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Unicaja Banco SA
Buy, Hold or Sell?

Let's analyse Unicaja Banco SA together

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

I'm going to help you getting a better view of Unicaja Banco SA. 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.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Unicaja Banco SA (30 sec.)










What can you expect buying and holding a share of Unicaja Banco SA? (30 sec.)

How much money do you get?

How much money do you get?
€0.21
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
€35.03
Expected worth in 1 year
€165.39
How sure are you?
80.0%

+ What do you gain per year?

Total Gains per Share
€130.55
Return On Investment
11,522.9%

For what price can you sell your share?

Current Price per Share
€1.13
Expected price per share
€1.066 - €1.2095
How sure are you?
50%

1. Valuation of Unicaja Banco SA (5 min.)




Live pricePrice per Share (EOD)

€1.13

Intrinsic Value Per Share

€-0.94 - €4.81

Total Value Per Share

€34.09 - €39.83

2. Growth of Unicaja Banco SA (5 min.)




Is Unicaja Banco SA growing?

Current yearPrevious yearGrowGrow %
How rich?$100.5b$6.9b$93.5b93.0%

How much money is Unicaja Banco SA making?

Current yearPrevious yearGrowGrow %
Making money$288.8m$300.7m-$11.8m-4.1%
Net Profit Margin13.3%15.8%--

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

3. Financial Health of Unicaja Banco SA (5 min.)




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




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Unicaja Banco SA? (5 min.)

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

What can you expect buying and holding a share of Unicaja Banco SA?

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

Speculation

The Price per Share of Unicaja Banco SA is €1.133. 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 Unicaja Banco SA.
  • 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 Unicaja Banco SA, 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 €35.03. Based on the TTM, the Book Value Change Per Share is €32.59 per quarter. Based on the YOY, the Book Value Change Per Share is €0.05 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 €0.05 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Unicaja Banco SA.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps0.119.6%0.119.6%0.119.3%0.1513.5%0.1210.7%
Usd Book Value Change Per Share35.253,111.4%35.253,111.4%0.064.9%7.26640.6%3.70326.9%
Usd Dividend Per Share0.054.6%0.054.6%0.032.4%0.7465.7%0.3833.3%
Usd Total Gains Per Share35.313,116.1%35.313,116.1%0.087.3%8.00706.3%4.08360.2%
Usd Price Per Share0.96-0.96-1.12-0.97-0.75-
Price to Earnings Ratio8.84-8.84-10.53-12.74-10.91-
Price-to-Total Gains Ratio0.03-0.03-13.39-7.44-14.71-
Price to Book Ratio0.03-0.03-0.42-0.39-0.36-
Price-to-Total Gains Ratio0.03-0.03-13.39-7.44-14.71-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share1.2255661
Number of shares815
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.050.74
Usd Book Value Change Per Share35.257.26
Usd Total Gains Per Share35.318.00
Gains per Quarter (815 shares)28,773.696,521.69
Gains per Year (815 shares)115,094.7426,086.75
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
117111492411508524252366126077
234222984823018048514732352164
351334477134527572767098478251
4684459695460370970194646104338
585557461957546512126118307130425
6102668954369056014552141969156512
7119680446780565516977165630182599
8136791939192075019402189292208686
915381034314103584521828212953234773
1017091149238115094024253236615260860

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%13.01.00.092.9%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.02.00.080.0%10.04.00.071.4%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%11.00.03.078.6%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.02.00.080.0%10.04.00.071.4%

Fundamentals of Unicaja Banco SA

About Unicaja Banco SA

Unicaja Banco, S.A. engages in retail banking business in Spain. It offers accounts, payments, and debit and credit cards; mortgages and personal loans; pension plans, investment funds and portfolios, and savings insurance policies; and life, home, car, accident, health, agricultural, and funeral insurance. Unicaja Banco, S.A. was founded in 1991 and is headquartered in Málaga, Spain.

Fundamental data was last updated by Penke on 2024-03-19 06:28:05.

Financial Health

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 inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is 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 very able to pay all its debts by selling its assets.
The company is very able to pay all its debts with equity.

