Demonstrações financeiras detalhadas de Banner Corporation (BANR): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Banner Corporation registou receitas de $819.5M no último exercício, com um CAGR de 5 anos de 5.2%. O lucro líquido atingiu $195.4M, com CAGR de 5 anos de 11.0%.
Margens dos últimos 12 meses: margem bruta 77.7%, margem operacional 19.4%, margem líquida 31.2%. O fluxo de caixa livre cresceu a CAGR de 17.1% em 5 anos.
Ao preço atual de $71.08, BANR negocia a um P/L de 11.81 e um ROE de 10.65%. A capitalização de mercado é de $2.4B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $472.2M | $488.3M | $550.2M | $619.6M | $636.5M | $630.8M | $643.1M | $741.7M | $827.3M | $819.5M |
| Custo da Receita | $22.4M | $27.2M | $41.2M | $66.8M | $105.7M | -$9.8M | $29.8M | $136.4M | $232.0M | $171.8M |
| Lucro Bruto | $449.8M | $461.1M | $509.0M | $552.8M | $530.8M | $640.6M | $613.4M | $605.3M | $595.4M | $647.7M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $195.1M | $205.4M | $215.4M | $237.1M | $258.3M | $256.0M | $252.9M | $259.9M | $267.1M | $342.7M |
| Despesas Operacionais | $320.2M | $309.8M | $343.9M | $369.7M | $388.3M | $394.0M | $372.6M | $378.2M | $385.9M | $406.4M |
| Lucro Operacional | $129.6M | $151.3M | $165.1M | $183.1M | $142.5M | $246.6M | $240.8M | $227.1M | $209.5M | $241.4M |
| EBITDA | $150.2M | $172.2M | $186.4M | $208.2M | $168.3M | $270.5M | $263.0M | $248.7M | $230.2M | $252.6M |
| Despesas com Juros | $16.4M | $19.2M | $32.7M | $56.8M | $37.8M | $23.6M | $19.4M | $125.6M | $224.4M | $217.0M |
| Lucro Antes de Impostos | $129.6M | $151.3M | $165.1M | $183.1M | $142.5M | $246.6M | $240.8M | $227.1M | $209.5M | $238.9M |
| Imposto | $44.3M | $90.5M | $28.6M | $36.9M | $26.5M | $45.5M | $45.4M | $43.5M | $40.6M | $43.5M |
| Lucro Líquido | $85.4M | $60.8M | $136.5M | $146.3M | $115.9M | $201.0M | $195.4M | $183.6M | $168.9M | $195.4M |
| LPA | $2.52 | $1.85 | $4.16 | $4.20 | $3.29 | $5.81 | $5.70 | $5.35 | $4.90 | $5.67 |
| LPA Diluído | $2.52 | $1.84 | $4.15 | $4.18 | $3.26 | $5.76 | $5.67 | $5.33 | $4.88 | $5.64 |
| Ações em Circulação (Diluídas) | $33.9M | $33.0M | $32.9M | $35.0M | $35.5M | $34.9M | $34.5M | $34.5M | $34.6M | $34.4M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $247.7M | $261.2M | $272.2M | $307.7M | $1.23B | $2.13B | $243.1M | $254.5M | $501.9M | $182.8M |
| Investimentos de Curto Prazo | $806.4M | $919.5M | $1.64B | $1.55B | $2.32B | $3.64B | $2.79B | 0 | $23.3M | $42.9M |
| Contas a Receber | $30.2M | $31.3M | $38.6M | $38.0M | $46.6M | $42.9M | $57.3M | $63.1M | $60.9M | $60.5M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.08B | $1.21B | $1.95B | $1.90B | $3.60B | $5.82B | $3.09B | $317.6M | $586.0M | $286.2M |
