Banco Santander (Brasil) S.A.
- Open
- 5.97
- Day high
- 6.00
- Day low
- 5.95
- Prev close
- 5.89
- Volume
- 911K
- Mkt cap
- $44.6B
- P/E (TTM)
- 9.8
- EPS (TTM)
- $0.61
- P/B
- 1.8
- P/S
- 0.6
- Yield
- 4.11%
- Per share
- $0.24
- ▼Insiders net selling -$1.6M over the last 3 months (4 open-market buys, 18 sales)
- 🏛Institutions accumulating (13F)
Banco Santander (Brasil) S.A. (BSBR) is a Financial Services company listed on NYSE. The stock is up 13% over the past year. Over the trailing 3 months, insiders filed 4 open-market buys and 18 sales (SEC Form 4). Drillr has 1 published research article covering BSBR.
Banco Santander (Brasil) S.A. (BSBR) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 3 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
BSBR earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 29, 2026 | $0.20 | $0.16 | -19.3% | $4.0B | -3.6% |
| Apr 29, 2026 | $0.21 | $0.20 | -3.3% | $4.3B | -0.8% |
| Feb 4, 2026 | $0.20 | $0.20 | +1.9% | $4.0B | -5.5% |
| Jul 30, 2025 | $0.18 | $0.26 | +43.4% | $34.6B | +782.3% |
| Apr 30, 2025 | $0.18 | $0.42 | +131.2% | $35.9B | +847.9% |
| Feb 5, 2025 | $0.18 | $0.02 | -91.4% | $35.3B | +893.1% |
| Jul 24, 2024 | $0.16 | $0.08 | -50.0% | $29.2B | +4740.8% |
| Apr 30, 2024 | $0.13 | $0.08 | -38.5% | $30.7B | +4298.2% |
| Jan 31, 2024 | $0.15 | $0.06 | -60.0% | $31.7B | +703.5% |
| Oct 25, 2023 | $0.15 | $0.08 | -46.7% | $30.8B | +726.5% |
| Jul 26, 2023 | $0.15 | $0.06 | -60.0% | $29.9B | +686.5% |
| Feb 2, 2023 | $0.14 | $0.04 | -71.4% | $30.3B | +758.8% |
BSBR insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Sep 2, 2026 | da Silva Marcos Jose Maiaofficer: Officer w/o Specific Desig | Sell | 7,474 | $5.74 |
| Sep 1, 2026 | da Silva Marcos Jose Maiaofficer: Officer w/o Specific Desig | Sell | 7,474 | $5.74 |
| Sep 1, 2026 | da Silva Marcos Jose Maiaofficer: Officer w/o Specific Desig | Buy | 79 | $5.76 |
| Aug 28, 2026 | Janikian Cezar Augustoofficer: VP Exec Officer | Sell | 6,600 | $5.72 |
| Aug 28, 2026 | Fasoli Franco Luigiofficer: Officer w/o Specific Desig | Sell | 5,143 | $5.75 |
| Aug 27, 2026 | Gschliffner Rudolfofficer: Officer w/o Specific Desig | Sell | 11,507 | $5.73 |
| Aug 27, 2026 | Fasoli Franco Luigiofficer: Officer w/o Specific Desig | Sell | 13,707 | $5.76 |
| Aug 18, 2026 | Fasoli Franco Luigiofficer: Officer w/o Specific Desig | Sell | 24,600 | $5.71 |
| Aug 18, 2026 | Garrido Eduardo Alvarezofficer: Officer w/o Specific Desig | Sell | 410 | $5.71 |
| Aug 13, 2026 | Vergara Nicolasofficer: Officer w/o Specific Desig | Sell | 17,800 | $5.74 |
| Aug 13, 2026 | Lima Paulo Fernando Alvesofficer: Officer w/o Specific Desig | Sell | 43,876 | $5.74 |
| Aug 11, 2026 | Queiroz Celso Mateus Deofficer: Officer w/o Specific Desig | Sell | 29,299 | $5.78 |
| Aug 6, 2026 | Santos Gustavo de Sousaofficer: Officer w/o Specific Desig | Sell | 29,200 | $5.70 |
| Aug 6, 2026 | Margulies Mariana Cahenofficer: Officer w/o Specific Desig | Sell | 42,545 | $5.70 |
| Aug 6, 2026 | Rezende Robson de Souzaofficer: Officer w/o Specific Desig | Sell | 39,874 | $5.70 |
Source: BSBR SEC Form 4 filings, latest Sep 2, 2026. For informational purposes only — not investment advice.
