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BKNIY (Bankinter) Stock Analysis
Buy, Hold or Sell?

Let's analyze Bankinter together

I guess you are interested in Bankinter SA ADR. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • πŸ“Š Fundamental Analysis (FA) – Bankinter’s Financial Insights
  • πŸ“ˆ Technical Analysis (TA) – Bankinter’s Price Targets

I'm going to help you getting a better view of Bankinter SA ADR. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Bankinter (30 sec.)










1.2. What can you expect buying and holding a share of Bankinter? (30 sec.)

How much money do you get?

How much money do you get?
$2.43
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$7.72
Expected worth in 1 year
$10.63
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
$5.34
Return On Investment
39.9%

For what price can you sell your share?

Current Price per Share
$13.38
Expected price per share
$12.10 - $13.48
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Bankinter (5 min.)




Live pricePrice per Share (EOD)
$13.38
Intrinsic Value Per Share
$-102.61 - $42.67
Total Value Per Share
$-94.89 - $50.39

2.2. Growth of Bankinter (5 min.)




Is Bankinter growing?

Current yearPrevious yearGrowGrow %
How rich?$6.9b$6.2b$655m9.4%

How much money is Bankinter making?

Current yearPrevious yearGrowGrow %
Making money$1.1b$997.5m$127.7m11.4%
Net Profit Margin30.9%29.0%--

How much money comes from the company's main activities?

2.3. Financial Health of Bankinter (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Bankinter?

Welcome investor! Bankinter's management wants to use your money to grow the business. In return you get a share of Bankinter.

First you should know what it really means to hold a share of Bankinter. And how you can make/lose money.

Speculation

The Price per Share of Bankinter is $13.38. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Bankinter.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Bankinter, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $7.72. Based on the TTM, the Book Value Change Per Share is $0.73 per quarter. Based on the YOY, the Book Value Change Per Share is $0.55 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.61 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Bankinter.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps1.259.4%1.259.4%1.118.3%1.037.7%1.057.9%0.856.3%
Usd Book Value Change Per Share0.735.4%0.735.4%0.554.1%0.453.4%0.282.1%-5.46-40.8%
Usd Dividend Per Share0.614.5%0.614.5%0.534.0%0.493.7%0.372.8%0.342.5%
Usd Total Gains Per Share1.3310.0%1.3310.0%1.088.1%0.947.0%0.664.9%-5.12-38.3%
Usd Price Per Share7.82-7.82-6.51-6.97-6.26-7.14-
Price to Earnings Ratio6.25-6.25-5.86-7.01-7.31-9.97-
Price-to-Total Gains Ratio5.86-5.86-6.01-9.42-16.76-13.89-
Price to Book Ratio1.01-1.01-0.93-0.99-0.92-1.04-
Price-to-Total Gains Ratio5.86-5.86-6.01-9.42-16.76-13.89-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share13.38
Number of shares74
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.610.37
Usd Book Value Change Per Share0.730.28
Usd Total Gains Per Share1.330.66
Gains per Quarter (74 shares)98.7648.53
Gains per Year (74 shares)395.05194.12
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
118021538511084184
2360431780221167378
35396461175331251572
47198611570442335766
589910761965552419960
61079129223606625021154
71258150727557735861348
81438172231508836701542
91618193735459937541736
1017982153394011048371930

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%4.01.00.080.0%8.02.00.080.0%15.05.00.075.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%16.04.00.080.0%
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3.2. Key Performance Indicators

