Banestes Banco Estado Espirito (BSP:BEES3) Net Loan: R$17,470 Mil (As of Mar. 2026)

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BSP:BEES3 Banestes SA Banco Estado Espirito BSP:BEES3
61 GF Score
Price R$8.81
GF Value R$7.81
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Banestes Banco Estado Espirito Net Loan?

Banestes Banco Estado Espirito BSP:BEES3 +0.80% 61 Net Loan is R$17,470 Mil as of Mar. 2026. GuruFocus rates BSP:BEES3 with a GF Score™ of 61/100 and a GF Value™ of R$7.81 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Banestes Banco Estado Espirito's quarterly net loan declined from Sep. 2025 (R$25,257 Mil) to Dec. 2025 (R$17,977 Mil) and declined from Dec. 2025 (R$17,977 Mil) to Mar. 2026 (R$17,470 Mil).

Banestes Banco Estado Espirito's annual net loan increased from Dec. 2023 (R$11,638 Mil) to Dec. 2024 (R$17,977 Mil) and increased from Dec. 2024 (R$17,977 Mil) to Dec. 2025 (R$17,470 Mil).

Banestes Banco Estado Espirito Net Loan Historical Data

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The historical data trend for Banestes Banco Estado Espirito's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banestes Banco Estado Espirito Net Loan Chart

Banestes Banco Estado Espirito Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5,784.66 7,232.22 11,638.33 15,740.07 17,976.53

Banestes Banco Estado Espirito Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 19,382.24 20,043.74 25,256.64 17,976.53 17,469.53
BSP:BEES3
61GF Score
Banestes SA Banco Estado Espirito BSP:BEES3
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Banestes Banco Estado Espirito Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of R$17,470 Mil mean?
Banestes Banco Estado Espirito (BSP:BEES3) has a Net Loan of R$17,470 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Banestes Banco Estado Espirito and its competitors.
Is Banestes Banco Estado Espirito's Net Loan too high?
Banestes Banco Estado Espirito's current Net Loan is R$17,470 Mil. Overall, Banestes Banco Estado Espirito has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banestes Banco Estado Espirito's Net Loan compare to competitors?
Banestes Banco Estado Espirito's Net Loan of R$17,470 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Banestes Banco Estado Espirito and its competitors. Banestes Banco Estado Espirito's current Net Loan is R$17,470 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banestes Banco Estado Espirito stock overvalued right now?
Based on GuruFocus' analysis, Banestes Banco Estado Espirito (BSP:BEES3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$7.81, compared to a current price of R$8.81 — trading 12.8% above its estimated fair value. The current Net Loan is R$17,470 Mil. Banestes Banco Estado Espirito's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Banestes Banco Estado Espirito (BSP:BEES3), the current Net Loan is R$17,470 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banestes Banco Estado Espirito (BSP:BEES3) Overvalued in 2026?

Based on GuruFocus' analysis, Banestes Banco Estado Espirito stock appears to be overvalued. The current stock price of R$8.81 is trading 12.8% above its estimated GF Value™ of R$7.81. GuruFocus considers Banestes Banco Estado Espirito to be Modestly Overvalued.

Key valuation signals for BSP:BEES3:

  • Net Loan: R$17,470 Mil
  • GF Value™: R$7.81 vs. price of R$8.81 (12.8% above fair value)
  • GF Score™: 61/100 with 7 warning signs

No single metric tells the full story. See the BSP:BEES3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banestes Banco Estado Espirito Business Description

Other Exchanges BEES4:Brazil
Address Avenue Princesa Isabel, 574, Bloco B - 9th floor - Ed. Palas, Centro, Vitoria, ES, BRA, 29010-031
Banestes SA Banco Estado Espirito operates as a bank. Its activities are focused on the credit operations. It also operates in foreign exchange market, offering products geared mainly to finance imports and exports like letter of credit. The Bank offers credit, securities brokerage services, foreign exchange, and other financial services.
61GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$8.81
Price
R$7.81
GF Value