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Banco PineBSP:PINE3 +1.36%70 5-Year Yield-on-Cost % is 6.19 as of Jul. 24, 2026, which is 80% above its 10-year median of 3.43. GuruFocus rates BSP:PINE3 with a GF Score™ of 70/100 and a GF Value™ of R$12.78 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,250 Banks companies, Banco Pine ranks better than 74.56% on this metric.
Banco Pine's yield on cost for the quarter that ended in Mar. 2026 was 6.19.
The historical rank and industry rank for Banco Pine's 5-Year Yield-on-Cost % or its related term are showing as below:
BSP:PINE3'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.45 Med: 3.43 Max: 16.59
Current: 6.19
During the past 13 years, Banco Pine's highest Yield on Cost was 16.59. The lowest was 0.45. And the median was 3.43.
BSP:PINE3's 5-Year Yield-on-Cost % is ranked better than 74.56% of 1250
companies
in the Banks industry
Industry Median: 3.885
vs BSP:PINE3: 6.19
Banco Pine (BSP:PINE3) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Banco Pine 5-Year Yield-on-Cost % Related Terms
BSP:PINE3 vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Banco Pine's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pine's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Banco Pine's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Banco Pine is calculated as
Banco Pine (BSP:PINE3) has a 5-Year Yield-on-Cost % of 6.19 as of Jul. 24, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Banco Pine and its competitors. This is 80% above median its historical median of 3.43. Over the past decade, Banco Pine's 5-Year Yield-on-Cost % has ranged from 0.45 to 16.59. According to the industry distribution chart, Banco Pine ranks #318 out of 1250 companies in the Banks industry, placing it in the top 25.4%.
Is Banco Pine's 5-Year Yield-on-Cost % too high?
Banco Pine's current 5-Year Yield-on-Cost % of 6.19 is 80% above median its 10-year median of 3.43. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 16.59. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Banco Pine's value of 6.19 is 59.3% above this industry median. Based on the distribution chart, Banco Pine ranks #318 out of 1250 companies in the Banks industry, which is above the industry midpoint. Overall, Banco Pine has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pine ranks #318 out of 1250 companies for 5-Year Yield-on-Cost %. This puts Banco Pine in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Banco Pine's value of 6.19 is 59.3% above this benchmark. Historically, Banco Pine's own 5-Year Yield-on-Cost % has ranged from 0.45 to 16.59 over the past decade. While the company's 10-year median is 3.43 vs. the industry median of 3.89, Banco Pine 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Pine's current 5-Year Yield-on-Cost % of 6.19 is 59.3% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Banco Pine and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current 5-Year Yield-on-Cost % is 6.19, which is 80% above median its own 10-year median of 3.43. 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 Fairly Valued. The stock's GF Value™ is R$12.78, compared to a current price of R$11.90 — trading 6.9% below its estimated fair value. The current 5-Year Yield-on-Cost % is 6.19, which is 80% above median its 10-year median of 3.43 and 59.3% above the Banks industry median of 3.89. Banco Pine's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Banco Pine (BSP:PINE3), the current 5-Year Yield-on-Cost % is 6.19 as of Jul. 24, 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$11.90 is trading 6.9% below its estimated GF Value™ of R$12.78.
GuruFocus considers Banco Pine to be Fairly Valued.
Key valuation signals for BSP:PINE3:
5-Year Yield-on-Cost %: 6.19 (80% above median its 10-year median of 3.43)
GF Value™: R$12.78 vs. price of R$11.90 (6.9% below fair value)
Industry Position: 59.3% above the Banks median (#318 of 1250)
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 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.
70GF Score
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