Banco da Amazônia S.A. Logo

Banco da Amazônia S.A.

BAZA3.SA

(3.2)
Stock Price

93,00 BRL

2.8% ROA

24.11% ROE

4.35x PER

Market Cap.

5.202.210.240,00 BRL

9.77% DER

5.99% Yield

29.29% NPM

Banco da Amazônia S.A. Stock Analysis

Banco da Amazônia S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banco da Amazônia S.A. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (24.56%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

With a remarkably low PBV ratio (0.85x), the stock offers substantial upside potential at a bargain price.

3 DER

The stock has a low debt to equity ratio (11%), which means it has a small amount of debt compared to the ownership it holds

4 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

5 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

6 ROA

The stock's ROA (3.07%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

8 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (377) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Banco da Amazônia S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banco da Amazônia S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Buy
4 Stoch RSI Sell

Banco da Amazônia S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banco da Amazônia S.A. Revenue
Year Revenue Growth
2003 879.232.000
2004 578.610.000 -51.96%
2005 640.787.000 9.7%
2006 608.992.000 -5.22%
2007 613.942.000 0.81%
2008 831.329.000 26.15%
2009 526.917.000 -57.77%
2010 1.102.453.000 52.21%
2011 1.220.947.000 9.71%
2012 745.330.000 -63.81%
2013 1.393.647.000 46.52%
2014 1.622.158.000 14.09%
2015 2.134.347.000 24%
2016 2.299.562.000 7.18%
2017 2.259.568.000 -1.77%
2018 2.045.610.000 -10.46%
2019 2.375.733.000 13.9%
2020 2.185.445.000 -8.71%
2021 2.822.023.000 22.56%
2022 4.231.796.000 33.31%
2023 3.341.844.000 -26.63%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banco da Amazônia S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banco da Amazônia S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 288.261.000
2004 345.795.000 16.64%
2005 391.676.000 11.71%
2006 393.792.000 0.54%
2007 422.160.000 6.72%
2008 447.283.000 5.62%
2009 171.231.000 -161.22%
2010 207.657.000 17.54%
2011 291.615.000 28.79%
2012 345.576.000 15.61%
2013 220.234.000 -56.91%
2014 216.704.000 -1.63%
2015 236.694.000 8.45%
2016 241.468.000 1.98%
2017 230.434.000 -4.79%
2018 249.616.000 7.68%
2019 227.245.000 -9.84%
2020 210.523.000 -7.94%
2021 206.854.000 -1.77%
2022 223.603.000 7.49%
2023 239.140.000 6.5%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banco da Amazônia S.A. EBITDA
Year EBITDA Growth
2003 292.868.000
2004 114.851.000 -155%
2005 252.425.000 54.5%
2006 167.157.000 -51.01%
2007 209.171.000 20.09%
2008 243.461.000 14.08%
2009 48.354.000 -403.5%
2010 257.010.000 81.19%
2011 497.260.000 48.31%
2012 10.769.000 -4517.51%
2013 678.490.000 98.41%
2014 939.184.000 27.76%
2015 1.203.289.000 21.95%
2016 1.153.879.000 -4.28%
2017 1.176.662.000 1.94%
2018 1.115.140.000 -5.52%
2019 377.772.000 -195.19%
2020 440.293.000 14.2%
2021 1.365.553.000 67.76%
2022 3.707.811.000 63.17%
2023 2.081.796.000 -78.11%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banco da Amazônia S.A. Gross Profit
Year Gross Profit Growth
2003 879.232.000
2004 578.610.000 -51.96%
2005 640.787.000 9.7%
2006 608.992.000 -5.22%
2007 613.942.000 0.81%
2008 831.329.000 26.15%
2009 526.917.000 -57.77%
2010 1.102.453.000 52.21%
2011 1.220.947.000 9.71%
2012 745.330.000 -63.81%
2013 1.393.647.000 46.52%
2014 1.622.158.000 14.09%
2015 2.134.347.000 24%
2016 2.299.562.000 7.18%
2017 2.259.568.000 -1.77%
2018 2.045.610.000 -10.46%
2019 2.375.733.000 13.9%
2020 2.185.445.000 -8.71%
2021 2.822.023.000 22.56%
2022 4.231.796.000 33.31%
2023 3.341.844.000 -26.63%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banco da Amazônia S.A. Net Profit
Year Net Profit Growth
2003 292.868.000
2004 114.851.000 -155%
2005 252.425.000 54.5%
2006 167.157.000 -51.01%
2007 179.766.000 7.01%
2008 215.850.000 16.72%
2009 26.300.000 -720.72%
2010 142.163.000 81.5%
2011 85.312.000 -66.64%
2012 10.769.000 -692.2%
2013 182.498.000 94.1%
2014 186.319.000 2.05%
