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BCO Estado de Sergipe - BaneseBSP:BGIP4 -1.45%45 Return-on-Tangible-Equity is 14.01% as of Mar. 2026, which is 17% below its 10-year median of 16.89. GuruFocus rates BSP:BGIP4 with a GF Score™ of 45/100 and a GF Value™ of R$15.15 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,523 Banks companies, BCO Estado de Sergipe - Banese ranks worse than 95.47% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. BCO Estado de Sergipe - Banese's annualized net income for the quarter that ended in Mar. 2026 was R$122 Mil. BCO Estado de Sergipe - Banese's average shareholder tangible equity for the quarter that ended in Mar. 2026 was R$873 Mil. Therefore, BCO Estado de Sergipe - Banese's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 14.01%.
The historical rank and industry rank for BCO Estado de Sergipe - Banese's Return-on-Tangible-Equity or its related term are showing as below:
BSP:BGIP4'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -0.91 Med: 16.89 Max: 29.3
Current: 0.2
During the past 13 years, BCO Estado de Sergipe - Banese's highest Return-on-Tangible-Equity was 29.30%. The lowest was -0.91%. And the median was 16.89%.
BSP:BGIP4's Return-on-Tangible-Equity is ranked worse than 95.47% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs BSP:BGIP4: 0.20
BCO Estado de Sergipe - Banese (BSP:BGIP4) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
BCO Estado de Sergipe - Banese Return-on-Tangible-Equity Related Terms
BCO Estado de Sergipe - Banese Return-on-Tangible-Equity 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.
BCO Estado de Sergipe - Banese Return-on-Tangible-Equity Chart
BSP:BGIP4 vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, BCO Estado de Sergipe - Banese's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Estado de Sergipe - Banese Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BCO Estado de Sergipe - Banese's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where BCO Estado de Sergipe - Banese's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.01% mean?
BCO Estado de Sergipe - Banese (BSP:BGIP4) has a Return-on-Tangible-Equity of 14.01% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on BCO Estado de Sergipe - Banese and its competitors. This is 17% below median its historical median of 16.89. According to the industry distribution chart, BCO Estado de Sergipe - Banese ranks #1454 out of 1523 companies in the Banks industry, placing it in the top 95.5%.
Is BCO Estado de Sergipe - Banese's Return-on-Tangible-Equity too high?
BCO Estado de Sergipe - Banese's current Return-on-Tangible-Equity of 14.01% is 17% below median its 10-year median of 16.89. The Banks industry median Return-on-Tangible-Equity is 11.20. BCO Estado de Sergipe - Banese's value of 14.01% is 25.1% above this industry median. Based on the distribution chart, BCO Estado de Sergipe - Banese ranks #1454 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, BCO Estado de Sergipe - Banese has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BCO Estado de Sergipe - Banese's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, BCO Estado de Sergipe - Banese ranks #1454 out of 1523 companies for Return-on-Tangible-Equity. This places BCO Estado de Sergipe - Banese in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. BCO Estado de Sergipe - Banese's value of 14.01% is 25.1% above this benchmark. While the company's 10-year median is 16.89 vs. the industry median of 11.20, BCO Estado de Sergipe - Banese 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BCO Estado de Sergipe - Banese's current Return-on-Tangible-Equity of 14.01% is 25.1% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on BCO Estado de Sergipe - Banese and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BCO Estado de Sergipe - Banese's current Return-on-Tangible-Equity is 14.01%, which is 17% below median its own 10-year median of 16.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BCO Estado de Sergipe - Banese stock overvalued right now?
Based on GuruFocus' analysis, BCO Estado de Sergipe - Banese (BSP:BGIP4) is currently considered Significantly Overvalued. The stock's GF Value™ is R$15.15, compared to a current price of R$33.26 — trading 119.5% above its estimated fair value. The current Return-on-Tangible-Equity is 14.01%, which is 17% below median its 10-year median of 16.89 and 25.1% above the Banks industry median of 11.20. BCO Estado de Sergipe - Banese's overall GF Score™ is 45/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For BCO Estado de Sergipe - Banese (BSP:BGIP4), the current Return-on-Tangible-Equity is 14.01% 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 BCO Estado de Sergipe - Banese (BSP:BGIP4) Overvalued in 2026?
Based on GuruFocus' analysis, BCO Estado de Sergipe - Banese stock appears to be overvalued.
The current stock price of R$33.26 is trading 119.5% above its estimated GF Value™ of R$15.15.
GuruFocus considers BCO Estado de Sergipe - Banese to be Significantly Overvalued.
Key valuation signals for BSP:BGIP4:
Return-on-Tangible-Equity: 14.01% (17% below median its 10-year median of 16.89)
GF Value™: R$15.15 vs. price of R$33.26 (119.5% above fair value)
Industry Position: 25.1% above the Banks median (#1454 of 1523)
No single metric tells the full story. See the BSP:BGIP4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BCO Estado de Sergipe - Banese Business Description
BCO Estado de Sergipe SA - Banese offers a range of banking products and services to individuals and corporates in the areas of loans and deposits, investment banking, portfolio management, leasing, pension, as well as life and property insurance and Internet banking services.
45GF Score
Get the complete analysis for BSP:BGIP4
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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