Valuation

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

1.1. Profitability of Unicaja Banco SA.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Unicaja Banco SA earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare Unicaja Banco SA to the Banks - Regional industry mean.
  • A Net Profit Margin of 13.3% means that €0.13 for each €1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Unicaja Banco SA:

  • The MRQ is 13.3%. The company is making a huge profit. +2
  • The TTM is 13.3%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ13.3%TTM13.3%0.0%
TTM13.3%YOY15.8%-2.6%
TTM13.3%5Y28.4%-15.1%
5Y28.4%10Y22.4%+6.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ13.3%18.4%-5.1%
TTM13.3%28.0%-14.7%
YOY15.8%25.2%-9.4%
5Y28.4%22.8%+5.6%
10Y22.4%19.8%+2.6%
1.1.2. Return on Assets

Shows how efficient Unicaja Banco SA is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Unicaja Banco SA to the Banks - Regional industry mean.
  • 0.3% Return on Assets means that Unicaja Banco SA generated €0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Unicaja Banco SA:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.3%0.0%
TTM0.3%YOY0.3%0.0%
TTM0.3%5Y0.4%-0.1%
5Y0.4%10Y0.4%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.1%+0.2%
TTM0.3%0.2%+0.1%
YOY0.3%0.2%+0.1%
5Y0.4%0.2%+0.2%
10Y0.4%0.2%+0.2%
1.1.3. Return on Equity

Shows how efficient Unicaja Banco SA is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Unicaja Banco SA to the Banks - Regional industry mean.
  • 4.0% Return on Equity means Unicaja Banco SA generated €0.04 for each €1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Unicaja Banco SA:

  • The MRQ is 4.0%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 4.0%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ4.0%TTM4.0%0.0%
TTM4.0%YOY4.3%-0.3%
TTM4.0%5Y6.4%-2.4%
5Y6.4%10Y6.7%-0.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ4.0%1.4%+2.6%
TTM4.0%2.5%+1.5%
YOY4.3%2.7%+1.6%
5Y6.4%2.5%+3.9%
10Y6.7%2.8%+3.9%

1.2. Operating Efficiency of Unicaja Banco SA.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Unicaja Banco SA is operating .

  • Measures how much profit Unicaja Banco SA makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Unicaja Banco SA to the Banks - Regional industry mean.
  • An Operating Margin of 18.5% means the company generated €0.18  for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Unicaja Banco SA:

  • The MRQ is 18.5%. The company is operating efficient. +1
  • The TTM is 18.5%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ18.5%TTM18.5%0.0%
TTM18.5%YOY32.1%-13.7%
TTM18.5%5Y31.6%-13.2%
5Y31.6%10Y41.9%-10.2%
1.2.2. Operating Ratio

Measures how efficient Unicaja Banco SA is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.65 means that the operating costs are €0.65 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of Unicaja Banco SA:

  • The MRQ is 0.646. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.646. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.646TTM0.6460.000
TTM0.646YOY0.682-0.036
TTM0.6465Y0.824-0.177
5Y0.82410Y0.774+0.050

1.3. Liquidity of Unicaja Banco SA.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Unicaja Banco SA is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 11.78 means the company has €11.78 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of Unicaja Banco SA:

  • The MRQ is 11.780. The company is very able to pay all its short-term debts. +2
  • The TTM is 11.780. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ11.780TTM11.7800.000
TTM11.780YOY30.350-18.570
TTM11.7805Y38.426-26.646
5Y38.42610Y19.277+19.149
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM11.7800.124+11.656
YOY30.3500.225+30.125
5Y38.4260.219+38.207
10Y19.2770.131+19.146
1.3.2. Quick Ratio

Measures if Unicaja Banco SA is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Unicaja Banco SA to the Banks - Regional industry mean.
  • A Quick Ratio of 11.78 means the company can pay off €11.78 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Unicaja Banco SA:

  • The MRQ is 11.780. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 11.780. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ11.780TTM11.7800.000
TTM11.780YOY32.098-20.318
TTM11.7805Y39.291-27.511
5Y39.29110Y19.685+19.606

