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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Banco Pine's 10-Year RORE % for the quarter that ended in Mar. 2026 was 706.65%.
The industry rank for Banco Pine's 10-Year RORE % or its related term are showing as below:
BSP:PINE4's 10-Year RORE % is ranked better than 99.72% of 1085
companies
in the Banks industry
Industry Median: 10.22
vs BSP:PINE4: 706.65
Banco Pine (BSP:PINE4) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Banco Pine 10-Year RORE % Related Terms
Banco Pine 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Banco Pine's 10-Year RORE % 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.
For the Banks - Regional subindustry, Banco Pine's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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.
Banco Pine 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pine's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Banco Pine's 10-Year RORE % 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
Banco Pine (BSP:PINE4) has a 10-Year RORE % of 706.65 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Banco Pine and its competitors. According to the industry distribution chart, Banco Pine ranks #3 out of 1085 companies in the Banks industry, placing it in the top 0.3%.
Is Banco Pine's 10-Year RORE % too high?
Banco Pine's current 10-Year RORE % is 706.65. The Banks industry median 10-Year RORE % is 10.22. Banco Pine's value of 706.65 is 6814.4% above this industry median. Based on the distribution chart, Banco Pine ranks #3 out of 1085 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Pine has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's 10-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pine ranks #3 out of 1085 companies for 10-Year RORE %. This places Banco Pine in the top 0% of its industry — outperforming the majority of peers. The industry median 10-Year RORE % is 10.22. Banco Pine's value of 706.65 is 6814.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.22, based on 1,085 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Pine's current 10-Year RORE % of 706.65 is 6814.4% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Banco Pine and its competitors. For the Banks industry, the median 10-Year RORE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current 10-Year RORE % is 706.65. 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 Modestly Undervalued. The stock's GF Value™ is R$13.41, compared to a current price of R$11.61 — trading 13.4% below its estimated fair value. The current 10-Year RORE % is 706.65 and 6814.4% above the Banks industry median of 10.22. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Banco Pine (BSP:PINE4), the current 10-Year RORE % is 706.65 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$11.61 is trading 13.4% below its estimated GF Value™ of R$13.41.
GuruFocus considers Banco Pine to be Modestly Undervalued.
Key valuation signals for BSP:PINE4:
10-Year RORE %: 706.65
GF Value™: R$13.41 vs. price of R$11.61 (13.4% below fair value)
Industry Position: 6814.4% above the Banks median (#3 of 1085)
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 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
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