Banco de Sabadell (SAB) AI Stock Analysis

• Market Cap: €15.71B
• Dividend Yield: 7.43%
• Average Volume (3M): 16.12M
• Price to Earnings (P/E): 42.8
• Beta (1Y): 1.22
• Revenue Growth: -6.77%
• EPS Growth: -39.63%
• Country: ES
• Employees: 18,936
• Sector: General
• Sector Strength: N/A
• Industry: Banks - Diversified
• EPS (TTM): 0.08
• Shares Outstanding: 5,023,677,700
• 10 Day Avg. Volume: 18,836,257
• 30 Day Avg. Volume: 16,119,384
• PEG Ratio: 0.00
• Price to Book (P/B): 1.33
• Price to Sales (P/S): 2.40
• P/FCF Ratio: 1.94
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €3.40
• Price Target Upside: 8.63% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 7
• EPS Forecast (FY): 0.31
• Revenue Forecast (FY): €5.37B

• Rating: 66 Neutral
• Price Target: €3.00 ▼(-4.15% Downside)
• Action: Downgraded Date: 02/23/26
• Date: Action: Downgraded 02/23/26

The score is driven mainly by improving profitability and strong recent cash generation, tempered by elevated/variable leverage and a sharp 2025 revenue decline. Valuation is a clear positive (low P/E and high dividend yield), while technical signals are neutral with slightly negative MACD.

Positive Factors

Improved profitability

Net income rising to €1.77B with sustained net profit margins (~20–32% in 2022–2025) indicates the bank has restored core profitability. That stronger earnings base improves internal capital generation, resilience to cyclical shocks, and supports ongoing lending and shareholder returns.

Negative Factors

Sharp revenue decline

An 18.9% year-over-year revenue drop in 2025 after prior growth highlights top-line vulnerability. Sustained revenue weakness would pressure margins and the durability of recent profits, forcing reliance on cost cuts, one-offs, or margin expansion to sustain earnings over the medium term.

Banco de Sabadell Business Overview & Revenue Model

Company Description

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 ...

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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 ...

How the Company Makes Money

Banco de Sabadell primarily earns revenue by operating as a deposit-taking bank and lending those funds to customers. Key revenue streams typically include: (1) Net interest income: income generated from interest on loans (e.g., mortgages, consume...

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Banco de Sabadell primarily earns revenue by operating as a deposit-taking bank and lending those funds to customers. Key revenue streams typically include: (1) Net interest income: income generated from interest on loans (e.g., mortgages, consume...

Banco de Sabadell Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	9.58B	7.77B	5.71B	4.99B	4.34B	4.06B
Gross Profit	6.02B	4.64B	1.41B	5.55B	4.34B	4.06B
EBITDA	2.79B	2.32B	3.01B	0.00	1.82B	678.83M
Net Income	1.72B	1.77B	1.83B	1.33B	889.39M	530.24M
Balance Sheet
Total Assets	252.37B	245.39B	239.60B	235.17B	251.38B	251.95B
Cash, Cash Equivalents and Short-Term Investments	27.20B	33.33B	31.92B	37.14B	46.12B	50.38B
Total Debt	57.49B	43.47B	45.14B	50.85B	64.40B	22.84B
Total Liabilities	237.88B	231.31B	224.57B	221.29B	238.16B	238.95B
Stockholders Equity	14.46B	14.05B	15.00B	13.84B	13.05B	12.97B
Cash Flow
Free Cash Flow	0.00	9.62B	5.82B	-11.06B	-7.06B	11.84B
Operating Cash Flow	0.00	9.92B	6.02B	-10.52B	-6.63B	12.34B
Investing Cash Flow	0.00	-8.48B	-17.33B	-163.02M	-64.80M	419.59M
Financing Cash Flow	0.00	-2.42B	-382.29M	-617.00M	-1.24B	1.10B

Banco de Sabadell Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 3.13
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:SAB, the sentiment is Neutral. The current price of 3.13 is above the 20-day moving average (MA) of 3.05, below the 50-day MA of 3.16, and below the 200-day MA of 3.14, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 53.13 is Neutral, neither overbought nor oversold. The STOCH value of 70.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ES:SAB.

Banco de Sabadell Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CABK	70 Outperform	€73.58B	12.30	15.47%	4.05%	-7.50%	12.76%
BBVA	68 Neutral	€107.46B	11.93	18.53%	3.39%	5.66%	8.16%
SAB	66 Neutral	€15.71B	42.77	12.39%	7.43%	-6.77%	-39.63%
BKT	64 Neutral	€12.43B	11.67	16.71%	3.64%	-7.12%	15.96%
SAN	60 Neutral	€146.55B	10.62	13.89%	1.82%	-16.49%	14.32%
Sector *	55 Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%