Demonstrações financeiras detalhadas de Great Southern Bancorp, Inc. (GSBC): 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
Great Southern Bancorp, Inc. registou receitas de $343.3M no último exercício, com um CAGR de 5 anos de 6.3%. O lucro líquido atingiu $71.0M, com CAGR de 5 anos de 3.7%.
Margens dos últimos 12 meses: margem bruta 68.9%, margem operacional 23.2%, margem líquida 21.1%. O fluxo de caixa livre cresceu a CAGR de 11.9% em 5 anos.
Ao preço atual de $79.15, GSBC negocia a um P/L de 13.14 e um ROE de 10.58%. A capitalização de mercado é de $862M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $220.6M | $214.4M | $234.8M | $266.0M | $252.8M | $237.0M | $261.1M | $326.9M | $355.3M | $343.3M |
| Custo da Receita | $31.4M | $37.0M | $44.9M | $60.8M | $56.4M | $15.0M | $33.5M | $100.5M | $138.3M | $113.5M |
| Lucro Bruto | $189.2M | $177.4M | $189.8M | $205.2M | $196.3M | $222.0M | $227.6M | $226.4M | $217.0M | $229.8M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $66.1M | $65.3M | $65.3M | $68.0M | $75.8M | $76.4M | $81.8M | $86.5M | $86.3M | $115.3M |
| Despesas Operacionais | $127.4M | $107.0M | $107.9M | $115.1M | $123.2M | $127.6M | $133.4M | $141.0M | $141.5M | $142.5M |
| Lucro Operacional | $61.9M | $70.3M | $82.0M | $90.1M | $73.1M | $94.4M | $94.2M | $85.3M | $75.5M | $87.3M |
| EBITDA | $75.3M | $82.2M | $93.4M | $101.7M | $85.2M | $105.5M | $103.9M | $94.7M | $84.4M | $95.8M |
| Despesas com Juros | $22.1M | $27.9M | $37.8M | $54.6M | $40.6M | $20.8M | $27.4M | $103.6M | $135.6M | $113.5M |
| Lucro Antes de Impostos | $61.9M | $70.3M | $82.0M | $90.1M | $73.1M | $94.4M | $94.2M | $85.3M | $75.5M | $87.3M |
| Imposto | $16.5M | $18.8M | $14.8M | $16.4M | $13.8M | $19.7M | $18.3M | $17.5M | $13.7M | $16.3M |
| Lucro Líquido | $45.3M | $51.6M | $67.1M | $73.6M | $59.3M | $74.6M | $75.9M | $67.8M | $61.8M | $71.0M |
| LPA | $3.26 | $3.67 | $4.75 | $5.18 | $4.22 | $5.50 | $6.07 | $5.65 | $5.28 | $6.23 |
| LPA Diluído | $3.21 | $3.64 | $4.71 | $5.14 | $4.21 | $5.46 | $6.02 | $5.61 | $5.26 | $6.19 |
| Ações em Circulação (Diluídas) | $14.1M | $14.2M | $14.2M | $14.3M | $14.1M | $13.7M | $12.6M | $12.1M | $11.8M | $11.4M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $86.5M | $80.8M | $71.2M | $79.9M |
| Lucro Bruto | $58.6M | $55.6M | $48.3M | $56.9M |
| Lucro Operacional | $22.1M | $19.5M | $13.5M | $18.6M |
| EBITDA | $24.2M | $21.7M | $13.6M | $20.9M |
| Lucro Líquido | $17.8M | $16.3M | $17.5M | $15.8M |
| LPA | $1.57 | $1.43 | $1.59 | $1.45 |
| LPA Diluído | $1.56 | $1.43 | $1.58 | $1.43 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $279.8M | $242.3M | $202.7M | $220.2M | $563.7M | $717.3M | $168.5M | $211.3M | $195.8M | $189.6M |
| Investimentos de Curto Prazo | $213.9M | $179.2M | $244.0M | $374.2M | $414.9M | $501.0M | $490.6M | $478.2M | $533.4M | $472.4M |
