Demonstrações financeiras detalhadas de SB Financial Group, Inc. (SBFG): 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
SB Financial Group, Inc. registou receitas de $91.0M no último exercício, com um CAGR de 5 anos de 4.6%. O lucro líquido atingiu $14.0M, com CAGR de 5 anos de -1.3%.
Margens dos últimos 12 meses: margem bruta 71.2%, margem operacional 21.8%, margem líquida 17.7%. O fluxo de caixa livre cresceu a CAGR de -0.5% em 5 anos.
Ao preço atual de $29.32, SBFG negocia a um P/L de 10.94 e um ROE de 11.79%. A capitalização de mercado é de $184M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $46.9M | $49.7M | $56.1M | $62.4M | $72.7M | $72.6M | $62.8M | $75.9M | $81.4M | $91.0M |
| Custo da Receita | $3.9M | $4.5M | $6.8M | $10.4M | $11.2M | $5.1M | $5.2M | $19.2M | $24.6M | $26.8M |
| Lucro Bruto | $43.0M | $45.2M | $49.3M | $52.0M | $61.5M | $67.5M | $57.6M | $56.7M | $56.8M | $64.3M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $18.6M | $20.2M | $22.4M | $23.8M | $26.6M | $28.3M | $25.7M | $24.2M | $25.2M | $26.5M |
| Despesas Operacionais | $30.1M | $31.6M | $34.8M | $37.4M | $43.1M | $44.8M | $42.3M | $42.0M | $43.0M | $47.0M |
| Lucro Operacional | $12.9M | $13.6M | $14.4M | $14.6M | $18.4M | $22.7M | $15.3M | $14.7M | $13.9M | $17.3M |
| EBITDA | $15.8M | $16.3M | $17.4M | $18.6M | $25.2M | $28.9M | $19.3M | $18.3M | $17.4M | $19.5M |
| Despesas com Juros | $3.2M | $4.1M | $6.2M | $9.6M | $6.7M | $4.0M | $5.2M | $18.9M | $24.4M | $25.5M |
| Lucro Antes de Impostos | $12.9M | $13.6M | $14.4M | $14.6M | $18.4M | $22.7M | $15.3M | $14.7M | $13.9M | $17.3M |
| Imposto | $4.1M | $2.6M | $2.8M | $2.7M | $3.5M | $4.4M | $2.8M | $2.6M | $2.4M | $3.3M |
| Lucro Líquido | $8.8M | $11.1M | $11.6M | $12.0M | $14.9M | $18.3M | $12.5M | $12.1M | $11.5M | $14.0M |
| LPA | $1.52 | $2.00 | $1.64 | $1.62 | $1.87 | $2.45 | $1.79 | $1.77 | $1.72 | $2.19 |
| LPA Diluído | $1.31 | $1.66 | $1.44 | $1.44 | $1.87 | $2.44 | $1.77 | $1.75 | $1.72 | $2.19 |
| Ações em Circulação (Diluídas) | $6.7M | $6.7M | $8.1M | $8.3M | $8.0M | $7.5M | $7.0M | $6.9M | $6.7M | $6.4M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $17.0M | $26.6M | $48.4M | $27.1M | $146.5M | $152.2M | $29.9M | $24.5M | $27.5M | $72.7M |
| Investimentos de Curto Prazo | $90.1M | $82.8M | $91.0M | $100.9M | $149.4M | $263.3M | $238.8M | $219.7M | $171.8M | $73.5M |
| Contas a Receber | $1.5M | $1.8M | $2.8M | $3.1M | $3.8M | $2.9M | $4.1M | $4.7M | $4.9M | $5.5M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $108.7M | $111.2M | $142.2M | $131.1M | $299.7M | $418.3M | $272.8M | $248.9M | $204.2M | $151.7M |
