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

1,646 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
UK Scale Via TSB AcquisitionClosing the TSB acquisition meaningfully expands Santander's UK retail footprint and SME customer base, creating durable scale benefits. Greater branch and deposit share improves cross-sell, fee income potential and geographic diversification, supporting steadier retail earnings over time.
Improving Profitability And Revenue GrowthSustained revenue expansion and margin normalization to ~11.8% in 2025 indicate the bank has recovered operating leverage after pandemic volatility. Stronger core profitability enhances internal capital generation potential and underpins ability to fund growth, dividends and regulatory buffers.
Active Capital Return & BuybackA large, executed share buyback signals management confidence in capital adequacy and earnings durability. Reducing share count materially supports EPS and ROE over time, and reflects disciplined capital allocation within regulatory constraints, benefitting long-term shareholder returns.
Bears Say
Elevated LeverageMaterially higher leverage increases sensitivity to funding and credit conditions and reduces balance-sheet flexibility. Elevated debt levels constrain capacity to absorb macro shocks, limit room for organic or acquisitive growth without issuing new capital, and can pressure regulatory ratios.
Weak Recent Cash GenerationNegative operating and free cash flow in consecutive years weakens the bank's internal funding ability for dividends, buybacks and organic investment. Persistent cash weakness forces reliance on external funding or capital markets, raising funding costs and reducing financial resiliency.
Reliance On Contingent Capital (AT1)Dependence on AT1 issuance to bolster regulatory capital increases complexity and recurring funding costs. AT1s carry loss-absorption features and investor pricing premia; heavy use can signal limited organic buffer and heighten refinancing/market-risk in stressed conditions, constraining capital policy flexibility.

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 $8.28 and its highest was $14.39 in the past 12 months.
    What is Banco Santander US’s market cap?
    Banco Santander US’s market cap is $201.83B.
      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 11 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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                      Ownership Overview

                      0.09%<0.01%99.78%
                      Insiders
                      <0.01% Other Institutional Investors
                      99.78% Public Companies and
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