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Banco Santander US (SAN)
NYSE:SAN
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Banco Santander SA (SAN) Price & Analysis

1,642 Followers

SAN Stock Chart & Stats

$12.81
-$0.04(-0.85%)
At close: 4:00 PM EST
$12.81
-$0.04(-0.85%)

Bulls Say, Bears Say

Bulls Say
Improving ProfitabilitySantander's net profit margin rising to ~11.8% in 2025 reflects a durable recovery in operating profitability after earlier losses. Sustained margin improvement supports internal capital generation and return on equity, helping absorb cyclical shocks and underpin longer-term earnings capacity if margins remain above recent troughs.
Diversified Global Retail FranchiseSantander's multi-geography retail and commercial banking footprint and presence in wealth, payments and corporate banking diversify revenue sources. This business mix reduces reliance on any single market or cyclical revenue stream, supporting more stable net interest and fee income over a multi-month horizon and resilience through economic cycles.
Active Capital Returns And Sizable Equity BaseA large, well-executed buyback program that retired a material share portion signals management confidence in capital position and earnings durability. Coupled with equity growth to ~$103B, this supports ROE and EPS trends structurally, and indicates the bank can return capital while meeting regulatory constraints if earnings remain stable.
Bears Say
Elevated LeverageLeverage rising to roughly 4.8–4.9x materially increases sensitivity to funding costs and credit conditions. Higher gearing reduces balance-sheet flexibility, limits capacity to absorb credit losses or fund growth organically, and can pressure regulatory ratios and strategic optionality during adverse macro periods.
Weak Recent Cash GenerationNegative operating and free cash flow across 2024–2025 weakens the bank's ability to self-fund dividends, buybacks and loan growth without tapping markets. After prior strong cash cycles, this deterioration makes capital actions more dependent on external financing and elevates execution risk on long-term capital return plans.
Dependence On Costly AT1 CapitalIssuing high-coupon contingent convertible AT1 securities indicates reliance on hybrid, relatively expensive capital to meet regulatory buffers. AT1s are loss-absorbing and can increase average funding costs, signaling limited near-term room to raise cheaper core equity and creating potential volatility in capital structure under stress.

Banco Santander SA News

SAN FAQ

What was Banco Santander US’s price range in the past 12 months?
Banco Santander US lowest stock price was $7.86 and its highest was $13.78 in the past 12 months.
    What is Banco Santander US’s market cap?
    Banco Santander US’s market cap is $201.20B.
      When is Banco Santander US’s upcoming earnings report date?
      Banco Santander US’s upcoming earnings report date is Jul 22, 2026 which is in 29 days.
        How were Banco Santander US’s earnings last quarter?
        Banco Santander US released its earnings results on Apr 29, 2026. The company reported $0.421 earnings per share for the quarter, beating the consensus estimate of $0.281 by $0.14.
          Is Banco Santander US overvalued?
          According to Wall Street analysts Banco Santander US’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Banco Santander US pay dividends?
            Banco Santander US pays a Semiannually dividend of $0.172 which represents an annual dividend yield of 1.85%. See more information on Banco Santander US dividends here
              What is Banco Santander US’s EPS estimate?
              Banco Santander US’s EPS estimate is 0.3.
                How many shares outstanding does Banco Santander US have?
                Banco Santander US has 14,689,319,000 shares outstanding.
                  What happened to Banco Santander US’s price movement after its last earnings report?
                  Banco Santander US reported an EPS of $0.421 in its last earnings report, beating expectations of $0.281. Following the earnings report the stock price went down -0.752%.
                    Which hedge fund is a major shareholder of Banco Santander US?
                    Currently, no hedge funds are holding shares in SAN
                    What is the TipRanks Smart Score and how is it calculated?
                    Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                      Company Description

                      Banco Santander US

                      Banco Santander, S.A. operates as a global financial institution, delivering a comprehensive suite of retail and commercial banking products and services. It caters to a diverse clientele, including individual consumers, small and medium-sized enterprises (SMEs), and major corporations across the world. The bank's extensive offerings encompass various deposit options, such as checking, savings, and fixed-term accounts. Its lending solutions span mortgages, consumer finance, syndicated corporate loans, and structured financing. Additionally, Santander provides critical business services like cash management, export and agency finance, trade and working capital solutions, and corporate finance, alongside a range of insurance products. The institution further specializes in cash, asset, and wealth management, as well as private banking services. Its operations also extend to corporate banking, treasury functions, risk hedging, foreign trade services, confirming, custody, and investment banking. These services are facilitated by its expansive network of 9,879 branches. Established in 1856 and based in Madrid, Spain, the company adopted its current name, Banco Santander, S.A., in June 2007, having previously been known as Banco Santander Central Hispano S.A.

                      Banco Santander SA (SAN) Earnings & Revenues

                      SAN Company Deck

                      SAN Earnings Call

                      Q1 2026
                      0:00 / 0:00
                      Earnings Call Sentiment|Positive
                      The call presented a strong set of FY'25 results with multiple encouraging metrics (record profit, customer growth, higher RoTE, improved efficiency, fee momentum, strong wealth/CIB/payments performance) and a clear strategic rationale for the Webster bolt-on to accelerate U.S. returns. Key near-term negatives are the expected CET1 compression (~140 bps), sizable integration and restructuring costs (EUR ~800m), shareholder dilution from the share consideration, and some operational timing risk (delayed Openbank rollout). Management emphasized disciplined capital hierarchy, conservative synergy recognition and pathways to restore CET1 above 13% by 2027, and set ambitious group RoTE targets (>20% by 2028). Overall, the positives — strong underlying results, credible transformation gains, and an acquisition with quantified synergies and accretion — outweigh the near-term capital and execution headwinds.View all SAN earnings summaries

                      SAN Stock 12 Month Forecast

                      Average Price Target

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<span style=\"color:#828080\" class=\"mb3 mt2 fonth8_semibold\"> Hold</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 0,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 0, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#828080","enabled":true,"symbol":"circle"}},{"y":8.121,"date":1751328000000,"info":" <span style=\"color:#828080\" class=\"mb3 mt2 fonth8_semibold\"> Hold</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 0,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 0, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#828080","enabled":true,"symbol":"circle"}},{"y":8.248,"date":1754006400000,"info":" <span style=\"color:#828080\" class=\"mb3 mt2 fonth8_semibold\"> Hold</span>\n            <div 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                      Ownership Overview

                      0.03%0.94%98.90%
                      Insiders
                      0.94% Other Institutional Investors
                      98.90% Public Companies and
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