Bna.Tn
BNA.TN operates as a bank, providing financial services and generating revenue primarily through net interest income and fee-based services.
Business. BNA.TN operates as a bank, providing financial services and generating revenue primarily through net interest income and fee-based services.
Analyst recommendations
1 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
BNA.TN operates as a bank, providing financial services and generating revenue primarily through net interest income and fee-based services.
BNA.TN has a liquidity profile that is characterized by a debt-to-equity ratio of 0.28, indicating a relatively conservative capital structure. The company's free cash flow of 249.4 million TND suggests it has the capacity to fund operations and potentially return value to shareholders. However, the operating cash flow is negative at -380.3 million TND, which may signal short-term liquidity pressures.
Profitability metrics show that BNA.TN has a return on equity (ROE) of 11.99%, which is a strong indicator of efficient use of shareholders' equity. The return on assets (ROA) of 1.11% is a measure of how effectively the company uses its assets to generate earnings. These figures should be compared against the median ROE and ROA for the Banks industry to determine if BNA.TN is outperforming or underperforming its peers.
The company's revenue is concentrated in a single business segment, as no specific segments are disclosed. Geographically, the exposure is not detailed in the provided data, but the company's operations are likely centered in the region where it is headquartered. The lack of segment and geographic detail limits the ability to assess diversification risks.
Looking at the growth trajectory, the company's revenue for the latest period is 178.9 million TND. Without specific outlook data, it is difficult to determine the expected growth rate for the current and next fiscal years. However, the company's net income of 287.7 million TND indicates a profitable operation, which is a positive sign for future growth.
Risk factors for BNA.TN include a medium liquidity risk, as indicated by the risk assessment. The company has a low dilution risk, but the key flag of negative net cash after subtracting total debt suggests potential liquidity constraints. The dilution potential is low, and no adjustments have been applied to the valuation metrics, implying that the company's capital structure is stable.
Recent events, such as filings and transcripts, are not detailed in the provided data. Analysts have a mean recommendation of 2.00, which is a "Hold" rating, with one "Buy" recommendation and no "Strong Buy" or "Sell" recommendations. The last actual EPS was 4.53 TND, which is higher than the mean EPS estimate of 3.46 TND, suggesting that the company has outperformed expectations.
- BNA.TN has a strong ROE of 11.99%, indicating efficient use of shareholders' equity.
- The company's liquidity is characterized by a debt-to-equity ratio of 0.28, suggesting a conservative capital structure.
- BNA.TN's free cash flow of 249.4 million TND indicates the company's ability to fund operations and return value to shareholders.
- The company's operating cash flow is negative at -380.3 million TND, which may signal short-term liquidity pressures.
- Analysts have a mean recommendation of 2.00, which is a "Hold" rating, with one "Buy" recommendation and no "Strong Buy" or "Sell" recommendations.
Bull / Bear case
analysis pipelineIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 3,46 |
| Revenue | —no estimate | —no estimate | 1,2B TND |
| Operating income | —no estimate | —no estimate | 306,2M TND |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
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- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- BNA.TN Market data — financials · 2026-05-27
- Banque Nationale Agricole SA Market data — analyst estimates · 2026-05-27