Banco Pine（PINE4）株式概要バンコ・パインS.A.はブラジルとケイマン諸島のグランドケイマンで銀行商品とサービスを提供している。 詳細PINE4 ファンダメンタル分析スノーフレーク・スコア評価6/6将来の成長4/6過去の実績4/6財務の健全性5/6配当金3/6報酬当社が推定した公正価値より55.1%で取引されている 収益は年間12.62%増加すると予測されています 過去1年間で収益は93.5%増加しました 同業他社や業界と比較して、良好な取引価格 アナリストらは、株価が58.7%上昇するだろうとほぼ一致している。 リスク分析不安定な配当実績 BR市場と比較した過去 3 か月間の株価の変動すべてのリスクチェックを見るPINE4 Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair ValueR$Current PriceR$12.537.5% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-258m4b2016201920222025202620282031Revenue R$4.0bEarnings R$1.5bAdvancedSet Fair ValueView all narrativesBanco Pine S.A. 競合他社Banco BMGSymbol: BOVESPA:BMGB4Market cap: R$3.2bBanco Mercantil do BrasilSymbol: BOVESPA:BMEB4Market cap: R$7.7bBanco ABC BrasilSymbol: BOVESPA:ABCB4Market cap: R$5.8bBanco do Estado do Rio Grande do SulSymbol: BOVESPA:BRSR6Market cap: R$6.5b価格と性能株価の高値、安値、推移の概要Banco Pine過去の株価現在の株価R$12.5352週高値R$16.2452週安値R$5.48ベータ0.511ヶ月の変化-11.32%3ヶ月変化8.30%1年変化109.18%3年間の変化357.30%5年間の変化309.48%IPOからの変化-14.22%最新ニュースValuation Update With 7 Day Price Move • Jun 02Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to R$12.73, the stock trades at a trailing P/E ratio of 5.8x. Average forward P/E is 6x in the Banks industry in Brazil. Total returns to shareholders of 487% over the past three years.Reported Earnings • May 11First quarter 2026 earnings releasedFirst quarter 2026 results: Revenue: R$494.2m (up 101% from 1Q 2025). Net income: R$149.9m (up 104% from 1Q 2025). Profit margin: 30% (in line with 1Q 2025). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in Brazil.お知らせ • Mar 31Banco Pine S.A., Annual General Meeting, Apr 30, 2026Banco Pine S.A., Annual General Meeting, Apr 30, 2026. Location: avenida presidente juscelino kubitschek, n 1830 bloco 4 andar condominioedificiosao luiz, vila nova conceicao, city and state of sao paulo, BrazilValuation Update With 7 Day Price Move • Mar 04Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to R$11.19, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 7x in the Banks industry in Brazil. Total returns to shareholders of 683% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at R$17.94 per share.New Risk • Feb 24New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Brazilian stocks, typically moving 6.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.3% average weekly change).Buy Or Sell Opportunity • Feb 01Now 22% undervaluedOver the last 90 days, the stock has risen 45% to R$13.37. The fair value is estimated to be R$17.09, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 42% over the last 3 years. Earnings per share has grown by 56%. For the next 3 years, revenue is forecast to grow by 32% per annum. Earnings are also forecast to grow by 16% per annum over the same time period.最新情報をもっと見るRecent updatesValuation Update With 7 Day Price Move • Jun 02Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to R$12.73, the stock trades at a trailing P/E ratio of 5.8x. Average forward P/E is 6x in the Banks industry in Brazil. Total returns to shareholders of 487% over the past three years.Reported Earnings • May 11First quarter 2026 earnings releasedFirst quarter 2026 results: Revenue: R$494.2m (up 101% from 1Q 2025). Net income: R$149.9m (up 104% from 1Q 2025). Profit margin: 30% (in line with 1Q 2025). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in Brazil.お知らせ • Mar 31Banco Pine S.A., Annual General Meeting, Apr 30, 2026Banco Pine S.A., Annual General Meeting, Apr 30, 2026. Location: avenida presidente juscelino kubitschek, n 1830 bloco 4 andar condominioedificiosao luiz, vila nova conceicao, city and state of sao paulo, BrazilValuation Update With 7 Day Price Move • Mar 04Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to R$11.19, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 7x in the Banks industry in Brazil. Total returns to shareholders of 683% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at R$17.94 per share.New Risk • Feb 24New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Brazilian stocks, typically moving 6.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.3% average weekly change).Buy Or Sell Opportunity • Feb 01Now 22% undervaluedOver the last 90 days, the stock has risen 45% to R$13.37. The fair value is estimated to be R$17.09, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 42% over the last 3 years. Earnings per share has grown by 56%. For the next 3 years, revenue is forecast to grow by 32% per annum. Earnings are also forecast to grow by 16% per annum over the same time period.Upcoming Dividend • Oct 14Upcoming dividend of R$0.10 per shareEligible shareholders must have bought the stock before 21 October 2025. Payment date: 29 October 2025. Payout ratio is a comfortable 41% but the company is not cash flow positive. Trailing yield: 5.7%. Lower than top quartile of Brazilian dividend payers (9.6%). Lower than average of industry peers (7.6%).Valuation Update With 7 Day Price Move • Sep 15Investor sentiment improves as stock rises 19%After last week's 19% share price gain to R$8.00, the stock trades at a trailing P/E ratio of 6.3x. Average trailing P/E is 7x in the