The key performance indicators of Bankinter SA ADR compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.7270.7270%0.549+32%0.449+62%0.283+157%-5.458+850%
Book Value Per Share--7.7217.7210%6.994+10%7.053+9%6.812+13%11.987-36%
Current Ratio--57.29657.2960%12.074+375%29.809+92%42.965+33%27.841+106%
Debt To Asset Ratio--0.9520.9520%0.9530%0.9530%0.9520%0.871+9%
Debt To Equity Ratio--19.75219.7520%20.231-2%20.300-3%20.093-2%16.665+19%
Dividend Per Share--0.6070.6070%0.533+14%0.491+24%0.373+63%0.337+80%
Enterprise Value---111849501960.000-111849501960.0000%-118766766945.459+6%-110033118433.873-2%-100501726383.844-10%-78193669829.314-30%
Eps--1.2521.2520%1.110+13%1.033+21%1.053+19%0.845+48%
Ev To Sales Ratio---30.731-30.7310%-34.520+12%-34.335+12%-35.788+16%-29.892-3%
Free Cash Flow Per Share--2.3522.3520%0.746+215%-2.518+207%2.545-8%1.816+29%
Free Cash Flow To Equity Per Share--2.0072.0070%0.607+230%-3.009+250%2.398-16%1.628+23%
Gross Profit Margin--0.8670.8670%0.952-9%0.918-6%0.917-5%0.861+1%
Intrinsic Value_10Y_max--42.671----------
Intrinsic Value_10Y_min---102.610----------
Intrinsic Value_1Y_max--2.925----------
Intrinsic Value_1Y_min---4.521----------
Intrinsic Value_3Y_max--9.818----------
Intrinsic Value_3Y_min---18.655----------
Intrinsic Value_5Y_max--17.952----------
Intrinsic Value_5Y_min---38.237----------
Market Cap12024298152.960+42%7029132120.0007029132120.0000%5848050657.741+20%6260496871.727+12%5625546266.396+25%6413331885.566+10%
Net Profit Margin--0.3090.3090%0.290+7%0.283+9%0.338-8%0.293+6%
Operating Margin----0%0.011-100%0.121-100%0.260-100%0.306-100%
Operating Ratio--0.4230.4230%0.420+1%0.462-8%0.504-16%0.543-22%
Pb Ratio1.733+42%1.0131.0130%0.930+9%0.988+3%0.915+11%1.040-3%
Pe Ratio10.688+42%6.2476.2470%5.863+7%7.012-11%7.315-15%9.969-37%
Price Per Share13.380+42%7.8207.8200%6.507+20%6.966+12%6.259+25%7.136+10%
Price To Free Cash Flow Ratio5.689+42%3.3253.3250%8.719-62%3.809-13%2.492+33%63.628-95%
Price To Total Gains Ratio10.025+42%5.8595.8590%6.012-3%9.417-38%16.758-65%13.887-58%
Quick Ratio--57.29657.2960%-7.371+113%23.328+146%39.076+47%25.897+121%
Return On Assets--0.0080.0080%0.007+5%0.007+14%0.007+8%0.007+13%
Return On Equity--0.1620.1620%0.159+2%0.145+12%0.155+5%0.132+23%
Total Gains Per Share--1.3351.3350%1.082+23%0.939+42%0.656+104%-5.121+484%
Usd Book Value--6940346832.0006940346832.0000%6285327552.000+10%6339155500.800+9%6121714723.200+13%10773925263.360-36%
Usd Book Value Change Per Share--0.7270.7270%0.549+32%0.449+62%0.283+157%-5.458+850%
Usd Book Value Per Share--7.7217.7210%6.994+10%7.053+9%6.812+13%11.987-36%
Usd Dividend Per Share--0.6070.6070%0.533+14%0.491+24%0.373+63%0.337+80%
Usd Enterprise Value---111849501960.000-111849501960.0000%-118766766945.459+6%-110033118433.873-2%-100501726383.844-10%-78193669829.314-30%
Usd Eps--1.2521.2520%1.110+13%1.033+21%1.053+19%0.845+48%
Usd Free Cash Flow--2114035833.6002114035833.6000%670738089.600+215%-2262746179.200+207%2287513774.080-8%1632330717.120+30%
Usd Free Cash Flow Per Share--2.3522.3520%0.746+215%-2.518+207%2.545-8%1.816+29%
Usd Free Cash Flow To Equity Per Share--2.0072.0070%0.607+230%-3.009+250%2.398-16%1.628+23%
Usd Market Cap12024298152.960+42%7029132120.0007029132120.0000%5848050657.741+20%6260496871.727+12%5625546266.396+25%6413331885.566+10%
Usd Price Per Share13.380+42%7.8207.8200%6.507+20%6.966+12%6.259+25%7.136+10%
Usd Profit--1125268156.8001125268156.8000%997524489.600+13%928093449.600+21%946574622.720+19%750811089.600+50%
Usd Revenue--3639687292.8003639687292.8000%3440515852.800+6%3238412486.400+12%2851842418.560+28%2547460753.920+43%
Usd Total Gains Per Share--1.3351.3350%1.082+23%0.939+42%0.656+104%-5.121+484%
 EOD+4 -4MRQTTM+0 -0YOY+32 -73Y+32 -75Y+25 -1410Y+28 -11

3.3 Fundamental Score

Let's check the fundamental score of Bankinter SA ADR based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1510.688
Price to Book Ratio (EOD)Between0-11.733
Net Profit Margin (MRQ)Greater than00.309
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than157.296
Current Ratio (MRQ)Greater than157.296
Debt to Asset Ratio (MRQ)Less than10.952
Debt to Equity Ratio (MRQ)Less than119.752
Return on Equity (MRQ)Greater than0.150.162
Return on Assets (MRQ)Greater than0.050.008
Total6/10 (60.0%)

