BCO Nordeste do Brasil (BSP:BNBR3) PB Ratio: 0.63 (As of Jul. 21, 2026) — 20% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BSP:BNBR3 BCO Nordeste do Brasil SA BSP:BNBR3
59 GF Score
Price R$106.52
GF Value R$117.37
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is BCO Nordeste do Brasil PB Ratio?

BCO Nordeste do Brasil BSP:BNBR3 -4.89% 59 PB Ratio is 0.63 as of Jul. 21, 2026, which is 20% below its 10-year median of 0.79. GuruFocus rates BSP:BNBR3 with a GF Score™ of 59/100 and a GF Value™ of R$117.37 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,514 Banks companies, BCO Nordeste do Brasil ranks better than 82.1% on this metric.

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-21), BCO Nordeste do Brasil's share price is R$106.52. BCO Nordeste do Brasil's Book Value per Share for the quarter that ended in Mar. 2026 was R$168.19. Hence, BCO Nordeste do Brasil's PB Ratio of today is 0.63.

Good Sign:

BCO Nordeste do Brasil SA stock PB Ratio (=0.67) is close to 10-year low of 0.61.

The historical rank and industry rank for BCO Nordeste do Brasil's PB Ratio or its related term are showing as below:

BSP:BNBR3' s PB Ratio Range Over the Past 10 Years
Min: 0.61   Med: 0.79   Max: 1.79
Current: 0.64

During the past 13 years, BCO Nordeste do Brasil's highest PB Ratio was 1.79. The lowest was 0.61. And the median was 0.79.

BSP:BNBR3's PB Ratio is ranked better than
82.1% of 1514 companies
in the Banks industry
Industry Median: 1.11 vs BSP:BNBR3: 0.64

During the past 12 months, BCO Nordeste do Brasil's average Book Value Per Share Growth Rate was 17.60% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 16.00% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 17.90% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 17.90% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of BCO Nordeste do Brasil was 21.10% per year. The lowest was -89.10% per year. And the median was 9.00% per year.

Back to Basics: PB Ratio


BCO Nordeste do Brasil  (BSP:BNBR3) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


BCO Nordeste do Brasil PB Ratio Related Terms


BCO Nordeste do Brasil PB Ratio Historical Data

* Premium members only.

The historical data trend for BCO Nordeste do Brasil's PB Ratio 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.

BCO Nordeste do Brasil PB Ratio Chart

BCO Nordeste do Brasil Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.84 0.72 0.88 0.72 0.68

BCO Nordeste do Brasil Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PB Ratio 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 0.70 0.62 0.65 0.68 0.73

BCO Nordeste do Brasil PB Ratio Competitor Comparison

For the Banks - Regional subindustry, BCO Nordeste do Brasil's PB Ratio, along with its competitors' market caps and PB Ratio 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.


BCO Nordeste do Brasil PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, BCO Nordeste do Brasil's PB Ratio distribution charts can be found below:

* The bar in red indicates where BCO Nordeste do Brasil's PB Ratio falls into.


BSP:BNBR3
59GF Score
BCO Nordeste do Brasil SA BSP:BNBR3
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BCO Nordeste do Brasil PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

BCO Nordeste do Brasil's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2026)
=106.52/168.192
=0.63

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 0.63 mean?
BCO Nordeste do Brasil (BSP:BNBR3) has a PB Ratio of 0.63 as of Jul. 21, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on BCO Nordeste do Brasil and its competitors. This is 20% below median its historical median of 0.79. Over the past decade, BCO Nordeste do Brasil's PB Ratio has ranged from 0.61 to 1.79. According to the industry distribution chart, BCO Nordeste do Brasil ranks #271 out of 1514 companies in the Banks industry, placing it in the top 17.9%.
Is BCO Nordeste do Brasil's PB Ratio too high?
BCO Nordeste do Brasil's current PB Ratio of 0.63 is 20% below median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 1.79. The Banks industry median PB Ratio is 1.11. BCO Nordeste do Brasil's value of 0.63 is 43.2% below this industry median. Based on the distribution chart, BCO Nordeste do Brasil ranks #271 out of 1514 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BCO Nordeste do Brasil has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BCO Nordeste do Brasil's PB Ratio compare to competitors?
According to the Banks industry distribution chart, BCO Nordeste do Brasil ranks #271 out of 1514 companies for PB Ratio. This places BCO Nordeste do Brasil in the top 18% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.11. BCO Nordeste do Brasil's value of 0.63 is 43.2% below this benchmark. Historically, BCO Nordeste do Brasil's own PB Ratio has ranged from 0.61 to 1.79 over the past decade. While the company's 10-year median is 0.79 vs. the industry median of 1.11, BCO Nordeste do Brasil 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,514 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BCO Nordeste do Brasil's current PB Ratio of 0.63 is 43.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on BCO Nordeste do Brasil and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BCO Nordeste do Brasil's current PB Ratio is 0.63, which is 20% below median its own 10-year median of 0.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BCO Nordeste do Brasil stock overvalued right now?
Based on GuruFocus' analysis, BCO Nordeste do Brasil (BSP:BNBR3) is currently considered Fairly Valued. The stock's GF Value™ is R$117.37, compared to a current price of R$106.52 — trading 9.2% below its estimated fair value. The current PB Ratio is 0.63, which is 20% below median its 10-year median of 0.79 and 43.2% below the Banks industry median of 1.11. BCO Nordeste do Brasil's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For BCO Nordeste do Brasil (BSP:BNBR3), the current PB Ratio is 0.63 as of Jul. 21, 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 BCO Nordeste do Brasil (BSP:BNBR3) Overvalued in 2026?

Based on GuruFocus' analysis, BCO Nordeste do Brasil stock appears to be undervalued. The current stock price of R$106.52 is trading 9.2% below its estimated GF Value™ of R$117.37. GuruFocus considers BCO Nordeste do Brasil to be Fairly Valued.

Key valuation signals for BSP:BNBR3:

  • PB Ratio: 0.63 (20% below median its 10-year median of 0.79)
  • GF Value™: R$117.37 vs. price of R$106.52 (9.2% below fair value)
  • GF Score™: 59/100 with 3 warning signs
  • Industry Position: 43.2% below the Banks median (#271 of 1514)

No single metric tells the full story. See the BSP:BNBR3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


BCO Nordeste do Brasil Business Description

Address Av Paranjana 5700 - Bloco A1/terreo, Fortaleza, CE, BRA, 60740000
BCO Nordeste do Brasil SA provides various financial products and services to economic and institutional agents, and private individuals. It provides current and checking accounts; credit card, personal credit, and overdraft services; and investments products, as well as car, life, residential, and lender insurance services. The company also provides financing programs, collection, reinvestment, capital market, foreign exchange and trade, microfinance, credit programs for the public sector, transfers and covenants, and payroll services.
59GF Score

Get the complete analysis for BSP:BNBR3

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

R$106.52
Price
R$117.37
GF Value