Société Tunisienne de Banque Société anonyme (BVMT:STB)

Total Valuation

BVMT:STB has a market cap or net worth of TND 518.13 million.

Market Cap	518.13M
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, September 10, 2025.

Earnings Date	Sep 10, 2025
Ex-Dividend Date	n/a

Share Statistics

BVMT:STB has 154.20 million shares outstanding. The number of shares has decreased by -0.20% in one year.

Current Share Class	154.20M
Shares Outstanding	154.20M
Shares Change (YoY)	-0.20%
Shares Change (QoQ)	-0.31%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 4.49 and the forward PE ratio is 9.88.

PE Ratio	4.49
Forward PE	9.88
PS Ratio	1.02
PB Ratio	0.40
P/TBV Ratio	0.40
P/FCF Ratio	0.26
P/OCF Ratio	0.26
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.72
Interest Coverage	n/a

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BVMT:STB has paid 30.49 million in taxes.

Income Tax	30.49M
Effective Tax Rate	17.93%

Stock Price Statistics

The stock price has increased by +10.20% in the last 52 weeks. The beta is -0.21, so BVMT:STB's price volatility has been lower than the market average.

Beta (5Y)	-0.21
52-Week Price Change	+10.20%
50-Day Moving Average	2.97
200-Day Moving Average	2.88
Relative Strength Index (RSI)	77.77
Average Volume (20 Days)	44,238

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, BVMT:STB had revenue of TND 506.63 million and earned 130.01 million in profits. Earnings per share was 0.84.

Revenue	506.63M
Gross Profit	499.22M
Operating Income	178.35M
Pretax Income	170.05M
Net Income	130.01M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.84

Balance Sheet

The company has 270.84 million in cash and 1.42 billion in debt, giving a net cash position of -1.15 billion or -7.45 per share.

Cash & Cash Equivalents	270.84M
Total Debt	1.42B
Net Cash	-1.15B
Net Cash Per Share	-7.45
Equity (Book Value)	1.30B
Book Value Per Share	8.45
Working Capital	-11.60B

Cash Flow

In the last 12 months, operating cash flow was 1.99 billion and capital expenditures -17.27 million, giving a free cash flow of 1.97 billion.

Operating Cash Flow	1.99B
Capital Expenditures	-17.27M
Free Cash Flow	1.97B
FCF Per Share	12.80

Margins

Gross Margin	n/a
Operating Margin	35.20%
Pretax Margin	33.56%
Profit Margin	25.66%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	389.74%

Dividends & Yields

BVMT:STB does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	7.72%
Buyback Yield	0.20%
Shareholder Yield	n/a
Earnings Yield	25.09%
FCF Yield	381.09%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on July 18, 1994. It was a forward split with a ratio of 1.04001.

Last Split Date	Jul 18, 1994
Split Type	Forward
Split Ratio	1.04001

Scores

Altman Z-Score	n/a
Piotroski F-Score	3