SAB Stock Overview
Banco de Sabadell, S.A. provides banking products and services to personal, business, and private customers in Spain and internationally.
Banco de Sabadell Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€0.79|
|52 Week High||€0.95|
|52 Week Low||€0.50|
|1 Month Change||1.33%|
|3 Month Change||-5.38%|
|1 Year Change||21.51%|
|3 Year Change||-21.99%|
|5 Year Change||-56.47%|
|Change since IPO||-83.51%|
Recent News & Updates
|SAB||ES Banks||ES Market|
Return vs Industry: SAB exceeded the Spanish Banks industry which returned -4.4% over the past year.
Return vs Market: SAB exceeded the Spanish Market which returned -7.8% over the past year.
|SAB Average Weekly Movement||8.2%|
|Banks Industry Average Movement||6.6%|
|Market Average Movement||4.4%|
|10% most volatile stocks in ES Market||8.1%|
|10% least volatile stocks in ES Market||1.2%|
Stable Share Price: SAB is more volatile than 90% of Spanish stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: SAB's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of Spanish stocks.
About the Company
|1881||18,985||Cesar Gonzalez-Bueno Wittgenstein||https://www.bancsabadell.com|
Banco de Sabadell, S.A. provides banking products and services to personal, business, and private customers in Spain and internationally. The company offers retail banking products, such as current and savings accounts, personal loans, cards, and mortgages. It also provides financial products and services to large and medium enterprises, SMEs, shops and self-employed workers, private individuals, and professionals; and consumer finance, asset management, and bancassurance services.
Banco de Sabadell Fundamentals Summary
|SAB fundamental statistics|
Is SAB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SAB income statement (TTM)|
|Cost of Revenue||€0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.10|
|Net Profit Margin||13.13%|
How did SAB perform over the long term?See historical performance and comparison
3.8%Current Dividend Yield
Is Banco de Sabadell undervalued compared to its fair value and its price relative to the market?
Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SAB (€0.79) is trading below our estimate of fair value (€0.86)
Significantly Below Fair Value: SAB is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: SAB is poor value based on its Price-To-Earnings Ratio (7.9x) compared to the Spanish Banks industry average (7.2x).
PE vs Market: SAB is good value based on its Price-To-Earnings Ratio (7.9x) compared to the Spanish market (18.1x).
Price to Earnings Growth Ratio
PEG Ratio: SAB is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: SAB is good value based on its Price-To-Book Ratio (0.3x) compared to the ES Banks industry average (0.6x).
How is Banco de Sabadell forecast to perform in the next 1 to 3 years based on estimates from 17 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SAB's forecast earnings growth (15.4% per year) is above the savings rate (0.9%).
Earnings vs Market: SAB's earnings (15.4% per year) are forecast to grow faster than the Spanish market (13% per year).
High Growth Earnings: SAB's earnings are forecast to grow, but not significantly.
Revenue vs Market: SAB's revenue (4.1% per year) is forecast to grow slower than the Spanish market (4.3% per year).
High Growth Revenue: SAB's revenue (4.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SAB's Return on Equity is forecast to be low in 3 years time (5.6%).
How has Banco de Sabadell performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SAB has a large one-off loss of €447.0M impacting its March 31 2022 financial results.
Growing Profit Margin: SAB became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: SAB's earnings have declined by 28% per year over the past 5 years.
Accelerating Growth: SAB has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: SAB has become profitable in the last year, making it difficult to compare its past year earnings growth to the Banks industry (35.2%).
Return on Equity
High ROE: SAB's Return on Equity (5.3%) is considered low.
How is Banco de Sabadell's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: SAB's Assets to Equity ratio (19.6x) is moderate.
Allowance for Bad Loans: SAB has a low allowance for bad loans (57%).
Low Risk Liabilities: 87% of SAB's liabilities are made up of primarily low risk sources of funding.
Loan Level: SAB has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: SAB's Loans to Deposits ratio (77%) is appropriate.
Level of Bad Loans: SAB has a high level of bad loans (3.5%).
What is Banco de Sabadell current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SAB's dividend (3.79%) is higher than the bottom 25% of dividend payers in the Spanish market (1.82%).
High Dividend: SAB's dividend (3.79%) is low compared to the top 25% of dividend payers in the Spanish market (5.44%).
Stability and Growth of Payments
Stable Dividend: SAB has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: SAB's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (30.1%), SAB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SAB's dividends in 3 years are forecast to be well covered by earnings (39.2% payout ratio).
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Cesar Gonzalez-Bueno Wittgenstein (61 yo)
Mr. Cesar Gonzalez-Bueno Mayer Wittgenstein is Chief Executive Officer since March 18, 2021 and Executive Director at Banco de Sabadell, S.A. since December 17, 2020. Mr. Wittgenstein had been Non-Executiv...
CEO Compensation Analysis
Compensation vs Market: Cesar Gonzalez-Bueno's total compensation ($USD2.38M) is above average for companies of similar size in the Spanish market ($USD1.40M).
Compensation vs Earnings: Insufficient data to compare Cesar Gonzalez-Bueno's compensation with company performance.
Experienced Management: SAB's management team is considered experienced (3.3 years average tenure).
Experienced Board: SAB's board of directors are considered experienced (7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Banco de Sabadell, S.A.'s employee growth, exchange listings and data sources
- Name: Banco de Sabadell, S.A.
- Ticker: SAB
- Exchange: BME
- Founded: 1881
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: €4.419b
- Shares outstanding: 5.59b
- Website: https://www.bancsabadell.com
Number of Employees
- Banco de Sabadell, S.A.
- Avenida Óscar Esplá, 37
- Valencian Community
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/24 00:00|
|End of Day Share Price||2022/05/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.