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Smart Investors Daily
SA

NYSE · SAN

Banco Santander, S.A.

Financial Services · Banks - Diversified

$14.93

Down-$0.12 (-0.80%)

Updated Sep 5, 2026, 9:24 PM

SID Score

8.0/10

Composite research score

Smart Money

54/100

Neutral

Market cap
170.85B
P/E ratio
10.74
Dividend yield
1.47%
52-week range
$9.48 – $15.05
Volume
8.28M
Avg. volume
3.39M

Price performance

SAN price history

1M range · 21 trading sessions · Daily adjusted prices

SAN closed at $14.93 after 21 trading sessions, up 1.56% for the selected period.

Last close
$14.93
Period change
+1.56%
Period low
$14.17
Period high
$15.05
Daily close
View OHLC price history
SAN OHLC price history, latest 40 sessions
DateOpenHighLowCloseVolume
Sep 4, 2026$14.90$14.97$14.86$14.938.28M
Sep 3, 2026$14.92$15.05$14.85$15.058.79M
Sep 2, 2026$14.70$14.755$14.645$14.758.68M
Sep 1, 2026$14.53$14.64$14.355$14.388.68M
Aug 31, 2026$14.77$14.795$14.545$14.568.27M
Aug 28, 2026$14.69$14.745$14.601$14.678.75M
Aug 27, 2026$14.67$14.68$14.505$14.5513.71M
Aug 26, 2026$14.82$14.82$14.67$14.7015.19M
Aug 25, 2026$14.65$14.675$14.535$14.6314.32M
Aug 24, 2026$14.71$14.82$14.66$14.7231.21M
Aug 21, 2026$14.55$14.69$14.52$14.5918.88M
Aug 20, 2026$14.295$14.35$14.14$14.2122.72M
Aug 19, 2026$14.32$14.34$14.085$14.1773.49M
Aug 18, 2026$14.56$14.60$14.2101$14.2450.85M
Aug 17, 2026$14.77$14.8295$14.56$14.5915.34M
Aug 14, 2026$14.84$14.92$14.655$14.7616.92M
Aug 13, 2026$14.98$15.00$14.75$14.7815.55M
Aug 12, 2026$14.89$14.9089$14.765$14.829.22M
Aug 11, 2026$14.84$14.859$14.69$14.7111.24M
Aug 10, 2026$14.755$14.815$14.63$14.6911.2M
Aug 7, 2026$14.90$14.925$14.66$14.7015.07M

Latest SAN news

The latest Smart Investors Daily articles mentioning SAN.

SAN research

Overview

Company profile and research snapshot.

Company profile

Santander's focus is on retail and commercial banking. Latin America is geographically the most significant operation, with Brazil making the largest contribution. Its continental European business is mainly in Spain and Portugal. Santander's UK presence is the result of its acquisition of Abbey building society. In the US, Santander operates a vehicle finance business and a regional bank focused on the Northeastern states.

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Analyst outlook

Consensus and target data currently published for this company.

Consensus
Buy
Average target
$3.00
Implied upside
Analysts
12
SAN recent ratings
DateFirmRatingTarget
Jul 12, 2026DAY BY DAYBuy
Jul 8, 2026ROTHSCHILD & CO REDBURNNeutral
Jul 8, 2026INTESA SANPAOLO EQUITY RESEARCHBuy
Jul 6, 2026BESTINVER SECURITIESBuy
Jul 1, 2026CAIXABANK BPIBuy
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News briefing

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AI research layers

Interpretive context generated from the platform’s current data sources.