3.4 Technical Score

Let's check the technical score of Bankinter SA ADR based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5059.885
Ma 20Greater thanMa 5012.958
Ma 50Greater thanMa 10012.643
Ma 100Greater thanMa 20011.573
OpenGreater thanClose13.210
Total4/5 (80.0%)

4. In-depth Analysis

4.1 About Bankinter SA ADR

Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers payroll, pension, business, salary, non-salary, youth salary, current, currency, and management accounts; deposit products; mortgages and loan products; personal, auto, equipment, tax repayment, and various financing services; and finance leasing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, various investment funds, other managers funds, protected funds, and themed funds; regular investment plans; and investment advisory, wealth management, and alternative investment products and services. In addition, it offers home, life, funeral, health, and motor; business multi-risk, general and business liability, executives' liability, construction, and machinery and equipment; and property, personal, and pension scheme insurance products and services. Further, the company provides various services, such as estate administration, switch, debit management, accounts management, and transfer services, as well as real estate and brokerage services. Additionally, it offers retail, personal, private, and corporate banking products, as well as remote banking services. The company was formerly known as Banco Intercontinental EspaΓ±ol, S.A. and changed its name to Bankinter, S.A. in July 1990. Bankinter, S.A. was incorporated in 1965 and is based in Madrid, Spain.

Fundamental data was last updated by Penke on 2025-06-27 09:24:05.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profitΒ Bankinter earns for each $1 of revenue.

  • Above 10% is considered healthy but always compareΒ Bankinter to theΒ Banks - Regional industry mean.
  • A Net Profit Margin of 30.9%Β means thatΒ $0.31 for each $1Β in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Bankinter SA ADR:

  • The MRQ is 30.9%. The company is making a huge profit. +2
  • The TTM is 30.9%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ30.9%TTM30.9%0.0%
TTM30.9%YOY29.0%+1.9%
TTM30.9%5Y33.8%-2.8%
5Y33.8%10Y29.3%+4.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ30.9%41.9%-11.0%
TTM30.9%31.1%-0.2%
YOY29.0%29.6%-0.6%
3Y28.3%29.0%-0.7%
5Y33.8%25.7%+8.1%
10Y29.3%22.1%+7.2%
4.3.1.2. Return on Assets

Shows howΒ efficientΒ Bankinter is using its assets to generate profit.

  • Above 5% is considered healthyΒ but always compareΒ Bankinter to theΒ Banks - Regional industry mean.
  • 0.8% Return on Assets means thatΒ Bankinter generatedΒ $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Bankinter SA ADR:

  • The MRQ is 0.8%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.8%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.8%TTM0.8%0.0%
TTM0.8%YOY0.7%+0.0%
TTM0.8%5Y0.7%+0.1%
5Y0.7%10Y0.7%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8%0.2%+0.6%
TTM0.8%0.2%+0.6%
YOY0.7%0.2%+0.5%
3Y0.7%0.2%+0.5%
5Y0.7%0.2%+0.5%
10Y0.7%0.2%+0.5%
4.3.1.3. Return on Equity

Shows how efficient Bankinter is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compareΒ Bankinter to theΒ Banks - Regional industry mean.
  • 16.2% Return on Equity means Bankinter generated $0.16Β for eachΒ $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Bankinter SA ADR:

  • The MRQ is 16.2%. Using its investors money, the company is efficient in making profit. +1
  • The TTM is 16.2%. Using its investors money, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ16.2%TTM16.2%0.0%
TTM16.2%YOY15.9%+0.3%
TTM16.2%5Y15.5%+0.7%
5Y15.5%10Y13.2%+2.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ16.2%2.8%+13.4%
TTM16.2%2.2%+14.0%
YOY15.9%2.6%+13.3%
3Y14.5%2.5%+12.0%
5Y15.5%2.4%+13.1%
10Y13.2%2.6%+10.6%
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4.3.2. Operating Efficiency of Bankinter SA ADR.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

MeasuresΒ how efficient Bankinter is operatingΒ .

  • Measures how much profit Bankinter makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compareΒ Bankinter to theΒ Banks - Regional industry mean.
  • An Operating Margin of 0.0%Β means the company generated $0.00 Β for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Bankinter SA ADR:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY1.1%-1.1%
TTM-5Y26.0%-26.0%
5Y26.0%10Y30.6%-4.6%
4.3.2.2. Operating Ratio

Measures how efficient Bankinter is keepingΒ operating costsΒ low.