1.4. Solvency of Unicaja Banco SA.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Unicaja Banco SA assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Unicaja Banco SA to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.04 means that Unicaja Banco SA assets are financed with 4.4% credit (debt) and the remaining percentage (100% - 4.4%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Unicaja Banco SA:

  • The MRQ is 0.044. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.044. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.044TTM0.0440.000
TTM0.044YOY0.935-0.891
TTM0.0445Y0.758-0.715
5Y0.75810Y0.850-0.091
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0440.915-0.871
TTM0.0440.917-0.873
YOY0.9350.919+0.016
5Y0.7580.919-0.161
10Y0.8500.927-0.077
1.4.2. Debt to Equity Ratio

Measures if Unicaja Banco SA is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Unicaja Banco SA to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 63.8% means that company has €0.64 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Unicaja Banco SA:

  • The MRQ is 0.638. The company is very able to pay all its debts with equity. +2
  • The TTM is 0.638. The company is very able to pay all its debts with equity. +2
Trends
Current periodCompared to+/- 
MRQ0.638TTM0.6380.000
TTM0.638YOY14.317-13.679
TTM0.6385Y12.175-11.537
5Y12.17510Y14.737-2.562
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.63810.829-10.191
TTM0.63811.013-10.375
YOY14.31711.363+2.954
5Y12.17511.437+0.738
10Y14.73713.038+1.699

2. Market Valuation of Unicaja Banco SA

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every €1 in earnings Unicaja Banco SA generates.

  • Above 15 is considered overpriced but always compare Unicaja Banco SA to the Banks - Regional industry mean.
  • A PE ratio of 8.84 means the investor is paying €8.84 for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Unicaja Banco SA:

  • The EOD is 11.257. Based on the earnings, the company is underpriced. +1
  • The MRQ is 8.842. Based on the earnings, the company is underpriced. +1
  • The TTM is 8.842. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD11.257MRQ8.842+2.414
MRQ8.842TTM8.8420.000
TTM8.842YOY10.534-1.691
TTM8.8425Y12.740-3.898
5Y12.74010Y10.912+1.828
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD11.2577.398+3.859
MRQ8.8426.680+2.162
TTM8.8425.295+3.547
YOY10.5346.943+3.591
5Y12.7409.770+2.970
10Y10.9129.943+0.969
2.2. Price To Free Cash Flow Ratio

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

  • The EOD is 1.454. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 1.142. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 1.142. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.454MRQ1.142+0.312
MRQ1.142TTM1.1420.000
TTM1.142YOY-0.157+1.299
TTM1.1425Y-1.634+2.776
5Y-1.63410Y0.298-1.931
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.454-2.069+3.523
MRQ1.142-1.868+3.010
TTM1.142-0.342+1.484
YOY-0.1576.448-6.605
5Y-1.6340.429-2.063
10Y0.2980.091+0.207
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Unicaja Banco SA is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.03 means the investor is paying €0.03 for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of Unicaja Banco SA:

  • The EOD is 0.032. Based on the equity, the company is cheap. +2
  • The MRQ is 0.025. Based on the equity, the company is cheap. +2
  • The TTM is 0.025. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.032MRQ0.025+0.007
MRQ0.025TTM0.0250.000
TTM0.025YOY0.423-0.398
TTM0.0255Y0.387-0.361
5Y0.38710Y0.361+0.026
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.0320.427-0.395
MRQ0.0250.386-0.361
TTM0.0250.470-0.445
YOY0.4230.642-0.219
5Y0.3870.795-0.408
10Y0.3611.025-0.664
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

