Banco de Sabadell, S.A. (BNDSF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Banco de Sabadell, S.A. (BNDSF) trades at $3.71 with AI Score 56/100 (Grade B). Banco de Sabadell, S. A. is a Spanish financial institution providing a wide range of banking products and services. Market cap: $18.04B, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for BNDSF: BNDSF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BNDSF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
BNDSF: 1/4 perspectives are bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Banco de Sabadell, S.A. (BNDSF) Financial Services Profile
Banco de Sabadell, S.A., founded in 1881, is a diversified bank offering retail, corporate, and investment banking services across Spain, the UK, and Mexico. With a market capitalization of $18.04B and a profit margin of 40.3%, the bank focuses on providing financial solutions to individuals, businesses, and large corporations.
What Is the Investment Thesis for BNDSF?
Banco de Sabadell presents a compelling investment case driven by its strong market position in Spain, the UK, and Mexico. With a profit margin of 40.3% and a return on equity of 9.6%, the bank demonstrates solid profitability and efficiency. The company's beta of 0.55 suggests lower volatility compared to the overall market. Growth catalysts include expansion in key markets and increased adoption of digital banking services. However, potential risks include economic downturns in its primary operating regions and increased competition from fintech companies. Investors should monitor the bank's ability to maintain its profitability and adapt to evolving market conditions.
Based on FMP financials and quantitative analysis
BNDSF Key Highlights
- Market capitalization of $18.04B indicates a substantial presence in the financial services sector.
- Profit margin of 40.3% showcases strong operational efficiency and profitability.
- Return on Equity (ROE) of 9.6% reflects effective utilization of shareholder equity.
- Beta of 0.55 suggests lower volatility compared to the broader market, potentially appealing to risk-averse investors.
- Operations in Spain, the United Kingdom, and Mexico provide geographical diversification and access to different markets.
Who Are BNDSF's Competitors?
BNDSF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BBVA Banco Bilbao Vizcaya Argentaria, S.A. | $26.11 | +1.97% | $145.46B | 53 |
| SAN Banco Santander, S.A. | $14.30 | +2.54% | $209.97B | 51 |
| ACGBF Agricultural Bank of China Limited | $0.64 | +4.20% | $225.47B | 68 |
| BCLYF Barclays PLC | $7.20 | +3.45% | $97.17B | 67 |
| BNS The Bank of Nova Scotia (BNS) | $86.79 | +1.63% | $106.41B | 67 |
| BCDRF Banco Santander, S.A. | $13.87 | -5.17% | $203.59B | 67 |
| BKFCF Bank of Communications Co., Ltd. | $0.92 | +0.00% | $81.29B | 56 |
| BNDSY Banco de Sabadell, S.A. | $7.30 | +0.81% | $17.75B | 56 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BNDSF's Key Strengths?
- Established presence in Spain, the UK, and Mexico.
- Diversified range of banking products and services.
- Strong profit margin of 40.3%.
- Experienced management team.
What Are BNDSF's Weaknesses?
- Exposure to economic conditions in Spain, the UK, and Mexico.
- Dependence on interest rates and regulatory changes.
- Competition from larger banks and fintech companies.
- Lack of dividend yield.
What Could Drive BNDSF Stock Higher?
- Expansion of digital banking services to attract new customers and reduce operational costs.
- Strategic partnerships with fintech companies to enhance service offerings and access innovative technologies.
- Growth initiatives in the Mexican market to increase market share and revenue.
- Focus on sustainable finance and ESG investing to attract socially responsible investors.
- Enhancement of corporate banking services to provide customized financial solutions to large corporations.
What Are the Key Risks for BNDSF?
- Financial-distress signal — its Altman Z-Score of 0.10 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns in Spain, the UK, and Mexico could negatively impact the bank's performance.
- Increased competition from fintech companies could erode market share.
- Regulatory changes and compliance costs could increase operational expenses.
- Cybersecurity risks and data breaches could damage the bank's reputation and financial stability.
- Dependence on interest rates and regulatory changes.
What Are the Growth Opportunities for BNDSF?
- Expansion in Digital Banking: Banco de Sabadell can capitalize on the growing trend of digital banking by enhancing its online and mobile platforms. The global digital banking market is expected to reach $16.1 trillion by 2027, growing at a CAGR of 9.5%. By investing in user-friendly interfaces and secure online services, the bank can attract and retain tech-savvy customers, increasing its market share and reducing operational costs. This expansion can be implemented over the next 2-3 years.
- Strategic Partnerships: Forming strategic alliances with fintech companies can provide Banco de Sabadell with access to innovative technologies and new customer segments. These partnerships can focus on areas such as digital payments, lending, and wealth management. The fintech market is projected to reach $305 billion by 2025, growing at a CAGR of 25%. By collaborating with fintech firms, the bank can enhance its service offerings and stay ahead of the competition. These partnerships can be established within the next 1-2 years.