  • Below 1 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • An Operation Ratio of 0.42 means that the operating costs are $0.42 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Bankinter SA ADR:

  • The MRQ is 0.423. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.423. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.423TTM0.4230.000
TTM0.423YOY0.420+0.003
TTM0.4235Y0.504-0.081
5Y0.50410Y0.543-0.038
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4.4.3. Liquidity of Bankinter SA ADR.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Bankinter is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • A Current Ratio of 57.30Β means the company has $57.30 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Bankinter SA ADR:

  • The MRQ is 57.296. The company is very able to pay all its short-term debts. +2
  • The TTM is 57.296. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ57.296TTM57.2960.000
TTM57.296YOY12.074+45.222
TTM57.2965Y42.965+14.331
5Y42.96510Y27.841+15.124
4.4.3.2. Quick Ratio

Measures if Bankinter is able to pay off Short-term Debt but only usingΒ theΒ most liquid assets.

  • Above 1 is considered healthy butΒ always compareΒ Bankinter to theΒ Banks - Regional industry mean.
  • A Quick Ratio of 57.30Β means the company can pay off $57.30 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Bankinter SA ADR:

  • The MRQ is 57.296. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 57.296. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ57.296TTM57.2960.000
TTM57.296YOY-7.371+64.667
TTM57.2965Y39.076+18.220
5Y39.07610Y25.897+13.179
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4.5.4. Solvency of Bankinter SA ADR.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much %Β of BankinterΒ assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compareΒ Bankinter to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.95Β means that Bankinter assets areΒ financed with 95.2% credit (debt) and the remaining percentage (100% - 95.2%)Β is financed by its owners/shareholders.Β 

Let's take a look of the Debt to Asset Ratio trends of Bankinter SA ADR:

  • The MRQ is 0.952. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.952. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.952TTM0.9520.000
TTM0.952YOY0.953-0.001
TTM0.9525Y0.952-0.001
5Y0.95210Y0.871+0.081
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9520.912+0.040
TTM0.9520.914+0.038
YOY0.9530.331+0.622
3Y0.9530.655+0.298
5Y0.9520.761+0.191
10Y0.8710.845+0.026
4.5.4.2. Debt to Equity Ratio

Measures ifΒ Bankinter is able toΒ pay off its debts by usingΒ shareholders equity.

  • Below 2 is considered healthy butΒ always compareΒ Bankinter to theΒ Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,975.2% means that company has $19.75 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Bankinter SA ADR:

  • The MRQ is 19.752. The company is unable to pay all its debts with equity. -1
  • The TTM is 19.752. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ19.752TTM19.7520.000
TTM19.752YOY20.231-0.479
TTM19.7525Y20.093-0.341
5Y20.09310Y16.665+3.428
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ19.75210.416+9.336
TTM19.75210.683+9.069
YOY20.2314.228+16.003
3Y20.3007.922+12.378
5Y20.0939.283+10.810
10Y16.66511.348+5.317
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

MeasuresΒ how much money you payΒ for each share forΒ every $1 in earnings Bankinter generates.

  • Above 15 is considered overpriced butΒ always compareΒ Bankinter to theΒ Banks - Regional industry mean.
  • A PE ratio of 6.25 means the investor is paying $6.25Β for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Bankinter SA ADR:

  • The EOD is 10.688. Based on the earnings, the company is underpriced. +1
  • The MRQ is 6.247. Based on the earnings, the company is cheap. +2
  • The TTM is 6.247. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD10.688MRQ6.247+4.441
MRQ6.247TTM6.2470.000
TTM6.247YOY5.863+0.384
TTM6.2475Y7.315-1.068
5Y7.31510Y9.969-2.654
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD10.6884.154+6.534
MRQ6.2473.875+2.372
TTM6.2476.132+0.115
YOY5.8634.741+1.122
3Y7.0125.925+1.087
5Y7.3158.400-1.085
10Y9.9699.118+0.851
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Bankinter SA ADR:

  • The EOD is 5.689. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 3.325. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 3.325. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.689MRQ3.325+2.364
MRQ3.325TTM3.3250.000
TTM3.325YOY8.719-5.394
TTM3.3255Y2.492+0.833
5Y2.49210Y63.628-61.136
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD5.6890.360+5.329
MRQ3.3250.336+2.989
TTM3.3250.632+2.693
YOY8.719-1.072+9.791
3Y3.8092.007+1.802
5Y2.4920.284+2.208
10Y63.6280.095+63.533
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price ofΒ Bankinter is to cheap or to expensiveΒ compared to its book value.

