Demonstrações financeiras detalhadas de RBB Bancorp (RBB): 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
RBB Bancorp registou receitas de $238.0M no último exercício, com um CAGR de 5 anos de 9.2%. O lucro líquido atingiu $31.9M, com CAGR de 5 anos de -0.6%.
Margens dos últimos 12 meses: margem bruta 54.4%, margem operacional 23.1%, margem líquida 17.3%. O fluxo de caixa livre cresceu a CAGR de -18.8% em 5 anos.
Ao preço atual de $26.64, RBB negocia a um P/L de 10.92 e um ROE de 7.94%. A capitalização de mercado é de $451M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $77.0M | $87.2M | $113.6M | $159.9M | $153.1M | $165.8M | $191.5M | $236.1M | $232.0M | $238.0M |
| Custo da Receita | $16.5M | $12.8M | $26.7M | $47.1M | $46.1M | $26.7M | $36.4M | $105.2M | $127.2M | $119.2M |
| Lucro Bruto | $60.5M | $74.4M | $86.8M | $112.8M | $107.0M | $139.1M | $155.1M | $130.9M | $104.8M | $118.8M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $17.8M | $21.1M | $29.1M | $41.6M | $36.4M | $37.4M | $40.0M | $43.0M | $44.3M | $46.6M |
| Despesas Operacionais | $27.9M | $27.6M | $40.6M | $57.5M | $59.5M | $58.2M | $63.8M | $70.7M | $69.2M | $76.7M |
| Lucro Operacional | $32.6M | $46.8M | $46.2M | $55.3M | $47.5M | $80.9M | $91.3M | $60.2M | $35.7M | $42.1M |
| EBITDA | $33.9M | $49.2M | $51.3M | $62.1M | $55.3M | $94.5M | $102.4M | $69.9M | $44.9M | $48.8M |
| Despesas com Juros | $11.7M | $13.9M | $23.6M | $44.9M | $34.4M | $22.7M | $31.4M | $101.9M | $117.3M | $108.8M |
| Lucro Antes de Impostos | $32.6M | $46.8M | $46.2M | $55.3M | $47.5M | $80.9M | $91.3M | $60.2M | $35.7M | $42.1M |
| Imposto | $13.5M | $21.3M | $10.1M | $16.1M | $14.5M | $24.0M | $27.0M | $17.8M | $9.0M | $10.2M |
| Lucro Líquido | $19.1M | $25.5M | $36.1M | $39.2M | $32.9M | $56.9M | $64.3M | $42.5M | $26.7M | $31.9M |
| LPA | $1.49 | $1.81 | $2.13 | $1.96 | $1.66 | $2.92 | $3.37 | $2.24 | $1.47 | $1.84 |
| LPA Diluído | $1.39 | $1.68 | $2.03 | $1.92 | $1.65 | $2.86 | $3.33 | $2.24 | $1.47 | $1.83 |
| Ações em Circulação (Diluídas) | $13.7M | $15.2M | $18.0M | $20.4M | $19.9M | $19.8M | $19.3M | $19.0M | $18.2M | $17.1M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $60.7M | $60.0M | $61.1M | $60.2M |
| Lucro Bruto | $31.9M | $31.7M | $35.0M | $33.1M |
| Lucro Operacional | $13.3M | $12.8M | $15.7M | $14.1M |
| EBITDA | $15.5M | $14.9M | $17.9M | $14.1M |
| Lucro Líquido | $10.1M | $10.2M | $11.3M | $10.1M |
| LPA | $0.58 | $0.60 | $0.66 | $0.60 |
| LPA Diluído | $0.59 | $0.59 | $0.66 | $0.59 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $74.6M | $70.6M | $148.3M | $115.4M | $138.3M | $502.0M | $84.1M | $432.0M | $258.3M | $27.1M |
| Investimentos de Curto Prazo | $39.3M | $65.0M | $73.8M | $126.1M | $210.9M | $368.3M | $256.8M | $76.1M | $87.2M | $407.2M |
| Contas a Receber | $7.7M | $272000 | $33.3M | $34.8M | $40.3M | $477000 | $50.5M | $1.2M | $10.3M | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $121.5M | $135.9M | $255.4M | $276.2M | $389.7M | $870.7M | $391.5M | $509.3M | $355.9M | $434.3M |
