Banco Pine (BSP:PINE3) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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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:PINE3 Banco Pine SA BSP:PINE3
71 GF Score
Price R$11.22
GF Value R$12.73
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Banco Pine ROC (Joel Greenblatt) %?

Banco Pine BSP:PINE3 -0.53% 71 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates BSP:PINE3 with a GF Score™ of 71/100 and a GF Value™ of R$12.73 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 46 Banks companies, Banco Pine ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

BSP:PINE3
71GF Score
Banco Pine SA BSP:PINE3
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Banco Pine (BSP:PINE3) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Banco Pine and its competitors. According to the industry distribution chart, Banco Pine ranks #999999 out of 46 companies in the Banks industry.
Is Banco Pine's ROC (Joel Greenblatt) % too high?
Banco Pine's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Banco Pine ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banco Pine has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's ROC (Joel Greenblatt) % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pine ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Banco Pine in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Banco Pine and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current ROC (Joel Greenblatt) % is %. 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 Modestly Undervalued. The stock's GF Value™ is R$12.73, compared to a current price of R$11.22 — trading 11.9% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. Banco Pine's overall GF Score™ is 71/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Banco Pine (BSP:PINE3), the current ROC (Joel Greenblatt) % is % 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$11.22 is trading 11.9% below its estimated GF Value™ of R$12.73. GuruFocus considers Banco Pine to be Modestly Undervalued.

Key valuation signals for BSP:PINE3:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: R$12.73 vs. price of R$11.22 (11.9% below fair value)
  • GF Score™: 71/100 with 2 warning signs

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.
71GF Score

Get the complete analysis for BSP:PINE3

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$11.22
Price
R$12.73
GF Value