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Stock Ratings / Financials / BSBR
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Banco Santander Brasil SA American (BSBR) — RQD Stock Rating Cockpit

$4.51 +2.27% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $4.52

Banco Santander Brasil SA American (BSBR) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $34.14B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BSBR Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BSBR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Banco Santander Brasil SA American (NYSE: BSBR) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $4.51 (+2.27% 1D, market cap $34.14B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, BSBR ranks #634 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BSBR compare to KB and BAP in the Financials sector?
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Within the Financials sector (Commercial Banks), BSBR carries a Roarable D (50/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, KB (KB Financial Group Inc) holds a D+ grade (58/100 RQD, P/E 32.8x, ROIC 9.9%, cap $39.97B) and BAP (Credicorp Ltd.) posts a D+ grade (53/100 RQD, P/E 32.8x, ROIC 9.9%, cap $27.71B). Among the 5-stock peer group, BSBR leads on earnings multiple (32.8x) while BSBR leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BSBR?
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For Banco Santander Brasil SA American (BSBR), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #634 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $4.52 (+0.22%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 15.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510050
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D+
Cash (12)Whales (4)SEC (15)Macro (7)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE-3.5% Base Target
$8 Bull$4 Base$3 Bear
📬 FREE BSBR RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BSBR)Realized 20D OHLCV Swing Band: ±5.9%
Deterministic 5-Pillar Attribution (50/100 Composite)
🔍 WHY BSBR SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (30% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (24% of score)

SEC XBRL Trailing 12 Months: 15.8% FCF Margin ($754.6M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$5.77-4.3% Next Q
Q2 (-2Q)
55
Grade C$5.52-12.7% Next Q
Q3 (-1Q)
53
Grade C-$4.82-6.4% Next Q
Current
50
Grade D$4.51-1.4% Hist 90D α
Trajectory: C (58) → D (50)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a BSBR Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While BSBR currently carries a cautious 50/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Clean SEC annual filing review with no major hidden accounting time-bombs.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($5.62) and Max Pain ($4.74) forces dealer call-delta covering toward $7.69.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BSBR• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “BSBR Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 50%NO 50%Trade / Inspect Odds →
RSI-14 MOMENTUMOVERSOLD (<32)
29.130 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
8 / 99-Pt Accounting
52-WEEK LASER RANGE4% OF RANGE
L: $4$4.51H: $7
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 16 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 22 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on BSBR

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (60)

9.9% ROIC with 42.0% gross margin and 2.21% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (38)

16/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like BSBR
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BSBR)

  • ✓Walkthrough of BSBR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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BSBR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -21.84%🛡️ HOLDING TREND SUPPORT
2026-11-01O $4.54H $4.57L $4.51C $4.51VOL 10.48M
RES: $6.06SUP: $4.35SMA50: $5.62SMA200: $5.81
$6.20$5.71$5.21$4.72$4.23RES $6.06SUP $4.35$4.512026-05-042026-06-172026-08-042026-09-172026-11-01
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BSBR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BSBR Butterfly Map → + Track BSBR →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
25.3%/yr Implied 5Y Growth

vs. +17.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BSBR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BSBR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BSBR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BSBR)

Financials Rank #634 of 1097 ⚔️ KB vs BSBR Full Matrix →

1. Head-to-Head Financials Peer Comparison (BSBR vs. KB, BAP, CIB, NWG)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Banco Santander Brasil SA American (BSBR) ranks #634 by composite RQD confidence (50/100, grade D) and #86 by equity capitalization ($34.14B). Within this direct 5-issuer industry benchmark cohort, BSBR leads on earnings valuation at 32.8x trailing P/E, while BSBR leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. KB currently holds the highest overall quantitative score in the immediate peer group at 58/100 (D+) compared with BSBR at 50/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BSBR ACTIVE
Banco Santander Brasil SA American
D 50/100 32.8x — 9.9% +2.27% $34.14B Benchmark Subject
KB
KB Financial Group Inc
D+ 58/100 32.8x — 9.9% -0.70% $39.97B /kb-vs-bsbr →
BAP
Credicorp Ltd.
D+ 53/100 32.8x — 9.9% +0.58% $27.71B /bap-vs-bsbr →
CIB
Grupo Cibest S.A. American
D+ 58/100 32.8x — 9.9% +0.05% $22.30B /cib-vs-bsbr →
NWG
NatWest Group plc American
D 51/100 32.8x — 9.9% +1.88% $61.49B /nwg-vs-bsbr →

2. BSBR Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Banco Santander Brasil SA American (BSBR) operates in Commercial Banks (Financials) with an equity capitalization of $34.14B, trailing P/E of 32.8x, forward P/E of 27.6x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 8/9.