| Imobilizado | $6.6M | $6.6M | $17.3M | $16.8M | $27.1M | $49.7M | $52.5M | $55.5M | $52.6M | $71.4M |
| Ágio | $29.9M | $29.9M | $58.4M | $58.6M | $69.2M | $69.2M | $71.5M | $71.5M | $71.5M | $71.5M |
| Ativos Intangíveis | $1.8M | $1.4M | $7.6M | $6.1M | $5.2M | $4.1M | $3.7M | $2.8M | $2.0M | $1.3M |
| Ativos Totais | $1.40B | $1.69B | $2.98B | $2.79B | $3.35B | $4.23B | $3.92B | $4.03B | $3.99B | $4.21B |
| Contas a Pagar | $7.1M | $10.4M | $21.9M | $17.4M | $16.4M | $14.0M | $20.8M | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | $25.0M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $1.15B | $1.37B | $2.17B | $2.27B | $2.65B | $3.40B | $3.00B | $3.17B | $3.08B | $3.35B |
| Dívida de Longo Prazo | $52.7M | $78.0M | $432.7M | $113.7M | $268.7M | $337.5M | $408.3M | $284.1M | $334.7M | $290.1M |
| Passivos Totais | $1.21B | $1.43B | $2.60B | $2.38B | $2.92B | $3.76B | $3.43B | $3.51B | $3.48B | $3.68B |
| Reservas | $30.8M | $51.3M | $81.6M | $112.0M | $138.1M | $181.3M | $225.9M | $255.2M | $264.5M | $282.0M |
| Patrimônio Líquido | $181.6M | $265.2M | $375.0M | $407.5M | $428.4M | $466.6M | $484.5M | $511.2M | $507.8M | $523.4M |
| Dívida Total | $52.7M | $103.0M | $432.7M | $113.7M | $268.7M | $360.8M | $434.8M | $315.3M | $364.4M | $314.9M |
| Dívida Líquida | -$61.1M | -$32.7M | $210.7M | -$127.7M | -$80.4M | -$509.4M | $93.8M | -$192.8M | $18.8M | -$119.4M |
| Capital de Giro | -$1.03B | -$1.24B | -$1.91B | -$1.99B | -$2.26B | -$2.53B | -$2.61B | -$2.67B | -$2.73B | -$2.92B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $235.5M | $27.1M | $196.9M | $25.4M |
| Ativos Totais | $4.21B | $4.21B | $4.19B | $4.28B |
| Passivos Totais | $3.69B | $3.68B | $3.66B | $3.74B |
| Patrimônio Líquido | $514.3M | $523.4M | $531.0M | $535.2M |
| Dívida Total | $291.2M | $314.9M | $289.8M | $319.3M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $19.1M | $25.5M | $36.1M | $39.2M | $32.9M | $56.9M | $64.3M | $42.5M | $26.7M | $31.9M |
| Depreciação e Amortização | $1.4M | $2.4M | $5.1M | $6.8M | $7.8M | $13.5M | $11.0M | $9.6M | $9.3M | $8.8M |
| Compensação em Ações | $894000 | $779000 | $684000 | $689000 | $686000 | $1.1M | $848000 | $750000 | $1.4M | $1.7M |
| Variação Capital de Giro | -$560000 | -$824000 | -$797000 | -$775000 | -$767000 | -$6.1M | -$6.2M | -$6.1M | -$6.3M | -$6.7M |
| Fluxo de Caixa Operacional | $56.2M | $28.8M | -$84.6M | $476.5M | $124.5M | $202.2M | $93.8M | $51.3M | $58.5M | $43.4M |
| CapEx | -$210000 | -$684000 | -$2.5M | -$1.4M | -$4.2M | -$2.0M | -$2.1M | -$652000 | -$788000 | -$798000 |
| Aquisições | -$35.1M | 0 | $25.1M | 0 | $6.6M | 0 | $71.4M | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | -$3.2M | -$7.9M | -$10.5M | -$19.8M | -$6.8M | -$20.7M | -$14.2M |
| Dividendos Pagos | -$2.6M | -$5.1M | -$5.8M | -$8.0M | -$6.6M | -$9.9M | -$10.7M | -$12.2M | -$11.7M | -$11.3M |