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

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--32.59032.5900%0.052+63063%6.710+386%3.424+852%
Book Value Per Share--35.02635.0260%2.436+1338%8.571+309%4.947+608%
Current Ratio--11.78011.7800%30.350-61%38.426-69%19.277-39%
Debt To Asset Ratio--0.0440.0440%0.935-95%0.758-94%0.850-95%
Debt To Equity Ratio--0.6380.6380%14.317-96%12.175-95%14.737-96%
Dividend Per Share--0.0480.0480%0.025+91%0.688-93%0.349-86%
Eps--0.1010.1010%0.098+3%0.141-29%0.112-10%
Free Cash Flow Per Share--0.7790.7790%-6.563+942%0.024+3095%-0.064+108%
Free Cash Flow To Equity Per Share---0.178-0.1780%-6.424+3517%-0.089-50%-0.125-30%
Gross Profit Margin--1.0001.0000%0.947+6%0.947+6%0.940+6%
Intrinsic Value_10Y_max--4.807--------
Intrinsic Value_10Y_min---0.936--------
Intrinsic Value_1Y_max--0.123--------
Intrinsic Value_1Y_min---0.158--------
Intrinsic Value_3Y_max--0.643--------
Intrinsic Value_3Y_min---0.422--------
Intrinsic Value_5Y_max--1.493--------
Intrinsic Value_5Y_min---0.626--------
Market Cap3005486367.488+21%2360885143.0402360885143.0400%2735352286.000-14%2373175325.142-1%1840207998.802+28%
Net Profit Margin--0.1330.1330%0.158-16%0.284-53%0.224-41%
Operating Margin--0.1850.1850%0.321-43%0.316-42%0.419-56%
Operating Ratio--0.6460.6460%0.682-5%0.824-22%0.774-16%
Pb Ratio0.032+21%0.0250.0250%0.423-94%0.387-93%0.361-93%
Pe Ratio11.257+21%8.8428.8420%10.534-16%12.740-31%10.912-19%
Price Per Share1.133+21%0.8900.8900%1.031-14%0.895-1%0.694+28%
Price To Free Cash Flow Ratio1.454+21%1.1421.1420%-0.157+114%-1.634+243%0.298+284%
Price To Total Gains Ratio0.035+21%0.0270.0270%13.393-100%7.439-100%14.713-100%
Quick Ratio--11.78011.7800%32.098-63%39.291-70%19.685-40%
Return On Assets--0.0030.0030%0.003-2%0.004-29%0.004-26%
Return On Equity--0.0400.0400%0.043-7%0.064-38%0.067-40%
Total Gains Per Share--32.63932.6390%0.077+42300%7.398+341%3.773+765%
Usd Book Value--100505073800.000100505073800.0000%6992053633.300+1337%24593439688.180+309%14195248183.720+608%
Usd Book Value Change Per Share--35.25335.2530%0.056+63063%7.258+386%3.704+852%
Usd Book Value Per Share--37.88837.8880%2.635+1338%9.271+309%5.351+608%
Usd Dividend Per Share--0.0520.0520%0.027+91%0.744-93%0.378-86%
Usd Eps--0.1090.1090%0.106+3%0.152-29%0.121-10%
Usd Free Cash Flow--2236273046.2182236273046.2180%-18833638791.600+942%69392352.824+3123%-182858789.028+108%
Usd Free Cash Flow Per Share--0.8430.8430%-7.099+942%0.026+3095%-0.069+108%
Usd Free Cash Flow To Equity Per Share---0.192-0.1920%-6.949+3517%-0.096-50%-0.135-30%
Usd Market Cap3251034603.712+21%2553769459.2262553769459.2260%2958830567.766-14%2567063749.207-1%1990552992.304+28%
Usd Price Per Share1.226+21%0.9630.9630%1.115-14%0.968-1%0.750+28%
Usd Profit--288813900.000288813900.0000%300712600.000-4%412844650.760-30%325217215.460-11%
Usd Revenue--2173567980.0002173567980.0000%1898303454.200+15%1542060486.660+41%1485568271.480+46%
Usd Total Gains Per Share--35.30535.3050%0.083+42300%8.002+341%4.082+765%
 EOD+4 -4MRQTTM+0 -0YOY+24 -125Y+18 -1810Y+20 -16

3.2. Fundamental Score

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

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1511.257
Price to Book Ratio (EOD)Between0-10.032
Net Profit Margin (MRQ)Greater than00.133
Operating Margin (MRQ)Greater than00.185
Quick Ratio (MRQ)Greater than111.780
Current Ratio (MRQ)Greater than111.780
Debt to Asset Ratio (MRQ)Less than10.044
Debt to Equity Ratio (MRQ)Less than10.638
Return on Equity (MRQ)Greater than0.150.040
Return on Assets (MRQ)Greater than0.050.003
Total8/10 (80.0%)