2015 248.968.000 25.16%
2016 130.682.000 -90.51%
2017 64.507.000 -102.59%
2018 109.078.000 40.86%
2019 275.348.000 60.39%
2020 265.568.000 -3.68%
2021 737.839.000 64.01%
2022 1.122.314.000 34.26%
2023 1.333.992.000 15.87%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banco da Amazônia S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 10
2004 4 -200%
2005 9 62.5%
2006 6 -60%
2007 6 16.67%
2008 7 14.29%
2009 1 0%
2010 5 100%
2011 2 -300%
2012 6 80%
2013 6 16.67%
2014 6 0%
2015 0 0%
2016 4 100%
2017 2 -100%
2018 4 33.33%
2019 9 66.67%
2020 9 -12.5%
2021 25 66.67%
2022 30 17.24%
2023 24 -26.09%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banco da Amazônia S.A. Free Cashflow
Year Free Cashflow Growth
2007 -690.282.000
2008 -743.322.000 7.14%
2009 368.394.000 301.77%
2010 370.336.000 0.52%
2011 1.217.088.000 69.57%
2012 -1.515.260.000 180.32%
2013 492.139.000 407.89%
2014 -787.789.000 162.47%
2015 -925.897.000 14.92%
2016 2.386.613.000 138.8%
2017 3.713.023.000 35.72%
2018 2.360.619.000 -57.29%
2019 674.680.000 -249.89%
2020 -647.026.000 204.27%
2021 -754.805.000 14.28%
2022 1.565.735.000 148.21%
2023 -75.247.000 2180.79%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banco da Amazônia S.A. Operating Cashflow
Year Operating Cashflow Growth
2007 -671.095.000
2008 -727.967.000 7.81%
2009 374.209.000 294.53%
2010 381.735.000 1.97%
2011 1.256.087.000 69.61%
2012 -1.515.260.000 182.9%
2013 545.170.000 377.94%
2014 -742.551.000 173.42%
2015 -877.335.000 15.36%
2016 2.465.690.000 135.58%
2017 3.781.075.000 34.79%
2018 2.418.329.000 -56.35%
2019 727.101.000 -232.6%
2020 -598.538.000 221.48%
2021 -727.956.000 17.78%
2022 1.608.107.000 145.27%
2023 -65.989.000 2536.93%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banco da Amazônia S.A. Capital Expenditure
Year Capital Expenditure Growth
2007 19.187.000
2008 15.355.000 -24.96%
2009 5.815.000 -164.06%
2010 11.399.000 48.99%
2011 38.999.000 70.77%
2012 0 0%
2013 53.031.000 100%
2014 45.238.000 -17.23%
2015 48.562.000 6.84%
2016 79.077.000 38.59%
2017 68.052.000 -16.2%
2018 57.710.000 -17.92%
2019 52.421.000 -10.09%
2020 48.488.000 -8.11%
2021 26.849.000 -80.6%
2022 42.372.000 36.64%
2023 9.258.000 -357.68%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banco da Amazônia S.A. Equity
Year Equity Growth
2003 1.425.045.000
2004 1.485.050.000 4.04%
2005 1.643.725.000 9.65%
2006 1.702.463.000 3.45%
2007 1.816.086.000 6.26%
2008 1.901.025.000 4.47%
2009 1.897.318.000 -0.2%
2010 1.933.612.000 1.88%
2011 1.934.215.000 0.03%
2012 14.974.839.000 87.08%
2013 1.624.994.000 -821.53%
2014 1.711.592.000 5.06%
2015 1.924.158.000 11.05%
2016 1.959.689.000 1.81%
2017 1.885.309.000 -3.95%
2018 1.938.608.000 2.75%
2019 2.199.206.000 11.85%
2020 2.416.797.000 9%
2021 2.944.953.000 17.93%
2022 4.841.380.000 39.17%
2023 5.811.577.000 16.69%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banco da Amazônia S.A. Assets
Year Assets Growth
2003 4.367.309.000
2004 3.833.959.000 -13.91%
2005 4.439.604.000 13.64%
2006 5.158.922.000 13.94%
2007 6.120.400.000 15.71%
2008 7.239.780.000 15.46%
2009 7.805.744.000 7.25%
2010 8.461.956.000 7.75%
2011 9.871.604.000 14.28%
2012 15.009.422.000 34.23%
2013 11.330.107.000 -32.47%
2014 12.418.434.000 8.76%
2015 12.083.092.000 -2.78%
2016 14.174.359.000 14.75%
2017 16.952.092.000 16.39%
2018 18.939.959.000 10.5%
2019 20.478.841.000 7.51%
2020 20.815.709.000 1.62%
2021 25.952.485.000 19.79%
2022 34.595.899.000 24.98%
2023 42.722.537.000 19.02%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banco da Amazônia S.A. Liabilities
Year Liabilities Growth
2003 2.942.264.000
2004 2.348.909.000 -25.26%
2005 2.795.879.000 15.99%
2006 3.456.459.000 19.11%
2007 4.304.314.000 19.7%
2008 5.338.755.000 19.38%
2009 5.908.426.000 9.64%
2010 6.528.344.000 9.5%
2011 7.937.389.000 17.75%
2012 34.583.000 -22851.71%
2013 9.705.113.000 99.64%
2014 10.706.842.000 9.36%
2015 10.158.934.000 -5.39%
2016 12.214.670.000 16.83%
2017 15.066.783.000 18.93%
2018 17.001.351.000 11.38%
2019 1.891.689.000 -798.74%
2020 1.818.884.000 -4%
2021 1.781.335.000 -2.11%
2022 29.754.519.000 94.01%
2023 567.891.000 -5139.48%