Banks industry in Brazil. Total returns to shareholders of 539% over the past three years.Reported Earnings • Aug 14Second quarter 2025 earnings released: EPS: R$0.36 (vs R$0.31 in 2Q 2024)Second quarter 2025 results: EPS: R$0.36 (up from R$0.31 in 2Q 2024). Revenue: R$254.6m (up 68% from 2Q 2024). Net income: R$83.0m (up 30% from 2Q 2024). Profit margin: 33% (down from 42% in 2Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 56% per year but the company’s share price has increased by 69% per year, which means it is tracking significantly ahead of earnings growth.Upcoming Dividend • Jul 10Upcoming dividend of R$0.11 per shareEligible shareholders must have bought the stock before 17 July 2025. Payment date: 25 July 2025. Payout ratio is a comfortable 42% but the company is not cash flow positive. Trailing yield: 8.2%. Lower than top quartile of Brazilian dividend payers (9.0%). In line with average of industry peers (7.6%).Valuation Update With 7 Day Price Move • Jun 13Investor sentiment improves as stock rises 16%After last week's 16% share price gain to R$5.99, the stock trades at a trailing P/E ratio of 5x. Average trailing P/E is 6x in the Banks industry in Brazil. Total returns to shareholders of 614% over the past three years.Reported Earnings • May 19First quarter 2025 earnings releasedFirst quarter 2025 results: Revenue: R$246.0m (up 54% from 1Q 2024). Net income: R$73.5m (up 17% from 1Q 2024). Profit margin: 30% (down from 39% in 1Q 2024). The decrease in margin was driven by higher expenses.Valuation Update With 7 Day Price Move • Apr 29Investor sentiment improves as stock rises 15%After last week's 15% share price gain to R$5.05, the stock trades at a trailing P/E ratio of 4.4x. Average trailing P/E is 6x in the Banks industry in Brazil. Total returns to shareholders of 376% over the past three years.お知らせ • Mar 03Banco Pine S.A., Annual General Meeting, Apr 04, 2025Banco Pine S.A., Annual General Meeting, Apr 04, 2025. Location: avenida presidente juscelino kubitschek1830, bloco 4 - 6 andar - condominioedificio sao luiz, vila nova conceicao., state of sao paulo., sao paulo. BrazilReported Earnings • Feb 13Full year 2024 earnings released: EPS: R$1.25 (vs R$0.99 in FY 2023)Full year 2024 results: EPS: R$1.25 (up from R$0.99 in FY 2023). Revenue: R$755.0m (up 35% from FY 2023). Net income: R$258.2m (up 43% from FY 2023). Profit margin: 34% (up from 32% in FY 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 79% per year but the company’s share price has only increased by 35% per year, which means it is significantly lagging earnings growth.Reported Earnings • Nov 19Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: R$148.1m (down 14% from 3Q 2023). Net income: R$64.3m (up 42% from 3Q 2023). Profit margin: 44% (up from 26% in 3Q 2023). The increase in margin was driven by lower expenses.Reported Earnings • Aug 16Second quarter 2024 earnings released: EPS: R$0.31 (vs R$0.23 in 2Q 2023)Second quarter 2024 results: EPS: R$0.31 (up from R$0.23 in 2Q 2023). Revenue: R$151.8m (down 31% from 2Q 2023). Net income: R$63.8m (up 49% from 2Q 2023). Profit margin: 42% (up from 20% in 2Q 2023). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 108% per year but the company’s share price has only increased by 23% per year, which means it is significantly lagging earnings growth.New Risk • Jul 17New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 144% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (144% increase in shares outstanding). Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.New Risk • Jun 21New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 144% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (144% increase in shares outstanding). Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.Reported Earnings • May 08First quarter 2024 earnings releasedFirst quarter 2024 results: Revenue: R$159.8m (up 56% from 1Q 2023). Net income: R$63.0m (up 106% from 1Q 2023). Profit margin: 39% (up from 30% in 1Q 2023). The increase in margin was driven by higher revenue.New Risk • Feb 18New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Brazilian stocks, typically moving 8.0% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (8.0% average weekly change). Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.お知らせ • Feb 11Banco Pine S.A., Annual General Meeting, Apr 04, 2024Banco Pine S.A., Annual General Meeting, Apr 04, 2024.Reported Earnings • Feb 08Full year 2023 earnings released: EPS: R$0.99 (vs R$0.22 in FY 2022)Full year 2023 results: EPS: R$0.99 (up from R$0.22 in FY 2022). Revenue: R$559.2m (up 130% from FY 2022). Net income: R$180.9m (up 342% from FY 2022). Profit margin: 32% (up from 17% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 123% per year but the company’s share price has only increased by 24% per year, which means it is significantly lagging earnings growth.New Risk • Jan 18New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Brazilian stocks, typically moving 7.