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Banco PineBSP:PINE3 -0.08%70 OCF Margin % is 50.09% as of Mar. 2026, which is 355% above its 10-year median of 11.02. GuruFocus rates BSP:PINE3 with a GF Score™ of 70/100 and a GF Value™ of R$12.69 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,503 Banks companies, Banco Pine ranks better than 85.1% on this metric.
The historical rank and industry rank for Banco Pine's OCF Margin % or its related term are showing as below:
BSP:PINE3'
s OCF Margin % Range Over the Past 10 Years
Min: -1185.58 Med: 11.02 Max: 307.21
Current: 104.4
During the past 13 years, the highest OCF Margin % of Banco Pine was 307.21%. The lowest was -1185.58%. And the median was 11.02%.
BSP:PINE3's OCF Margin % is ranked better than 85.1% of 1503
companies
in the Banks industry
Industry Median: 29.46
vs BSP:PINE3: 104.40
Banco Pine OCF Margin % Related Terms
Banco Pine OCF Margin % Historical Data
* Premium members only.
The historical data trend for Banco Pine's OCF Margin % 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, Banco Pine's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 Pine OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pine's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Banco Pine's OCF Margin % 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.
Banco Pine (BSP:PINE3) has a OCF Margin % of 50.09% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Banco Pine and its competitors. This is 355% above median its historical median of 11.02. According to the industry distribution chart, Banco Pine ranks #224 out of 1503 companies in the Banks industry, placing it in the top 14.9%.
Is Banco Pine's OCF Margin % too high?
Banco Pine's current OCF Margin % of 50.09% is 355% above median its 10-year median of 11.02. The Banks industry median OCF Margin % is 29.46. Banco Pine's value of 50.09% is 70% above this industry median. Based on the distribution chart, Banco Pine ranks #224 out of 1503 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Pine has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pine ranks #224 out of 1503 companies for OCF Margin %. This places Banco Pine in the top 15% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.46. Banco Pine's value of 50.09% is 70% above this benchmark. While the company's 10-year median is 11.02 vs. the industry median of 29.46, Banco Pine 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.46, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Pine's current OCF Margin % of 50.09% is 70% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Banco Pine and its competitors. For the Banks industry, the median OCF Margin % is 29.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current OCF Margin % is 50.09%, which is 355% above median its own 10-year median of 11.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pine stock overvalued right now?
Based on GuruFocus' analysis, Banco Pine (BSP:PINE3) is currently considered Fairly Valued. The stock's GF Value™ is R$12.69, compared to a current price of R$11.99 — trading 5.5% below its estimated fair value. The current OCF Margin % is 50.09%, which is 355% above median its 10-year median of 11.02 and 70% above the Banks industry median of 29.46. Banco Pine's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Banco Pine (BSP:PINE3), the current OCF Margin % is 50.09% 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 Banco Pine (BSP:PINE3) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pine stock appears to be undervalued.
The current stock price of R$11.99 is trading 5.5% below its estimated GF Value™ of R$12.69.
GuruFocus considers Banco Pine to be Fairly Valued.
Key valuation signals for BSP:PINE3:
OCF Margin %: 50.09% (355% above median its 10-year median of 11.02)
GF Value™: R$12.69 vs. price of R$11.99 (5.5% below fair value)
Industry Position: 70% above the Banks median (#224 of 1503)
No single metric tells the full story. See the BSP:PINE3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pine SA is a banking company. It operates commercial, credit and financing and foreign exchange portfolios. The company's operations are conducted in the context of a group of institutions which act jointly, and certain transactions involve the co-participation or intermediation of member companies of the Pine financial conglomerate. The benefits from the intercompany services and the costs for the operating and administrative structures are absorbed, either jointly or individually, by these companies as is practicable and reasonable in the circumstances.
70GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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