Banco Santander Stock Performance

Banco Santander (SAN) shares have demonstrated strong momentum across multiple timeframes, trading at $14.93 per SID market data. The stock has gained 59.43% over the trailing twelve months, significantly outperforming the broader financial services sector. Over the past three months, SAN has appreciated 20.69%, while the one-month return stands at 2.8%. From a technical perspective, the stock trades above both key moving averages, sitting 5.52% above its 50-day moving average of $14.15 and 19.73% above its 200-day moving average of $12.47, per Massive/Polygon data. The 14-day relative strength index reads 55.7, placing the stock in neutral territory without overbought or oversold signals. SAN carries a beta of 0.959, indicating slightly lower volatility relative to the broader market. Average daily trading volume registers at approximately 3.39 million shares, reflecting consistent institutional participation and robust liquidity.

Banco Santander Valuation Analysis

Banco Santander currently carries a market capitalization of approximately $170.85 billion, positioning it among the largest global banking institutions. The stock trades at a price-to-earnings ratio of 10.74, per SID market data, which remains below the financial services sector median and suggests a relatively modest earnings multiple. The price-to-book ratio stands at 1.44, indicating the market values Santander at a premium to its book value, per SEC filings. The PEG ratio of 2.25 reflects the relationship between the current earnings multiple and projected growth, suggesting the stock is priced at a higher multiple relative to its anticipated earnings growth rate. Banco Santander offers a dividend yield of approximately 1.86%, providing shareholders with a steady income component. The combination of a sub-11x earnings multiple and above-book valuation reflects the market's balanced assessment of the bank's profitability and asset quality fundamentals.

Smart Money Activity for SAN

Banco Santander's composite smart money score stands at 54 out of 100, generating a neutral signal per SID market data. The institutional activity sub-score leads all categories at 21.5 out of 25, indicating strong engagement from large asset managers and funds in accumulating or maintaining positions. Insider trading activity scores 12.5 out of 25, reflecting a moderate level of transactions by company executives and board members according to SEC Form 4 filings. The congressional trading sub-score registers at 12 out of 25, suggesting limited but present activity among U.S. lawmakers holding positions in the stock. Dark pool activity scores 8.5 out of 25, indicating relatively lower volume in off-exchange trading venues compared to other metrics. The divergence between the high institutional score and the lower dark pool reading suggests that institutional positioning is occurring primarily through public exchanges rather than private block transactions, per 13F institutional filings. Overall, smart money flows present a balanced picture without a strong directional bias.

Banco Santander Earnings Outlook

Banco Santander's most recent reported quarter showed earnings of $0.269 per share against an analyst estimate of $0.28, resulting in a miss of $0.011 per company earnings reports. The subsequent quarter recorded actual earnings of $0.29 per share, demonstrating a sequential recovery in profitability, though no consensus estimate was available for direct comparison. Looking ahead, analyst estimates project earnings of $0.28 per share for the upcoming reporting period with results expected on May 4, 2026. The company has two additional earnings dates scheduled, including July 22 and July 29, 2026, though estimates for those periods have not yet been published. The sequential improvement from $0.269 to $0.29 in reported earnings reflects a 7.8% quarter-over-quarter increase. Investors will monitor whether Santander can sustain this earnings trajectory amid evolving interest rate environments and credit conditions across its diversified geographic footprint spanning Europe and Latin America.

Wall Street Analyst Ratings for SAN

Wall Street consensus on Banco Santander leans decisively bullish, with four of the five most recent analyst actions reiterating Buy ratings per SID consensus data. On July 12, 2026, DAY BY DAY maintained its Buy recommendation, consistent with prior coverage. Intesa Sanpaolo Equity Research and Bestinver Securities both reiterated Buy ratings on July 8 and July 6, respectively, while CaixaBank BPI maintained its Buy call on July 1. The lone non-bullish voice comes from Rothschild & Co Redburn, which reiterated a Neutral rating on July 8, per Wall Street analyst reports. Notably, none of the recent analyst actions involved downgrades; all five represented reiterations of existing ratings, suggesting stable conviction levels across the coverage universe. The predominantly European analyst base reflects Santander's primary listing and operational footprint. The 80% Buy ratio among recent ratings indicates broad sell-side confidence in the bank's fundamental trajectory and earnings sustainability at current valuation levels.