B3 · BRL
PINE3
Banco PINE S.A.
- Day's range
- R$10.70 – R$11.58
- Day's volume
- R$96.3K
- 52-week range
- R$7.75 – R$15.67
Follow PINE3 in the Fuolio
See how PINE3 weighs in your net worth, what it has paid you and how far it is from your target allocation.
Create a free accountPINE3 in numbers
- Market cap
- R$3B
- P/E
- 4.96
- P/B
- 1.66
- Dividend yield (12m)
- 8.45%
The 12-month dividend yield of PINE3 is 8.45%, above its 5-year average of 4.05%.
PINE3 price history
PINE3 risk and return
Monthly closes adjusted for splits and distributions.
| Metric | 12 months | 36 months | 60 months |
|---|---|---|---|
| Return | +39.02% | +232.12% | +56.30% |
| Volatility (annualized) | 39.24% | 75.14% | 111.96% |
| Largest drawdown | -19.43% | -45.59% | -84.27% |
| Positive months | 9/12 | 19/36 | 22/60 |
How much did investing in PINE3 return?
R$1,000.00 invested on 10/01/2021 would be worth R$1,648.27 today.
- Value today in PINE3
- R$1,648.27
- Return over the period
- +64.83%
- Return per year
- +10.51%
- In the Ibovespa
- R$1,790.07
With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.
PINE3 fundamentals
Valuation
- P/E4.96
- P/B1.66
- EV/EBITDA—
- EV/EBIT—
- EV/Revenue0.54
- P/EBIT—
- P/S0.54
- P/OCF72.83
- P/FCF-186.78
- Earnings yield—
- PEG ratio0.03
- Earnings per shareR$2.34
- Book value per shareR$6.98
Debt
- Net debt—
- Net debt/EBITDA—
- Net debt/Equity—
- Debt/Equity—
- Current ratio1.05
- Quick ratio0.01
- Cash ratio—
Efficiency
- Gross margin30.62%
- EBITDA margin—
- Operating margin—
- Net margin10.78%
- Asset turnover0.16
Profitability
- ROE33.46%
- ROA1.71%
- ROIC—
- Payout41.95%
Growth
- Revenue CAGR (5 years)—
- Earnings CAGR (5 years)—
- Revenue growth (year)70.21%
- Earnings growth (year)337.31%
- Revenue growth (quarter)17.56%
- Earnings growth (quarter)133.80%
What is PINE3's fair price?
Two classic value formulas, with today's numbers. The current price is R$11.60.
- Graham's fair price
- R$19.16
- 65.21% above the price
√(22.50 × R$2.34 × R$6.98)
Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.
- Bazin's ceiling price
- R$4.50
- 61.24% below the price
R$0.27 (5-year average) ÷ 6%
Décio Bazin only bought stocks yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years over 6%.
Graham ignores growth and debt; Bazin assumes past distributions repeat. They are references to compare, not a buy recommendation.
PINE3's indicators by year
Multiples at each year's closing price; margins and returns from that year's statements.
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| P/E | 6.64 | 10.27 | 6.19 | 37.58 | 574.16 | -19.89 | -12.22 | -26.81 |
| P/B | 2.05 | 0.97 | 1.12 | 2.04 | 1.76 | 1.71 | 1.60 | 1.33 |
| Dividend yield | 5.18% | 13.16% | 1.92% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Earnings per share | R$1.87 | R$0.45 | R$0.85 | R$0.25 | R$0.02 | -R$0.48 | -R$0.78 | -R$0.36 |
| Book value per share | R$6.04 | R$4.73 | R$4.67 | R$4.66 | R$5.42 | R$5.56 | R$5.95 | R$7.17 |
| ROE | 30.88% | 9.46% | 18.10% | 5.44% | 0.31% | -8.62% | -13.12% | -4.96% |
| Gross margin | 28.81% | 16.78% | 9.98% | 1.88% | 42.68% | 54.46% | 21.43% | 2.97% |
| Net margin | 9.29% | 3.62% | 8.70% | 3.21% | 0.16% | -5.82% | -12.94% | -5.68% |
PINE3's financial statements
| Line | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Net revenue | R$4.8B | R$2.8B | R$2B | R$1.5B | R$1.5B | R$1.2B |
| Cost of revenue | -R$3.4B | -R$2.3B | -R$1.8B | -R$1.4B | -R$874.2M | -R$555.7M |
| Gross profit | R$1.4B | R$470.5M | R$203.8M | R$27.8M | R$651M | R$664.5M |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| Financial result | — | — | — | — | — | — |
| Income before tax | R$561M | R$17.3M | R$250.3M | R$80.7M | R$10.5M | -R$141.8M |
| Income tax | -R$128.1M | R$84.4M | -R$72.6M | -R$33.4M | -R$8M | R$70.8M |
| Net income | R$443.6M | R$101.4M | R$177.7M | R$47.3M | R$2.5M | -R$71M |
Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.