| Imobilizado | $19.1M | $21.3M | $22.1M | $23.4M | $23.6M | $23.2M | $22.8M | $21.4M | $20.5M | $21.7M |
| Ágio | $16.4M | $16.4M | $16.4M | $17.8M | $22.1M | $23.2M | $23.2M | $23.2M | $23.2M | $27.2M |
| Ativos Intangíveis | $8.4M | $9.9M | $11.4M | $11.0M | $7.8M | $12.0M | $13.5M | $13.9M | $14.9M | $15.3M |
| Ativos Totais | $816.0M | $876.6M | $985.9M | $1.04B | $1.26B | $1.33B | $1.34B | $1.34B | $1.38B | $1.55B |
| Contas a Pagar | $408000 | $592000 | $909000 | $1.2M | $616000 | $299000 | $769000 | $2.4M | $2.4M | $2.5M |
| Dívida de Curto Prazo | $10.5M | $15.1M | $15.2M | $12.9M | $20.2M | $15.3M | $14.9M | $13.4M | $10.6M | $9.2M |
| Passivos Circulantes | $684.0M | $745.3M | $818.6M | $854.4M | $1.07B | $1.13B | $1.10B | $1.09B | $1.17B | $1.32B |
| Dívida de Longo Prazo | $26.5M | $18.5M | $16.0M | $16.0M | $8.0M | $25.0M | $79.6M | $103.2M | $54.7M | $54.7M |
| Passivos Totais | $729.5M | $782.6M | $855.5M | $902.5M | $1.11B | $1.19B | $1.22B | $1.22B | $1.25B | $1.40B |
| Reservas | $46.7M | $55.4M | $64.0M | $72.7M | $84.6M | $99.7M | $102.0M | $108.5M | $116.2M | $126.3M |
| Patrimônio Líquido | $86.5M | $94.0M | $130.4M | $136.1M | $142.9M | $144.9M | $118.4M | $124.3M | $127.5M | $141.2M |
| Dívida Total | $37.0M | $33.6M | $31.2M | $28.9M | $28.2M | $40.4M | $94.5M | $116.6M | $65.3M | $64.0M |
| Dívida Líquida | -$70.1M | -$75.8M | -$108.1M | -$99.1M | -$267.7M | -$375.0M | -$174.2M | -$127.6M | -$134.0M | -$82.2M |
| Capital de Giro | -$575.4M | -$634.0M | -$676.5M | -$723.2M | -$770.1M | -$710.3M | -$829.5M | -$837.2M | -$961.4M | -$1.17B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $8.8M | $11.1M | $11.6M | $12.0M | $14.9M | $18.3M | $12.5M | $12.1M | $11.5M | $14.0M |
| Depreciação e Amortização | $2.9M | $2.7M | $2.9M | $4.0M | $6.7M | $6.2M | $4.0M | $3.6M | $3.6M | $4.2M |
| Compensação em Ações | $114000 | $303000 | $278000 | $417000 | $382000 | $443000 | $568000 | $576000 | $637000 | $536000 |
| Variação Capital de Giro | -$172000 | -$1.1M | $1.3M | $6.7M | $716000 | -$3.9M | $2.7M | -$1.4M | -$2.3M | $844000 |
| Fluxo de Caixa Operacional | $14.0M | $9.8M | $13.8M | $18.8M | $23.9M | $17.3M | $25.6M | $14.0M | $9.5M | $24.0M |
| CapEx | -$1.6M | -$3.7M | -$2.0M | -$2.0M | -$2.0M | -$2.4M | -$1.9M | -$958000 | -$1.2M | -$2.6M |
| Aquisições | 0 | 0 | 0 | -$2.6M | $16.3M | -$1.1M | 0 | 0 | 0 | -$3.0M |
| Recompra de Ações | -$1.2M | -$1.8M | -$109000 | -$5.1M | -$7.2M | -$9.5M | -$5.9M | -$3.5M | -$4.8M | -$5.7M |
| Dividendos Pagos | -$2.2M | -$2.3M | -$3.1M | -$3.3M | -$3.1M | -$3.1M | -$3.4M | -$3.6M | -$3.8M | -$3.8M |
| Fluxo de Caixa Livre | $12.4M | $6.1M | $11.9M | $16.8M | $21.9M | $14.8M | $23.7M | $13.0M | $8.2M | $21.4M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +5.9% | +12.9% | +11.3% | +16.5% | -0.2% | -13.5% | +20.8% | +7.2% | +11.9% | |
