Bank of Ireland GroupBKRIY -0.55%71 Piotroski F-Score is 5 as of Jun. 26, 2026, which is 17% below its 10-year median of 6.00. GuruFocus rates BKRIY with a GF Score™ of 71/100 and a GF Value™ of $12.69 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,498 Banks companies, Bank of Ireland Group ranks worse than 57.34% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Bank of Ireland Group has an F-score of 6 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Bank of Ireland Group's Piotroski F-Score or its related term are showing as below:
BKRIY'
s Piotroski F-Score Range Over the Past 10 Years
Min: 4 Med: 6 Max: 7
Current: 5
During the past 13 years, the highest Piotroski F-Score of Bank of Ireland Group was 7. The lowest was 4. And the median was 6.
Bank of Ireland Group (OTCPK:BKRIY) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Bank of Ireland Group Piotroski F-Score Related Terms
Bank of Ireland Group Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Bank of Ireland Group's Piotroski F-Score 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.
For the Banks - Regional subindustry, Bank of Ireland Group's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of Ireland Group Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Ireland Group's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Bank of Ireland Group's Piotroski F-Score falls into.
* 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Bank of Ireland Group's current Net Income (TTM) was 1,406.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Bank of Ireland Group's current Cash Flow from Operations (TTM) was 4,676.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Bank of Ireland Group's return on assets of this year was 0.00829994. Bank of Ireland Group's return on assets of last year was 0.00944126.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Bank of Ireland Group's gearing of this year was 0.06795503. Bank of Ireland Group's gearing of last year was 0.07698779.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Bank of Ireland Group's current ratio of this year was 1.08506772. Bank of Ireland Group's current ratio of last year was 1.08742372.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Bank of Ireland Group's number of shares in issue this year was 971. Bank of Ireland Group's number of shares in issue last year was 1024.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Bank of Ireland Group's net margin of this year was 0.28500235. Bank of Ireland Group's net margin of last year was 0.34311962.
==> Last year's net margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Bank of Ireland Group's asset turnover of this year was 0.02912236. Bank of Ireland Group's asset turnover of last year was 0.02751595.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
=
Que. 1
+
Que. 2
+
Que. 3
+
Que. 4
+
Que. 5
+
Que. 6
+
Que. 7
+
Que. 8
+
Que. 9
=
1
+
1
+
0
+
1
+
1
+
0
+
1
+
0
+
1
=
6
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Bank of Ireland Group has an F-score of 6 indicating the company's financial situation is typical for a stable company.
Bank of Ireland Group (BKRIY) has a Piotroski F-Score of 5 as of Jun. 26, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Bank of Ireland Group and its competitors. This is 17% below median its historical median of 6.00. Over the past decade, Bank of Ireland Group's Piotroski F-Score has ranged from 4.00 to 7.00. According to the industry distribution chart, Bank of Ireland Group ranks #859 out of 1498 companies in the Banks industry, placing it in the top 57.3%.
Is Bank of Ireland Group's Piotroski F-Score too high?
Bank of Ireland Group's current Piotroski F-Score of 5 is 17% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 7.00. The Banks industry median Piotroski F-Score is 6.00. Bank of Ireland Group's value of 5 is 16.7% below this industry median. Based on the distribution chart, Bank of Ireland Group ranks #859 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, Bank of Ireland Group has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Ireland Group's Piotroski F-Score compare to PNC and USB?
According to the Banks industry distribution chart, Bank of Ireland Group ranks #859 out of 1498 companies for Piotroski F-Score. This places Bank of Ireland Group in the lower half of its industry. The industry median Piotroski F-Score is 6.00. Bank of Ireland Group's value of 5 is 16.7% below this benchmark. Historically, Bank of Ireland Group's own Piotroski F-Score has ranged from 4.00 to 7.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 6.00, Bank of Ireland Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Ireland Group's current Piotroski F-Score of 5 is 16.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Bank of Ireland Group and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Ireland Group's current Piotroski F-Score is 5, which is 17% below median its own 10-year median of 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Ireland Group stock overvalued right now?
Based on GuruFocus' analysis, Bank of Ireland Group (BKRIY) is currently considered Significantly Overvalued. The stock's GF Value™ is $12.69, compared to a current price of $20.03 — trading 57.8% above its estimated fair value. The current Piotroski F-Score is 5, which is 17% below median its 10-year median of 6.00 and 16.7% below the Banks industry median of 6.00. Bank of Ireland Group's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Bank of Ireland Group (BKRIY), the current Piotroski F-Score is 5 as of Jun. 26, 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 Bank of Ireland Group (BKRIY) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Ireland Group stock appears to be overvalued.
The current stock price of $20.03 is trading 57.8% above its estimated GF Value™ of $12.69.
GuruFocus considers Bank of Ireland Group to be Significantly Overvalued.
Key valuation signals for BKRIY:
Piotroski F-Score: 5 (17% below median its 10-year median of 6.00)
GF Value™: $12.69 vs. price of $20.03 (57.8% above fair value)
Industry Position: 16.7% below the Banks median (#859 of 1498)
No single metric tells the full story. See the BKRIY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Ireland Group PLC is an Irish financial services group operating mostly in Ireland and the United Kingdom. Services include mortgages, business, and corporate lending, term loans, leasing, foreign exchange, life assurance, and pension products, among others. The bank's trading divisions include Retail Ireland, Wealth and Insurance, Retail UK, Corporate and Commercial , and Group Centre. The bank generates the majority of its revenue from Retail Ireland and serves consumer and business customers across a broad range of segments and sectors. Revenue is also derived from fees for a range of banking and transaction services. The bank has access to distribution in the United Kingdom via its relationship as a financial services partner with the nation's post office.
71GF Score
Get the complete analysis for BKRIY
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BKRIY has been successfully added to your 
