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Banco Pine S.A. (PINE3.SA)

BRL11.43 -0.52 (-4.35%)
BR SAO Financial Services Banks - Regional
Address Av. Pres. Juscelino Kubitschek 04543-900
São Paulo, SP, BR
CEO Mauro Sanchez
Website pine.com
IPO 2013-02-04
ISIN BRPINEACNOR1

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Description

Operating across Brazil and Grand Cayman, Cayman Islands, Banco Pine S.A. furnishes a broad spectrum of banking and financial solutions. These include fundamental banking provisions such as current accounts, working capital and revolving credit products, alongside derivatives, collection services, interbank transfers, and securities management. The company further facilitates international trade, offers foreign exchange and insurance services, and provides investment guidance. Specialized financial services extend to working capital financing, the discounting of receivables, debt structuring, and comprehensive financial risk management, specifically targeting exposure to currency fluctuations, interest rate changes, and commodity price volatility. Founded in 1939, the institution's main office is located in São Paulo, Brazil.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
BRL11.43 -0.52 (-4.35%)
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Volume Profile
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Liquidity & share structure
Average Volume
8.4K
Beta
0.51
Float Shares
22.64M
Free Float %
8.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-6.00% +2.63% +1.11% +1.34% +40.33% +4.92% +168.50% +43.13% +43.13% +43.13% +43.13%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
11.43
DCF (Levered) 30.93 +170.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.12
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +95.2% Q1'26: +52.3% (vs Q1'25)
  • EPS growth
    +70.5% Q1'26: +81.3% (vs Q1'25)
  • FCF margin
    Q1'26: +5.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +12.7% (vs Q1'25)
  • ROIC
    Q1'26: +5.0% (vs Q1'25)
  • Share dilution
    +1.2% Q1'26: +11.8% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 12.75× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.58) × ERP
WACC = 80% × Ke + 20% × Kd (445.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 11.43
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2025
actual
Dec 2026
1 Rev. Ana.
Dec 2027
3 Rev. Ana.
Revenue
5.33B
est: 1.80B (+196.9%)
3.09B
2.89B – 3.36B
+71.9% YoY
3.65B
3.21B – 4.25B
+18.2% YoY
EBITDA
697.94M
est: 172.37M (+304.9%)
296.34M
277.00M – 322.70M
+71.9% YoY
350.14M
307.95M – 407.66M
+18.2% YoY
EBIT
682.39M
est: 168.83M (+304.2%)
290.27M
271.32M – 316.09M
+71.9% YoY
342.97M
301.64M – 399.30M
+18.2% YoY
Net Income
443.59M
— – —
— – —
SGA
167.41M
est: 89.68M (+86.7%)
154.18M
144.12M – 167.90M
+71.9% YoY
182.17M
160.22M – 212.10M
+18.2% YoY
EPS
1.91
— – —
— – —
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-27 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-26 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-25 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-22 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-21 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-20 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-19 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-18 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-15 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-14 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-13 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-12 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-11 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-08 A- 4/5 5/5 5/5 4/5 2/5 4/5 1/5
2026-05-07 A- 4/5 5/5 5/5 4/5 2/5 4/5 1/5
2026-05-06 A- 4/5 5/5 5/5 4/5 2/5 4/5 1/5
2026-05-05 A- 4/5 5/5 5/5 4/5 2/5 4/5 1/5
2026-05-04 A- 4/5 5/5 5/5 4/5 2/5 4/5 1/5
2026-04-30 A- 4/5 5/5 5/5 4/5 2/5 4/5 1/5
2026-04-29 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-04-28 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-04-27 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-04-24 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-04-23 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-22 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-20 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-17 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-16 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
129.87M
OE per share TTM
0.48
Owner's Yield
3.70%
Maintenance CapEx ratio
5.02%
Maint CapEx / Avg PPE
1.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.59M
Shares Outstanding
256.53M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Alcides Roberto Rocha Director of Operations and IT Retail
Eugenio Fabbri Neto Executive Director of Technology, Digital Channels, Marketing, Projects & Processes
Guilherme Vieira Neves Risk and Compliance Officer male
José Aparecido da Silva Accounting, Tax & Accounts Director
Mauro Sanchez Chief Executive Officer male
Noberto Nogueira Pinheiro Jr. Vice-President of the Board, Executive Officer & Investor Relations Officer male
Rodrigo Esteves Pinheiro Vice Chairman & Executive Officer male
Sergio Luis Patricio Chief Financial Officer and Executive Director of Finance, Investor Relations, Treasury & Funding male
Tatiana Aparecida Munhoz Legal Officer
Ulisses Márcio Alcantarilla Chief Administrative Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings reports

Stock splits