The bank is known for its strong regional presence with branches throughout Spain, including rural areas, serving a large number of regional businesses and private customers. In 2024, Unicaja Banco's revenue increased 38.74% to €1.94 billion, with earnings up 118% to €566.48 million, demonstrating significant recent profitability growth driven by favorable interest rate environment and operational improvements.
Cyborg Score Rationale
The bank has demonstrated a 3% revenue CAGR over 10 years with projected 0% growth for the next 4 years, while maintaining steady earnings growth. Strong dividend yield and recent profitability improvements provide investor appeal, but modest growth projections and exposure to Spanish banking sector challenges present headwinds.
Top Insights
At end of 2024, the bank managed €74.4 billion in deposits and €49 billion in loans
Recent dividend yield of 5.19% based on €0.14 per share payout reflects commitment to shareholder returns
Wall Street analysts forecast UNI stock price to drop over the next 12 months
Unicaja Banco has maintained dividend payments for 5 consecutive years without reduction, indicating financial stability
Named Competitors
Banco Santander — Spain's largest global financial services group
BBVA — Major Spanish-Mexican banking group with international presence
CaixaBank — Leading Spanish retail and commercial bank
Recent Developments
(February 2026) Q4 2025 earnings release scheduled with strong 2024 revenue growth of 38.74% and net income increase of 118%
(January 2026) Dividend of €0.14 per share maintained for financial year 2025
(2024) Significant profitability expansion with earnings reaching €566.48 million on improved net interest income
Open the full interactive Unicaja Banco, S.A. report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.