- Growth in the Mexican Market: Banco de Sabadell has an opportunity to expand its presence in the Mexican market, which offers significant growth potential due to its large population and increasing financial inclusion. The Mexican banking sector is expected to grow at a CAGR of 7% over the next five years. By offering tailored financial products and services to meet the specific needs of Mexican customers, the bank can increase its market share and revenue. This expansion can be pursued over the next 3-5 years.
- Focus on Sustainable Finance: As environmental, social, and governance (ESG) factors become increasingly important to investors and customers, Banco de Sabadell can focus on offering sustainable finance products and services. The global ESG investing market is projected to reach $50 trillion by 2025. By incorporating ESG considerations into its lending and investment decisions, the bank can attract socially responsible investors and enhance its reputation. This focus can be implemented immediately and expanded over the next few years.
- Enhancing Corporate Banking Services: Banco de Sabadell can further strengthen its corporate banking services by providing customized financial solutions to large corporations and financial institutions. This includes offering structured finance, treasury, investment banking, trading, and custody services. The corporate banking market is expected to grow at a CAGR of 5% over the next five years. By delivering high-quality services and building strong relationships with corporate clients, the bank can increase its revenue and profitability. This enhancement can be pursued continuously.
What Opportunities Does BNDSF Have?
- Expansion in digital banking and fintech partnerships.
- Growth in the Mexican market.
- Focus on sustainable finance and ESG investing.
- Enhancement of corporate banking services.
What Threats Does BNDSF Face?
- Economic downturns in key markets.
- Increased competition from fintech companies.
- Regulatory changes and compliance costs.
- Cybersecurity risks and data breaches.
What Are BNDSF's Competitive Advantages?
- Established brand reputation and long operating history since 1881.
- Extensive branch network and customer base in Spain, the UK, and Mexico.
- Diversified range of banking products and services.
- Strong relationships with corporate clients and financial institutions.
What Does BNDSF Do?
Banco de Sabadell, S.A., established in 1881 and headquartered in Sabadell, Spain, is a prominent financial institution providing a comprehensive suite of banking products and services. The bank operates across three key geographies: Spain, the United Kingdom, and Mexico. Its offerings cater to a diverse clientele, including individuals, businesses, and large corporations. For individual customers, Banco de Sabadell provides retail banking products such as investment products, consumer loans, mortgages, leasing and rental services, and credit cards. The bank also offers tailored financial solutions for businesses, including working capital products, revolving loans, medium- and long-term finance, custom structured finance, and capital market solutions. These services are designed to support the growth and operational needs of small and medium-sized enterprises. Furthermore, Banco de Sabadell delivers corporate banking services to large corporations and financial institutions. These services encompass financial and advisory solutions, structured finance, treasury, investment banking, trading, custody, and research services. The bank's commitment to innovation and customer service has solidified its position as a key player in the financial services industry.
What Products and Services Does BNDSF Offer?
- Provides retail banking products including loans, mortgages, and credit cards.
- Offers investment products and financial planning services.
- Provides working capital and financing solutions for businesses.
- Offers custom structured finance and capital market solutions.
- Provides corporate banking services to large corporations and financial institutions.
- Offers treasury, investment banking, trading, and custody services.
- Provides banking services in Spain, the United Kingdom, and Mexico.
How Does BNDSF Make Money?
- Generates revenue through interest income from loans and mortgages.
- Earns fees from investment products and financial services.
- Provides corporate banking services for fees and interest.
- Offers treasury and investment banking services for fees.
What Industry Does BNDSF Operate In?
Banco de Sabadell operates in the highly competitive banking industry, facing challenges from traditional banks and emerging fintech companies. The industry is influenced by factors such as interest rates, regulatory changes, and technological advancements. The European banking sector is currently navigating a period of low interest rates and increased regulatory scrutiny. Banco de Sabadell's ability to adapt to these changes and leverage its digital capabilities will be crucial for maintaining its competitive edge. The global banking industry is projected to reach $143.7 trillion in assets by 2028, growing at a CAGR of 6.5%.
Who Are BNDSF's Key Customers?
- Individual customers seeking retail banking products.
- Small and medium-sized enterprises requiring financing solutions.
- Large corporations and financial institutions needing corporate banking services.
- Customers in Spain, the United Kingdom, and Mexico.
FY2026 estForward Outlook
Wall Street analysts project Banco de Sabadell, S.A. revenue of about $5.97B for fiscal 2026, with EPS near $0.31. The estimate reflects 14 contributing analysts.
Quarterly Financial Performance: Banco de Sabadell, S.A.
