Demonstrações financeiras detalhadas de Southern Missouri Bancorp, Inc. (SMBC): 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
Southern Missouri Bancorp, Inc. registou receitas de $316.5M no último exercício, com um CAGR de 5 anos de 19.6%. O lucro líquido atingiu $71.8M, com CAGR de 5 anos de 8.8%.
Margens dos últimos 12 meses: margem bruta 61.7%, margem operacional 28.7%, margem líquida 23.2%. O fluxo de caixa livre cresceu a CAGR de -8.0% em 5 anos.
Ao preço atual de $72.52, SMBC negocia a um P/L de 11.16 e um ROE de 12.54%. A capitalização de mercado é de $799M.
Demonstração de Resultados (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $71.4M | $89.5M | $110.6M | $121.8M | $129.5M | $138.1M | $202.6M | $273.2M | $305.2M | $316.5M |
| Custo da Receita | $12.7M | $17.9M | $26.9M | $33.6M | $15.8M | $14.8M | $66.7M | $112.5M | $129.3M | $127.6M |
| Lucro Bruto | $58.7M | $71.7M | $83.7M | $88.2M | $113.8M | $123.3M | $135.9M | $160.7M | $176.1M | $189.0M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $21.8M | $29.7M | $28.2M | $38.0M | $32.9M | $37.9M | $50.1M | $57.8M | $60.2M | $70.3M |
| Despesas Operacionais | $37.1M | $42.9M | $47.7M | $53.8M | $54.0M | $63.4M | $86.4M | $97.6M | $102.1M | $101.8M |
| Lucro Operacional | $21.6M | $28.7M | $36.0M | $34.4M | $59.7M | $59.9M | $49.5M | $63.1M | $74.0M | $87.1M |
| EBITDA | $25.5M | $33.3M | $41.0M | $40.0M | $65.1M | $65.8M | $57.0M | $73.2M | $84.0M | $87.1M |
| Despesas com Juros | $10.4M | $14.8M | $24.7M | $26.9M | $16.8M | $13.3M | $49.7M | $108.9M | $122.7M | $116.1M |
| Lucro Antes de Impostos | $21.6M | $28.7M | $36.0M | $34.4M | $59.7M | $59.9M | $49.5M | $63.1M | $74.0M | $87.1M |
| Imposto | $6.1M | $7.8M | $7.0M | $6.9M | $12.5M | $12.7M | $10.2M | $12.9M | $15.4M | $15.3M |
| Lucro Líquido | $15.6M | $20.9M | $28.9M | $27.5M | $47.2M | $47.2M | $39.2M | $50.2M | $58.3M | $71.8M |
| LPA | $2.08 | $2.40 | $3.14 | $2.99 | $5.22 | $5.21 | $3.86 | $4.42 | $5.19 | $6.45 |
| LPA Diluído | $2.08 | $2.39 | $3.14 | $2.99 | $5.22 | $5.21 | $3.85 | $4.42 | $5.18 | $6.43 |
| Ações em Circulação (Diluídas) | $7.5M | $8.8M | $9.2M | $9.2M | $9.0M | $9.0M | $11.3M | $11.3M | $11.3M | $11.1M |
Balanço (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $31.5M | $28.3M | $36.4M | $55.2M | $124.6M | $91.6M | $55.2M | $61.4M | $193.1M | $91.0M |
| Investimentos de Curto Prazo | $144.4M | $146.3M | $165.5M | $176.5M | $207.0M | $235.4M | $417.6M | $427.9M | $460.8M | $450.8M |
| Contas a Receber | $6.8M | $8.0M | $10.2M | $12.1M | $10.1M | $11.1M | $18.9M | $23.8M | $4.05B | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $200.2M | $201.1M | $234.0M | $259.2M | $360.3M | $361.4M | $491.6M | $513.1M | $4.70B | $543.5M |