PINE3 against its sector
The same indicators for the company's other shares and the sector's largest stocks.
| Stock | P/E | P/B | Dividend yield (12m) | ROE | Market cap |
|---|---|---|---|---|---|
| PINE3Banco Pine | 4.96 | 1.66 | 8.45% | 33.46% | R$3B |
| ITUB4ITAU UNIBANCO HOLDING S.A. | 10.43 | 2.24 | 7.15% | 21.50% | R$511.8B |
| ITUB3ITAU UNIBANCO HOLDING S.A. | 11.41 | 2.45 | 6.53% | 21.50% | R$511.8B |
| BPAC3BCO BTG PACTUAL S.A. | 15.68 | 3.48 | 1.91% | 22.20% | R$271.9B |
| BPAC5BCO BTG PACTUAL S.A. | 13.14 | 2.92 | 2.28% | 22.20% | R$271.9B |
| BBDC4BCO BRADESCO S.A. | 7.92 | 1.08 | 6.80% | 13.66% | R$183.9B |
| BBDC3BCO BRADESCO S.A. | 6.94 | 0.95 | 7.05% | 13.66% | R$183.9B |
Does PINE3 pay dividends?
Dividend yield per year
- 0.00%2017
- 0.00%2018
- 0.00%2019
- 0.00%2020
- 0.00%2021
- 0.00%2022
- 1.92%2023
- 13.16%2024
- 5.18%2025
- 5.51%2026
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Interest on equity | 07/14/2026 | 07/22/2026 | R$0.27 |
| Interest on equity | 04/20/2026 | 04/30/2026 | R$0.22 |
| Dividend | 01/08/2026 | 01/16/2026 | R$0.03 |
| Interest on equity | 01/08/2026 | 01/16/2026 | R$0.10 |
| Interest on equity | 10/16/2025 | 11/27/2025 | R$0.25 |
| Interest on equity | 10/20/2025 | 10/29/2025 | R$0.10 |
| Interest on equity | 07/16/2025 | 07/25/2025 | R$0.11 |
| Interest on equity | 04/10/2025 | 04/25/2025 | R$0.08 |
| Dividend | 02/19/2025 | 02/28/2025 | R$0.01 |
| Interest on equity | 01/06/2025 | 01/16/2025 | R$0.08 |
| Interest on equity | 10/10/2024 | 11/22/2024 | R$0.16 |
| Interest on equity | 10/14/2024 | 10/21/2024 | R$0.08 |
See all 81 distributions
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Interest on equity | 07/08/2024 | 07/15/2024 | R$0.08 |
| Interest on equity | 04/11/2024 | 04/18/2024 | R$0.08 |
| Interest on equity | 01/08/2024 | 01/15/2024 | R$0.21 |
| Interest on equity | 07/31/2023 | 08/10/2023 | R$0.10 |
| Interest on equity | 03/31/2016 | 04/15/2016 | R$0.16 |
| Interest on equity | 06/30/2015 | 07/15/2015 | R$0.16 |
| Interest on equity | 03/31/2015 | 04/15/2015 | R$0.15 |
| Interest on equity | 12/30/2014 | 01/15/2015 | R$0.12 |
| Dividend | 06/30/2014 | 07/16/2014 | R$0.03 |
| Dividend | 04/01/2014 | 04/14/2014 | R$0.03 |
| Interest on equity | 04/01/2014 | 04/14/2014 | R$0.14 |
| Interest on equity | 12/30/2013 | 01/13/2014 | R$0.15 |
| Dividend | 12/30/2013 | 01/13/2014 | R$0.13 |
| Interest on equity | 04/18/2013 | 04/29/2013 | R$0.00 |
| Dividend | 04/18/2013 | 04/29/2013 | R$0.00 |
| Dividend | 03/28/2013 | 04/10/2013 | R$0.14 |
| Interest on equity | 03/28/2013 | 04/10/2013 | R$0.14 |
| Dividend | 09/28/2012 | 10/11/2012 | R$0.16 |
| Interest on equity | 09/28/2012 | 10/11/2012 | R$0.14 |
| Dividend | 03/30/2012 | 04/12/2012 | R$0.00 |
| Interest on equity | 03/30/2012 | 04/12/2012 | R$0.15 |
| Interest on equity | 12/29/2011 | 01/12/2012 | R$0.17 |
| Dividend | 12/29/2011 | 01/12/2012 | R$0.31 |
| Dividend | 09/30/2011 | 10/13/2011 | R$0.02 |
| Interest on equity | 09/30/2011 | 10/13/2011 | R$0.16 |
| Interest on equity | 06/30/2011 | 07/12/2011 | R$0.15 |
| Interest on equity | 03/31/2011 | 04/11/2011 | R$0.15 |
| Dividend | 03/31/2011 | 04/11/2011 | R$0.03 |
| Interest on equity | 09/30/2010 | 10/13/2010 | R$0.15 |
| Dividend | 09/30/2010 | 10/13/2010 | R$0.09 |
| Interest on equity | 06/30/2010 | 07/13/2010 | R$0.15 |
| Dividend | 06/30/2010 | 07/13/2010 | R$0.09 |
| Dividend | 03/31/2010 | 04/13/2010 | R$0.03 |
| Interest on equity | 03/31/2010 | 04/13/2010 | R$0.15 |
| Dividend | 09/30/2009 | 10/13/2009 | R$0.03 |
