Demonstrações financeiras detalhadas de Southside Bancshares, Inc. (SBSI): 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
Southside Bancshares, Inc. registou receitas de $419.0M no último exercício, com um CAGR de 5 anos de 8.3%. O lucro líquido atingiu $69.2M, com CAGR de 5 anos de -3.4%.
Margens dos últimos 12 meses: margem bruta 49.6%, margem operacional 19.9%, margem líquida 16.6%. O fluxo de caixa livre cresceu a CAGR de -1.5% em 5 anos.
Ao preço atual de $31.70, SBSI negocia a um P/L de 12.48 e um ROE de 8.89%. A capitalização de mercado é de $943M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $205.2M | $221.1M | $268.8M | $282.3M | $281.6M | $265.3M | $293.8M | $395.6M | $456.1M | $419.0M |
| Custo da Receita | $39.1M | $48.2M | $65.5M | $76.1M | $64.8M | $9.5M | $43.9M | $153.9M | $201.6M | $185.0M |
| Lucro Bruto | $166.1M | $172.9M | $203.3M | $206.2M | $216.8M | $255.9M | $250.0M | $241.7M | $254.5M | $234.0M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $71.3M | $69.7M | $81.3M | $84.0M | $80.5M | $84.1M | $88.0M | $93.3M | $97.4M | $98.0M |
| Despesas Operacionais | $106.4M | $102.4M | $119.0M | $118.4M | $123.3M | $125.0M | $130.3M | $140.6M | $147.1M | $151.4M |
| Lucro Operacional | $59.7M | $70.4M | $84.3M | $87.8M | $93.5M | $130.8M | $119.6M | $101.1M | $107.4M | $82.6M |
| EBITDA | $68.8M | $80.6M | $98.3M | $99.9M | $105.6M | $142.2M | $130.7M | $111.7M | $117.8M | $82.8M |
| Despesas com Juros | $29.3M | $43.5M | $57.1M | $71.0M | $44.6M | $26.4M | $40.6M | $144.7M | $198.2M | $182.0M |
| Lucro Antes de Impostos | $59.7M | $70.4M | $84.3M | $87.8M | $93.5M | $130.8M | $119.6M | $101.1M | $107.4M | $82.6M |
| Imposto | $10.3M | $16.1M | $10.2M | $13.2M | $11.3M | $17.4M | $14.6M | $14.4M | $18.9M | $13.4M |
| Lucro Líquido | $49.3M | $54.3M | $74.1M | $74.6M | $82.2M | $113.4M | $105.0M | $86.7M | $88.5M | $69.2M |
| LPA | $1.81 | $1.82 | $2.12 | $2.21 | $2.47 | $3.48 | $3.27 | $2.82 | $2.92 | $2.30 |
| LPA Diluído | $1.81 | $1.81 | $2.11 | $2.20 | $2.47 | $3.47 | $3.26 | $2.82 | $2.92 | $2.29 |
| Ações em Circulação (Diluídas) | $27.2M | $30.0M | $35.1M | $33.9M | $33.3M | $32.7M | $32.3M | $30.8M | $30.4M | $30.2M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $161.6M | $190.7M | $126.5M | $130.7M | $108.4M | $201.8M | $115.4M | $513.7M | $373.4M | $384.0M |
| Investimentos de Curto Prazo | $1.48B | $1.54B | $1.99B | $2.36B | $2.59B | $2.76B | $1.30B | $1.30B | $1.11B | $1.26B |
| Contas a Receber | $25.2M | $28.5M | $27.3M | $28.5M | $38.7M | $39.1M | $49.4M | $50.5M | $46.7M | $41.8M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.67B | $1.76B | $2.14B | $2.52B | $2.73B | $3.01B | $1.46B | $1.86B | $1.53B | $1.69B |