  • At or below 1 is considered healthyΒ (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.01 means the investor is paying $1.01Β for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Bankinter SA ADR:

  • The EOD is 1.733. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.013. Based on the equity, the company is underpriced. +1
  • The TTM is 1.013. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.733MRQ1.013+0.720
MRQ1.013TTM1.0130.000
TTM1.013YOY0.930+0.082
TTM1.0135Y0.915+0.098
5Y0.91510Y1.040-0.125
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.7330.463+1.270
MRQ1.0130.432+0.581
TTM1.0130.446+0.567
YOY0.9300.149+0.781
3Y0.9880.355+0.633
5Y0.9150.578+0.337
10Y1.0400.801+0.239
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2024-12-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets121,971,823
Total Liabilities116,094,158
Total Stockholder Equity5,877,665
 As reported
Total Liabilities 116,094,158
Total Stockholder Equity+ 5,877,665
Total Assets = 121,971,823

Assets

Total Assets121,971,823
Total Current Assets15,569,183
Long-term Assets106,402,640
Total Current Assets
Cash And Cash Equivalents 15,417,808
Net Receivables 151,375
Total Current Assets  (as reported)15,569,183
Total Current Assets  (calculated)15,569,183
+/-0
Long-term Assets
Property Plant Equipment 446,639
Goodwill 2,276
Long Term Investments 19,567,493
Intangible Assets 318,170
Other Assets 121,971,823
Long-term Assets  (as reported)106,402,640
Long-term Assets  (calculated)142,306,401
+/- 35,903,761

Liabilities & Shareholders' Equity

Total Current Liabilities271,734
Long-term Liabilities-
Total Stockholder Equity5,877,665
Total Current Liabilities
Accounts payable 466,465
Other Current Liabilities -1,383,913
Total Current Liabilities  (as reported)271,734
Total Current Liabilities  (calculated)-917,448
+/- 1,189,182
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Other Stockholders Equity 5,877,665
Total Stockholder Equity (as reported)5,877,665
Total Stockholder Equity (calculated)5,877,665
+/-0
Other
Capital Stock269,660
Cash and Short Term Investments 15,417,808
Common Stock Shares Outstanding 898,866
Liabilities and Stockholders Equity 121,971,823
Net Debt -15,417,808
Net Invested Capital 14,853,598
Property Plant and Equipment Gross 1,007,407



6.2. Balance Sheets Structured

Currency in EUR. All numbers in thousands.