| Imobilizado | $54.2M | $54.8M | $62.7M | $65.1M | $64.1M | $71.3M | $92.4M | $96.0M | $96.0M | $93.2M |
| Ágio | $8.6M | $13.1M | $14.1M | $14.1M | $14.1M | $27.3M | $50.8M | $50.7M | $50.7M | 0 |
| Ativos Intangíveis | $6.8M | $6.9M | $9.2M | $7.7M | $7.1M | $8.2M | $30.5M | $26.5M | $23.0M | $70.6M |
| Ativos Totais | $1.71B | $1.89B | $2.21B | $2.54B | $2.70B | $3.21B | $4.36B | $4.60B | $5.02B | $5.23B |
| Contas a Pagar | $918000 | $1.2M | $2.1M | $1.6M | $779000 | $801000 | $4.7M | $12.9M | $14.2M | 0 |
| Dívida de Curto Prazo | $10.2M | $3.3M | $4.4M | 0 | 0 | 0 | 0 | $9.4M | $15.0M | $20.0M |
| Passivos Circulantes | $1.47B | $1.58B | $1.90B | $2.19B | $2.33B | $2.82B | $3.73B | $3.97B | $4.31B | $4.43B |
| Dívida de Longo Prazo | $61.5M | $94.6M | $63.0M | $85.2M | $72.8M | $61.0M | $156.6M | $125.2M | $127.3M | $146.2M |
| Passivos Totais | $1.53B | $1.69B | $1.98B | $2.28B | $2.42B | $2.89B | $3.91B | $4.12B | $4.47B | $4.64B |
| Reservas | $102.4M | $119.5M | $143.7M | $165.7M | $200.1M | $240.1M | $270.7M | $311.4M | $359.6M | $389.6M |
| Patrimônio Líquido | $173.1M | $200.7M | $238.4M | $258.3M | $283.4M | $320.8M | $446.1M | $488.7M | $544.7M | $590.7M |
| Dívida Total | $71.7M | $97.9M | $67.3M | $85.2M | $72.8M | $61.0M | $156.6M | $134.6M | $142.3M | $166.2M |
| Dívida Líquida | -$104.3M | -$76.7M | -$134.6M | -$146.6M | -$258.8M | -$265.9M | -$316.2M | -$354.7M | -$511.7M | -$375.6M |
| Capital de Giro | -$1.27B | -$1.38B | -$1.67B | -$1.93B | -$1.97B | -$2.45B | -$3.24B | -$3.45B | $391.5M | -$3.88B |
Fluxo de Caixa (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $15.6M | $20.9M | $28.9M | $27.5M | $47.2M | $47.2M | $39.2M | $50.2M | $58.6M | $71.8M |
| Depreciação e Amortização | $3.9M | $4.6M | $5.1M | $5.6M | $5.4M | $5.9M | $7.6M | $10.1M | $10.0M | 0 |
| Compensação em Ações | $510000 | $230000 | $374000 | $430000 | $550000 | $697000 | $839000 | $1.0M | $1.7M | 0 |
| Variação Capital de Giro | $4.1M | $5.2M | $6.4M | $3.6M | $4.6M | $13.5M | $3.0M | $12.4M | $12.1M | -$7.0M |
| Fluxo de Caixa Operacional | $25.6M | $30.6M | $38.6M | $40.3M | $51.8M | $67.3M | $62.0M | $70.3M | $81.6M | $32.3M |
| CapEx | -$3.0M | -$2.1M | -$7.7M | -$4.3M | -$2.9M | -$4.6M | -$6.0M | -$9.0M | -$6.3M | -$4.0M |
| Aquisições | -$1.7M | -$1.5M | -$8.4M | -$9.1M | 0 | $48.8M | $208.3M | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | -$1.2M | -$5.8M | -$8.3M | -$5.8M | 0 | -$3.9M | 0 | -$18.6M |
| Dividendos Pagos | -$3.0M | -$3.8M | -$4.8M | -$5.5M | -$5.6M | -$7.2M | -$8.6M | -$9.5M | -$10.4M | -$11.1M |
| Fluxo de Caixa Livre | $22.6M | $28.5M | $30.9M | $36.0M | $48.9M | $62.7M | $56.0M | $61.2M | $75.3M | $32.3M |
