Union Internationale de Banques Société anonyme (BVMT:UIB)

BVMT:UIB Statistics

Total Valuation

BVMT:UIB has a market cap or net worth of TND 1.07 billion.

Market Cap	1.07B
Enterprise Value	n/a

Important Dates

The last earnings date was Friday, April 10, 2026.

Earnings Date	Apr 10, 2026
Ex-Dividend Date	Jun 2, 2025

Share Statistics

BVMT:UIB has 34.56 million shares outstanding. The number of shares has decreased by -0.03% in one year.

Current Share Class	32.56M
Shares Outstanding	34.56M
Shares Change (YoY)	-0.03%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.05%
Float	32.56M

Valuation Ratios

The trailing PE ratio is 11.37 and the forward PE ratio is 11.52.

PE Ratio	11.37
Forward PE	11.52
PS Ratio	2.23
PB Ratio	0.97
P/TBV Ratio	0.98
P/FCF Ratio	243.82
P/OCF Ratio	43.39
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	25.82
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.85%.

Return on Equity (ROE)	8.85%
Return on Assets (ROA)	1.11%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.13%
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:UIB has paid 81.74 million in taxes.

Income Tax	81.74M
Effective Tax Rate	46.41%

Stock Price Statistics

The stock price has increased by +31.08% in the last 52 weeks. The beta is 0.06, so BVMT:UIB's price volatility has been lower than the market average.

Beta (5Y)	0.06
52-Week Price Change	+31.08%
50-Day Moving Average	27.97
200-Day Moving Average	25.09
Relative Strength Index (RSI)	67.57
Average Volume (20 Days)	2,701

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:UIB had revenue of TND 480.66 million and earned 94.20 million in profits. Earnings per share was 2.73.

Revenue	480.66M
Gross Profit	480.66M
Operating Income	190.95M
Pretax Income	176.13M
Net Income	94.20M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	2.73

Balance Sheet

The company has 531.87 million in cash and 113.47 million in debt, with a net cash position of 418.40 million or 12.11 per share.

Cash & Cash Equivalents	531.87M
Total Debt	113.47M
Net Cash	418.40M
Net Cash Per Share	12.11
Equity (Book Value)	1.10B
Book Value Per Share	31.70
Working Capital	768.42M

Cash Flow

In the last 12 months, operating cash flow was 24.69 million and capital expenditures -20.30 million, giving a free cash flow of 4.39 million.

Operating Cash Flow	24.69M
Capital Expenditures	-20.30M
Depreciation & Amortization	n/a
Net Borrowing	-30.79M
Free Cash Flow	4.39M
FCF Per Share	0.13

Margins

Gross Margin	n/a
Operating Margin	39.73%
Pretax Margin	36.64%
Profit Margin	19.60%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	0.91%

Dividends & Yields

This stock pays an annual dividend of 0.85, which amounts to a dividend yield of 2.74%.

Dividend Per Share	0.85
Dividend Yield	2.74%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	31.20%
Buyback Yield	0.03%
Shareholder Yield	2.77%
Earnings Yield	8.79%
FCF Yield	0.41%

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

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

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