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (7.0% average weekly change).Upcoming Dividend • Jan 02Upcoming dividend of R$0.23 per share at 4.6% yieldEligible shareholders must have bought the stock before 09 January 2024. Payment date: 15 January 2024. Payout ratio is a comfortable 21% but the company is not cash flow positive. Trailing yield: 4.6%. Lower than top quartile of Brazilian dividend payers (7.7%). In line with average of industry peers (4.3%).お知らせ • Dec 14+ 3 more updatesBanco Pine S.A. to Report Q4, 2023 Results on Feb 08, 2024Banco Pine S.A. announced that they will report Q4, 2023 results Pre-Market on Feb 08, 2024Reported Earnings • Nov 19Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: R$172.1m (up 75% from 3Q 2022). Net income: R$45.2m (up 202% from 3Q 2022). Profit margin: 26% (up from 15% in 3Q 2022). The increase in margin was driven by higher revenue.Reported Earnings • Aug 11Second quarter 2023 earnings releasedSecond quarter 2023 results: Revenue: R$219.1m (up 238% from 2Q 2022). Net income: R$42.8m (up 248% from 2Q 2022). Profit margin: 20% (in line with 2Q 2022).Valuation Update With 7 Day Price Move • Aug 10Investor sentiment improves as stock rises 25%After last week's 25% share price gain to R$4.36, the stock trades at a trailing P/E ratio of 11.5x. Average trailing P/E is 9x in the Banks industry in Brazil. Total returns to shareholders of 56% over the past three years.New Risk • Jul 31New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: R$460.3m (US$97.3m) This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (11% average weekly change). Minor Risks Shareholders have been diluted in the past year (24% increase in shares outstanding). Market cap is less than US$100m (R$460.3m market cap, or US$97.3m).Upcoming Dividend • Jul 25Upcoming dividend of R$0.10 per shareEligible shareholders must have bought the stock before 01 August 2023. Payment date: 10 August 2023. The company last paid an ordinary dividend in October 2012. The average dividend yield among industry peers is 4.8%.Valuation Update With 7 Day Price Move • Jul 05Investor sentiment improves as stock rises 15%After last week's 15% share price gain to R$3.06, the stock trades at a trailing P/E ratio of 8.1x. Average trailing P/E is 9x in the Banks industry in Brazil. Total returns to shareholders of 5.9% over the past three years.New Risk • Jul 04New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Brazilian stocks, typically moving 9.9% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (9.9% average weekly change). High level of non-cash earnings (24% accrual ratio). Minor Risk Shareholders have been diluted in the past year (24% increase in shares outstanding).New Risk • Jun 30New major risk - Earnings qualityThe company has a high level of non-cash earnings. Accrual ratio: 24% This is considered a major risk. Non-cash earnings can arise from many different things. However, if a company consistently has a high level of non-cash earnings, it may be a sign that they are recognizing revenue from customers before the full value of the sales are received as cash or they are not depreciating the value of their assets appropriately. These are practices that inflate earnings, while not providing a similar increase to cash flows. Companies in some select industries naturally have a high level of non-cash earnings and it is not a major concern. However, in the worst case scenario it can be an early sign of performance manipulation by management. Currently, the following risks have been identified for the company: Major Risk High level of non-cash earnings (24% accrual ratio). Minor Risks Share price has been volatile over the past 3 months (9.6% average weekly change). Shareholders have been diluted in the past year (24% increase in shares outstanding).Valuation Update With 7 Day Price Move • May 26Investor sentiment improves as stock rises 36%After last week's 36% share price gain to R$2.59, the stock trades at a trailing P/E ratio of 6.9x. Average trailing P/E is 7x in the Banks industry in Brazil. Total loss to shareholders of 2.2% over the past three years.Valuation Update With 7 Day Price Move • May 10Investor sentiment improves as stock rises 26%After last week's 26% share price gain to R$1.77, the stock trades at a trailing P/E ratio of 8.1x. Average trailing P/E is 7x in the Banks industry in Brazil. Total loss to shareholders of 28% over the past three years.Reported Earnings • Feb 10Full year 2022 earnings released: EPS: R$0.22 (vs R$0.04 in FY 2021)Full year 2022 results: EPS: R$0.22 (up from R$0.04 in FY 2021). Revenue: R$242.7m (up 17% from FY 2021). Net income: R$40.9m (up R$35.0m from FY 2021). Profit margin: 17% (up from 2.9% in FY 2021). Over the last 3 years on average, earnings per share has increased by 97% per year but the company’s share price has fallen by 25% per year, which means it is significantly lagging earnings.お知らせ • Dec 10Banco Pine S.A. to Report Q4, 2022 Results on Feb 06, 2023Banco Pine S.A. announced that they will report Q4, 2022 results on Feb 06, 2023お知らせ • Dec 09Banco Pine S.A., Annual General Meeting, Mar 17, 2023Banco Pine S.A., Annual General Meeting, Mar 17, 2023.Board Change • Nov 16Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 4 non-independent directors. Independent Director Sérgio Machado De Castro was the last independent director to join the board, commencing their role in 2018. