Subscribe

Banco de Sabadell, S.A. (SAB.MC)

EUR2.83 -0.03 (-1.01%)
ES BME Financial Services Banks - Diversified
Address Avenida Óscar Esplá, 37 3007
Alicante, ES
CEO Cesar Gonzalez-Bueno Mayer Wittgenstein
IPO 2000-01-03
ISIN ES0113860A34

Explore sections of this company profile

Also trades on Madrid Stock Exchange · SAB.MC (EUR) Other OTC · BNDSF (USD) Other OTC · BNDSY (USD)
Description

Established in Alicante, Spain, in 1881, Banco de Sabadell, S.A. offers a comprehensive suite of banking and financial services to a diverse clientele, including individuals, businesses, and private customers, both within Spain and globally. Its retail banking portfolio features common products such as checking and savings accounts, various loan types (including personal and mortgages), and payment cards. The institution also provides specialized financial solutions to a wide range of enterprises, from small and medium-sized businesses (SMEs) to larger corporations, as well as shops and self-employed professionals. Additionally, it engages in consumer lending, asset management, and bancassurance services. For corporate clients, the bank delivers sophisticated financing options, transactional banking support, and customized financial, treasury, and import/export solutions. Furthermore, Banco de Sabadell supplies insurance and pension products. As of December 31, 2021, the company operated a network of 1,593 branches.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
EUR2.83 -0.03 (-1.01%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
22M
Beta
0.51
Float Shares
4.96B
Free Float %
99.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.92% -3.01% +0.86% +5.05% +1.17% -2.43% +21.78% +256.23% +392.51% +119.20% +20.00%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
2.83
DCF (Unlevered) 13.00 +359.5%
DCF (Levered) 7.75 +174.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 39% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 7 0
Hold 10 -2
Sell 0 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.13
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    +36.1% Q1'26: -32.3% (vs Q1'25)
  • EPS growth
    +0.0% Q1'26: +217.6% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +23.6% (vs Q1'25)
  • ROIC
    Q1'26: +2.0% (vs Q1'25)
  • Share dilution
    +3.1% Q1'26: -5.6% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 28.38× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.56) × ERP
WACC = 30% × Ke + 70% × Kd (6.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 12.93 Current price: 2.83
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
14 Rev. Ana.
13 EPS Ana.
Dec 2027
14 Rev. Ana.
15 EPS Ana.
Dec 2028
13 Rev. Ana.
14 EPS Ana.
Dec 2029
12 Rev. Ana.
8 EPS Ana.
Revenue
5.83B
est: 5.41B (+7.7%)
5.65B
est: 5.47B (+3.2%)
5.89B
est: 5.71B (+3.2%)
5.57B
est: 5.03B (+10.8%)
5.43B
est: 4.95B (+9.8%)
3.66B
est: 4.96B (-26.2%)
4.06B
est: 4.98B (-18.4%)
4.34B
est: 5.13B (-15.4%)
4.99B
est: 5.31B (-6.2%)
5.71B
est: 6.29B (-9.2%)
7.77B
est: 6.26B (+24.1%)
5.31B
4.99B – 5.81B
-15.2% YoY
5.36B
5.25B – 5.53B
+1.0% YoY
5.58B
5.56B – 5.59B
+4.0% YoY
5.71B
5.47B – 6.06B
+2.3% YoY
EBITDA
1.69B
est: 1.41B (+19.6%)
1.34B
est: 1.43B (-5.9%)
941.81M
est: 1.49B (-36.6%)
est: 1.31B (-100.0%)
1.36B
est: 1.29B (+5.9%)
267.27M
est: 1.29B (-79.3%)
678.83M
est: 1.30B (-47.7%)
1.82B
est: 1.34B (+36.1%)
est: 1.50B (-100.0%)
3.01B
est: 1.78B (+69.6%)
2.32B
est: 1.77B (+31.4%)
1.50B
1.41B – 1.64B
-15.2% YoY
1.52B
1.48B – 1.56B
+1.0% YoY
1.58B
1.57B – 1.58B
+4.0% YoY
1.61B
1.55B – 1.71B