3.3. Technical Score

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

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5085.178
Ma 20Greater thanMa 501.028
Ma 50Greater thanMa 1000.962
Ma 100Greater thanMa 2000.962
OpenGreater thanClose1.117
Total3/5 (60.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-12-312020-12-312021-12-312022-12-312023-12-31
Other Stockholders Equity  1,271,842-142,8901,128,952514,8931,643,845-1,5121,642,333-5,685,377-4,043,044
Total Other Income Expense Net -3-2-51-4-202,382-202,386481,386279,000



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets97,153,000
Total Liabilities4,239,000
Total Stockholder Equity6,644,000
 As reported
Total Liabilities 4,239,000
Total Stockholder Equity+ 6,644,000
Total Assets = 97,153,000

Assets

Total Assets97,153,000
Total Current Assets10,331,000
Long-term Assets31,459,000
Total Current Assets
Cash And Cash Equivalents 10,331,000
Total Current Assets  (as reported)10,331,000
Total Current Assets  (calculated)10,331,000
+/-0
Long-term Assets
Property Plant Equipment 1,766,000
Goodwill 25,995
Long Term Investments 29,608,000
Intangible Assets 85,000
Long-term Assets Other -4,548,086
Long-term Assets  (as reported)31,459,000
Long-term Assets  (calculated)26,936,909
+/- 4,522,091

Liabilities & Shareholders' Equity

Total Current Liabilities877,000
Long-term Liabilities4,239,000
Total Stockholder Equity6,644,000
Total Current Liabilities
Short-term Debt 1,598,504
Other Current Liabilities -721,504
Total Current Liabilities  (as reported)877,000
Total Current Liabilities  (calculated)877,000
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)4,239,000
Long-term Liabilities  (calculated)0
+/- 4,239,000
Total Stockholder Equity
Common Stock6,523,000
Retained Earnings 4,043,044
Accumulated Other Comprehensive Income 121,000
Other Stockholders Equity -4,043,044
Total Stockholder Equity (as reported)6,644,000
Total Stockholder Equity (calculated)6,644,000
+/-0
Other
Capital Stock6,523,000
Cash and Short Term Investments 10,331,000
Common Stock Shares Outstanding 2,652,123
Liabilities and Stockholders Equity 97,153,000
Net Debt -6,092,000
Net Invested Capital 10,883,000
Short Long Term Debt Total 4,239,000



