Unicaja Banco SA (UNJCF)
OTHER OTC:UNJCF
UNJCF Stock Chart & Stats
$3.36
$0.00(0.00%)
At close: 4:00 PM EDT
$3.36
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$2.16 - $3.80
Previous CloseN/A
Volume20.00
Average Volume (3M)0.00
Market Cap
$9.03B
Enterprise Value$11.25B
Total Cash (Recent Filing)$6.49B
Total Debt (Recent Filing)$4.63B
Price to Earnings (P/E)12.5
Beta0.37
Next Earnings
Jul 31, 2026EPS Estimate
0.08Next Dividend Ex-DateN/A
Dividend Yield8.03%
Share Statistics
EPS (TTM)0.24
Shares Outstanding2,571,434,600
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio1.27
Price to Book (P/B)1.09
Price to Sales (P/S)2.77
P/FCF Ratio42.73
Enterprise Value/Market Cap1.25
Enterprise Value/Revenue3.72
Enterprise Value/Gross Profit5.54
Enterprise Value/Ebitda11.84
Forecast
1Y Price Target
$3.19Price Target Upside-5.07% Downside
Rating ConsensusHold
Number of Analyst Covering6
EPS Forecast (FY)0.29
Revenue Forecast (FY)$2.44B
Bulls Say, Bears Say
Bulls Say
Improving Profitability And MarginsSustained margin expansion and rising net income indicate the bank is extracting better yield and/or cost efficiency from its core banking activities. That creates durable earnings capacity to fund dividends, capital build, and reinvestment, supporting resilience across economic cycles.
Strong Capital And Liquidity BuffersHigh CET1, sizable MREL and robust liquidity ratios materially reduce solvency and funding risk. These structural buffers enable continued lending and shareholder payouts while absorbing stress, improving long‑term financial flexibility and regulatory headroom.
Growing Fee Income Via Mutual Funds And Digital ChannelsStrong AUM growth and higher fees diversify revenue away from interest margin volatility. Combined with rising digital sales penetration, this structural shift supports more stable, recurring fee income and lowers distribution costs, improving revenue resilience over time.
Bears Say
Sharp Rise In LeverageA rapid increase in debt-to-equity materially raises funding and refinancing sensitivity and reduces balance‑sheet flexibility. Higher leverage limits capacity to absorb shocks or pursue opportunities and increases exposure to rising rates or tighter credit conditions over the medium term.
Volatile Cash GenerationInconsistent operating and free cash flow undermines reliable internal funding for investment, dividends and loan growth. That volatility raises the likelihood of reliance on wholesale funding or capital actions in adverse periods, weakening long‑term funding predictability.
Rising Operating Costs And Deposit Funding PressurePersistent wage inflation, hiring and costly deposit acquisition campaigns elevate the bank's structural expense base and deposit costs. Higher recurring costs and funding pressure compress margins and ROE unless offset by sustained NII growth or greater fee income.
Unicaja Banco SA News
UNJCF FAQ
What was Unicaja Banco SA’s price range in the past 12 months?
Unicaja Banco SA lowest stock price was $2.16 and its highest was $3.80 in the past 12 months.
What is Unicaja Banco SA’s market cap?
Unicaja Banco SA’s market cap is $9.03B.
When is Unicaja Banco SA’s upcoming earnings report date?
Unicaja Banco SA’s upcoming earnings report date is Jul 31, 2026 which is in 34 days.
How were Unicaja Banco SA’s earnings last quarter?
Unicaja Banco SA released its earnings results on May 05, 2026. The company reported $0.069 earnings per share for the quarter, missing the consensus estimate of $0.071 by -$0.001.
Is Unicaja Banco SA overvalued?
According to Wall Street analysts Unicaja Banco SA’s price is currently Overvalued.
Does Unicaja Banco SA pay dividends?
Unicaja Banco SA pays a Semiannually dividend of $0.125 which represents an annual dividend yield of 8.03%. See more information on Unicaja Banco SA dividends here
What is Unicaja Banco SA’s EPS estimate?
Unicaja Banco SA’s EPS estimate is 0.08.
How many shares outstanding does Unicaja Banco SA have?
Unicaja Banco SA has 2,571,434,600 shares outstanding.
What happened to Unicaja Banco SA’s price movement after its last earnings report?
Unicaja Banco SA reported an EPS of $0.069 in its last earnings report, missing expectations of $0.071. Following the earnings report the stock price went up 2.589%.
Which hedge fund is a major shareholder of Unicaja Banco SA?
Currently, no hedge funds are holding shares in UNJCF
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
Unicaja Banco SA Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$3.19 (-5.07% Downside)
$3.19 (-5.07% Downside)
Insider Transactions
Sold Shares
Worth $38.8K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
158.07%
12-Months-Change
Fundamentals
Return on Equity
9.05%
Trailing 12-Months
Asset Growth
9.30%
Trailing 12-Months
Company Description
Unicaja Banco SA
Unicaja Banco, S.A. is a prominent financial institution delivering a broad spectrum of banking products and services to individuals and corporate clients across Spain and internationally. Its extensive offerings include current accounts, payment facilities, and various debit and credit cards. The bank provides diverse lending solutions like mortgages and personal loans, alongside a suite of savings and investment products such as deposit accounts, stock market access, pension schemes, investment funds, tailored portfolios, and savings-linked insurance. Furthermore, it offers a wide array of insurance policies, encompassing life, home, car, accident, health, agricultural, SME and retail damage, and corporate liability coverage. For businesses, Unicaja Banco provides cash management, both short and long-term financing, and specialized investment services, all complemented by convenient remote and mobile banking platforms. Beyond traditional banking, the company is involved in property development and renewable energy initiatives, and it strategically invests in assets, securities, and other financial companies. As of December 31, 2021, Unicaja Banco operated a substantial network of 1,368 branches throughout Spain and maintained a correspondent office in the United Kingdom. Founded in 1991, its headquarters are located in Málaga, Spain.
UNJCF Company Deck
UNJCF Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed broadly positive momentum: commercial growth, strong mutual fund and digital sales, improving asset quality, robust capital/liquidity metrics, and modest YoY profit growth. Management acknowledged cost pressures (wage inflation, hiring, customer acquisition costs), short‑term NII drag due to day‑count/volume effects and repo balances, and higher uncertainty from geopolitical risks, but reaffirmed guidance and signaled cautious optimism supported by conservative provisioning and plans to increase shareholder remuneration.View all UNJCF earnings summariesUNJCF Stock 12 Month Forecast
Average Price Target
$3.19
▼(-5.07% Downside)
Technical Analysis
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Ownership Overview
<0.01% Insiders
3.27% Mutual Funds
― Other Institutional Investors
91.96% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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