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BCO Nordeste do BrasilBSP:BNBR3 59 ROE % is 11.95% as of Mar. 2026, which is 43% below its 10-year median of 20.92. 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 1,523 Banks companies, BCO Nordeste do Brasil ranks better than 92.97% on this metric.
The historical rank and industry rank for BCO Nordeste do Brasil's ROE % or its related term are showing as below:
BSP:BNBR3'
s ROE % Range Over the Past 10 Years
Min: 17.57 Med: 20.92 Max: 36.03
Current: 20.94
During the past 13 years, BCO Nordeste do Brasil's highest ROE % was 36.03%. The lowest was 17.57%. And the median was 20.92%.
BSP:BNBR3's ROE % is ranked better than 92.97% of 1523
companies
in the Banks industry
Industry Median: 10.27
vs BSP:BNBR3: 20.94
BCO Nordeste do Brasil (BSP:BNBR3) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE % Competitor Comparison
For the Banks - Regional subindustry, BCO Nordeste do Brasil's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, BCO Nordeste do Brasil's ROE % distribution charts can be found below:
* The bar in red indicates where BCO Nordeste do Brasil's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
BCO Nordeste do Brasil (BSP:BNBR3) has a ROE % of 11.95% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on BCO Nordeste do Brasil and its competitors. This is 43% below median its historical median of 20.92. Over the past decade, BCO Nordeste do Brasil's ROE % has ranged from 17.57 to 36.03. According to the industry distribution chart, BCO Nordeste do Brasil ranks #107 out of 1523 companies in the Banks industry, placing it in the top 7%.
Is BCO Nordeste do Brasil's ROE % too high?
BCO Nordeste do Brasil's current ROE % of 11.95% is 43% below median its 10-year median of 20.92. Over the past 10 years, this metric has ranged from a low of 17.57 to a high of 36.03. The Banks industry median ROE % is 10.27. BCO Nordeste do Brasil's value of 11.95% is 16.4% above this industry median. Based on the distribution chart, BCO Nordeste do Brasil ranks #107 out of 1523 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 ROE % compare to competitors?
According to the Banks industry distribution chart, BCO Nordeste do Brasil ranks #107 out of 1523 companies for ROE %. This places BCO Nordeste do Brasil in the top 7% of its industry — outperforming the majority of peers. The industry median ROE % is 10.27. BCO Nordeste do Brasil's value of 11.95% is 16.4% above this benchmark. Historically, BCO Nordeste do Brasil's own ROE % has ranged from 17.57 to 36.03 over the past decade. While the company's 10-year median is 20.92 vs. the industry median of 10.27, BCO Nordeste do Brasil 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.27, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BCO Nordeste do Brasil's current ROE % of 11.95% is 16.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on BCO Nordeste do Brasil and its competitors. For the Banks industry, the median ROE % is 10.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BCO Nordeste do Brasil's current ROE % is 11.95%, which is 43% below median its own 10-year median of 20.92. 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$112.00 — trading 4.6% below its estimated fair value. The current ROE % is 11.95%, which is 43% below median its 10-year median of 20.92 and 16.4% above the Banks industry median of 10.27. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For BCO Nordeste do Brasil (BSP:BNBR3), the current ROE % is 11.95% 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 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$112.00 is trading 4.6% 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:
ROE %: 11.95% (43% below median its 10-year median of 20.92)
GF Value™: R$117.37 vs. price of R$112.00 (4.6% below fair value)
Industry Position: 16.4% above the Banks median (#107 of 1523)
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 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
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