Demonstrações financeiras detalhadas de PCB Bancorp (PCB): 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
PCB Bancorp registou receitas de $209.4M no último exercício, com um CAGR de 5 anos de 18.0%. O lucro líquido atingiu $37.5M, com CAGR de 5 anos de 18.3%.
Margens dos últimos 12 meses: margem bruta 55.7%, margem operacional 27.5%, margem líquida 19.7%. O fluxo de caixa livre cresceu a CAGR de 9.8% em 5 anos.
Ao preço atual de $27.77, PCB negocia a um P/L de 9.43 e um ROE de 10.64%. A capitalização de mercado é de $395M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $65.9M | $79.2M | $94.2M | $104.8M | $91.5M | $99.9M | $116.2M | $161.9M | $191.9M | $209.4M |
| Custo da Receita | $9.3M | $11.9M | $19.2M | $28.1M | $26.8M | -$261000 | $15.7M | $62.5M | $95.6M | $97.7M |
| Lucro Bruto | $56.6M | $67.2M | $75.0M | $76.7M | $64.7M | $100.2M | $100.5M | $99.3M | $96.3M | $111.7M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $22.1M | $25.2M | $27.4M | $28.4M | $28.1M | $30.2M | $35.9M | $37.7M | $38.5M | $39.6M |
| Despesas Operacionais | $32.2M | $35.9M | $40.2M | $42.3M | $41.7M | $43.2M | $51.1M | $56.1M | $60.0M | $59.2M |
| Lucro Operacional | $24.4M | $31.3M | $34.7M | $34.4M | $23.0M | $57.0M | $49.4M | $43.3M | $36.3M | $52.5M |
| EBITDA | $27.5M | $34.7M | $38.8M | $38.3M | $26.4M | $60.3M | $53.1M | $47.3M | $40.3M | $56.8M |
| Despesas com Juros | $7.0M | $10.1M | $18.0M | $23.9M | $13.6M | $4.3M | $12.1M | $62.7M | $92.2M | $93.7M |
| Lucro Antes de Impostos | $24.4M | $31.3M | $34.7M | $34.4M | $23.0M | $57.0M | $49.4M | $43.3M | $36.3M | $52.5M |
| Imposto | $10.4M | $14.9M | $10.4M | $10.2M | $6.8M | $16.9M | $14.4M | $12.6M | $10.5M | $15.0M |
| Lucro Líquido | $14.0M | $16.4M | $24.3M | $24.1M | $16.2M | $40.1M | $35.0M | $30.7M | $25.8M | $37.5M |
| LPA | $1.12 | $1.22 | $1.69 | $1.52 | $1.05 | $2.66 | $2.36 | $2.14 | $1.75 | $2.62 |
| LPA Diluído | $1.11 | $1.21 | $1.66 | $1.49 | $1.04 | $2.62 | $2.32 | $2.12 | $1.74 | $2.58 |
| Ações em Circulação (Diluídas) | $12.6M | $13.5M | $14.7M | $16.2M | $15.4M | $15.3M | $15.1M | $14.4M | $14.3M | $14.3M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $54.9M | $52.4M | $52.2M | $53.2M |
| Lucro Bruto | $30.8M | $28.1M | $29.7M | $29.8M |
| Lucro Operacional | $15.9M | $13.1M | $14.9M | $14.7M |
| EBITDA | $17.0M | $14.2M | $15.8M | $15.6M |
| Lucro Líquido | $11.4M | $9.2M | $10.7M | $10.5M |
| LPA | $0.79 | $0.65 | $0.75 | $0.74 |
| LPA Diluído | $0.78 | $0.64 | $0.74 | $0.73 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $70.0M | $73.7M | $162.3M | $146.2M | $194.1M | $203.3M | $147.0M | $242.3M | $198.8M | $25.3M |
| Investimentos de Curto Prazo | $82.8M | $129.7M | $147.0M | $97.6M | $120.5M | $123.2M | $141.9M | $143.3M | $146.3M | $160.0M |