3. BSBR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BSBR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Banco Santander Brasil SA American (NYSE: BSBR) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $4.51 (+2.27% 1D, market cap $34.14B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, BSBR ranks #634 in composite RQD confidence.

How does BSBR compare to KB and BAP in the Financials sector?

Within the Financials sector (Commercial Banks), BSBR carries a Roarable D (50/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, KB (KB Financial Group Inc) holds a D+ grade (58/100 RQD, P/E 32.8x, ROIC 9.9%, cap $39.97B) and BAP (Credicorp Ltd.) posts a D+ grade (53/100 RQD, P/E 32.8x, ROIC 9.9%, cap $27.71B). Among the 5-stock peer group, BSBR leads on earnings multiple (32.8x) while BSBR leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BSBR?

For Banco Santander Brasil SA American (BSBR), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #634 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BSBR trading relative to its 50-day, 200-day, and 52-week technical levels?

BSBR last traded at $4.51 (+2.27% on volume of 6,543,771 shares), positioning the stock -19.75% below its 50-day simple moving average ($5.62) and -22.38% below its 200-day simple moving average ($5.81). Across its 52-week range of $4.38 to $7.32, BSBR sits at the 4.4% percentile with a 14-day RSI of 29.1 (OVERSOLD (<32)) and an implied next-earnings move of ±5.9% ($4.24 to $4.78).

Direct Sub-Reports: BSBR RQD Cockpit BSBR 12M Forecast BSBR Earnings & Move BSBR Dividends & DRIP BSBR Insiders & 13F BSBR Whale Options BSBR Profit Sankey BSBR News & Why
ROARABLE RATING BRIEF • RQD 50/100 (D) ✓ SEC XBRL & RQD VERIFIED

BSBR — Banco Santander Brasil SA American: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

Banco Santander Brasil SA American (BSBR) earns a live Roarable RQD composite score of 50/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $4.51 (+2.27% 1D, market capitalization $34.14B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 9.9%, gross margin of —, operating margin of 13.9%, and free cash flow yield of 2.21%.
  • Whale 13F & Options Flow (4/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (15/20): Incorporates a 0.91x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Banco Santander Brasil SA American is listed on the NYSE under BSBR and classified in the Financials sector, Commercial Banks industry,. — for the remaining business detail.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 50/100): Clean SEC annual filing review with no major hidden accounting time-bombs. Free cash flow yield of 2.21% and institutional whale pillar of 4/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 4/20, sustained execution supports upside toward the upper end of the $4.38 – $7.32 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 32.8x trailing P/E and 21.0x EV/EBITDA against 13.9% operating margins and a 0.91x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Commercial Banks (Financials), BSBR carries a macro regime beta of 0.91 and gross margin of —.

  • Key Question #1: Can BSBR sustain or expand its 13.9% operating margin and 9.9% ROIC against Commercial Banks peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (2.21% FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $7.32 52-week high?
  • Key Question #3: How sensitive is BSBR's 27.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.91x)?

BSBR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Banco Santander Brasil SA American (BSBR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BSBR Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BSBR Bull vs. Bear Conversation Board — What's Your Call at $4.51?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BSBR 🐻 33% BEARISH CONVICTION
1. Pick Your Side on BSBR:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $5.99 (+31.1%)
📌 Pinned Debate

Forensic balance sheet scores 15/20 with Altman Z 2.5, Piotroski F 8/9, and Debt/Equity 0.5, the strongest pillar in the rating.

Don't sleep on BSBR's setup in Financials. Forensic balance sheet scores 15/20 with Altman Z 2.5, Piotroski F 8/9, and Debt/Equity 0.5, the strongest pillar in the rating.. Beta of 0.91 means it moves fast when momentum turns, and the 5-pillar RQD gauge (50/100) backs up the fundamental quality.

RetailWhale_TX 🐂 BULL

Both sides have a point here — BSBR's 15/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $3.88 (-15.1%)
Spot @ $4.57

Whale 13F Flow scores 4/20 while the stock trades at a 32.8 P/E against a 2.21% FCF yield, leaving valuation weakly supported.

Fading this rally in BSBR at $4.57. Whale 13F Flow scores 4/20 while the stock trades at a 32.8 P/E against a 2.21% FCF yield, leaving valuation weakly supported.. With a beta of 0.91 and the stock sitting at $4.57 (52-wk range $4.38–$7.32), the easy multiple expansion is already priced in.

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