| Interest on equity | 09/30/2009 | 10/13/2009 | R$0.15 |
| Dividend | 06/30/2009 | 07/14/2009 | R$0.09 |
| Interest on equity | 06/30/2009 | 07/14/2009 | R$0.15 |
| Dividend | 03/31/2009 | 04/13/2009 | R$0.15 |
| Interest on equity | 03/31/2009 | 04/13/2009 | R$0.15 |
| Dividend | 12/30/2008 | 01/13/2009 | R$0.08 |
| Interest on equity | 12/30/2008 | 01/13/2009 | R$0.15 |
| Interest on equity | 09/30/2008 | 10/13/2008 | R$0.15 |
| Interest on equity | 06/30/2008 | 07/11/2008 | R$0.14 |
| Dividend | 01/29/2008 | 02/15/2008 | R$0.04 |
| Interest on equity | 01/17/2008 | 02/01/2008 | R$0.24 |
| Interest on equity | 01/30/2023 | — | R$0.06 |
| Interest on equity | 06/30/2016 | — | R$0.06 |
| Interest on equity | 01/04/2016 | — | R$0.20 |
| Interest on equity | 09/30/2015 | — | R$0.18 |
| Interest on equity | 09/30/2014 | — | R$0.14 |
| Interest on equity | 06/30/2014 | — | R$0.14 |
| Interest on equity | 09/30/2013 | — | R$0.14 |
| Dividend | 09/30/2013 | — | R$0.13 |
| Dividend | 06/28/2013 | — | R$0.13 |
| Interest on equity | 06/28/2013 | — | R$0.14 |
| Interest on equity | 12/28/2012 | — | R$0.15 |
| Dividend | 12/28/2012 | — | R$0.13 |
| Interest on equity | 06/29/2012 | — | R$0.15 |
| Dividend | 06/29/2012 | — | R$0.10 |
| Interest on equity | 12/29/2011 | — | R$0.17 |
| Dividend | 12/29/2011 | — | R$0.31 |
| Dividend | 06/30/2011 | — | R$0.08 |
| Dividend | 12/30/2010 | — | R$0.09 |
| Interest on equity | 12/30/2010 | — | R$0.15 |
| Dividend | 12/30/2009 | — | R$0.03 |
| Interest on equity | 12/30/2009 | — | R$0.15 |
| Interest on equity | 04/30/2008 | — | R$0.14 |
| Interest on equity | 07/20/2007 | — | R$0.18 |
| Event | Last day to own | Ratio |
|---|---|---|
| Bonus shares | 01/06/2014 | 11.52% in shares |
About Banco Pine
- Sector
- Serviços Financeiros
- Segment
- Bancos
- Listing segment
- Level 2
- Tag along
- 100.00%
- Free float
- 27.25%
- Shares issued
- 129.95M common · 123.94M preferred
- Average daily trading
- R$95.1K
- Listed since
- 04/02/2007
- CNPJ
- 62.144.175/0001-20
Banco Pine S.A. é uma instituição financeira brasileira que oferece serviços bancários e de investimentos para pessoas físicas e jurídicas. O banco atua em segmentos de varejo, private banking e corporate, fornecendo produtos como contas correntes, poupança, empréstimos, financiamentos, investimentos e serviços de gestão patrimonial. Com operações em múltiplas cidades brasileiras, o Banco Pine posiciona-se como instituição financeira de médio porte, focando em atendimento personalizado e soluções financeiras customizadas para seus clientes. A instituição investe em tecnologia digital para modernizar seus serviços e melhorar a experiência bancária.
Investor website| Shareholder | Common | Preferred | Total |
|---|---|---|---|
| NOBERTO NOGUEIRA PINHEIROControlling | 96.04% | 32.80% | 65.17% |
| Clube de Investimento Horizonte | 0.71% | 6.99% | 3.77% |
| FRANCISCO ASCLEPIO BARROSO AGUIAR | 0.53% | 5.85% | 3.12% |
| Outros | 2.55% | 53.15% | 27.25% |
| Ações Tesouraria | 0.17% | 1.22% | 0.68% |
Questions about PINE3
How much is PINE3 today?
PINE3 is at R$11.60 (7.01% on the day), last traded on 10/01/2026.
How much did PINE3 pay in dividends in 2025?
PINE3 paid R$0.64 per share in 2025, a dividend yield of 5.18%.
What are the P/E and P/B of PINE3?
PINE3 trades at a P/E of 4.96 and a P/B of 1.66.
How much did PINE3 return in 12 months?
PINE3 returned 39.02% in 12 months, with annualized volatility of 39.24% and a largest drawdown of -19.43%.
What sector is PINE3 in?
Banco Pine is in the Serviços Financeiros sector, Bancos segment.