Banco Internacional del Peru - Interbank (LIM:INTERBC1) 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 Internacional del Peru - Interbank Piotroski F-Score Related Terms
Banco Internacional del Peru - Interbank Piotroski F-Score Historical Data
* 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.
Banco Internacional del Peru - Interbank Piotroski F-Score Chart
Banco Internacional del Peru - Interbank Annual Data
LIM:INTERBC1 vs PNC, USB: Piotroski F-Score Comparison
For the Banks - Regional subindustry, Banco Internacional del Peru - Interbank'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 Internacional del Peru - Interbank Piotroski F-Score vs Banks Industry
* 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.
Banco Internacional del Peru - Interbank's current Net Income (TTM) was 1,459.
==> 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.
Banco Internacional del Peru - Interbank's current Cash Flow from Operations (TTM) was 1,953.
==> 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.
Banco Internacional del Peru - Interbank's return on assets of this year was 0.01999247. Banco Internacional del Peru - Interbank's return on assets of last year was 0.01373243.
==> 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 Internacional del Peru - Interbank's gearing of this year was 0.10444516. Banco Internacional del Peru - Interbank's gearing of last year was 0.11925083.
==> 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.
Banco Internacional del Peru - Interbank's current ratio of this year was 1.1482191. Banco Internacional del Peru - Interbank's current ratio of last year was 1.1310869.
==> This year's current ratio is higher. ==> Score 1.
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 Internacional del Peru - Interbank's number of shares in issue this year was 6715.848. Banco Internacional del Peru - Interbank's number of shares in issue last year was 6715.848.
==> 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.
Banco Internacional del Peru - Interbank's net margin of this year was 0.27942143. Banco Internacional del Peru - Interbank's net margin of last year was 0.191857.
==> This year's net 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 Internacional del Peru - Interbank's asset turnover of this year was 0.07154953. Banco Internacional del Peru - Interbank's asset turnover of last year was 0.07157639.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Banco Internacional del Peru - Interbank has an F-score of 8. It is a good or high score, which usually indicates a very healthy situation.
Banco Internacional del Peru - Interbank (LIM:INTERBC1) has a Piotroski F-Score of 8 as of Jun. 25, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Banco Internacional del Peru - Interbank and its competitors. This is 33% above median its historical median of 6.00. Over the past decade, Banco Internacional del Peru - Interbank's Piotroski F-Score has ranged from 4.00 to 9.00. According to the industry distribution chart, Banco Internacional del Peru - Interbank ranks #109 out of 1498 companies in the Banks industry, placing it in the top 7.3%.
Is Banco Internacional del Peru - Interbank's Piotroski F-Score too high?
Banco Internacional del Peru - Interbank's current Piotroski F-Score of 8 is 33% above 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 9.00. The Banks industry median Piotroski F-Score is 6.00. Banco Internacional del Peru - Interbank's value of 8 is 33.3% above this industry median. Based on the distribution chart, Banco Internacional del Peru - Interbank ranks #109 out of 1498 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Internacional del Peru - Interbank has a GF Score™ of 39/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Internacional del Peru - Interbank's Piotroski F-Score compare to PNC and USB?
According to the Banks industry distribution chart, Banco Internacional del Peru - Interbank ranks #109 out of 1498 companies for Piotroski F-Score. This places Banco Internacional del Peru - Interbank in the top 7% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 6.00. Banco Internacional del Peru - Interbank's value of 8 is 33.3% above this benchmark. Historically, Banco Internacional del Peru - Interbank's own Piotroski F-Score has ranged from 4.00 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 Internacional del Peru - Interbank has consistently been above 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. Banco Internacional del Peru - Interbank's current Piotroski F-Score of 8 is 33.3% above 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 Internacional del Peru - Interbank 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 Internacional del Peru - Interbank's current Piotroski F-Score is 8, which is 33% above 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 Internacional del Peru - Interbank stock overvalued right now?
Based on GuruFocus' analysis, Banco Internacional del Peru - Interbank (LIM:INTERBC1) is currently considered Modestly Overvalued. The stock's GF Value™ is S/.1.71, compared to a current price of S/.1.90 — trading 11.1% above its estimated fair value. The current Piotroski F-Score is 8, which is 33% above median its 10-year median of 6.00 and 33.3% above the Banks industry median of 6.00. Banco Internacional del Peru - Interbank's overall GF Score™ is 39/100 with 4 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 Internacional del Peru - Interbank (LIM:INTERBC1), the current Piotroski F-Score is 8 as of Jun. 25, 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 Internacional del Peru - Interbank (LIM:INTERBC1) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Internacional del Peru - Interbank stock appears to be overvalued.
The current stock price of S/.1.90 is trading 11.1% above its estimated GF Value™ of S/.1.71.
GuruFocus considers Banco Internacional del Peru - Interbank to be Modestly Overvalued.
Key valuation signals for LIM:INTERBC1:
Piotroski F-Score: 8 (33% above median its 10-year median of 6.00)
GF Value™: S/.1.71 vs. price of S/.1.90 (11.1% above fair value)
Industry Position: 33.3% above the Banks median (#109 of 1498)
No single metric tells the full story. See the LIM:INTERBC1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Internacional del Peru - Interbank Business Description
Banco Internacional del Peru - Interbank provides banking and related financial services. The company performs all banking functions with its main business being attracting money and lending to companies and individuals. Its products inlcude credits cars, debit cards, savings accounts, salary account, personal loan, vehicle credit, mortgages, investment funds and deposit, interbank insurance, sending and receiving money, pay bills and currency exchange.
39GF Score
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Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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