| Imobilizado | $166.5M | $154.8M | $171.8M | $178.0M | $219.9M | $204.0M | $188.0M | $176.0M | $164.6M | $144.3M |
| Ágio | $244.6M | $242.7M | $339.2M | $373.1M | $373.1M | $373.1M | $373.1M | $373.1M | $373.1M | $373.1M |
| Ativos Intangíveis | $30.2M | $22.7M | $32.9M | $29.2M | $21.4M | $14.9M | $9.4M | $5.7M | $3.1M | $1.5M |
| Ativos Totais | $9.79B | $9.76B | $11.87B | $12.60B | $15.03B | $16.80B | $15.83B | $15.67B | $16.20B | $16.35B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $105.7M | $95.9M | $119.0M | $118.5M | $184.8M | $264.5M | $232.8M | $182.9M | $125.3M | $107.7M |
| Passivos Circulantes | $8.30B | $8.35B | $9.70B | $10.40B | $12.90B | $14.74B | $14.05B | $13.21B | $13.64B | $14.14B |
| Dívida de Longo Prazo | $149.4M | $98.9M | $654.3M | $569.3M | $365.2M | $268.4M | $223.8M | $482.3M | $437.8M | $229.2M |
| Passivos Totais | $8.49B | $8.49B | $10.39B | $11.01B | $13.37B | $15.11B | $14.38B | $14.02B | $14.43B | $14.41B |
| Reservas | $95.3M | $90.5M | $134.1M | $186.8M | $247.3M | $390.8M | $525.2M | $642.2M | $744.1M | $871.8M |
| Patrimônio Líquido | $1.31B | $1.27B | $1.48B | $1.59B | $1.67B | $1.69B | $1.46B | $1.65B | $1.77B | $1.95B |
| Dívida Total | $255.1M | $194.8M | $773.3M | $687.8M | $609.3M | $592.6M | $511.8M | $713.8M | $606.5M | $372.6M |
| Dívida Líquida | -$799.0M | -$985.9M | -$1.14B | -$1.17B | -$2.95B | -$5.18B | -$2.52B | $459.3M | $81.3M | $146.9M |
| Capital de Giro | -$7.21B | -$7.14B | -$7.75B | -$8.50B | -$9.29B | -$8.92B | -$10.96B | -$12.89B | -$13.05B | -$13.86B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $85.4M | $60.8M | $136.5M | $146.3M | $115.9M | $201.0M | $195.4M | $183.6M | $168.9M | $51.2M |
| Depreciação e Amortização | $20.5M | $20.9M | $21.3M | $25.4M | $25.9M | $23.9M | $22.2M | $21.6M | $20.7M | $14.1M |
| Compensação em Ações | $4.3M | $6.0M | $6.6M | $7.1M | $9.2M | $9.3M | $8.9M | $9.2M | $10.0M | $17.5M |
| Variação Capital de Giro | $3.2M | $3.6M | $1.5M | -$4.6M | -$23.2M | -$8.9M | -$4.8M | $4.1M | -$21.7M | -$26.2M |
| Fluxo de Caixa Operacional | -$75.8M | $346.7M | $30.8M | $149.6M | $125.4M | $301.6M | $238.1M | $257.2M | $293.2M | $257.5M |
| CapEx | -$16.2M | -$12.2M | -$23.1M | -$24.7M | -$12.8M | -$10.5M | -$14.7M | -$14.7M | -$13.7M | -$9.5M |
| Aquisições | 0 | $113.2M | -$1.6M | $26.9M | 0 | 0 | -$168.1M | 0 | 0 | 0 |
| Recompra de Ações | -$50.8M | -$31.0M | -$34.4M | -$53.9M | -$31.8M | -$56.5M | -$11.0M | -$3.5M | -$2.2M | -$35.0M |
| Dividendos Pagos | -$28.3M | -$65.8M | -$59.3M | -$56.1M | -$94.1M | -$57.6M | -$61.1M | -$66.8M | -$66.7M | -$67.5M |