| Crescimento Lucro Líquido (anual) | +26.0% | +5.2% | +2.9% | +24.8% | +22.3% | -31.5% | -3.4% | -5.2% | +21.8% | |
| Crescimento LPA (anual) | +31.6% | -18.0% | -1.2% | +15.4% | +31.0% | -26.9% | -1.1% | -2.8% | +27.3% | |
| Variação de Ações (anual) | -0.4% | +21.5% | +2.8% | -3.8% | -6.6% | -5.9% | -1.8% | -3.4% | -4.4% | |
| Crescimento FCF (anual) | -50.9% | +94.6% | +41.6% | +30.6% | -32.4% | +59.6% | -45.0% | -36.9% | +160.7% | |
| Margem Bruta | 91.6% | 91.0% | 87.9% | 83.4% | 84.6% | 93.0% | 91.8% | 74.7% | 69.8% | 70.6% |
| Margem Operacional | 27.5% | 27.4% | 25.7% | 23.4% | 25.4% | 31.3% | 24.4% | 19.4% | 17.0% | 19.0% |
| Margem EBITDA | 33.6% | 32.9% | 31.0% | 29.9% | 34.6% | 39.9% | 30.8% | 24.1% | 21.4% | 21.4% |
| Margem Líquida | 18.7% | 22.3% | 20.7% | 19.2% | 20.5% | 25.2% | 19.9% | 15.9% | 14.1% | 15.4% |
| Margem FCF | 26.4% | 12.3% | 21.1% | 26.9% | 30.1% | 20.4% | 37.7% | 17.2% | 10.1% | 23.6% |
| Taxa Efetiva de Imposto | 31.9% | 18.8% | 19.4% | 18.2% | 19.0% | 19.6% | 18.2% | 17.8% | 17.2% | 19.0% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $1.85 | $0.91 | $1.46 | $2.01 | $2.74 | $1.98 | $3.36 | $1.88 | $1.23 | $3.36 |
| Dividendo por Ação | $0.32 | $0.35 | $0.38 | $0.39 | $0.38 | $0.42 | $0.48 | $0.52 | $0.56 | $0.60 |
| Ações em Circulação (Básicas) | $5.1M | $5.1M | $6.5M | $6.8M | $8.0M | $7.4M | $7.0M | $6.8M | $6.7M | $6.4M |
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 | 11.79% |
| Retorno sobre capital investido | 1.03% |
| Retorno sobre ativos | 1.03% |
| Margem bruta | 71.19% |
| Margem operacional | 21.85% |
| Margem líquida | 17.67% |
Saúde financeira
| Dívida / Patrimônio | 0.40 |
| Liquidez corrente | 21.33 |
| Piotroski F-Score | 8 |
| Altman Z-Score | -0.64 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 10.06 | 8.80 | 9.55 | 11.57 | 9.31 | 7.64 | 9.47 | 8.67 | 12.16 | 10.17 |
| P/VP | 0.90 | 0.95 | 0.78 | 0.93 | 0.97 | 0.96 | 1.00 | 0.84 | 1.09 | 1.00 |
| P/V | 1.67 | 1.79 | 1.82 | 2.04 | 1.91 | 1.92 | 1.89 | 1.38 | 1.71 | 1.56 |
| Margem Bruta | 91.6% | 91.0% | 87.9% | 83.4% | 84.6% | 93.0% | 91.8% | 74.7% | 69.8% | 70.6% |
| Margem Operacional | 27.5% | 27.4% | 25.7% | 23.4% | 25.4% | 31.3% | 24.4% | 19.4% | 17.0% | 19.0% |
| Margem Líquida | 18.7% | 22.3% | 20.7% | 19.2% | 20.5% | 25.2% | 19.9% | 15.9% | 14.1% | 15.4% |
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Explorar setor: Financial Services · Banks - Regional
Mais seções de SBFG: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
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