| Contas a Receber | $22.8M | $29.3M | $20.9M | $13.5M | $16.5M | $22.7M | $55.1M | $50.7M | $20.4M | $18.1M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $562.1M | $497.8M | $523.0M | $682.8M | $1.05B | $1.29B | $783.6M | $740.2M | $749.6M | $680.1M |
| Imobilizado | $140.6M | $138.0M | $132.4M | $141.9M | $139.2M | $132.7M | $141.1M | $138.6M | $132.5M | $133.3M |
| Ágio | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M |
| Ativos Intangíveis | $7.1M | $5.5M | $3.9M | $2.7M | $1.5M | $685000 | $5.4M | $5.1M | $4.7M | $4.3M |
| Ativos Totais | $4.55B | $4.41B | $4.68B | $5.02B | $5.53B | $5.45B | $5.68B | $5.81B | $5.98B | $5.60B |
| Contas a Pagar | $2.7M | $2.9M | $3.6M | $4.2M | $2.6M | $646000 | $3.0M | $6.2M | $12.8M | $3.6M |
| Dívida de Curto Prazo | $286.0M | $97.1M | $298.0M | $281.4M | $165.7M | $138.6M | $177.9M | $72.5M | $65.7M | $379.4M |
| Passivos Circulantes | $3.99B | $3.71B | $4.04B | $4.27B | $4.71B | $4.72B | $4.94B | $4.88B | $4.68B | $4.87B |
| Dívida de Longo Prazo | $130.8M | $227.0M | $99.6M | $100.0M | $174.2M | $99.8M | $100.1M | $100.4M | $100.7M | $25.8M |
| Passivos Totais | $4.12B | $3.94B | $4.14B | $4.41B | $4.90B | $4.83B | $5.15B | $5.24B | $5.38B | $4.96B |
| Reservas | $402.2M | $442.1M | $492.1M | $537.2M | $541.4M | $545.5M | $543.9M | $569.9M | $603.5M | $614.1M |
| Patrimônio Líquido | $429.8M | $471.7M | $532.0M | $603.1M | $629.7M | $616.8M | $533.1M | $571.8M | $599.6M | $636.1M |
| Dívida Total | $416.8M | $324.1M | $397.6M | $381.5M | $339.9M | $238.3M | $278.0M | $172.8M | $166.3M | $405.2M |
| Dívida Líquida | -$76.9M | -$97.3M | -$49.1M | -$212.8M | -$638.8M | -$980.0M | -$381.1M | -$516.7M | -$562.8M | -$256.8M |
| Capital de Giro | -$3.42B | -$3.21B | -$3.52B | -$3.59B | -$3.66B | -$3.43B | -$4.16B | -$4.14B | -$3.93B | -$4.19B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $196.2M | $189.6M | $101.4M | $97.2M |
| Ativos Totais | $5.74B | $5.60B | $5.69B | $5.52B |
| Passivos Totais | $5.10B | $4.96B | $5.05B | $4.88B |
| Patrimônio Líquido | $632.9M | $636.1M | $633.6M | $641.6M |
| Dívida Total | $494.4M | $405.2M | $533.6M | $511.2M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $45.3M | $51.6M | $67.1M | $73.6M | $59.3M | $74.6M | $75.9M | $67.8M | $61.8M | $71.0M |
| Depreciação e Amortização | $13.5M | $11.9M | $11.4M | $11.6M | $12.1M | $11.1M | $9.7M | $9.3M | $8.9M | $8.5M |
| Compensação em Ações | $483000 | $564000 | $737000 | $922000 | $1.2M | $1.2M | $1.4M | $1.6M | $1.8M | $1.9M |
| Variação Capital de Giro | $16.9M | -$19.1M | $13.7M | $3.9M | -$18.7M | $1.0M | -$25.9M | $16.6M | -$13.3M | $13.5M |
| Fluxo de Caixa Operacional | $80.6M | $62.8M | $94.2M | $86.4M | $46.0M | $85.0M | $66.6M | $80.7M | $44.1M | $77.7M |
| CapEx | -$11.0M | -$7.5M | -$9.5M | -$11.9M | -$8.3M | -$5.7M | -$20.1M | -$7.3M | -$4.9M | -$11.5M |
| Aquisições | $26.5M | 0 | -$50.4M | -$178.4M | -$153.9M | $296.4M | $4.0M | 0 | 0 | $129000 |
| Recompra de Ações | 0 | 0 | -$903000 | -$849000 | -$22.1M | -$39.1M | -$61.8M | -$23.3M | -$15.2M | -$44.5M |
