Banco de Sabadell, S.A. (BNDSF)
ValueMarkers Composite Index
67% below intrinsic value ($12)
Banco de Sabadell, S.A. (BNDSF) — VMCI valuation read
Headline read on BNDSF: VMCI of 63/100 versus a Financial Services sector median of 50. The 13-point above-median position is what makes Banco de Sabadell, S.A. a relative-value candidate in the mid-cap cohort, before any pillar-level review.
Form 4 filings on BNDSF: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.
**Investor frame.** Three reads on BNDSF: value (BNDSF trades at 21.0x earnings, 17% above the Financial Services median of 18.0x), quality (ROIC of 19.0% sits 9.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of 0.4x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.
BNDSF fell 3.4% over the trailing 7 days, with a -21.4% read on a 30-day basis.
Banco de Sabadell, S.A. provides banking products and services to personal, business, and private customers in Spain and internationally. The company offers retail banking products, such as current and savings accounts, personal loans, cards, and mortgages. It also provides financial products and services to large and medium enterprises, SMEs, shops and self-employed workers, private individuals, and professionals; and consumer finance, asset management, and bancassurance services. In addition, the company offers corporate banking services, including financing services, transactional banking services, and other complex custom solutions in finance, treasury, and import/export, among others. Further, it provides insurance and pension products. As of December 31, 2021, the company operated 1,593 branches. Banco de Sabadell, S.A. was founded in 1881 and is based in Alicante, Spain.
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