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Valuation Update With 7 Day Price Move • Sep 06Investor sentiment improved over the past weekAfter last week's 22% share price gain to R$1.50, the stock trades at a trailing P/E ratio of 26.8x. Average trailing P/E is 7x in the Banks industry in Brazil. Total loss to shareholders of 53% over the past three years.Valuation Update With 7 Day Price Move • Jul 25Investor sentiment improved over the past weekAfter last week's 20% share price gain to R$1.20, the stock trades at a trailing P/E ratio of 24.6x. Average trailing P/E is 7x in the Banks industry in Brazil. Total loss to shareholders of 52% over the past three years.Reported Earnings • May 16First quarter 2022 earnings released: EPS: R$0.012 (vs R$0.004 in 1Q 2021)First quarter 2022 results: EPS: R$0.012 (up from R$0.004 in 1Q 2021). Revenue: R$57.6m (up 17% from 1Q 2021). Net income: R$1.81m (up 241% from 1Q 2021). Profit margin: 3.1% (up from 1.1% in 1Q 2021). Over the last 3 years on average, earnings per share has increased by 69% per year but the company’s share price has fallen by 13% per year, which means it is significantly lagging earnings.Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 4 non-independent directors. Independent Director Sérgio Machado De Castro was the last independent director to join the board, commencing their role in 2018. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Valuation Update With 7 Day Price Move • Feb 24Investor sentiment deteriorated over the past weekAfter last week's 18% share price decline to R$1.52, the stock trades at a trailing P/E ratio of 37.9x. Average trailing P/E is 8x in the Banks industry in Brazil. Total loss to shareholders of 43% over the past three years.Reported Earnings • Feb 19Full year 2021 earnings: EPS in line with expectations, revenues disappointFull year 2021 results: EPS: R$0.04 (up from R$0.43 loss in FY 2020). Revenue: R$206.7m (up 7.6% from FY 2020). Net income: R$5.94m (up R$69.6m from FY 2020). Profit margin: 2.9% (up from net loss in FY 2020). Revenue missed analyst estimates by 100%. Over the last 3 years on average, earnings per share has increased by 48% per year but the company’s share price has fallen by 16% per year, which means it is significantly lagging earnings.Reported Earnings • Aug 14Second quarter 2021 earnings releasedThe company reported a poor second quarter result with weaker earnings, revenues and profit margins. Second quarter 2021 results: Revenue: R$45.3m (down 37% from 2Q 2020). Net income: R$1.25m (down 60% from 2Q 2020). Profit margin: 2.8% (down from 4.4% in 2Q 2020). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.Is New 90 Day High Low • Feb 20New 90-day low: R$2.19The company is down 6.0% from its price of R$2.34 on 20 November 2020. The Brazilian market is up 11% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 5.0% over the same period.Reported Earnings • Feb 14Full year 2020 earnings released: R$0.43 loss per share (vs R$0.80 loss in FY 2019)The company reported a soft full year result with weaker revenues and control over costs, although losses reduced. Full year 2020 results: Revenue: R$185.1m (down 487% from FY 2019). Net loss: R$63.6m (loss narrowed 46% from FY 2019). Net interest margin (NIM): 2.10% (up from 1.10% in FY 2019). Over the last 3 years on average, earnings per share has increased by 49% per year but the company’s share price has fallen by 13% per year, which means it is significantly lagging earnings.お知らせ • Jan 09Banco Pine S.A. to Report Q4, 2020 Results on Feb 10, 2021Banco Pine S.A. announced that they will report Q4, 2020 results on Feb 10, 2021Reported Earnings • Nov 16Third quarter 2020 earnings released: R$0.076 loss per shareThe company reported a solid third quarter result with reduced losses and improved revenues and control over expenses. Third quarter 2020 results: Revenue: R$47.5m (up R$41.2m from 3Q 2019). Net loss: R$11.2m (loss narrowed 53% from 3Q 2019). Over the last 3 years on average, earnings per share has increased by 52% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.Is New 90 Day High Low • Oct 27New 90-day low: R$2.46The company is down 21% from its price of R$3.11 on 29 July 2020. The Brazilian market is down 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 3.0% over the same period.Is New 90 Day High Low • Sep 19New 90-day low: R$2.67The company is down 12% from its price of R$3.05 on 19 June 2020. The Brazilian market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 9.0% over the same period.お知らせ • Sep 11Banco Pine S.A. to Report Q3, 2020 Results on Nov 11, 2020Banco Pine S.A. announced that they will report Q3, 2020 results on Nov 11, 2020お知らせ • Jul 07Banco Pine S.A. to Report Q2, 2020 Results on Aug 12, 2020Banco Pine S.A. announced that they will report Q2, 2020 results at 5:00 PM, E. South America Standard Time on Aug 12, 2020株主還元PINE4BR BanksBR 市場7D-0.9%0.3%-0.6%1Y109.2%5.7%10.0%株主還元を見る業界別リターン: PINE4過去 1 年間で5.7 % の収益を上げたBR Banks業界を上回りました。