| Dividendos Pagos | -$12.2M | -$12.9M | -$15.8M | -$29.1M | -$33.4M | -$18.8M | -$19.2M | -$19.3M | -$18.7M | -$18.7M |
| Fluxo de Caixa Livre | $69.6M | $55.3M | $84.7M | $74.5M | $37.7M | $79.2M | $46.5M | $73.4M | $39.1M | $66.2M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $5.6M | $21.6M | $21.2M | $6.1M |
| CapEx | -$1.7M | -$3.4M | -$1.3M | -$4.0M |
| Fluxo de Caixa Livre | $3.9M | $18.2M | $19.9M | $2.1M |
| Dividendos Pagos | -$4.6M | -$4.8M | -$4.8M | -$4.7M |
| Compensação em Ações | $457000 | $488000 | $494000 | $494000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | -2.8% | +9.5% | +13.3% | -5.0% | -6.2% | +10.2% | +25.2% | +8.7% | -3.4% |
| Crescimento Lucro Líquido (anual) | | +13.7% | +30.1% | +9.7% | -19.4% | +25.8% | +1.8% | -10.7% | -8.8% | +14.8% |
| Crescimento LPA (anual) | | +12.6% | +29.4% | +9.1% | -18.5% | +30.3% | +10.4% | -6.9% | -6.5% | +18.0% |
| Variação de Ações (anual) | | +0.4% | +0.5% | +0.6% | -1.6% | -3.0% | -7.8% | -4.2% | -2.7% | -3.0% |
| Crescimento FCF (anual) | | -20.6% | +53.2% | -12.1% | -49.4% | +110.2% | -41.4% | +58.0% | -46.7% | +69.2% |
| Margem Bruta | 85.8% | 82.7% | 80.9% | 77.2% | 77.7% | 93.7% | 87.2% | 69.2% | 61.1% | 66.9% |
| Margem Operacional | 28.0% | 32.8% | 34.9% | 33.9% | 28.9% | 39.8% | 36.1% | 26.1% | 21.3% | 25.4% |
| Margem EBITDA | 34.1% | 38.3% | 39.8% | 38.2% | 33.7% | 44.5% | 39.8% | 29.0% | 23.8% | 27.9% |
| Margem Líquida | 20.6% | 24.1% | 28.6% | 27.7% | 23.5% | 31.5% | 29.1% | 20.7% | 17.4% | 20.7% |
| Margem FCF | 31.6% | 25.8% | 36.1% | 28.0% | 14.9% | 33.4% | 17.8% | 22.5% | 11.0% | 19.3% |
| Taxa Efetiva de Imposto | 26.7% | 26.7% | 18.1% | 18.3% | 18.9% | 20.9% | 19.4% | 20.6% | 18.1% | 18.7% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $4.93 | $3.90 | $5.95 | $5.20 | $2.67 | $5.79 | $3.69 | $6.08 | $3.33 | $5.81 |
| Dividendo por Ação | $0.87 | $0.91 | $1.11 | $2.03 | $2.37 | $1.37 | $1.52 | $1.60 | $1.59 | $1.64 |
| Ações em Circulação (Básicas) | $13.9M | $14.0M | $14.1M | $14.2M | $14.0M | $13.6M | $12.5M | $12.0M | $11.7M | $11.4M |
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 | 10.58% |
| Retorno sobre capital investido | 1.10% |
| Retorno sobre ativos | 1.22% |
| Margem bruta | 68.94% |
| Margem operacional | 23.16% |
| Margem líquida | 21.14% |
Saúde financeira
| Dívida / Patrimônio | 0.80 |
| Liquidez corrente | 0.24 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.55 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 16.76 | 14.07 | 9.69 | 12.22 | 11.59 | 10.77 | 9.80 | 10.50 | 11.31 | 9.88 |
| P/VP | 1.77 | 1.53 | 1.22 | 1.49 | 1.09 | 1.30 | 1.40 | 1.24 | 1.16 | 1.10 |
| P/V | 3.45 | 3.37 | 2.77 | 3.38 | 2.72 | 3.39 | 2.85 | 2.18 | 1.97 | 2.04 |
| Margem Bruta | 85.8% | 82.7% | 80.9% | 77.2% | 77.7% | 93.7% | 87.2% | 69.2% | 61.1% | 66.9% |
| Margem Operacional | 28.0% | 32.8% | 34.9% | 33.9% | 28.9% | 39.8% | 36.1% | 26.1% | 21.3% | 25.4% |
| Margem Líquida | 20.6% | 24.1% | 28.6% | 27.7% | 23.5% | 31.5% | 29.1% | 20.7% | 17.4% | 20.7% |