See the full BSBR insider & 13F page →Banco Santander (Brasil) S.A. company profile
Overview
Banco Santander (Brasil) S.A. (NYSE:BSBR) is one of Brazil's largest commercial banks and a subsidiary of the Spanish banking giant Banco Santander. Founded in 1985 and publicly traded since 2009, the bank has grown to become a major financial institution serving over 60 million customers across Brazil. The company operates through a comprehensive network of branches, digital platforms, and ATMs, offering a full range of banking services from retail deposits and loans to corporate financing and investment banking. As Brazil's financial sector has evolved toward digitalization and financial inclusion, Santander Brasil has positioned itself as a technology-forward institution while maintaining its traditional banking strengths.
Business
Banco Santander Brasil operates in Brazil's commercial banking sector, which serves as the financial intermediary between savers and borrowers in Latin America's largest economy. The bank functions through two primary business segments that generate distinct revenue streams. The Commercial Banking segment represents the core of the business, serving individual consumers, small and medium enterprises (SMEs), and mid-market companies. This division offers traditional banking products including checking and savings accounts, personal loans, mortgages, home equity financing, payroll loans, credit and debit cards, and consumer credit. The bank has developed specialized offerings for Brazil's important agribusiness sector, providing financing and services tailored to agricultural businesses. This segment also includes the bank's consumer finance operations and digital payment solutions, including Brazil's instant payment system PIX. Commercial Banking generates approximately 70-75% of total revenues. The Global Wholesale Banking segment focuses on large corporate clients and institutional investors, providing sophisticated financial services including structured financing, syndicated loans, debt capital markets services, merger and acquisition advisory, equity capital markets transactions, and treasury services. This division also offers foreign exchange and derivative products, along with market-making services for institutional clients. The wholesale banking segment contributes roughly 25-30% of total revenues. The bank operates in Brazil's highly regulated banking environment, where financial institutions must maintain significant capital reserves and comply with Central Bank of Brazil requirements. Brazilian banks benefit from the country's historically high interest rate environment, which creates substantial spreads between deposit and lending rates, though this dynamic has been moderating as Brazil's central bank has reduced benchmark rates from historic highs.
Risks & safety
Banco Santander Brasil demonstrates strong financial stability with adequate capitalization but faces some liquidity management challenges typical of banking operations. • Capital Position: Core Tier 1 capital ratio of 11.5% exceeds regulatory minimums and provides reasonable buffer for economic stress • Liquidity: Cash and short-term investments of R$34.8 billion provide substantial liquidity cushion, though negative operating cash flows in recent quarters reflect normal banking working capital fluctuations • Asset Quality: Cost of credit improved to 4% by end of 2023, indicating reasonable loan portfolio quality • Debt Levels: Debt-to-equity ratio of 0.19 is manageable for a financial institution • Valuation: Trading at 13.5x forward earnings and 1.51x book value, representing reasonable valuation metrics for a Brazilian bank • Profitability: Return on equity of 11.2% demonstrates solid profitability, though below historical peaks • Regulatory Risk: Subject to Brazilian banking regulations and potential changes in capital requirements or operational restrictions
Recent development
Over the past several years, Banco Santander Brasil has pursued a comprehensive digital transformation strategy while expanding its market presence in high-growth segments. The bank has achieved significant technological modernization, with 95% of operations now running in cloud infrastructure and substantial investments in artificial intelligence and generative AI capabilities to enhance customer service and operational efficiency. The bank has prioritized customer segmentation and expansion, particularly targeting Brazil's affluent market through its Select program, which reached 1.2 million high-income customers by 2023 with a goal of 2 million. This focus on higher-value clients aims to improve fee income and cross-selling opportunities. Simultaneously, the bank simplified its product portfolio by 31% to improve operational efficiency and customer experience. Portfolio diversification has been another key strategic focus, with particularly strong growth in agribusiness lending (42% growth in 2023) and consumer finance, where the bank achieved a 21% market share. The bank has also expanded its payroll loan business and developed new digital lending and debt renegotiation services. Geographic and sector diversification efforts include expanding services for small and medium enterprises, which showed 5.2% portfolio growth in Q4 2023. The bank has embraced Brazil's instant payment infrastructure through PIX integration while developing new financial products around this platform. Additionally, Santander Brasil has expanded beyond traditional banking through partnerships and new ventures, including automotive listing platforms and digital insurance solutions, representing efforts to capture additional revenue streams from existing customer relationships.
BSBR company profile · for informational purposes only — not investment advice.
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