BCO Estado do Rio Grande do Sul (BSP:BRSR3) ROE % Adjusted to Book Value: 13.93% (As of Mar. 2026)


BSP:BRSR3 BCO Estado do Rio Grande do Sul SA BSP:BRSR3
73 GF Score
Price R$17.65
GF Value R$14.97
Valuation Modestly Overvalued
! 4 Warning Signs
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What is BCO Estado do Rio Grande do Sul ROE % Adjusted to Book Value?

BCO Estado do Rio Grande do Sul BSP:BRSR3 +0.06% 73 ROE % Adjusted to Book Value is 13.93% as of Mar. 2026. GuruFocus rates BSP:BRSR3 with a GF Score™ of 73/100 and a GF Value™ of R$14.97 (Modestly Overvalued). The stock has 4 warning signs investors should review.

BCO Estado do Rio Grande do Sul's ROE % for the quarter that ended in Mar. 2026 was 9.47%. BCO Estado do Rio Grande do Sul's PB Ratio for the quarter that ended in Mar. 2026 was 0.68. BCO Estado do Rio Grande do Sul's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 13.93%.


BCO Estado do Rio Grande do Sul ROE % Adjusted to Book Value Related Terms


BCO Estado do Rio Grande do Sul ROE % Adjusted to Book Value Historical Data

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The historical data trend for BCO Estado do Rio Grande do Sul's ROE % Adjusted to Book Value 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 Estado do Rio Grande do Sul ROE % Adjusted to Book Value Chart

BCO Estado do Rio Grande do Sul Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.20 16.49 15.46 15.74 26.12

BCO Estado do Rio Grande do Sul Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value 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 18.09 33.82 26.16 42.47 13.93

BCO Estado do Rio Grande do Sul ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, BCO Estado do Rio Grande do Sul's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 do Rio Grande do Sul ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, BCO Estado do Rio Grande do Sul's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where BCO Estado do Rio Grande do Sul's ROE % Adjusted to Book Value falls into.


BSP:BRSR3
73GF Score
BCO Estado do Rio Grande do Sul SA BSP:BRSR3
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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BCO Estado do Rio Grande do Sul ROE % Adjusted to Book Value Calculation

BCO Estado do Rio Grande do Sul's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=15.67% / 0.60
=26.12%

BCO Estado do Rio Grande do Sul's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.47% / 0.68
=13.93%

* 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.

What does a ROE % Adjusted to Book Value of 13.93% mean?
BCO Estado do Rio Grande do Sul (BSP:BRSR3) has a ROE % Adjusted to Book Value of 13.93% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on BCO Estado do Rio Grande do Sul and its competitors.
Is BCO Estado do Rio Grande do Sul's ROE % Adjusted to Book Value too high?
BCO Estado do Rio Grande do Sul's current ROE % Adjusted to Book Value is 13.93%. Overall, BCO Estado do Rio Grande do Sul has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BCO Estado do Rio Grande do Sul's ROE % Adjusted to Book Value compare to competitors?
BCO Estado do Rio Grande do Sul's ROE % Adjusted to Book Value of 13.93% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on BCO Estado do Rio Grande do Sul and its competitors. BCO Estado do Rio Grande do Sul's current ROE % Adjusted to Book Value is 13.93%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BCO Estado do Rio Grande do Sul stock overvalued right now?
Based on GuruFocus' analysis, BCO Estado do Rio Grande do Sul (BSP:BRSR3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$14.97, compared to a current price of R$17.65 — trading 17.9% above its estimated fair value. The current ROE % Adjusted to Book Value is 13.93%. BCO Estado do Rio Grande do Sul's overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For BCO Estado do Rio Grande do Sul (BSP:BRSR3), the current ROE % Adjusted to Book Value is 13.93% 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 do Rio Grande do Sul (BSP:BRSR3) Overvalued in 2026?

Based on GuruFocus' analysis, BCO Estado do Rio Grande do Sul stock appears to be overvalued. The current stock price of R$17.65 is trading 17.9% above its estimated GF Value™ of R$14.97. GuruFocus considers BCO Estado do Rio Grande do Sul to be Modestly Overvalued.

Key valuation signals for BSP:BRSR3:

  • ROE % Adjusted to Book Value: 13.93%
  • GF Value™: R$14.97 vs. price of R$17.65 (17.9% above fair value)
  • GF Score™: 73/100 with 4 warning signs

No single metric tells the full story. See the BSP:BRSR3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


BCO Estado do Rio Grande do Sul Business Description

Other Exchanges BRSR6:BrazilBRSR5:Brazil
Address Rua Capitao Montanha, nº 177 - Centro Porto Alegre, Porto Alegre, RS, BRA, 90010-040
BCO Estado do Rio Grande do Sul SA is a Brazil-based commercial bank that provides personal and corporate banking services. It provides financial services such as multiple banks, providing brokering services, consortia, card management, and warehouses. The company with its subsidiaries and affiliates operates commercial, lending, financing and investment, mortgage loan, development, leasing, and investment portfolios, including foreign exchange transactions, securities brokerage, and credit card and consortium management.
73GF Score

Get the complete analysis for BSP:BRSR3

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

R$17.65
Price
R$14.97
GF Value