12 Most Promising Stocks Under $20

10. Banco Santander Brasil (NYSE:BSBR)

Banco Santander Brasil (NYSE:BSBR) is one of the most promising stocks under $20. On February 4, Banco Santander reported financial performance for Q4 2025, signaling a transition toward a more profitable mid-term journey. The bank achieved a quarterly net income of BRL 4.1 billion, representing a 6% year-over-year increase, while maintaining an ROE of 17.6%. Management emphasized that these results are a key intermediate step toward the company’s ultimate target of over 20% ROE, driven by a customer base that has grown to ~64 million active clients.

A core theme of the quarter was the aggressive push into AI-driven transformation and hyper-personalization. The company’s CEO noted that 60% of all customer interactions are now personalized, utilizing a new CRM platform to integrate market data and customer context. The bank is using AI for two main purposes: Efficiency, to automate processes like fraud detection & ombudsman tasks, and Growth, such as the ‘Pitch Maker’ tool, which generates personalized investment advice for advisors in just 30 seconds. This contributed to a reduction in the cost to serve, particularly in the low-income segment, where costs fell by 43% over two years.

Banco Santander saw double-digit growth in its Consumer Finance, SME (Small and Medium Enterprises), and Credit Card segments, all of which grew by ~13% year-on-year. The bank’s funding mix is also evolving favorably, reaching a 50/50 balance between corporate and individual deposits. For 2026, Banco Santander Brasil (NYSE:BSBR) is focusing on disciplined pricing and its Gravity project, which is a massive migration from mainframe systems to a more efficient, modern cloud platform.

Banco Santander Brasil (NYSE:BSBR), together with its subsidiaries, provides various banking products & services to individuals, small & medium enterprises, and corporate customers in Brazil & internationally. It operates in two segments: Commercial Banking and Global Wholesale Banking.