Revenue for Banco de Sabadell, S.A. came in at $1.76B during Q1 2026, a 19.0% improvement versus the preceding quarter. The company recorded net income of $348.3M, with diluted EPS of $0.30. Quarter-over-quarter revenue has been mixed, typical for a large-cap company operating in Financial Services. Across the four most recent quarters, BNDSF averaged $0.14 in diluted EPS.
BNDSF Valuation & Market Position
With a $18.04B market cap, Banco de Sabadell, S.A. sits in the large-cap segment of the market. Relative to its peer group, BNDSF's quantitative score of 56/100 is roughly in line with the peer average of 61/100.
ROE 12%Key Financial Metrics
Return on equity for Banco de Sabadell, S.A. stands at 11.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. BNDSF trades at a trailing price-to-earnings ratio of 8.86, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.16 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 11.3%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
Banco de Sabadell, S.A.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.10 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Banco de Sabadell, S.A. operates in the Banks - Diversified industry within the Financial Services sector. It is headquartered in Alicante, ES. The company is led by CEO Cesar Gonzalez-Bueno Mayer Wittgenstein. BNDSF has traded publicly since 2010.
BNDSF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established presence in Spain, the UK, and Mexico.
- Diversified range of banking products and services.
- Strong profit margin of 40.3%.
- Experienced management team.
Bear Case
- Exposure to economic conditions in Spain, the UK, and Mexico.
- Dependence on interest rates and regulatory changes.
- Competition from larger banks and fintech companies.
- Lack of dividend yield.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $1.76B | $348M | $0.30 |
| Q4 2025 | $1.48B | $386M | $0.08 |
| Q3 2025 | $2.41B | $414M | $0.08 |
| Q2 2025 | $1.48B | $486M | $0.08 |
Based on FMP financials and quantitative analysis
BNDSF Latest News
No recent news available for BNDSF.
BNDSF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BNDSF.
Price Targets
Wall Street price target analysis for BNDSF.
BNDSF MoonshotScore
What does this score mean?
The MoonshotScore rates BNDSF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
BNDSF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Banco de Sabadell, S.A. has limited compliance requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies in this tier may not be required to meet minimum financial standards or reporting requirements, leading to increased risks for investors. This tier is often populated by shell companies, bankrupt entities, and companies with questionable operations. Investing in OTC Other stocks requires a high degree of caution and thorough due diligence.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing in BNDSF.
- Lower liquidity can lead to difficulty in buying or selling shares.
- Increased price volatility due to lower trading volumes.
- Potential for market manipulation and fraud.
- Lack of regulatory oversight compared to exchange-listed stocks.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's regulatory compliance and legal standing.
- Monitor trading volume and price volatility.
- Consult with a financial advisor before investing.
- Understand the risks associated with OTC investing.
- Established operating history since 1881.
- Presence in multiple countries (Spain, UK, Mexico).
- Market capitalization of $18.04B suggests a substantial company.
- Positive profit margin of 40.3% indicates profitability.
- Employee count of 18,482 suggests a significant operational scale.
Banco de Sabadell, S.A. Financial Services Stock: Key Questions Answered
What does Banco de Sabadell, S.A. do?
Banco de Sabadell, S.A. is a diversified financial institution providing a wide range of banking products and services to individuals, businesses, and corporations. Its offerings include retail banking products such as loans, mortgages, and credit cards, as well as investment products and financial planning services. The bank also provides working capital and financing solutions for businesses, along with corporate banking services for large corporations and financial institutions. Banco de Sabadell operates in Spain, the United Kingdom, and Mexico, serving a diverse customer base with tailored financial solutions.
What are the main risks for BNDSF?
The main risks for Banco de Sabadell, S.A. include economic downturns in its primary operating regions (Spain, the UK, and Mexico), which could negatively impact loan performance and profitability. Increased competition from fintech companies poses a threat to the bank's market share and revenue. Regulatory changes and compliance costs could increase operational expenses. Cybersecurity risks and data breaches could damage the bank's reputation and financial stability. Additionally, the bank's dependence on interest rates and regulatory changes could impact its financial performance.
What are the key factors to evaluate for BNDSF?
Banco de Sabadell, S.A. (BNDSF) holds an AI score of 56/100 (moderate). P/E: 8.9x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does BNDSF data refresh on this page?
BNDSF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BNDSF's recent stock price performance?
Banco de Sabadell, S.A. (BNDSF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in Spain, the UK, and Mexico. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BNDSF overvalued or undervalued right now?
Banco de Sabadell, S.A. (BNDSF) trades at 8.9x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying BNDSF?
Before investing in Banco de Sabadell, S.A. (BNDSF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding BNDSF to a portfolio?
Key strength of Banco de Sabadell, S.A. (BNDSF): Established presence in Spain, the UK, and Mexico. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.
- Analyst consensus is currently unavailable.