| Fluxo de Caixa Livre | $56.0M | $28.1M | -$87.1M | $475.1M | $120.3M | $200.2M | $91.7M | $50.6M | $57.7M | $42.6M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $2.1M | $11.8M | $19.4M | $22.3M |
| CapEx | -$363000 | -$157000 | 0 | 0 |
| Fluxo de Caixa Livre | $1.8M | $11.7M | $19.4M | $22.3M |
| Dividendos Pagos | -$2.8M | -$2.8M | -$2.8M | -$2.8M |
| Compensação em Ações | $270000 | $293000 | $277000 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +13.3% | +30.2% | +40.8% | -4.3% | +8.3% | +15.5% | +23.3% | -1.8% | +2.6% |
| Crescimento Lucro Líquido (anual) | | +33.8% | +41.4% | +8.6% | -16.0% | +72.8% | +13.0% | -34.0% | -37.2% | +19.8% |
| Crescimento LPA (anual) | | +21.5% | +17.7% | -8.0% | -15.3% | +75.9% | +15.4% | -33.5% | -34.4% | +25.2% |
| Variação de Ações (anual) | | +11.3% | +17.9% | +13.5% | -2.3% | -0.4% | -2.5% | -1.8% | -4.2% | -5.7% |
| Crescimento FCF (anual) | | -49.8% | -410.1% | +645.3% | -74.7% | +66.4% | -54.2% | -44.8% | +14.0% | -26.2% |
| Margem Bruta | 78.6% | 85.3% | 76.5% | 70.5% | 69.9% | 83.9% | 81.0% | 55.4% | 45.2% | 49.9% |
| Margem Operacional | 42.3% | 53.7% | 40.7% | 34.6% | 31.0% | 48.8% | 47.7% | 25.5% | 15.4% | 17.7% |
| Margem EBITDA | 44.1% | 56.4% | 45.2% | 38.8% | 36.1% | 57.0% | 53.5% | 29.6% | 19.4% | 20.5% |
| Margem Líquida | 24.8% | 29.3% | 31.8% | 24.5% | 21.5% | 34.3% | 33.6% | 18.0% | 11.5% | 13.4% |
| Margem FCF | 72.8% | 32.2% | -76.7% | 297.1% | 78.6% | 120.7% | 47.9% | 21.4% | 24.9% | 17.9% |
| Taxa Efetiva de Imposto | 41.4% | 45.4% | 21.9% | 29.1% | 30.6% | 29.7% | 29.6% | 29.5% | 25.3% | 24.2% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $4.09 | $1.84 | $-4.85 | $23.30 | $6.04 | $10.09 | $4.75 | $2.67 | $3.17 | $2.48 |
| Dividendo por Ação | $0.19 | $0.34 | $0.32 | $0.39 | $0.33 | $0.50 | $0.56 | $0.64 | $0.64 | $0.66 |
| Ações em Circulação (Básicas) | $12.8M | $14.1M | $17.2M | $20.0M | $19.8M | $19.4M | $19.1M | $19.0M | $18.1M | $17.0M |
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 | 7.94% |
| Retorno sobre capital investido | 0.98% |
| Retorno sobre ativos | 0.98% |
| Margem bruta | 54.45% |
| Margem operacional | 23.06% |
| Margem líquida | 17.26% |
Saúde financeira
| Dívida / Patrimônio | 0.60 |
| Liquidez corrente | 0.00 |
| Piotroski F-Score | 8 |
| Altman Z-Score | -0.59 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 15.67 | 15.12 | 8.25 | 10.80 | 9.27 | 8.97 | 6.19 | 8.50 | 13.94 | 11.22 |
| P/VP | 1.65 | 1.45 | 0.80 | 1.04 | 0.71 | 1.09 | 0.82 | 0.71 | 0.73 | 0.67 |
| P/V | 3.88 | 4.42 | 2.65 | 2.65 | 1.99 | 3.07 | 2.08 | 1.53 | 1.60 | 1.48 |
| Margem Bruta | 78.6% | 85.3% | 76.5% | 70.5% | 69.9% | 83.9% | 81.0% | 55.4% | 45.2% | 49.9% |
| Margem Operacional | 42.3% | 53.7% | 40.7% | 34.6% | 31.0% | 48.8% | 47.7% | 25.5% | 15.4% | 17.7% |
| Margem Líquida | 24.8% | 29.3% | 31.8% | 24.5% | 21.5% | 34.3% | 33.6% | 18.0% | 11.5% | 13.4% |