| Contas a Receber | $10.0M | $10.3M | $11.6M | $5.1M | $9.3M | $5.4M | $7.5M | $9.5M | $10.5M | $10.7M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $162.8M | $213.6M | $320.9M | $248.9M | $324.0M | $331.9M | $296.4M | $395.1M | $355.6M | $196.0M |
| Imobilizado | $4.6M | $4.7M | $4.6M | $12.8M | $11.7M | $9.9M | $13.3M | $24.9M | $25.5M | $25.4M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | $8.3M | $9.0M | $11.6M | $6.8M | 0 | 0 | 0 | 0 | $5.8M | $5.6M |
| Ativos Totais | $1.23B | $1.44B | $1.70B | $1.75B | $1.92B | $2.15B | $2.42B | $2.79B | $3.06B | $3.28B |
| Contas a Pagar | $7.8M | $8.5M | $13.0M | $10.2M | $5.8M | $8.9M | $11.8M | $29.0M | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $15.0M | 0 |
| Passivos Circulantes | $1.10B | $1.26B | $1.46B | $1.49B | $1.60B | $1.88B | $2.06B | $2.38B | $2.63B | $1.23B |
| Dívida de Longo Prazo | 0 | $40.0M | $30.0M | $20.0M | $80.0M | $10.0M | $20.0M | $39.0M | 0 | $53.0M |
| Passivos Totais | $1.10B | $1.30B | $1.49B | $1.52B | $1.69B | $1.89B | $2.08B | $2.44B | $2.70B | $2.89B |
| Reservas | 0 | $15.0M | $37.6M | $57.7M | $67.7M | $101.1M | $127.2M | $146.1M | $160.8M | $186.5M |
| Patrimônio Líquido | $127.0M | $142.2M | $210.3M | $226.8M | $233.8M | $256.3M | $335.4M | $348.9M | $363.8M | $390.0M |
| Dívida Total | 0 | $40.0M | $30.0M | $30.0M | $88.5M | $17.4M | $26.8M | $59.1M | $33.7M | $72.0M |
| Dívida Líquida | -$152.8M | -$163.3M | -$279.3M | -$213.8M | -$226.2M | -$309.0M | -$262.1M | -$326.5M | -$311.5M | -$113.3M |
| Capital de Giro | -$936.8M | -$1.05B | -$1.14B | -$1.24B | -$1.28B | -$1.54B | -$1.76B | -$1.99B | -$2.28B | -$1.03B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $369.5M | $207.1M | $24.8M | $30.9M |
| Ativos Totais | $3.36B | $3.28B | $3.40B | $3.47B |
| Passivos Totais | $2.98B | $2.89B | $3.00B | $3.07B |
| Patrimônio Líquido | $384.5M | $390.0M | $396.7M | $400.5M |
| Dívida Total | $19.0M | $53.0M | $68.3M | $107.7M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $14.0M | $16.4M | $24.3M | $24.1M | $16.2M | $40.1M | $35.0M | $30.7M | $25.8M | $37.5M |
| Depreciação e Amortização | $3.1M | $3.4M | $4.0M | $3.9M | $3.4M | $3.4M | $3.7M | $4.1M | $4.0M | $4.3M |
| Compensação em Ações | $717000 | $699000 | $648000 | $709000 | $715000 | $453000 | $539000 | $488000 | $504000 | $973000 |
| Variação Capital de Giro | -$1.9M | $557000 | $3.1M | -$1.3M | -$9.2M | $4.6M | -$11.0M | $13.1M | $17.9M | -$5.4M |
| Fluxo de Caixa Operacional | $40.2M | $21.2M | $30.7M | $30.1M | $17.1M | -$1.6M | $57.3M | $63.3M | $39.0M | $26.6M |
| CapEx | -$2.0M | -$1.3M | -$1.1M | -$710000 | -$1.8M | -$430000 | -$5.5M | -$1.3M | -$4.1M | -$2.2M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | -$6.5M | -$6.5M | -$10.9M | -$6.7M | -$8.8M | -$222000 | -$7.2M |
| Dividendos Pagos | -$1.4M | -$1.6M | -$1.8M | -$4.0M | -$6.2M | -$6.7M | -$8.9M | -$9.9M | -$11.0M | -$11.8M |