 Trend2024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-312004-12-31
> Total Assets 
31,270,200
1,447,831
46,099,701
49,648,680
53,469,627
54,467,464
54,151,977
59,491,426
58,165,890
55,135,662
57,332,974
58,659,810
67,182,467
71,332,651
76,501,539
83,732,345
96,252,093
107,584,108
107,507,032
113,011,642
121,971,823
121,971,823113,011,642107,507,032107,584,10896,252,09383,732,34576,501,53971,332,65167,182,46758,659,81057,332,97455,135,66258,165,89059,491,42654,151,97754,467,46453,469,62749,648,68046,099,7011,447,83131,270,200
   > Total Current Assets 
170,761
435,916
539,178
946,486
382,134
4,291,400
1,797,871
2,260,844
1,862,626
3,099,736
2,142,090
2,922,472
3,737,515
5,795,800
5,701,699
7,588,331
16,165,868
24,143,973
13,476,859
19,082,788
15,569,183
15,569,18319,082,78813,476,85924,143,97316,165,8687,588,3315,701,6995,795,8003,737,5152,922,4722,142,0903,099,7361,862,6262,260,8441,797,8714,291,400382,134946,486539,178435,916170,761
       Cash And Cash Equivalents 
170,761
435,916
539,178
946,486
382,134
4,291,400
1,797,871
2,192,190
1,770,862
2,989,408
2,016,056
2,787,131
3,590,408
5,633,055
5,538,675
7,403,299
16,069,243
24,024,898
13,351,217
16,106,263
15,417,808
15,417,80816,106,26313,351,21724,024,89816,069,2437,403,2995,538,6755,633,0553,590,4082,787,1312,016,0562,989,4081,770,8622,192,1901,797,8714,291,400382,134946,486539,178435,916170,761
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
707,289
0
0
0
41
0
0
0
0
-13,951,790
0
0-13,951,790000041000707,2890000000000
       Net Receivables 
0
0
0
0
0
0
0
68,654
91,764
110,328
126,034
135,341
147,107
162,745
163,024
185,032
96,625
119,075
125,642
146,836
151,375
151,375146,836125,642119,07596,625185,032163,024162,745147,107135,341126,034110,32891,76468,6540000000
       Other Current Assets 
0
33,277
64,406
12,717
0
0
0
0
0
0
542,124
1,034,521
2,837,677
5,003,273
4,946,487
8,926,493
18,101,466
24,818,412
16,400,835
16,928,315
0
016,928,31516,400,83524,818,41218,101,4668,926,4934,946,4875,003,2732,837,6771,034,521542,12400000012,71764,40633,2770
   > Long-term Assets 
8,527,577
9,507,370
7,995,126
6,441,179
8,701,206
9,632,044
9,270,945
11,337,279
12,066,514
9,130,331
10,044,003
9,516,445
9,042,627
9,331,691
11,052,424
13,071,825
12,097,955
12,511,111
17,765,659
126,127,752
106,402,640
106,402,640126,127,75217,765,65912,511,11112,097,95513,071,82511,052,4249,331,6919,042,6279,516,44510,044,0039,130,33112,066,51411,337,2799,270,9459,632,0448,701,2066,441,1797,995,1269,507,3708,527,577
       Property Plant Equipment 
314,930
320,742
342,297
366,404
391,826
452,645
456,569
466,901
433,336
421,888
412,838
417,280
428,671
420,996
405,924
416,266
455,067
450,436
447,853
424,178
446,639
446,639424,178447,853450,436455,067416,266405,924420,996428,671417,280412,838421,888433,336466,901456,569452,645391,826366,404342,297320,742314,930
       Goodwill 
0
0
0
0
0
161,837
161,836
161,836
161,836
164,281
164,113
164,113
164,113
164,113
164,113
164,113
2,276
2,276
2,276
2,276
2,276
2,2762,2762,2762,2762,276164,113164,113164,113164,113164,113164,113164,281161,836161,836161,836161,83700000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
7,692,779
7,034,940
7,980,237
8,763,484
11,524,495
12,658,138
11,925,597
14,903,248
17,038,866
14,662,901
19,567,493
19,567,49314,662,90117,038,86614,903,24811,925,59712,658,13811,524,4958,763,4847,980,2377,034,9407,692,7790000000000
       Intangible Assets 
322
356
3,299
9,667
13,851
215,207
196,373
176,204
155,702
136,422
118,214
102,580
80,950
91,765
129,964
227,825
255,799
267,411
276,664
299,740
318,170
318,170299,740276,664267,411255,799227,825129,96491,76580,950102,580118,214136,422155,702176,204196,373215,20713,8519,6673,299356322
       Other Assets 
22,571,862
-8,495,455
37,565,397
42,261,015
44,386,287
40,544,020
43,083,161
45,893,303
44,236,750
42,905,595
45,146,881
46,220,893
54,402,325
56,205,160
59,747,416
63,072,189
67,988,270
70,929,024
76,264,514
-32,198,898
121,971,823
121,971,823-32,198,89876,264,51470,929,02467,988,27063,072,18959,747,41656,205,16054,402,32546,220,89345,146,88142,905,59544,236,75045,893,30343,083,16140,544,02044,386,28742,261,01537,565,397-8,495,45522,571,862
> Total Liabilities 
7,240,033
12,368,483
14,868,083
16,805,045
14,700,741
19,089,811
18,014,053
16,498,412
13,267,046
10,128,810
9,919,232
11,079,445
63,085,092
66,975,511
72,015,687
78,932,380
91,287,936
102,731,948
102,602,059
107,688,702
116,094,158
116,094,158107,688,702102,602,059102,731,94891,287,93678,932,38072,015,68766,975,51163,085,09211,079,4459,919,23210,128,81013,267,04616,498,41218,014,05319,089,81114,700,74116,805,04514,868,08312,368,4837,240,033
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
352,111
302,753
26,285,732
404,235
429,140
388,965
291,125
327,436
317,576
671,872
1,580,549
271,734
271,7341,580,549671,872317,576327,436291,125388,965429,140404,23526,285,732302,753352,111000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
21,706,801
0
0
0
0
3,258
0
0
1,952,948
8,586,245
0
08,586,2451,952,948003,258000021,706,8010000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
21,706,801
543
1,160,590,861,967
1,000,000,000,000,000
0
0
0
0
0
0
0
00000001,000,000,000,000,0001,160,590,861,96754321,706,8010000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
37,109,435
189,725
404,235
429,140
388,965
291,125
327,436
317,576
671,872
711,324
466,465
466,465711,324671,872317,576327,436291,125388,965429,140404,235189,72537,109,4350000000000
       Other Current Liabilities 
0
-26,602
-66,668
-56,556
-34,343
-65,075
-41,789
-70,572
-73,636
-68,119
-135,054
-362,674
-573,945
-613,295
-609,546
-497,137
-417,926
-456,630
-1,312,283
469,509
-1,383,913
-1,383,913469,509-1,312,283-456,630-417,926-497,137-609,546-613,295-573,945-362,674-135,054-68,119-73,636-70,572-41,789-65,075-34,343-56,556-66,668-26,6020
   > Long-term Liabilities 
7,240,033
12,368,483
14,868,083
16,805,045
14,700,741
19,089,811
18,014,053
16,498,412
13,267,046
10,128,810
9,919,232
11,079,445
8,949,849
8,256,787
7,755,149
7,639,517
7,571,986
7,736,416
6,433,093
8,546,380
0
08,546,3806,433,0937,736,4167,571,9867,639,5177,755,1498,256,7878,949,84911,079,4459,919,23210,128,81013,267,04616,498,41218,014,05319,089,81114,700,74116,805,04514,868,08312,368,4837,240,033
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
2,352,497
1,155,068
1,164,152
1,339,305
2,090,364
2,128,174
2,653,219
2,933,668
0
0
0
0002,933,6682,653,2192,128,1742,090,3641,339,3051,164,1521,155,0682,352,4970000000000
> Total Stockholder Equity
1,255,123
1,385,593
1,584,602
1,745,417
1,965,004
2,582,881
2,579,695
3,086,996
3,231,097
3,403,545
3,643,448
3,798,177
4,097,375
4,357,140
4,485,852
4,799,965
4,964,157
4,852,160
4,904,973
5,322,940
5,877,665
5,877,6655,322,9404,904,9734,852,1604,964,1574,799,9654,485,8524,357,1404,097,3753,798,1773,643,4483,403,5453,231,0973,086,9962,579,6952,582,8811,965,0041,745,4171,584,6021,385,5931,255,123
   Common Stock
115,276
116,875
117,878
119,063
121,768
142,034
142,034
143,076
169,142
268,675
269,660
269,660
269,660
269,660
269,660
269,660
269,660
269,660
269,660
269,660
0
0269,660269,660269,660269,660269,660269,660269,660269,660269,660269,660268,675169,142143,076142,034142,034121,768119,063117,878116,875115,276
   Retained Earnings 
173,378
187,702
1,151,897
1,384,140
1,466,401
1,759,259
1,786,990
1,881,862
1,909,513
1,954,877
2,136,113
2,371,603
2,648,213
2,941,026
3,050,265
3,313,547
3,368,260
4,639,962
4,966,956
5,495,084
6,005,469
6,005,4695,495,0844,966,9564,639,9623,368,2603,313,5473,050,2652,941,0262,648,2132,371,6032,136,1131,954,8771,909,5131,881,8621,786,9901,759,2591,466,4011,384,1401,151,897187,702173,378
   Capital Surplus 000000000000000000000
   Treasury Stock000000000000000000000
   Other Stockholders Equity 
966,469
226,012
314,827
242,214
376,835
681,597
650,671
1,062,058
1,152,442
1,231,342
1,237,675
1,188,001
1,362,205
1,384,065
1,427,216
1,216,758
1,326,237
-167,071
-448,767
-441,804
5,877,665
5,877,665-441,804-448,767-167,0711,326,2371,216,7581,427,2161,384,0651,362,2051,188,0011,237,6751,231,3421,152,4421,062,058650,671681,597376,835242,214314,827226,012966,469