Balance Sheet

Currency in EUR. All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312006-12-312005-12-312004-12-312003-12-312002-12-312001-12-312000-12-31
> Total Assets 
1,927,060,000
13,357,641
14,781,483
16,234,136
19,054,589
23,013,887
28,267,716
34,184,875
34,192,753
38,155,377
40,714,264
41,242,921
67,950,415
60,311,829
57,240,828
56,331,908
57,504,179
56,707,615
65,544,265
115,549,993
99,003,053
97,153,000
97,153,00099,003,053115,549,99365,544,26556,707,61557,504,17956,331,90857,240,82860,311,82967,950,41541,242,92140,714,26438,155,37734,192,75334,184,87528,267,71623,013,88719,054,58916,234,13614,781,48313,357,6411,927,060,000
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
13,257,324
7,160,826
8,684,784
5,190,999
7,416,717
5,479,636
4,558,815
6,667,189
21,297,503
4,662,908
10,331,000
10,331,0004,662,90821,297,5036,667,1894,558,8155,479,6367,416,7175,190,9998,684,7847,160,82613,257,32400000000000
       Cash And Cash Equivalents 
23,132,000
141,931
187,779
220,802
206,639
445,984
387,785
267,715
1,177,600
3,137,654
2,693,354
7,925,165
611,908
1,578,309
861,707
3,806,387
4,279,594
4,558,811
6,667,189
21,297,503
4,660,918
10,331,000
10,331,0004,660,91821,297,5036,667,1894,558,8114,279,5943,806,387861,7071,578,309611,9087,925,1652,693,3543,137,6541,177,600267,715387,785445,984206,639220,802187,779141,93123,132,000
       Short-term Investments 
45,425,000
570,393
230,763
652,672
295,623
924,740
2,029,864
1,318,703
113,415
2,429,742
6,176,133
11,192,338
3,979,510
827,281
2,150,813
2,341,308
322,762
19,798
0
0
268,574
0
0268,5740019,798322,7622,341,3082,150,813827,2813,979,51011,192,3386,176,1332,429,742113,4151,318,7032,029,864924,740295,623652,672230,763570,39345,425,000
       Net Receivables 
0
0
0
0
0
0
0
0
118
37
48
17
9
8
4
4
4
4
37,018
482,444
908
0
0908482,44437,01844448917483711800000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
1,965,421
1,201,682
5,697,523
1,100,676
3,791,288
4,145,274
4,300,858
7,326,495
22,524,777
5,739,233
13,678,000
13,678,0005,739,23322,524,7777,326,4954,300,8584,145,2743,791,2881,100,6765,697,5231,201,6821,965,42100000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20,435,987
25,479,978
29,695,887
32,849,000
31,459,000
31,459,00032,849,00029,695,88725,479,97820,435,98700000000000000000
       Property Plant Equipment 
50,296,000
312,497
338,634
348,813
442,512
589,918
585,738
650,116
633,522
622,941
629,293
591,311
1,031,047
1,057,160
1,010,449
872,636
848,638
880,209
837,060
1,392,916
1,286,647
1,766,000
1,766,0001,286,6471,392,916837,060880,209848,638872,6361,010,4491,057,1601,031,047591,311629,293622,941633,522650,116585,738589,918442,512348,813338,634312,49750,296,000
       Goodwill 
465,000
0
0
0
19,263
53,990
52,652
45,765
43,858
41,951
40,044
0
184
184
184
184
56,840
50,671
44,502
38,333
32,164
25,995
25,99532,16438,33344,50250,67156,840184184184184040,04441,95143,85845,76552,65253,99019,263000465,000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
8,513,277
24,764,818
18,538,977
20,076,209
17,892,297
19,090,879
19,546,854
24,914,920
28,154,000
30,778,000
29,608,000
29,608,00030,778,00028,154,00024,914,92019,546,85419,090,87917,892,29720,076,20918,538,97724,764,8188,513,27700000000000
       Intangible Assets 
4,598,000
21,522
20,765
17,553
19,263
58,501
56,026
49,721
4,313
4,207
3,105
3,689
1,771
1,194
782
1,882
62,505
66,225
74,095
79,806
74,750
85,000
85,00074,75079,80674,09566,22562,5051,8827821,1941,7713,6893,1054,2074,31349,72156,02658,50119,26317,55320,76521,5224,598,000
> Total Liabilities 
1,774,060,000
12,315,252
13,586,297
14,869,539
17,475,313
20,640,373
25,345,204
31,277,091
31,600,058
35,609,419
38,683,160
39,159,762
64,658,138
57,055,884
54,057,705
52,429,570
53,586,523
52,737,220
61,539,073
109,223,952
92,539,104
4,239,000
4,239,00092,539,104109,223,95261,539,07352,737,22053,586,52352,429,57054,057,70557,055,88464,658,13839,159,76238,683,16035,609,41931,600,05831,277,09125,345,20420,640,37317,475,31314,869,53913,586,29712,315,2521,774,060,000
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
36,041,517
60,293,029
53,298,894
50,887,611
50,007,223
50,726,082
250,279
233,621
206,274
153,639
877,000
877,000153,639206,274233,621250,27950,726,08250,007,22350,887,61153,298,89460,293,02936,041,51700000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
9,841,337
1,207,159
5,818,338
8,115,229
3,499,441
0
0
3,711,771
4,752,805
21,843
1,598,504
1,598,50421,8434,752,8053,711,771003,499,4418,115,2295,818,3381,207,1599,841,33700000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
9,841,337
1,207,159
5,818,338
8,115,229
3,499,441
0
0
0
0
0
0
0000003,499,4418,115,2295,818,3381,207,1599,841,33700000000000
       Accounts payable 
0
0
0
0
0
0
0
0
227,126
264,651
290,427
330,249
539,922
372,742
303,361
264,277
253,484
250,279
233,621
206,274
153,639
0
0153,639206,274233,621250,279253,484264,277303,361372,742539,922330,249290,427264,651227,12600000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
120,655
249,927
235,901
201,108
157,009
431,365
-250,279
-233,621
-206,274
-153,639
-721,504
-721,504-153,639-206,274-233,621-250,279431,365157,009201,108235,901249,927120,65500000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
744,030
751,689
3,078,510
153,639
4,239,000
4,239,000153,6393,078,510751,689744,03000000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
362,926
2,497,755
3,329,354
0
03,329,3542,497,755362,926000000000000000000
> Total Stockholder Equity
152,802,000
1,039,825
1,192,489
1,361,496
1,577,704
2,371,003
2,920,626
2,907,502
2,592,444
2,542,380
2,028,408
2,078,675
2,965,915
2,975,838
2,953,077
3,872,660
3,917,236
3,969,917
4,004,719
6,325,615
6,463,504
6,644,000
6,644,0006,463,5046,325,6154,004,7193,969,9173,917,2363,872,6602,953,0772,975,8382,965,9152,078,6752,028,4082,542,3802,592,4442,907,5022,920,6262,371,0031,577,7041,361,4961,192,4891,039,825152,802,000
   Common Stock
2,000
12
12
12
12
12
12
12
800,000
800,000
800,000
800,000
881,288
881,288
922,802
1,610,302
1,610,302
1,610,302
1,579,761
663,708
663,708
6,523,000
6,523,000663,708663,7081,579,7611,610,3021,610,3021,610,302922,802881,288881,288800,000800,000800,000800,000121212121212122,000
   Retained Earnings 
145,430,000
991,762
1,136,871
1,298,829
224,995
251,315
304,727
204,886
149,420
105,815
-577,253
71,410
474,521
186,661
677,791
1,014,132
1,121,976
1,087,773
1,037,364
3,856,639
4,049,739
4,043,044
4,043,0444,049,7393,856,6391,037,3641,087,7731,121,9761,014,132677,791186,661474,52171,410-577,253105,815149,420204,886304,727251,315224,9951,298,8291,136,871991,762145,430,000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,209,423
1,209,423
1,209,423
0
01,209,4231,209,4231,209,423000000000000000000
   Treasury Stock0000000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
1,643,024
1,636,565
1,805,661
1,207,265
1,610,106
1,907,889
1,352,484
1,248,226
1,184,958
1,271,842
1,128,952
1,643,845
1,642,333
-4,043,044
-4,043,0441,642,3331,643,8451,128,9521,271,8421,184,9581,248,2261,352,4841,907,8891,610,1061,207,2651,805,6611,636,5651,643,02400000000