リターン対市場: PINE4過去 1 年間で10 % の収益を上げたBR市場を上回りました。価格変動Is PINE4's price volatile compared to industry and market?PINE4 volatilityPINE4 Average Weekly Movement7.6%Banks Industry Average Movement4.3%Market Average Movement4.9%10% most volatile stocks in BR Market7.8%10% least volatile stocks in BR Market1.9%安定した株価: PINE4の株価は、 BR市場と比較して過去 3 か月間で変動しています。時間の経過による変動: PINE4の weekly volatility ( 8% ) は過去 1 年間安定していますが、依然としてBRの株式の 75% よりも高くなっています。会社概要設立従業員CEO（最高経営責任者ウェブサイト1991n/aMauro Sanchezwww.pine.comバンコ・パインS.A. はブラジルとケイマン諸島のグランド・ケイマンで銀行商品とサービスを提供。当座預金、運転資金、リボルビング商品、デリバティブ、回収、送金、証券、為替、外国貿易、保険、投資サービスを提供。また、運転資金融資、債権割引、負債ストラクチャリング、為替、金利、商品価格に関する財務リスク管理サービスも提供している。バンコ・パインS A.は1939年に設立され、ブラジルのサンパウロに本社を置く。もっと見るBanco Pine S.A. 基礎のまとめBanco Pine の収益と売上を時価総額と比較するとどうか。PINE4 基礎統計学時価総額R$2.89b収益（TTM）R$519.99m売上高(TTM)R$1.42b5.7xPER（株価収益率1.7xPBR（株価純資産倍率PINE4 は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計PINE4 損益計算書（TTM）収益R$1.42b売上原価R$4.70m売上総利益R$1.41bその他の費用R$894.42m収益R$519.99m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）2.20グロス・マージン99.67%純利益率36.64%有利子負債／自己資本比率475.1%PINE4 の長期的なパフォーマンスは？過去の実績と比較を見る配当金5.2%現在の配当利回り41%配当性向View Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/06/11 18:52終値2026/06/10 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Banco Pine S.A. 5 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。9 アナリスト機関Jorg FriedemannBofA Global ResearchMarcelo MizrahiBradesco S.A. Corretora de Títulos e Valores MobiliáriosEric ItoBradesco S.A. Corretora de Títulos e Valores Mobiliários6 その他のアナリストを表示
Valuation Update With 7 Day Price Move • Jun 02Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to R$12.73, the stock trades at a trailing P/E ratio of 5.8x. Average forward P/E is 6x in the Banks industry in Brazil. Total returns to shareholders of 487% over the past three years.
Reported Earnings • May 11First quarter 2026 earnings releasedFirst quarter 2026 results: Revenue: R$494.2m (up 101% from 1Q 2025). Net income: R$149.9m (up 104% from 1Q 2025). Profit margin: 30% (in line with 1Q 2025). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in Brazil.
お知らせ • Mar 31Banco Pine S.A., Annual General Meeting, Apr 30, 2026Banco Pine S.A., Annual General Meeting, Apr 30, 2026. Location: avenida presidente juscelino kubitschek, n 1830 bloco 4 andar condominioedificiosao luiz, vila nova conceicao, city and state of sao paulo, Brazil
Valuation Update With 7 Day Price Move • Mar 04Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to R$11.19, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 7x in the Banks industry in Brazil. Total returns to shareholders of 683% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at R$17.94 per share.
New Risk • Feb 24New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Brazilian stocks, typically moving 6.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.3% average weekly change).
Buy Or Sell Opportunity • Feb 01Now 22% undervaluedOver the last 90 days, the stock has risen 45% to R$13.37. The fair value is estimated to be R$17.09, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 42% over the last 3 years. Earnings per share has grown by 56%. For the next 3 years, revenue is forecast to grow by 32% per annum. Earnings are also forecast to grow by 16% per annum over the same time period.
Valuation Update With 7 Day Price Move • Jun 02Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to R$12.73, the stock trades at a trailing P/E ratio of 5.8x. Average forward P/E is 6x in the Banks industry in Brazil. Total returns to shareholders of 487% over the past three years.
Reported Earnings • May 11First quarter 2026 earnings releasedFirst quarter 2026 results: Revenue: R$494.2m (up 101% from 1Q 2025). Net income: R$149.9m (up 104% from 1Q 2025). Profit margin: 30% (in line with 1Q 2025). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in Brazil.
お知らせ • Mar 31Banco Pine S.A., Annual General Meeting, Apr 30, 2026Banco Pine S.A., Annual General Meeting, Apr 30, 2026. Location: avenida presidente juscelino kubitschek, n 1830 bloco 4 andar condominioedificiosao luiz, vila nova conceicao, city and state of sao paulo, Brazil
Valuation Update With 7 Day Price Move • Mar 04Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to R$11.19, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 7x in the Banks industry in Brazil. Total returns to shareholders of 683% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at R$17.94 per share.
New Risk • Feb 24New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Brazilian stocks, typically moving 6.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.3% average weekly change).
Buy Or Sell Opportunity • Feb 01Now 22% undervaluedOver the last 90 days, the stock has risen 45% to R$13.37. The fair value is estimated to be R$17.09, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 42% over the last 3 years. Earnings per share has grown by 56%. For the next 3 years, revenue is forecast to grow by 32% per annum. Earnings are also forecast to grow by 16% per annum over the same time period.