6.3. Balance Sheets

Currency in EUR. All numbers in thousands.




6.4. Cash Flows

Currency in EUR. All numbers in thousands.




6.5. Income Statements

Currency in EUR. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in EUR. All numbers in thousands.

Gross Profit (+$)
totalRevenue3,082,391
Cost of Revenue-33,118
Gross Profit3,049,2733,049,273
 
Operating Income (+$)
Gross Profit3,049,273
Operating Expense-1,270,432
Operating Income1,811,9591,778,841
 
Operating Expense (+$)
Research Development-
Selling General Administrative458,909
Selling And Marketing Expenses126,666
Operating Expense1,270,432585,575
 
Net Interest Income (+$)
Interest Income4,399,788
Interest Expense-2,121,380
Other Finance Cost-0
Net Interest Income2,278,408
 
Pretax Income (+$)
Operating Income1,811,959
Net Interest Income2,278,408
Other Non-Operating Income Expenses-
Income Before Tax (EBT)1,359,6992,264,219
EBIT - interestExpense = -2,121,380
1,359,698
3,074,351
Interest Expense2,121,380
Earnings Before Interest and Taxes (EBIT)-3,481,079
Earnings Before Interest and Taxes (EBITDA)-
 
After tax Income (+$)
Income Before Tax1,359,699
Tax Provision-406,727
Net Income From Continuing Ops952,972952,972
Net Income952,971
Net Income Applicable To Common Shares-
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses1,270,432
Total Other Income/Expenses Net-452,260-2,278,408
 

Technical Analysis of Bankinter
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Bankinter. The general trend of Bankinter is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Bankinter's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Bankinter Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

SupportΒ is a price level at which demand for an asset is strong enough to prevent the price from falling further.
ResistanceΒ is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Bankinter SA ADR.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 13.41 < 13.48 < 13.48.