Banco da Amazônia S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
77.8
Net Income per Share
21.31
Price to Earning Ratio
4.35x
Price To Sales Ratio
1.19x
POCF Ratio
1.12
PFCF Ratio
1.13
Price to Book Ratio
0.9
EV to Sales
0.71
EV Over EBITDA
1.14
EV to Operating CashFlow
0.66
EV to FreeCashFlow
0.67
Earnings Yield
0.23
FreeCashFlow Yield
0.89
Market Cap
5,20 Bil.
Enterprise Value
3,08 Bil.
Graham Number
222.96
Graham NetNet
39.61

Income Statement Metrics

Net Income per Share
21.31
Income Quality
2.59
ROE
0.22
Return On Assets
0.03
Return On Capital Employed
0.04
Net Income per EBT
0.82
EBT Per Ebit
1.03
Ebit per Revenue
0.35
Effective Tax Rate
0.13

Margins

Sales, General, & Administrative to Revenue
0.06
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.35
Pretax Profit Margin
0.36
Net Profit Margin
0.29

Dividends

Dividend Yield
0.06
Dividend Yield %
5.99
Payout Ratio
0
Dividend Per Share
5.56

Operating Metrics

Operating Cashflow per Share
82.84
Free CashFlow per Share
82.32
Capex to Operating CashFlow
-0.01
Capex to Revenue
-0.01
Capex to Depreciation
-2.28
Return on Invested Capital
0.29
Return on Tangible Assets
0.03
Days Sales Outstanding
10.54
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
34.62
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.52

Balance Sheet

Cash per Share
48,05
Book Value per Share
103,67
Tangible Book Value per Share
750.18
Shareholders Equity per Share
103.67
Interest Debt per Share
51.07
Debt to Equity
0.1
Debt to Assets
0.01
Net Debt to EBITDA
-0.79
Current Ratio
0
Tangible Asset Value
42,05 Bil.
Net Current Asset Value
2,25 Bil.
Invested Capital
0.1
Working Capital
2,82 Bil.
Intangibles to Total Assets
0
Average Receivables
0,13 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.11

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banco da Amazônia S.A. Dividends
Year Dividends Growth
2010 0
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 1 0%
2019 1 100%
2020 7 85.71%
2021 3 -250%
2022 7 66.67%
2023 6 -20%

Banco da Amazônia S.A. Profile

About Banco da Amazônia S.A.

Banco da Amazônia S.A. provides banking products and services in the Amazon region of Brazil. The company accepts savings, salary, current, and checking accounts; and offers various loans. It also provides various cards; investment and insurance products; pension plans; and foreign trade and exchange, money order, collection, direct debit, payment, online, and other financial services. Banco da Amazônia S.A. was founded in 1942 and is headquartered in Belém, Brazil.

CEO
Mr. Luiz Claudio Moreira Lessa
Employee
2.835
Address
Avenida Presidente Vargas nº 800
Belém, 66017-901

Banco da Amazônia S.A. Executives & BODs

Banco da Amazônia S.A. Executives & BODs
# Name Age
1 Alcir Bringel Erse
Executive Secretary & Member of Executive Board
70
2 Valeida Neila Pessoa de Souza
Accountant
70
3 Mr. Marivaldo Goncalves de Melo
Commercial Director & Member of Executive Board
70
4 Mr. Luiz Claudio Moreira Lessa
President, President of Executive Board & Director
70
5 Jose Maria de Lima Quinto Filho
Business Infrastructure Director & Member of Executive Board
70
6 Ms. Ana Paula Bulhoes Moitinho Leal
Director of Asset Management, Product & Services Portfolio and Member of Executive Board
70
7 Fabio Yassuda Maeda
Member of Executive Board and Director of Investor Relations, Control & Risk
70
8 Mr. Roberto Batista Schwartz Martins de Paula
Director of Credit & Member of Executive Board
70

Banco da Amazônia S.A. Competitors