Banco Pine (BSP:PINE3) OCF Yield %: 72.18 (As of Jul. 14, 2026)

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BSP:PINE3 Banco Pine SA BSP:PINE3
70 GF Score
Price R$11.99
GF Value R$12.69
Valuation Fairly Valued
! 2 Warning Signs
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What is Banco Pine OCF Yield %?

Banco Pine BSP:PINE3 -0.08% 70 OCF Yield % is 72.18 as of Jul. 14, 2026. 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 91.02% on this metric.

OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.

As of today, Banco Pine's Trailing 12-Month Cash Flow from Operations is R$2,254 Mil, and Market Cap is R$3,084 Mil. Therefore, Banco Pine's OCF Yield % for today is 72.18%.

The historical rank and industry rank for Banco Pine's OCF Yield % or its related term are showing as below:

BSP:PINE3' s OCF Yield % Range Over the Past 10 Years
Min: -323.52   Med: -2.86   Max: 152.04
Current: 72.18


During the past 13 years, the highest OCF Yield % of Banco Pine was 152.04%. The lowest was -323.52%. And the median was -2.86%.

BSP:PINE3's OCF Yield % is ranked better than
91.02% of 1503 companies
in the Banks industry
Industry Median: 9.21 vs BSP:PINE3: 72.18

Banco Pine's OCF Margin % for the quarter that ended in Mar. 2026 was %.


Banco Pine OCF Yield % Explanation

Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Banco Pine OCF Yield % Related Terms


Banco Pine OCF Yield % Historical Data

* Premium members only.

The historical data trend for Banco Pine's OCF Yield % 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.

Banco Pine OCF Yield % Chart

Banco Pine Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.63 -7.17 -23.17 -138.28 -2.59

Banco Pine Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Yield % 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 -768.73 179.99 -123.22 260.18 42.59

BSP:PINE3 vs PNC, USB: OCF Yield % Comparison

For the Banks - Regional subindustry, Banco Pine's OCF Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Banco Pine's OCF Yield % distribution charts can be found below:

* The bar in red indicates where Banco Pine's OCF Yield % falls into.


BSP:PINE3
70GF Score
Banco Pine SA BSP:PINE3
OCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Pine OCF Yield % Calculation

OCF Yield % is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.

Banco Pine's OCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

OCF Yield %=Cash Flow from Operations / Market Cap
=-74.627 / 2884.798
=-2.59%

Banco Pine's annualized OCF Yield % for the quarter that ended in Mar. 2026 is calculated as

OCF Yield %=Cash Flow from Operations * Annualized Factor / Market Cap
=345.649 * 4 / 3246.0784
=42.59%

* 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.

Frequently Asked Questions Learn more about OCF Yield % →
What does a OCF Yield % of 72.18 mean?
Banco Pine (BSP:PINE3) has a OCF Yield % of 72.18 as of Jul. 14, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Banco Pine and its competitors. According to the industry distribution chart, Banco Pine ranks #135 out of 1503 companies in the Banks industry, placing it in the top 9%.
Is Banco Pine's OCF Yield % too high?
Banco Pine's current OCF Yield % is 72.18. The Banks industry median OCF Yield % is 9.21. Banco Pine's value of 72.18 is 683.7% above this industry median. Based on the distribution chart, Banco Pine ranks #135 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 Yield % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pine ranks #135 out of 1503 companies for OCF Yield %. This places Banco Pine in the top 9% of its industry — outperforming the majority of peers. The industry median OCF Yield % is 9.21. Banco Pine's value of 72.18 is 683.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.21, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Pine's current OCF Yield % of 72.18 is 683.7% 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Banco Pine and its competitors. For the Banks industry, the median OCF Yield % is 9.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current OCF Yield % is 72.18. 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 Yield % is 72.18 and 683.7% above the Banks industry median of 9.21. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Banco Pine (BSP:PINE3), the current OCF Yield % is 72.18 as of Jul. 14, 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 Yield %: 72.18
  • GF Value™: R$12.69 vs. price of R$11.99 (5.5% below fair value)
  • GF Score™: 70/100 with 2 warning signs
  • Industry Position: 683.7% above the Banks median (#135 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 Business Description

Other Exchanges PINE4:Brazil
Address Avenida Presidente Juscelino Kubitschek, n° 1.830 - 4th Floor, Itaim Bibi, Pinheiros, SP, BRA, 4543900
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

Get the complete analysis for BSP:PINE3

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

R$11.99
Price
R$12.69
GF Value