| Imobilizado | $106.0M | $133.6M | $136.0M | $153.7M | $159.6M | $157.6M | $156.6M | $153.8M | $155.5M | $164.7M |
| Ágio | $91.5M | $201.2M | $201.1M | $201.1M | $201.1M | $201.1M | $201.1M | $201.1M | $201.1M | $201.1M |
| Ativos Intangíveis | $4.6M | $23.0M | $17.8M | $13.4M | $9.7M | $6.9M | $4.6M | $2.9M | $1.8M | $1.0M |
| Ativos Totais | $5.56B | $6.50B | $6.12B | $6.75B | $7.01B | $7.26B | $7.56B | $8.28B | $8.52B | $8.51B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $873.6M | $9.5M | $36.8M | $28.4M | 0 | 0 | 0 | 0 | $76.4M | $419.1M |
| Passivos Circulantes | $4.41B | $4.52B | $4.46B | $4.73B | $4.93B | $5.72B | $6.20B | $6.55B | $6.73B | $7.28B |
| Dívida de Longo Prazo | $1.47B | $1.18B | $877.7M | $1.16B | $1.11B | $526.1M | $533.5M | $876.6M | $884.2M | $300.6M |
| Passivos Totais | $5.05B | $5.74B | $5.39B | $5.94B | $6.13B | $6.35B | $6.81B | $7.51B | $7.71B | $7.67B |
| Reservas | $30.1M | $32.9M | $64.8M | $80.3M | $111.2M | $179.8M | $239.6M | $282.4M | $326.8M | $352.2M |
| Patrimônio Líquido | $518.3M | $754.1M | $731.3M | $804.6M | $875.3M | $912.2M | $746.0M | $773.3M | $811.9M | $847.6M |
| Dívida Total | $2.34B | $1.18B | $914.5M | $1.20B | $1.13B | $542.7M | $550.5M | $893.3M | $976.4M | $734.1M |
| Dívida Líquida | $700.4M | -$553.6M | -$1.20B | -$1.29B | -$1.57B | -$2.42B | -$863.9M | -$916.7M | -$508.4M | -$912.0M |
| Capital de Giro | -$2.74B | -$2.77B | -$2.32B | -$2.21B | -$2.20B | -$2.72B | -$4.73B | -$4.69B | -$5.20B | -$5.60B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $49.3M | $54.3M | $74.1M | $74.6M | $82.2M | $113.4M | $105.0M | $86.7M | $88.5M | $69.2M |
| Depreciação e Amortização | $9.1M | $10.2M | $14.0M | $12.1M | $12.1M | $11.4M | $11.1M | $10.6M | $10.5M | $10.6M |
| Compensação em Ações | $1.5M | $1.8M | $2.3M | $2.4M | $3.0M | $3.0M | $3.2M | $3.6M | $3.5M | $3.0M |
| Variação Capital de Giro | $5.2M | -$4.5M | $1.7M | -$26.3M | -$35.5M | $19.1M | $80.4M | -$41.4M | -$16.0M | -$35.9M |
| Fluxo de Caixa Operacional | $86.7M | $91.7M | $122.4M | $80.6M | $90.5M | $156.1M | $226.5M | $79.9M | $101.8M | $93.8M |
| CapEx | -$6.5M | -$9.6M | -$13.4M | -$15.9M | -$11.4M | -$8.4M | -$9.3M | -$6.9M | -$11.2M | -$20.3M |
| Aquisições | 0 | $91.7M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$10.2M | 0 | -$47.2M | -$2.2M | -$31.0M | -$34.1M | -$33.7M | -$44.8M | -$1.5M | -$23.2M |
| Dividendos Pagos | -$26.0M | -$32.2M | -$42.0M | -$42.5M | -$43.2M | -$44.6M | -$44.9M | -$43.6M | -$43.6M | -$43.4M |
| Fluxo de Caixa Livre | $80.2M | $82.1M | $109.0M | $64.7M | $79.1M | $147.7M | $217.2M | $73.0M | $90.7M | $73.5M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +7.7% | +21.6% | +5.0% | -0.2% | -5.8% | +10.7% | +34.6% | +15.3% | -8.1% | |