Upcoming Dividend • Oct 14Upcoming dividend of R$0.10 per shareEligible shareholders must have bought the stock before 21 October 2025. Payment date: 29 October 2025. Payout ratio is a comfortable 41% but the company is not cash flow positive. Trailing yield: 5.7%. Lower than top quartile of Brazilian dividend payers (9.6%). Lower than average of industry peers (7.6%).
Valuation Update With 7 Day Price Move • Sep 15Investor sentiment improves as stock rises 19%After last week's 19% share price gain to R$8.00, the stock trades at a trailing P/E ratio of 6.3x. Average trailing P/E is 7x in the Banks industry in Brazil. Total returns to shareholders of 539% over the past three years.
Reported Earnings • Aug 14Second quarter 2025 earnings released: EPS: R$0.36 (vs R$0.31 in 2Q 2024)Second quarter 2025 results: EPS: R$0.36 (up from R$0.31 in 2Q 2024). Revenue: R$254.6m (up 68% from 2Q 2024). Net income: R$83.0m (up 30% from 2Q 2024). Profit margin: 33% (down from 42% in 2Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 56% per year but the company’s share price has increased by 69% per year, which means it is tracking significantly ahead of earnings growth.
Upcoming Dividend • Jul 10Upcoming dividend of R$0.11 per shareEligible shareholders must have bought the stock before 17 July 2025. Payment date: 25 July 2025. Payout ratio is a comfortable 42% but the company is not cash flow positive. Trailing yield: 8.2%. Lower than top quartile of Brazilian dividend payers (9.0%). In line with average of industry peers (7.6%).
Valuation Update With 7 Day Price Move • Jun 13Investor sentiment improves as stock rises 16%After last week's 16% share price gain to R$5.99, the stock trades at a trailing P/E ratio of 5x. Average trailing P/E is 6x in the Banks industry in Brazil. Total returns to shareholders of 614% over the past three years.
Reported Earnings • May 19First quarter 2025 earnings releasedFirst quarter 2025 results: Revenue: R$246.0m (up 54% from 1Q 2024). Net income: R$73.5m (up 17% from 1Q 2024). Profit margin: 30% (down from 39% in 1Q 2024). The decrease in margin was driven by higher expenses.
Valuation Update With 7 Day Price Move • Apr 29Investor sentiment improves as stock rises 15%After last week's 15% share price gain to R$5.05, the stock trades at a trailing P/E ratio of 4.4x. Average trailing P/E is 6x in the Banks industry in Brazil. Total returns to shareholders of 376% over the past three years.
お知らせ • Mar 03Banco Pine S.A., Annual General Meeting, Apr 04, 2025Banco Pine S.A., Annual General Meeting, Apr 04, 2025. Location: avenida presidente juscelino kubitschek1830, bloco 4 - 6 andar - condominioedificio sao luiz, vila nova conceicao., state of sao paulo., sao paulo. Brazil
Reported Earnings • Feb 13Full year 2024 earnings released: EPS: R$1.25 (vs R$0.99 in FY 2023)Full year 2024 results: EPS: R$1.25 (up from R$0.99 in FY 2023). Revenue: R$755.0m (up 35% from FY 2023). Net income: R$258.2m (up 43% from FY 2023). Profit margin: 34% (up from 32% in FY 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 79% per year but the company’s share price has only increased by 35% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Nov 19Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: R$148.1m (down 14% from 3Q 2023). Net income: R$64.3m (up 42% from 3Q 2023). Profit margin: 44% (up from 26% in 3Q 2023). The increase in margin was driven by lower expenses.
Reported Earnings • Aug 16Second quarter 2024 earnings released: EPS: R$0.31 (vs R$0.23 in 2Q 2023)Second quarter 2024 results: EPS: R$0.31 (up from R$0.23 in 2Q 2023). Revenue: R$151.8m (down 31% from 2Q 2023). Net income: R$63.8m (up 49% from 2Q 2023). Profit margin: 42% (up from 20% in 2Q 2023). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 108% per year but the company’s share price has only increased by 23% per year, which means it is significantly lagging earnings growth.
New Risk • Jul 17New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 144% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (144% increase in shares outstanding). Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
New Risk • Jun 21New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 144% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (144% increase in shares outstanding). Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
Reported Earnings • May 08First quarter 2024 earnings releasedFirst quarter 2024 results: Revenue: R$159.8m (up 56% from 1Q 2023). Net income: R$63.0m (up 106% from 1Q 2023). Profit margin: 39% (up from 30% in 1Q 2023). The increase in margin was driven by higher revenue.
New Risk • Feb 18New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Brazilian stocks, typically moving 8.0% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (8.0% average weekly change). Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
お知らせ • Feb 11Banco Pine S.A., Annual General Meeting, Apr 04, 2024Banco Pine S.A., Annual General Meeting, Apr 04, 2024.
Reported Earnings • Feb 08Full year 2023 earnings released: EPS: R$0.99 (vs R$0.22 in FY 2022)Full year 2023 results: EPS: R$0.99 (up from R$0.22 in FY 2022). Revenue: R$559.2m (up 130% from FY 2022). Net income: R$180.9m (up 342% from FY 2022). Profit margin: 32% (up from 17% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 123% per year but the company’s share price has only increased by 24% per year, which means it is significantly lagging earnings growth.