| Fluxo de Caixa Livre | -$92.1M | $334.5M | $7.7M | $124.9M | $112.6M | $291.1M | $223.3M | $242.5M | $279.4M | $247.9M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +3.4% | +12.7% | +12.6% | +2.7% | -0.9% | +2.0% | +15.3% | +11.5% | -0.9% | |
| Crescimento Lucro Líquido (anual) | -28.8% | +124.6% | +7.2% | -20.7% | +73.4% | -2.8% | -6.0% | -8.0% | +15.7% | |
| Crescimento LPA (anual) | -26.6% | +124.9% | +1.0% | -21.7% | +76.6% | -1.9% | -6.1% | -8.4% | +15.7% | |
| Variação de Ações (anual) | -2.6% | -0.3% | +6.3% | +1.6% | -1.7% | -1.3% | -0.0% | +0.5% | -0.6% | |
| Crescimento FCF (anual) | +463.3% | -97.7% | +1526.2% | -9.9% | +158.6% | -23.3% | +8.6% | +15.2% | -11.3% | |
| Margem Bruta | 95.2% | 94.4% | 92.5% | 89.2% | 83.4% | 101.6% | 95.4% | 81.6% | 72.0% | 79.0% |
| Margem Operacional | 27.5% | 31.0% | 30.0% | 29.6% | 22.4% | 39.1% | 37.4% | 30.6% | 25.3% | 29.5% |
| Margem EBITDA | 31.8% | 35.3% | 33.9% | 33.6% | 26.4% | 42.9% | 40.9% | 33.5% | 27.8% | 30.8% |
| Margem Líquida | 18.1% | 12.4% | 24.8% | 23.6% | 18.2% | 31.9% | 30.4% | 24.8% | 20.4% | 23.8% |
| Margem FCF | -19.5% | 68.5% | 1.4% | 20.2% | 17.7% | 46.1% | 34.7% | 32.7% | 33.8% | 30.3% |
| Taxa Efetiva de Imposto | 34.1% | 59.8% | 17.3% | 20.1% | 18.6% | 18.5% | 18.9% | 19.1% | 19.4% | 18.2% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $-2.72 | $10.14 | $0.23 | $3.57 | $3.17 | $8.34 | $6.48 | $7.04 | $8.07 | $7.21 |
| Dividendo por Ação | $0.84 | $1.99 | $1.80 | $1.60 | $2.65 | $1.65 | $1.77 | $1.94 | $1.93 | $1.96 |
| Ações em Circulação (Básicas) | $33.8M | $32.9M | $32.8M | $34.9M | $35.3M | $34.6M | $34.3M | $34.3M | $34.5M | $34.2M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 10.65% |
| Retorno sobre capital investido | 0.64% |
| Retorno sobre ativos | 1.26% |
| Margem bruta | 77.67% |
| Margem operacional | 19.43% |
| Margem líquida | 31.24% |
Saúde financeira
| Dívida / Patrimônio | 0.27 |
| Liquidez corrente | 2.45 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.75 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 22.15 | 29.79 | 12.86 | 13.47 | 14.16 | 10.44 | 11.09 | 10.01 | 13.63 | 11.05 |
| P/VP | 1.45 | 1.42 | 1.19 | 1.24 | 0.99 | 1.24 | 1.49 | 1.11 | 1.30 | 1.10 |
| P/V | 4.00 | 3.71 | 3.19 | 3.18 | 2.58 | 3.33 | 3.37 | 2.48 | 2.78 | 2.62 |
| Margem Bruta | 95.2% | 94.4% | 92.5% | 89.2% | 83.4% | 101.6% | 95.4% | 81.6% | 72.0% | 79.0% |
| Margem Operacional | 27.5% | 31.0% | 30.0% | 29.6% | 22.4% | 39.1% | 37.4% | 30.6% | 25.3% | 29.5% |
| Margem Líquida | 18.1% | 12.4% | 24.8% | 23.6% | 18.2% | 31.9% | 30.4% | 24.8% | 20.4% | 23.8% |
Empresas relacionadas: BUSE · CUBI · EFSC · FBNC · FFBC · FRME · HTH
Explorar setor: Financial Services · Banks - Regional
Mais seções de BANR: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
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