| Fluxo de Caixa Livre | $38.2M | $19.9M | $29.5M | $29.4M | $15.3M | -$2.0M | $51.8M | $62.0M | $34.9M | $24.4M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $16.4M | $2.9M | $20.7M | $1.4M |
| CapEx | -$247000 | -$126000 | -$28000 | $28000 |
| Fluxo de Caixa Livre | $16.2M | $2.8M | $20.6M | $1.4M |
| Dividendos Pagos | -$3.0M | -$2.9M | -$3.2M | -$3.2M |
| Compensação em Ações | $227000 | $284000 | $230000 | $233000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +20.2% | +18.9% | +11.3% | -12.7% | +9.2% | +16.4% | +39.2% | +18.6% | +9.1% |
| Crescimento Lucro Líquido (anual) | | +17.1% | +48.1% | -0.8% | -32.9% | +147.9% | -12.8% | -12.2% | -15.9% | +45.1% |
| Crescimento LPA (anual) | | +8.9% | +38.5% | -10.1% | -30.9% | +153.3% | -11.3% | -9.3% | -18.2% | +49.7% |
| Variação de Ações (anual) | | +7.4% | +8.3% | +10.2% | -4.5% | -1.3% | -1.2% | -4.3% | -0.5% | -0.4% |
| Crescimento FCF (anual) | | -47.9% | +48.2% | -0.5% | -48.0% | -113.4% | +2631.2% | +19.7% | -43.7% | -30.1% |
| Margem Bruta | 85.9% | 84.9% | 79.6% | 73.1% | 70.7% | 100.3% | 86.5% | 61.4% | 50.2% | 53.3% |
| Margem Operacional | 37.0% | 39.6% | 36.9% | 32.8% | 25.1% | 57.0% | 42.5% | 26.7% | 18.9% | 25.1% |
| Margem EBITDA | 41.7% | 43.8% | 41.2% | 36.5% | 28.9% | 60.4% | 45.7% | 29.2% | 21.0% | 27.1% |
| Margem Líquida | 21.3% | 20.7% | 25.8% | 23.0% | 17.7% | 40.1% | 30.1% | 19.0% | 13.4% | 17.9% |
| Margem FCF | 58.0% | 25.2% | 31.4% | 28.1% | 16.7% | -2.0% | 44.6% | 38.3% | 18.2% | 11.7% |
| Taxa Efetiva de Imposto | 42.6% | 47.7% | 30.1% | 29.8% | 29.7% | 29.6% | 29.2% | 29.0% | 28.9% | 28.6% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $3.03 | $1.47 | $2.01 | $1.82 | $0.99 | $-0.13 | $3.44 | $4.30 | $2.43 | $1.71 |
| Dividendo por Ação | $0.11 | $0.12 | $0.12 | $0.24 | $0.40 | $0.44 | $0.59 | $0.69 | $0.77 | $0.83 |
| Ações em Circulação (Básicas) | $12.5M | $13.4M | $14.4M | $15.9M | $15.4M | $15.0M | $14.8M | $14.3M | $14.2M | $14.2M |
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 | 10.64% |
| Retorno sobre capital investido | 1.20% |
| Retorno sobre ativos | 1.20% |
| Margem bruta | 55.66% |
| Margem operacional | 27.54% |
| Margem líquida | 19.65% |
Saúde financeira
| Dívida / Patrimônio | 0.27 |
| Liquidez corrente | 4.15 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.12 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 10.18 | 11.24 | 9.26 | 11.37 | 9.63 | 8.26 | 7.50 | 8.61 | 11.57 | 8.26 |
| P/VP | 1.13 | 1.29 | 1.07 | 1.21 | 0.67 | 1.29 | 0.78 | 0.76 | 0.79 | 0.79 |
| P/V | 2.17 | 2.32 | 2.39 | 2.62 | 1.70 | 3.30 | 2.26 | 1.63 | 1.50 | 1.47 |
| Margem Bruta | 85.9% | 84.9% | 79.6% | 73.1% | 70.7% | 100.3% | 86.5% | 61.4% | 50.2% | 53.3% |
| Margem Operacional | 37.0% | 39.6% | 36.9% | 32.8% | 25.1% | 57.0% | 42.5% | 26.7% | 18.9% | 25.1% |
| Margem Líquida | 21.3% | 20.7% | 25.8% | 23.0% | 17.7% | 40.1% | 30.1% | 19.0% | 13.4% | 17.9% |