The bearish price targets are: 12.60 > 12.60 > 12.10.

Know someone who trades $BKNIY? Share this with them.πŸ‘‡

Bankinter SA ADR Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows theΒ moving averageΒ of the selected period.

  • Moving averages are laggingΒ trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Bankinter SA ADR. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Bankinter SA ADR Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows theΒ momentumΒ of theΒ selected period based on two moving averages.

  • MACD is aΒ lagging momentumΒ indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Bankinter SA ADR. The current macd is 0.13911844.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Bankinter price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Bankinter. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Bankinter price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Bankinter SA ADR Daily Moving Average Convergence/Divergence (MACD) ChartBankinter SA ADR Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Bankinter SA ADR. The current adx is 19.30.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Bankinter shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
Bankinter SA ADR Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • ShowsΒ the current trend.
  • ShowsΒ potential entry signals.
  • ShowsΒ Β potential exit signals.
  • Can be used to placeΒ trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Bankinter SA ADR. The current sar is 12.64.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Bankinter SA ADR Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentumΒ indicator, meaning the signals are instant.
  • RangesΒ between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Bankinter SA ADR. The current rsi is 59.88. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
Bankinter SA ADR Daily Relative Strength Index (RSI) ChartBankinter SA ADR Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

ComparesΒ a certain price to multiple prices ranging over time.

  • LeadingΒ momentumΒ indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • RangesΒ between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Bankinter SA ADR. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Bankinter price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Bankinter SA ADR Daily Stochastic Oscillator ChartBankinter SA ADR Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero,Β the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Bankinter SA ADR. The current cci is 144.09.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Bankinter SA ADR Daily Commodity Channel Index (CCI) ChartBankinter SA ADR Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Bankinter SA ADR. The current cmo is 24.78.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Bankinter SA ADR Daily Chande Momentum Oscillator (CMO) ChartBankinter SA ADR Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

Β Shows the current price relative to the highest high over the last 14 days.
Β 

  • Lagging momentum indicator
  • Ranging between 0 andΒ -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Bankinter SA ADR. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Bankinter SA ADR Daily Williams %R ChartBankinter SA ADR Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversoldΒ 

Score

Let's take a look at the Bollinger Bands of Bankinter SA ADR.

Bankinter SA ADR Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Bankinter SA ADR. The current atr is 0.32967968.

Bankinter SA ADR Daily Average True Range (ATR) ChartBankinter SA ADR Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

Β Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Bankinter SA ADR. The current obv is -6,916,774.

Bankinter SA ADR Daily On-Balance Volume (OBV) ChartBankinter SA ADR Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Bankinter SA ADR. The current mfi is 57.40.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Bankinter SA ADR Daily Money Flow Index (MFI) ChartBankinter SA ADR Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Bankinter SA ADR.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-10STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-11MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-02-12MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-02-20RSI SHORT ENTRY LONG CLOSE70 crossover to downside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-02-24STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-25CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-02-26MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-02-27STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-03MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-05SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-10STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-12RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-03-13MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-03-14STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-18STOCH LONG EXITThe %K line crosses below the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-03-20RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-03-24MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-03-26STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-31SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-04-01CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-04-02CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-03CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-04-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-04-07STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-08STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-09RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-10DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-04-11SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-04-16STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-21STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-24STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-25CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-04-28STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-04-30STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-01WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-05STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-07CCI LONG ENTRY SHORT CLOSE100 crossover to upside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-08STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-12MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-13STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-15RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-16STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-21BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-05-22STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-23SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-05-28MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-05-29STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-30STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-02STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-04STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-05SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-06STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-10SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-11CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-12STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-13STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-16STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-17DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-18DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-20CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-23STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-24STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-26STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-27SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-07-02MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.

6.3. Candlestick Patterns

Bankinter SA ADR Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Bankinter SA ADR based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5059.885
Ma 20Greater thanMa 5012.958
Ma 50Greater thanMa 10012.643
Ma 100Greater thanMa 20011.573
OpenGreater thanClose13.210
Total4/5 (80.0%)
Penke
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