New Risk • Jan 18New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Brazilian stocks, typically moving 7.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (7.0% average weekly change).
Upcoming Dividend • Jan 02Upcoming dividend of R$0.23 per share at 4.6% yieldEligible shareholders must have bought the stock before 09 January 2024. Payment date: 15 January 2024. Payout ratio is a comfortable 21% but the company is not cash flow positive. Trailing yield: 4.6%. Lower than top quartile of Brazilian dividend payers (7.7%). In line with average of industry peers (4.3%).
お知らせ • Dec 14+ 3 more updatesBanco Pine S.A. to Report Q4, 2023 Results on Feb 08, 2024Banco Pine S.A. announced that they will report Q4, 2023 results Pre-Market on Feb 08, 2024
Reported Earnings • Nov 19Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: R$172.1m (up 75% from 3Q 2022). Net income: R$45.2m (up 202% from 3Q 2022). Profit margin: 26% (up from 15% in 3Q 2022). The increase in margin was driven by higher revenue.
Reported Earnings • Aug 11Second quarter 2023 earnings releasedSecond quarter 2023 results: Revenue: R$219.1m (up 238% from 2Q 2022). Net income: R$42.8m (up 248% from 2Q 2022). Profit margin: 20% (in line with 2Q 2022).
Valuation Update With 7 Day Price Move • Aug 10Investor sentiment improves as stock rises 25%After last week's 25% share price gain to R$4.36, the stock trades at a trailing P/E ratio of 11.5x. Average trailing P/E is 9x in the Banks industry in Brazil. Total returns to shareholders of 56% over the past three years.
New Risk • Jul 31New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: R$460.3m (US$97.3m) This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (11% average weekly change). Minor Risks Shareholders have been diluted in the past year (24% increase in shares outstanding). Market cap is less than US$100m (R$460.3m market cap, or US$97.3m).
Upcoming Dividend • Jul 25Upcoming dividend of R$0.10 per shareEligible shareholders must have bought the stock before 01 August 2023. Payment date: 10 August 2023. The company last paid an ordinary dividend in October 2012. The average dividend yield among industry peers is 4.8%.
Valuation Update With 7 Day Price Move • Jul 05Investor sentiment improves as stock rises 15%After last week's 15% share price gain to R$3.06, the stock trades at a trailing P/E ratio of 8.1x. Average trailing P/E is 9x in the Banks industry in Brazil. Total returns to shareholders of 5.9% over the past three years.
New Risk • Jul 04New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Brazilian stocks, typically moving 9.9% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (9.9% average weekly change). High level of non-cash earnings (24% accrual ratio). Minor Risk Shareholders have been diluted in the past year (24% increase in shares outstanding).
New Risk • Jun 30New major risk - Earnings qualityThe company has a high level of non-cash earnings. Accrual ratio: 24% This is considered a major risk. Non-cash earnings can arise from many different things. However, if a company consistently has a high level of non-cash earnings, it may be a sign that they are recognizing revenue from customers before the full value of the sales are received as cash or they are not depreciating the value of their assets appropriately. These are practices that inflate earnings, while not providing a similar increase to cash flows. Companies in some select industries naturally have a high level of non-cash earnings and it is not a major concern. However, in the worst case scenario it can be an early sign of performance manipulation by management. Currently, the following risks have been identified for the company: Major Risk High level of non-cash earnings (24% accrual ratio). Minor Risks Share price has been volatile over the past 3 months (9.6% average weekly change). Shareholders have been diluted in the past year (24% increase in shares outstanding).
Valuation Update With 7 Day Price Move • May 26Investor sentiment improves as stock rises 36%After last week's 36% share price gain to R$2.59, the stock trades at a trailing P/E ratio of 6.9x. Average trailing P/E is 7x in the Banks industry in Brazil. Total loss to shareholders of 2.2% over the past three years.
Valuation Update With 7 Day Price Move • May 10Investor sentiment improves as stock rises 26%After last week's 26% share price gain to R$1.77, the stock trades at a trailing P/E ratio of 8.1x. Average trailing P/E is 7x in the Banks industry in Brazil. Total loss to shareholders of 28% over the past three years.
Reported Earnings • Feb 10Full year 2022 earnings released: EPS: R$0.22 (vs R$0.04 in FY 2021)Full year 2022 results: EPS: R$0.22 (up from R$0.04 in FY 2021). Revenue: R$242.7m (up 17% from FY 2021). Net income: R$40.9m (up R$35.0m from FY 2021). Profit margin: 17% (up from 2.9% in FY 2021). Over the last 3 years on average, earnings per share has increased by 97% per year but the company’s share price has fallen by 25% per year, which means it is significantly lagging earnings.
お知らせ • Dec 10Banco Pine S.A. to Report Q4, 2022 Results on Feb 06, 2023Banco Pine S.A. announced that they will report Q4, 2022 results on Feb 06, 2023
お知らせ • Dec 09Banco Pine S.A., Annual General Meeting, Mar 17, 2023Banco Pine S.A., Annual General Meeting, Mar 17, 2023.