Balance Sheet

Currency in EUR. All numbers in thousands.




Cash Flow

Currency in EUR. All numbers in thousands.




Income Statement

Currency in EUR. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue2,009,400
Cost of Revenue--
Gross Profit2,009,4002,009,400
 
Operating Income (+$)
Gross Profit2,009,400
Operating Expense-1,298,600
Operating Income371,000710,800
 
Operating Expense (+$)
Research Development-
Selling General Administrative281,000
Selling And Marketing Expenses-
Operating Expense1,298,600281,000
 
Net Interest Income (+$)
Interest Income2,346,000
Interest Expense-993,000
Other Finance Cost-0
Net Interest Income1,353,000
 
Pretax Income (+$)
Operating Income371,000
Net Interest Income1,353,000
Other Non-Operating Income Expenses-
Income Before Tax (EBT)371,00092,000
EBIT - interestExpense = -622,000
371,000
1,260,000
Interest Expense993,000
Earnings Before Interest and Taxes (EBIT)371,0001,364,000
Earnings Before Interest and Taxes (EBITDA)462,000
 
After tax Income (+$)
Income Before Tax371,000
Tax Provision-104,000
Net Income From Continuing Ops267,000267,000
Net Income267,000
Net Income Applicable To Common Shares-
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses1,298,600
Total Other Income/Expenses Net279,000-1,353,000
 

Technical Analysis of Unicaja Banco SA
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 Unicaja Banco SA. The general trend of Unicaja Banco SA is BULLISH with 71.4% 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 Unicaja Banco SA'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 (71.4%) Bearish trend (-71.4%)
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. 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.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance 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 Unicaja Banco SA.

