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

1,647 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
Diversified Retail & Commercial ModelSantander’s core business is a broad retail and commercial banking franchise across multiple geographies. That durable business model generates stable net interest income, fee streams and deposit funding, enabling cross-sell and steadier earnings through economic cycles.
Revenue Expansion And Margin RecoveryThe bank shows a structural improvement in top-line and profit margins into 2025, with revenue stepping up and net margin normalizing near double digits. Sustained revenue growth and firmer margins support ongoing earnings power and ability to fund ROE-enhancing initiatives over the medium term.
Scale Expansion In The U.K. Via TSBClosing the TSB acquisition materially increases Santander’s U.K. retail footprint and customer base. The deal can deliver durable benefits from scale: stronger deposit and lending flows, cross-sell opportunities and potential cost and revenue synergies that improve long-term competitive position.
Bears Say
Elevated LeverageDebt-to-equity near 4.8–4.9x represents materially higher leverage versus prior years. Elevated leverage increases sensitivity to funding and credit conditions, constrains balance-sheet flexibility for lending or M&A, and raises regulatory and refinancing vulnerabilities over the medium term.
Weak Cash GenerationNegative operating and free cash flow across 2024–2025 marks a deterioration from prior years. Persistent weak cash generation limits self-funding of dividends, buybacks or capital investments, increases dependence on wholesale funding or issuance, and reduces resilience to macro shocks.
Reliance On AT1 Capital IssuanceTapping AT1 markets with high-coupon perpetual securities signals reliance on loss-absorbing capital to support ratios. AT1s are costly and can be written down in stress, increasing long-term funding expense and refinancing risk, and reflecting structural capital management constraints.

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 $8.29 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 $197.89B.
      When is Banco Santander US’s upcoming earnings report date?
      Banco Santander US’s upcoming earnings report date is Jul 22, 2026 which is tomorrow.
        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 2.28%. See more information on Banco Santander US dividends here
              What is Banco Santander US’s EPS estimate?
              Banco Santander US’s EPS estimate is 0.29.
                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 Stock 12 Month Forecast

                      Average Price Target

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                      Ownership Overview

                      0.09%0.01%99.76%
                      Insiders
                      0.01% Other Institutional Investors
                      99.76% Public Companies and
                      Individual Investors
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