Banco Pine (BSP:PINE4) ROC %: % (As of Mar. 2026)

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:PINE4 Banco Pine SA BSP:PINE4
74 GF Score
Price R$12.17
GF Value R$13.33
Valuation Fairly Valued
! 2 Warning Signs
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What is Banco Pine ROC %?

Banco Pine BSP:PINE4 -2.41% 74 ROC % is % as of Mar. 2026. GuruFocus rates BSP:PINE4 with a GF Score™ of 74/100 and a GF Value™ of R$13.33 (Fairly Valued). The stock has 2 warning signs investors should review.

ROC %does not apply to banks.

BSP:PINE4
74GF Score
Banco Pine SA BSP:PINE4
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Banco Pine (BSP:PINE4) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Banco Pine and its competitors.
Is Banco Pine's ROC % too high?
Banco Pine's current ROC % is %. Overall, Banco Pine has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's ROC % compare to PNC and USB?
Banco Pine's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.85, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Banco Pine and its competitors. For the Banks industry, the median ROC % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current ROC % 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:PINE4) is currently considered Fairly Valued. The stock's GF Value™ is R$13.33, compared to a current price of R$12.17 — trading 8.7% below its estimated fair value. The current ROC % is %. Banco Pine's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Banco Pine (BSP:PINE4), the current ROC % 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:PINE4) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Pine stock appears to be undervalued. The current stock price of R$12.17 is trading 8.7% below its estimated GF Value™ of R$13.33. GuruFocus considers Banco Pine to be Fairly Valued.

Key valuation signals for BSP:PINE4:

  • ROC %: %
  • GF Value™: R$13.33 vs. price of R$12.17 (8.7% below fair value)
  • GF Score™: 74/100 with 2 warning signs

No single metric tells the full story. See the BSP:PINE4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banco Pine Business Description

Other Exchanges PINE3: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.
74GF Score

Get the complete analysis for BSP:PINE4

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

R$12.17
Price
R$13.33
GF Value