Banco De ValoresBUE:VALO -1.22%76 Piotroski F-Score is 6 as of Jul. 02, 2026, which is at its 10-year median of 6.00. GuruFocus rates BUE:VALO with a GF Score™ of 76/100 and a GF Value™ of ARS139.40 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,500 Banks companies, Banco De Valores ranks better than 60.4% 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
Banco De Valores 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 Banco De Valores's Piotroski F-Score or its related term are showing as below:
BUE:VALO'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 6 Max: 9
Current: 6
During the past 13 years, the highest Piotroski F-Score of Banco De Valores was 9. The lowest was 2. And the median was 6.
Banco De Valores (BUE:VALO) 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.
Banco De Valores Piotroski F-Score Related Terms
Banco De Valores Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Banco De Valores'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.
BUE:VALO vs JPM, BAC, WFC: Piotroski F-Score Comparison
For the Banks - Diversified subindustry, Banco De Valores'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.
Banco De Valores Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Banco De Valores's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Banco De Valores'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.
This Year (Mar26) TTM:
Last Year (Mar25) TTM:
Net Income was 13623.155 + 7119.001 + 19298.862 + 14801.609 = ARS54,843 Mil. Cash Flow from Operations was -100.199 + 478517.061 + -411735.875 + 248790.104 = ARS315,471 Mil. Revenue was 115209.919 + 69151.192 + 99632.178 + 118058.127 = ARS402,051 Mil. Gross Profit was 67980.822 + -1741.502 + 37921.805 + 57698.13 = ARS161,859 Mil.
Average Total Assets from the begining of this year (Mar25)
to the end of this year (Mar26) was
(1640189.886 + 1720802.332 + 2395930.38 + 2062948.984 + 2865979.144) / 5 = ARS2137170.1452 Mil. Total Assets at the begining of this year (Mar25) was ARS1,640,190 Mil. Long-Term Debt & Capital Lease Obligation was ARS0 Mil. Total Current Assets was ARS772,547 Mil. Total Current Liabilities was ARS2,446,516 Mil.
Net Income was 5262.526 + 5568.065 + 10649.903 + 17902.654 = ARS39,383 Mil.
Revenue was 126719.717 + 96696.363 + 124449.797 + 109290.194 = ARS457,156 Mil. Gross Profit was 44945.463 + 35531.346 + 46396.106 + 54887.559 = ARS181,760 Mil.
Average Total Assets from the begining of last year (Mar24)
to the end of last year (Mar25) was
(1392965.169 + 1242219.575 + 1406721.821 + 1830795.783 + 1640189.886) / 5 = ARS1502578.4468 Mil. Total Assets at the begining of last year (Mar24) was ARS1,392,965 Mil. Long-Term Debt & Capital Lease Obligation was ARS2,216 Mil. Total Current Assets was ARS530,374 Mil. Total Current Liabilities was ARS1,292,123 Mil.
*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.
Banco De Valores's current Net Income (TTM) was 54,843.
==> 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.
Banco De Valores's return on assets of this year was 0.03343675. Banco De Valores's return on assets of last year was 0.02827289.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Banco De Valores's gearing of this year was 0. Banco De Valores's gearing of last year was 0.00147496.
==> 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
Banco De Valores's current ratio of this year was 0.3157745. Banco De Valores's current ratio of last year was 0.41046693.
==> 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.
Banco De Valores's number of shares in issue this year was 1149.735. Banco De Valores's number of shares in issue last year was 996.987.
==> There is larger number of shares in issue this year. ==> Score 0.
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.
Banco De Valores's gross margin of this year was 0.40258347. Banco De Valores's gross margin of last year was 0.39758954.
==> This year's gross margin is higher. ==> Score 1.
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
Banco De Valores's asset turnover of this year was 0.24512492. Banco De Valores's asset turnover of last year was 0.32818916.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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6
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Banco De Valores has an F-score of 6 indicating the company's financial situation is typical for a stable company.
Banco De Valores (BUE:VALO) has a Piotroski F-Score of 6 as of Jul. 02, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Banco De Valores and its competitors. This is near median its historical median of 6.00. Over the past decade, Banco De Valores' Piotroski F-Score has ranged from 2.00 to 9.00. According to the industry distribution chart, Banco De Valores ranks #594 out of 1500 companies in the Banks industry, placing it in the top 39.6%.
Is Banco De Valores' Piotroski F-Score too high?
Banco De Valores' current Piotroski F-Score of 6 is near median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 9.00. The Banks industry median Piotroski F-Score is 6.00. Banco De Valores' value of 6 is 0% at this industry median. Based on the distribution chart, Banco De Valores ranks #594 out of 1500 companies in the Banks industry, which is above the industry midpoint. Overall, Banco De Valores has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco De Valores' Piotroski F-Score compare to JPM and BAC?
According to the Banks industry distribution chart, Banco De Valores ranks #594 out of 1500 companies for Piotroski F-Score. This puts Banco De Valores in the upper half of its industry. The industry median Piotroski F-Score is 6.00. Banco De Valores' value of 6 is 0% at this benchmark. Historically, Banco De Valores' own Piotroski F-Score has ranged from 2.00 to 9.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 6.00, Banco De Valores has consistently been at 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 1,500 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. Banco De Valores's current Piotroski F-Score of 6 is 0% at 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 Banco De Valores 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. Banco De Valores's current Piotroski F-Score is 6, which is near 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 Banco De Valores stock overvalued right now?
Based on GuruFocus' analysis, Banco De Valores (BUE:VALO) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS139.40, compared to a current price of ARS647.00 — trading 364.1% above its estimated fair value. The current Piotroski F-Score is 6, which is near median its 10-year median of 6.00 and 0% at the Banks industry median of 6.00. Banco De Valores' overall GF Score™ is 76/100 with 3 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 Banco De Valores (BUE:VALO), the current Piotroski F-Score is 6 as of Jul. 02, 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 Banco De Valores (BUE:VALO) Overvalued in 2026?
Based on GuruFocus' analysis, Banco De Valores stock appears to be overvalued.
The current stock price of ARS647.00 is trading 364.1% above its estimated GF Value™ of ARS139.40.
GuruFocus considers Banco De Valores to be Significantly Overvalued.
Key valuation signals for BUE:VALO:
Piotroski F-Score: 6 (near median its 10-year median of 6.00)
GF Value™: ARS139.40 vs. price of ARS647.00 (364.1% above fair value)
Industry Position: 0% at the Banks median (#594 of 1500)
No single metric tells the full story. See the BUE:VALO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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