| Crescimento Lucro Líquido (anual) | +10.1% | +36.5% | +0.6% | +10.2% | +38.0% | -7.4% | -17.5% | +2.1% | -21.8% | |
| Crescimento LPA (anual) | +0.6% | +16.5% | +4.2% | +11.8% | +40.9% | -6.0% | -13.8% | +3.5% | -21.2% | |
| Variação de Ações (anual) | +10.3% | +16.9% | -3.5% | -1.8% | -1.8% | -1.3% | -4.6% | -1.3% | -0.5% | |
| Crescimento FCF (anual) | +2.4% | +32.7% | -40.6% | +22.2% | +86.8% | +47.0% | -66.4% | +24.3% | -19.0% | |
| Margem Bruta | 80.9% | 78.2% | 75.6% | 73.0% | 77.0% | 96.4% | 85.1% | 61.1% | 55.8% | 55.8% |
| Margem Operacional | 29.1% | 31.9% | 31.4% | 31.1% | 33.2% | 49.3% | 40.7% | 25.6% | 23.5% | 19.7% |
| Margem EBITDA | 33.5% | 36.5% | 36.6% | 35.4% | 37.5% | 53.6% | 44.5% | 28.2% | 25.8% | 19.8% |
| Margem Líquida | 24.1% | 24.6% | 27.6% | 26.4% | 29.2% | 42.7% | 35.7% | 21.9% | 19.4% | 16.5% |
| Margem FCF | 39.1% | 37.1% | 40.5% | 22.9% | 28.1% | 55.7% | 73.9% | 18.4% | 19.9% | 17.5% |
| Taxa Efetiva de Imposto | 17.3% | 22.9% | 12.1% | 15.1% | 12.1% | 13.3% | 12.2% | 14.3% | 17.6% | 16.2% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $2.94 | $2.73 | $3.10 | $1.91 | $2.38 | $4.52 | $6.74 | $2.37 | $2.99 | $2.43 |
| Dividendo por Ação | $0.95 | $1.07 | $1.20 | $1.25 | $1.30 | $1.36 | $1.39 | $1.42 | $1.44 | $1.43 |
| Ações em Circulação (Básicas) | $27.2M | $29.8M | $35.0M | $33.7M | $33.2M | $32.6M | $32.1M | $30.7M | $30.3M | $30.1M |
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 | 8.89% |
| Retorno sobre capital investido | 2.93% |
| Retorno sobre ativos | 0.87% |
| Margem bruta | 49.65% |
| Margem operacional | 19.86% |
| Margem líquida | 16.61% |
Saúde financeira
| Dívida / Patrimônio | 1.86 |
| Liquidez corrente | 0.27 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.58 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 20.33 | 18.51 | 14.98 | 16.81 | 12.56 | 12.02 | 11.01 | 11.11 | 10.88 | 13.21 |
| P/VP | 1.93 | 1.33 | 1.52 | 1.56 | 1.18 | 1.49 | 1.55 | 1.24 | 1.18 | 1.08 |
| P/V | 4.89 | 4.55 | 4.13 | 4.44 | 3.66 | 5.13 | 3.93 | 2.43 | 2.11 | 2.19 |
| Margem Bruta | 80.9% | 78.2% | 75.6% | 73.0% | 77.0% | 96.4% | 85.1% | 61.1% | 55.8% | 55.8% |
| Margem Operacional | 29.1% | 31.9% | 31.4% | 31.1% | 33.2% | 49.3% | 40.7% | 25.6% | 23.5% | 19.7% |
| Margem Líquida | 24.1% | 24.6% | 27.6% | 26.4% | 29.2% | 42.7% | 35.7% | 21.9% | 19.4% | 16.5% |
Empresas relacionadas: AMAL · BHRB · CFFN · CPF · FMBH · FSUN · HAFC
Explorar setor: Financial Services · Banks - Regional
Mais seções de SBSI: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
Descubra mais: Radar — sinais de ações subvalorizadas · Academia de Investimento — aprenda a analisar ações