It is therefore likely that the ECB will continue cutting interest rates, and this will reduce the financial margin – and probably the profits – of all banks in the Eurozone.

Hi everyone,

While I am having a good time enjoying my vacations in Spain, I had an idea. I was visiting a charming small town, wandering through its narrow streets, when I noticed a bank I had never heard of before: #caixabank
$CABK (-1 %)

Curious, I pulled out my phone and quickly checked on Quetquin to see if this bank was listed on any stock exchanges — and to my surprise, I found it! That moment made me realise something: we often underestimate how wide the range of possible stock investments really is. We all know the popular names — the big tech giants, the trending energy companies, or the famous brands — but we don’t always give enough attention to the less “hyped” companies. Sometimes, those quieter names can hide interesting opportunities.

So, as you might have guessed, today we will speak about CaixaBank.

Let’s start with a bit of history. CaixaBank was officially created in 2011, but its roots go deeper. It comes from La Caixa, a large and well-established financial group in Spain that has been offering banking, financial, and insurance services for decades. Over the years, CaixaBank grew significantly by acquiring other banks: Banca Cívica in 2012, Banco de Valencia shortly after, and more recently, Bankia in 2021. These acquisitions didn’t just add size — they allowed CaixaBank to expand its customer base, branch network, and product offering, making it a dominant retail bank in Spain.

Now, let’s talk about Caixa’s financial health and market position.

EPS (Earnings Per Share): This metric has been in quite a healthy evolution since 2022. EPS rose from about €0.42 in 2022 to around €0.86 in 2024, and the first half of 2025 continues to show growth, with a trailing twelve-month figure close to €0.94. This strong performance is mainly due to higher interest income, better efficiency ratios after the Bankia integration, and growth in commissions from insurance and asset management.

PER (Price-to-Earnings Ratio): CaixaBank’s PER has compressed from roughly 14× in 2021 to about 7× today. This means the stock is now cheaper relative to its earnings. Such a low PER can indicate undervaluation, but it also reflects the market’s expectation that the recent boost from higher interest rates may not last forever, especially as central banks begin to adjust monetary policy.

In addition to these figures, CaixaBank maintains a solid capital position, with a CET1 fully loaded ratio above regulatory requirements, and a low level of non-performing loans — around 2.3%. The bank also returns value to shareholders through regular dividends and share buyback programs, making it attractive for income-oriented investors.

To sum up, CaixaBank is not a high-growth tech stock that will skyrocket overnight. Instead, it is a stable, dividend-paying financial institution with strong domestic roots, a broad retail network, and a diversified income base. For investors who believe in the sustained recovery of the Spanish economy — boosted by tourism, infrastructure projects, and consumer spending — CaixaBank could represent a solid medium- to long-term holding.

Let me know if you enjoyed this post so I can cover more stocks like this !

$CABK (-1 %) is now selling real state properties with more than 40k houses in Spain.

Great news taking into account that Caixabank owns 25% of all mortgages in the market.

https://www.eleconomista.es/banca-finanzas/noticias/13427962/06/25/caixabank-lanza-su-portal-de-venta-de-casas-con-40000-viviendas-en-venta-y-alquiler.html

$CABK (-1 %) +40% in seven months and will continue to rise as long as rates remain high

$CABK (-1 %)

is it a good share to purchase now and hold for a long period of time?

Which of my positions do you think I should make bigger (and why)?

On the following months I'd like to go for:

Airlines: $UAL (+1,93 %) or $IAG (-1,41 %) --> Good momentum, growth ahead, undervalued.

Insurance: $CS (+0 %) or $ALV (+0,14 %) --> Good dividend, good momentum, good perspectives, high dividend.

European Banks:
$ISP (+0,51 %) or $CABK (-1 %) --> Undervalued Vs American banks, better environment than years ago with lower valuations, higher interest and more security... possibility of gaining stock apretiation while receiving high dividends.

Homebuilding: $LEN (+0,04 %) --> They have a clear problem with lack of homes in the US, good valuation, good growth prospects.

Also tempted to double with my pharma losers $CAH (-2,68 %) and $AMPH (+1,61 %) , bought them when they were with good momentum and they've underperformed since, but I still like the future prospects... High growth, small caps, good drug portfolio... If I still like the numbers and they're cheaper now, should I double my bet here?(I hate going against momentum). $PFE (+0,66 %) also on the list, but I have it on a small saving plan. Shifting momentum but still early to say so I prefer to buy slow...

I'm not planing on adding stocks that are not currently in my portfolio.

Empiezo a fijarme en la obtención de dividendos, hasta el momento nunca operé en este tipo de empresas, pero parece que puede ser algo bastante rentable si sabe manejarse 😄