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

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 1.1776973684211 < 1.2095.

The bearish price targets are: 1.105 > 1.079 > 1.066.

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Unicaja Banco SA Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging 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 Unicaja Banco SA. The current mas is .

The long score for the Moving Averages is 12/14.
The longshort score for the Moving Averages is 10/(-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 lower 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 lower 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

Unicaja Banco SA Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum 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 Unicaja Banco SA. The current macd is 0.0430568.

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 Unicaja Banco SA price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Unicaja Banco SA. 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 Unicaja Banco SA 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
Unicaja Banco SA Daily Moving Average Convergence/Divergence (MACD) ChartUnicaja Banco SA 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 Unicaja Banco SA. The current adx is 41.55.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-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 Unicaja Banco SA shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.
Unicaja Banco SA 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.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Unicaja Banco SA. The current sar is 1.05612247.

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
Unicaja Banco SA Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges 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 Unicaja Banco SA. The current rsi is 85.18. The current phase is Overbought in bull market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 0/(-13 +13).

  • Overbought in bull market: Short-term excessive buying, potential for pullback. Consider taking profits, be cautious of potential correction. -1
  • Trending up: The RSI is trending up. +1
Unicaja Banco SA Daily Relative Strength Index (RSI) ChartUnicaja Banco SA Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges 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 Unicaja Banco SA. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 3/6.
The longshort score for the Stochastic Oscillator is 0/(-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 below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Unicaja Banco SA price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Unicaja Banco SA Daily Stochastic Oscillator ChartUnicaja Banco SA 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, 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 Unicaja Banco SA. The current cci is 149.87.

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
Unicaja Banco SA Daily Commodity Channel Index (CCI) ChartUnicaja Banco SA 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 Unicaja Banco SA. The current cmo is 84.04.

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
Unicaja Banco SA Daily Chande Momentum Oscillator (CMO) ChartUnicaja Banco SA Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

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

  • Lagging momentum indicator
  • Ranging between 0 and -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 Unicaja Banco SA. The current willr is -3.73831776.

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
Unicaja Banco SA Daily Williams %R ChartUnicaja Banco SA Daily Williams %R Chart

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 oversold 

Score

Let's take a look at the Bollinger Bands of Unicaja Banco SA.

Unicaja Banco SA 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 Unicaja Banco SA. The current atr is 0.02160621.

Unicaja Banco SA Daily Average True Range (ATR) ChartUnicaja Banco SA Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 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 Unicaja Banco SA. The current obv is -69,712,526.

Unicaja Banco SA Daily On-Balance Volume (OBV) ChartUnicaja Banco SA 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 Unicaja Banco SA. The current mfi is 91.19.

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

  • MFI > 50: +1
  • MFI > 80: +1
Unicaja Banco SA Daily Money Flow Index (MFI) ChartUnicaja Banco SA Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Unicaja Banco SA.

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
2023-11-07STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-08STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-09WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-10STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-13STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-16CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-20CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-21CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-22MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-11-23MACD 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
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-27STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-28STOCH 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.
2023-11-30STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-05SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-06MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-12-07CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-08STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-11STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-12ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-14STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-19STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-21STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-22STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-27STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-28STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-02SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-04MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-08CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-09STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-10CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-11SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-17CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-18STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-19MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-22RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-25STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-29MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-01-30SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-01-31CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-01STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-02STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-05STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-06DMI 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.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
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).
2024-02-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-12STOCH 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).
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-16CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-21STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-22STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-02-23STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-27STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-28STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-29SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-05WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-06MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR 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.
2024-03-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-11STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-12BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-03-13STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-15STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-21STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-22STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-27STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

Unicaja Banco SA Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

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

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5085.178
Ma 20Greater thanMa 501.028
Ma 50Greater thanMa 1000.962
Ma 100Greater thanMa 2000.962
OpenGreater thanClose1.117
Total3/5 (60.0%)
Penke

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