+2.3% YoY
EBIT
1.36B
est: 770.59M (+76.0%)
944.85M
est: 779.38M (+21.2%)
539.57M
est: 812.99M (-33.6%)
-353.10M
est: 716.30M (-149.3%)
894.65M
est: 704.64M (+27.0%)
-255.98M
est: 706.21M (-136.2%)
619.99M
est: 709.34M (-12.6%)
1.27B
est: 730.59M (+74.3%)
-518.97M
est: 968.86M (-153.6%)
2.51B
est: 1.15B (+119.1%)
1.90B
est: 1.14B (+66.7%)
968.55M
909.33M – 1.06B
-15.2% YoY
978.09M
957.66M – 1.01B
+1.0% YoY
1.02B
1.01B – 1.02B
+4.0% YoY
1.04B
997.86M – 1.10B
+2.3% YoY
Net Income
708.44M
est: 695.71M (+1.8%)
710.43M
est: 693.78M (+2.4%)
801.47M
est: 747.33M (+7.2%)
328.10M
est: 348.49M (-5.8%)
767.82M
est: 684.48M (+12.2%)
2.00M
est: -64.46M (+103.1%)
530.24M
est: 242.40M (+118.7%)
889.39M
est: 699.05M (+27.2%)
1.33B
est: 1.45B (-7.9%)
1.83B
est: 1.67B (+9.2%)
1.77B
est: 1.83B (-3.3%)
1.74B
1.45B – 1.96B
-5.0% YoY
1.61B
1.45B – 2.01B
-7.5% YoY
1.71B
1.70B – 2.20B
+6.1% YoY
2.01B
1.91B – 2.17B
+17.7% YoY
SGA
517.02M
est: 978.77M (-47.2%)
567.76M
est: 989.94M (-42.6%)
812.87M
est: 1.03B (-21.3%)
984.11M
est: 909.81M (+8.2%)
860.92M
est: 895.01M (-3.8%)
798.27M
est: 897.00M (-11.0%)
788.40M
est: 900.98M (-12.5%)
767.00M
est: 927.96M (-17.3%)
816.27M
est: 843.27M (-3.2%)
867.07M
est: 998.45M (-13.2%)
834.00M
est: 993.73M (-16.1%)
843.00M
791.46M – 921.29M
-15.2% YoY
851.30M
833.52M – 876.99M
+1.0% YoY
885.35M
883.04M – 887.67M
+4.0% YoY
905.52M
868.51M – 961.05M
+2.3% YoY
EPS
0.14
est: 0.13 (+8.2%)
0.13
est: 0.13 (+0.7%)
0.14
est: 0.14 (+0.7%)
0.06
est: 0.06 (-10.4%)
0.14
est: 0.13 (+10.0%)
-0.01
est: -0.01 (-6.8%)
0.08
est: 0.05 (+70.6%)
0.14
est: 0.13 (+7.7%)
0.23
est: 0.27 (-15.7%)
0.32
est: 0.30 (+7.4%)
0.32
est: 0.33 (-2.0%)
0.31
0.26 – 0.35
-5.9% YoY
0.32
0.26 – 0.36
+5.3% YoY
0.35
0.31 – 0.40
+8.5% YoY
0.36
0.34 – 0.39
+3.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-07 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-06 B- 3/5 5/5 4/5 3/5 1/5 1/5 1/5
2026-05-05 B- 3/5 5/5 4/5 3/5 1/5 1/5 1/5
2026-05-04 B- 3/5 5/5 4/5 3/5 1/5 1/5 1/5
2026-04-30 B- 3/5 5/5 4/5 3/5 1/5 1/5 1/5
2026-04-29 B- 3/5 5/5 4/5 3/5 1/5 1/5 1/5
2026-04-28 B- 3/5 5/5 4/5 3/5 1/5 1/5 1/5
2026-04-27 B- 3/5 5/5 4/5 3/5 1/5 1/5 1/5
2026-04-24 B 3/5 5/5 4/5 4/5 1/5 1/5 1/5
2026-04-23 B 3/5 5/5 4/5 4/5 1/5 1/5 1/5
2026-04-22 B 3/5 5/5 4/5 4/5 1/5 1/5 1/5
2026-04-21 B 3/5 5/5 4/5 4/5 1/5 1/5 1/5
2026-04-20 B 3/5 5/5 4/5 4/5 1/5 1/5 1/5
2026-04-17 B 3/5 5/5 4/5 4/5 1/5 1/5 1/5
2026-04-16 B 3/5 5/5 4/5 4/5 1/5 1/5 1/5
2026-04-15 B 3/5 5/5 4/5 4/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
657.87M
OE per share TTM
0.12
Owner's Yield
3.82%
Maintenance CapEx ratio
17.27%
Maint CapEx / Avg PPE
46.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
100.5K
Shares Outstanding
5.00B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Cesar Gonzalez-Bueno Mayer Wittgenstein Chief Executive Officer & Executive Director 4M male
Josep Oliu Creus Executive Chairman of the Board 2M male
David Vegara Figueras GM, Chief Risk Officer & Executive Director 1M male
Gerardo Artiach Head of Investor Relations
Gonzalo Barettino Coloma Assistant GM of Legal & Deputy-Secretary of the Board male
Manuel Tresánchez Montaner Deputy General Manager of Business Transformation & Marketing male
Sonia Quibus Rodriguez General Manager of People & Sustainability female
Virginia Zafra de Llera General Manager of Communication & Corporate Image
Elena Carrera Crespo General Manager of Operations & Technology
Federico Rodríguez Castillo Assistant General Manager of Compliance
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits