Banco do Brasil SA AI Stock Analysis
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Banco do Brasil SA (BDORY) AI Stock Analysis
Banco do Brasil SA
(Other OTC:BDORY)
Weak financial performance with margin and leverage pressures plus bearish technicals are the dominant drags; attractive valuation offers meaningful support while earnings call underscores agricultural credit challenges.
Banco do Brasil SA (BDORY) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $17.70B
- Dividend Yield
- 3.95%
- Average Volume (3M)
- 1.04M
- Price to Earnings (P/E)
- 7.9
- Beta (1Y)
- 0.36
- Revenue Growth
- 20.12%
- EPS Growth
- -16.71%
- Country
- US
- Employees
- 85,953
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Banco do Brasil SA Business Overview & Revenue Model
Company Description
Banco do Brasil S.A. (BDORY) is a prominent financial institution that, through its various subsidiaries, offers a comprehensive range of banking and financial services. Its operations span both Brazil and international territories, serving a diverse...
How the Company Makes Money
Banco do Brasil makes money primarily through a mix of interest-based income and fee-based financial services across its banking and related businesses. A major driver is net interest income: it earns interest and similar revenue on loans and credit...
Banco do Brasil SA Earnings Call Summary
The call was dominated by severe agricultural-credit deterioration, elevated provisions, depressed profitability, capital pressure, and reduced shareholder distributions. Management highlighted strong NII and fee-income growth, operating discipline, new risk controls, digital capabilities, and multiple capital-reinforcement initiatives, but acknowledged that the recovery will not be immediate and that the fourth quarter of 2026 and first quarter of 2027 will remain challenging.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management guided to a CET1 target of 10.5% for 2027, said it does not expect CET1 below 10% in a longer time frame, and would like to be delivering 11%; beginning 2027, it expects a worsening, a usage of CET1, approximately 40 bps because of regulatory aspects, while converting DTAs could potentially add 120 bps extra capital during '27, with BRL 12 billion to BRL 14 billion of DTAs eligible for conversion. Fourth quarter '26 and first quarter '27 will also be challenging, with smaller profitability than before the delinquency increase in the agri book, while the plan assumes a recovery in results, reduction in delinquency in the agri book, and growth in higher risk-adjusted return loans, especially payroll loans. The 2026 payout was reduced to the mandatory minimum of 25%; management also said the 2027 payout will be assessed at the end of 2027, while the 10.5% target does not contemplate payout, and portfolio volume in 2027 could be even lower than what is being delivered in 2026, with the agribusiness portfolio growing less but not shrinking.
Banco do Brasil SA Financial Statement Overview
Summary
Revenue grew but net margins compressed to ~4% with declining net income; balance sheet shows higher leverage and lower ROE; cash flows positive yet volatile with sharply negative FCF growth.
Income Statement
42NeutralBalance Sheet
48NeutralCash Flow
55Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 293.59B | 342.86B | 310.75B | 125.47B | 123.25B | 168.71B |
| Gross Profit | 125.58B | 59.72B | 141.76B | 125.47B | 123.11B | 99.78B |
| EBITDA | 11.34B | 3.78B | 32.82B | 1.20B | 49.98B | 31.12B |
| Net Income | 12.23B | 13.43B | 26.36B | 29.86B | 31.11B | 19.71B |
Balance Sheet | ||||||
| Total Assets | 2.58T | 2.46T | 2.40T | 2.15T | 2.03T | 1.93T |
| Cash, Cash Equivalents and Short-Term Investments | 144.80B | 200.87B | 252.07B | 194.53B | 168.68B | 130.12B |
| Total Debt | 1.14T | 163.43B | 170.14B | 142.19B | 155.20B | 171.95B |
| Total Liabilities | 2.40T | 2.26T | 2.21T | 1.98T | 1.87T | 1.79T |
| Stockholders Equity | 181.70B | 189.21B | 179.62B | 169.24B | 160.57B | 142.00B |
Cash Flow | ||||||
| Free Cash Flow | 91.97B | 151.89B | 121.46B | 11.71B | 58.10B | -51.10B |
| Operating Cash Flow | 97.90B | 159.25B | 127.21B | 16.74B | 64.69B | -46.19B |
| Investing Cash Flow | -105.54B | -168.39B | -93.49B | 21.64B | -17.88B | -53.28B |
| Financing Cash Flow | 3.55B | -6.84B | -21.36B | -34.34B | -26.98B | -23.78B |
Banco do Brasil SA Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BDORY, the sentiment is Negative. The current price of 3.05 is below the 20-day moving average (MA) of 3.73, below the 50-day MA of 4.23, and below the 200-day MA of 4.30, indicating a bearish trend. The MACD of -0.40 indicates Positive momentum. The RSI at 30.05 is Neutral, neither overbought nor oversold. The STOCH value of 49.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BDORY.
Banco do Brasil SA Peers Comparison
Overall Rating
CIB73Outperform
BCH69.6Neutral
BSAC61.4Neutral
BBD57Neutral- BDORY53Neutral
BSBR51Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CIB | 73Outperform | $23.90B | 9.43 | 20.04% | 4.26% | 15.64% | 10.35% |
| BCH | 70Neutral | $19.82B | 16.19 | 21.27% | 5.58% | 3.85% | 3.99% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BSAC | 61Neutral | $15.23B | 13.77 | 22.03% | 4.57% | 17.78% | 9.86% |
| BBD | 57Neutral | $27.86B | 5.47 | 14.24% | 5.76% | 29.04% | 34.36% |
| BDORY | 53Neutral | $17.52B | 7.86 | 6.55% | 3.95% | 20.12% | -16.71% |
| BSBR | 51Neutral | $18.60B | 33.41 | 10.09% | 3.01% | 18.27% | 16.65% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BDORY | Banco do Brasil S.A. | 3.05 | -1.23 | -28.80% | |
| BBD | Banco Bradesco | 2.57 | -0.91 | -26.15% | |
| BCH | Banco De Chile | 39.22 | 4.43 | 12.73% | |
| BSBR | Banco Santander Brasil SA | 4.90 | -1.16 | -19.16% | |
| BSAC | Banco Santander-Chile | 32.43 | 4.30 | 15.30% | |
| CIB | Grupo Cibest S.A. | 91.99 | 32.59 | 54.86% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 12, 2026