Crescimento e Margens (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +25.4% | +23.5% | +10.2% | +6.3% | +6.6% | +46.8% | +34.8% | +11.7% | +3.7% | |
| Crescimento Lucro Líquido (anual) | +34.6% | +38.1% | -4.7% | +71.3% | -0.0% | -16.8% | +27.9% | +16.2% | +23.2% | |
| Crescimento LPA (anual) | +15.4% | +30.8% | -4.8% | +74.6% | -0.2% | -25.9% | +14.5% | +17.4% | +24.3% | |
| Variação de Ações (anual) | +16.6% | +5.1% | -0.1% | -2.0% | +0.0% | +25.7% | -0.3% | -0.3% | -1.3% | |
| Crescimento FCF (anual) | +26.2% | +8.4% | +16.5% | +35.9% | +28.3% | -10.7% | +9.4% | +23.0% | -57.1% | |
| Margem Bruta | 82.2% | 80.1% | 75.7% | 72.4% | 87.8% | 89.3% | 67.1% | 58.8% | 57.7% | 59.7% |
| Margem Operacional | 30.3% | 32.1% | 32.5% | 28.3% | 46.1% | 43.4% | 24.4% | 23.1% | 24.2% | 27.5% |
| Margem EBITDA | 35.7% | 37.2% | 37.1% | 32.8% | 50.3% | 47.7% | 28.1% | 26.8% | 27.5% | 27.5% |
| Margem Líquida | 21.8% | 23.4% | 26.1% | 22.6% | 36.4% | 34.2% | 19.4% | 18.4% | 19.1% | 22.7% |
| Margem FCF | 31.6% | 31.8% | 27.9% | 29.6% | 37.8% | 45.4% | 27.6% | 22.4% | 24.7% | 10.2% |
| Taxa Efetiva de Imposto | 28.0% | 27.2% | 19.6% | 20.0% | 21.0% | 21.3% | 20.7% | 20.5% | 20.8% | 17.5% |
Dados por Ação (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $3.01 | $3.26 | $3.36 | $3.91 | $5.43 | $6.96 | $4.94 | $5.42 | $6.68 | $2.90 |
| Dividendo por Ação | $0.40 | $0.44 | $0.52 | $0.60 | $0.62 | $0.80 | $0.76 | $0.84 | $0.92 | $1.00 |
| Ações em Circulação (Básicas) | $7.5M | $8.7M | $9.2M | $9.2M | $9.0M | $9.0M | $11.3M | $11.3M | $11.2M | $11.1M |
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 | 12.54% |
| Retorno sobre capital investido | 11.71% |
| Retorno sobre ativos | 1.37% |
| Margem bruta | 61.66% |
| Margem operacional | 28.70% |
| Margem líquida | 23.23% |
Saúde financeira
| Dívida / Patrimônio | 0.25 |
| Liquidez corrente | 1.10 |
Índices Chave (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 15.51 | 16.26 | 10.53 | 8.13 | 8.61 | 8.69 | 9.96 | 10.04 | 10.55 | 11.82 |
| P/VP | 1.39 | 1.70 | 1.28 | 0.87 | 1.43 | 1.27 | 0.98 | 1.03 | 1.13 | 1.43 |
| P/V | 3.38 | 3.81 | 2.75 | 1.84 | 3.13 | 2.95 | 2.15 | 1.83 | 2.02 | 2.67 |
| Margem Bruta | 82.2% | 80.1% | 75.7% | 72.4% | 87.8% | 89.3% | 67.1% | 58.8% | 57.7% | 59.7% |
| Margem Operacional | 30.3% | 32.1% | 32.5% | 28.3% | 46.1% | 43.4% | 24.4% | 23.1% | 24.2% | 27.5% |
| Margem Líquida | 21.8% | 23.4% | 26.1% | 22.6% | 36.4% | 34.2% | 19.4% | 18.4% | 19.1% | 22.7% |
Empresas relacionadas: BCAL · CAC · CUBI · FCBC · GSBC · IBCP · MCBS
Explorar setor: Financial Services · Banks - Regional
Mais seções de SMBC: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
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