Financials Société Tunisienne de Banque Société anonyme

Equities

STB

TN0002600955

Banks

End-of-day quote Tunis 06:00:00 2024-04-25 pm EDT 5-day change 1st Jan Change
3.3 TND +0.30% Intraday chart for Société Tunisienne de Banque Société anonyme -1.79% -11.76%

Valuation

Fiscal Period: December 2018 2020 2021 2022 2023 2024 2025
Capitalization 1 91.48 517.2 460.1 586.7 509.5 509.5 -
Enterprise Value (EV) 1 91.48 517.2 460.1 586.7 509.5 509.5 509.5
P/E ratio 7.74 x - 3.99 x 5.9 x 6.47 x 7.86 x -
Yield - - - - - - -
Capitalization / Revenue 0.2 x 0.83 x 0.7 x 0.8 x 0.7 x 0.68 x 0.66 x
EV / Revenue 0.2 x 0.83 x 0.7 x 0.8 x 0.7 x 0.68 x 0.66 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - - - - - - -
Nbr of stocks (in thousands) 24,860 154,389 154,383 154,383 154,383 154,383 -
Reference price 2 3.680 3.350 2.980 3.800 3.300 3.300 3.300
Announcement Date 4/22/19 4/21/21 4/15/22 4/13/23 - - -
1TND in Million2TND
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2020 2021 2022 2023 2024 2025
Net sales 1 466.2 625.7 660.6 732.8 724 747 775
EBITDA - - - - - - -
EBIT 1 82.68 - - 410.2 371 368 -
Operating Margin 17.74% - - 55.98% 51.24% 49.26% -
Earnings before Tax (EBT) - - - - - - -
Net income 1 73.91 - 115.5 100.4 78.9 64.6 57
Net margin 15.86% - 17.48% 13.7% 10.9% 8.65% 7.35%
EPS 2 0.4757 - 0.7460 0.6440 0.5100 0.4200 -
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share - - - - - - -
Announcement Date 4/22/19 4/21/21 4/15/22 4/13/23 - - -
1TND in Million2TND
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 10.2% 6.49% 9.97% 8.43% 6.17% 4.78% 4.04%
ROA (Net income/ Total Assets) - - - - - - -
Assets 1 - - - - - - -
Book Value Per Share - - - - - - -
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 4/22/19 4/21/21 4/15/22 4/13/23 - - -
1TND in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
SELL
Number of Analysts
1
Last Close Price
3.3 TND
Average target price
2.87 TND
Spread / Average Target
-13.03%
Consensus

Annual profits - Rate of surprise

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