Board Change • Nov 16Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 4 non-independent directors. Independent Director Sérgio Machado De Castro was the last independent director to join the board, commencing their role in 2018. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Valuation Update With 7 Day Price Move • Sep 06Investor sentiment improved over the past weekAfter last week's 22% share price gain to R$1.50, the stock trades at a trailing P/E ratio of 26.8x. Average trailing P/E is 7x in the Banks industry in Brazil. Total loss to shareholders of 53% over the past three years.
Valuation Update With 7 Day Price Move • Jul 25Investor sentiment improved over the past weekAfter last week's 20% share price gain to R$1.20, the stock trades at a trailing P/E ratio of 24.6x. Average trailing P/E is 7x in the Banks industry in Brazil. Total loss to shareholders of 52% over the past three years.
Reported Earnings • May 16First quarter 2022 earnings released: EPS: R$0.012 (vs R$0.004 in 1Q 2021)First quarter 2022 results: EPS: R$0.012 (up from R$0.004 in 1Q 2021). Revenue: R$57.6m (up 17% from 1Q 2021). Net income: R$1.81m (up 241% from 1Q 2021). Profit margin: 3.1% (up from 1.1% in 1Q 2021). Over the last 3 years on average, earnings per share has increased by 69% per year but the company’s share price has fallen by 13% per year, which means it is significantly lagging earnings.
Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 4 non-independent directors. Independent Director Sérgio Machado De Castro was the last independent director to join the board, commencing their role in 2018. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Valuation Update With 7 Day Price Move • Feb 24Investor sentiment deteriorated over the past weekAfter last week's 18% share price decline to R$1.52, the stock trades at a trailing P/E ratio of 37.9x. Average trailing P/E is 8x in the Banks industry in Brazil. Total loss to shareholders of 43% over the past three years.
Reported Earnings • Feb 19Full year 2021 earnings: EPS in line with expectations, revenues disappointFull year 2021 results: EPS: R$0.04 (up from R$0.43 loss in FY 2020). Revenue: R$206.7m (up 7.6% from FY 2020). Net income: R$5.94m (up R$69.6m from FY 2020). Profit margin: 2.9% (up from net loss in FY 2020). Revenue missed analyst estimates by 100%. Over the last 3 years on average, earnings per share has increased by 48% per year but the company’s share price has fallen by 16% per year, which means it is significantly lagging earnings.
Reported Earnings • Aug 14Second quarter 2021 earnings releasedThe company reported a poor second quarter result with weaker earnings, revenues and profit margins. Second quarter 2021 results: Revenue: R$45.3m (down 37% from 2Q 2020). Net income: R$1.25m (down 60% from 2Q 2020). Profit margin: 2.8% (down from 4.4% in 2Q 2020). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
Is New 90 Day High Low • Feb 20New 90-day low: R$2.19The company is down 6.0% from its price of R$2.34 on 20 November 2020. The Brazilian market is up 11% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 5.0% over the same period.
Reported Earnings • Feb 14Full year 2020 earnings released: R$0.43 loss per share (vs R$0.80 loss in FY 2019)The company reported a soft full year result with weaker revenues and control over costs, although losses reduced. Full year 2020 results: Revenue: R$185.1m (down 487% from FY 2019). Net loss: R$63.6m (loss narrowed 46% from FY 2019). Net interest margin (NIM): 2.10% (up from 1.10% in FY 2019). Over the last 3 years on average, earnings per share has increased by 49% per year but the company’s share price has fallen by 13% per year, which means it is significantly lagging earnings.
お知らせ • Jan 09Banco Pine S.A. to Report Q4, 2020 Results on Feb 10, 2021Banco Pine S.A. announced that they will report Q4, 2020 results on Feb 10, 2021
Reported Earnings • Nov 16Third quarter 2020 earnings released: R$0.076 loss per shareThe company reported a solid third quarter result with reduced losses and improved revenues and control over expenses. Third quarter 2020 results: Revenue: R$47.5m (up R$41.2m from 3Q 2019). Net loss: R$11.2m (loss narrowed 53% from 3Q 2019). Over the last 3 years on average, earnings per share has increased by 52% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.
Is New 90 Day High Low • Oct 27New 90-day low: R$2.46The company is down 21% from its price of R$3.11 on 29 July 2020. The Brazilian market is down 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 3.0% over the same period.
Is New 90 Day High Low • Sep 19New 90-day low: R$2.67The company is down 12% from its price of R$3.05 on 19 June 2020. The Brazilian market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 9.0% over the same period.
お知らせ • Sep 11Banco Pine S.A. to Report Q3, 2020 Results on Nov 11, 2020Banco Pine S.A. announced that they will report Q3, 2020 results on Nov 11, 2020
お知らせ • Jul 07Banco Pine S.A. to Report Q2, 2020 Results on Aug 12, 2020Banco Pine S.A. announced that they will report Q2, 2020 results at 5:00 PM, E. South America Standard Time on Aug 12, 2020
