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Unicaja Banco SA (UNI.MC) — chart, structure and Closelook read

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Company snapshot — Unicaja Banco SA

UNI.MC in five paragraphs: what it makes and sells, where it sits in the Closelook stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Unicaja Banco is a Spanish retail lender based in Málaga, offering current and savings accounts, cards, mortgages and consumer loans, alongside insurance, pension plans and investment funds through its branch and digital channels. It also handles payments, foreign trade services and currency exchange for personal and business customers.
Where it sits in the stack
Unicaja carries no seat in our index and sits outside the AI-linked layers the diary otherwise tracks; it belongs to the regional banking sleeve of the wider universe, where it is read as a domestic Spanish lender rather than a supplier to the build-out.
Who it is priced against
There is no peer group set for this name in our records; the comparison the market draws is with other Spanish regional lenders such as CaixaBank.
Why Closelook tracks it
It holds no seat in our index and carries a Closelook score, though only one module has been scored so far, so the read is still being built; there are no quotes on it yet.
What the diary watches
Whether the bank's margin holds up as Spanish rates move, and whether its share price keeps tracking above its recent averages or gives that back.

Unicaja Banco SA (UNI.MC) trades on the MC exchange in Spain, classified under Financial Services.

The Closelook company score reads 47/100 composite (momentum 86, quality 54, valuation 49) across 7 modules — the full breakdown, chart structure and analog history load live above.

Written from the company’s public profile and Closelook’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

Signals for this name

Every Closelook reading that exists for UNI.MC, from the same nightly bakes the boards use. Research diary readings, not advice.

Who it is priced against Banks - Regional · 8 names with week and year-to-date

Peer group

Banks - Regional

Names in the same industry from the Closelook universe; scored names rank on their Closelook score, the rest on trend state.

Compared against UNI.MC on the nightly bakes; the Peers tab ranks the cohort on the Closelook scores where it exists.

Dividends and capital return trailing yield 4.80%, semi-annual · buybacks 191 m EUR in FY2025

Dividends and capital return

What UNI.MC pays out and buys back — distributions read from the price series, money terms from the filings.

  • Trailing 12 months 0.17 EUR per share · a 4.80% yield on the 2026-09-18 close 2 distributions, paid twice a year 2026-09-18
  • Change on the year +123.9% against the prior twelve months prior twelve months 0.0771 EUR per share
  • Last distribution 0.11 EUR per share as the price series records it, within days of the ex-date 2026-04-21
  • By calendar year 2025: 0.14 EUR (partial) · 2026: 0.11 EUR to date first distribution recorded in the three-year window: 2025-04-22
  • Dividends paid, FY2025 358 m EUR 103% of earnings
  • Buybacks, FY2025 191 m EUR 2.0% of today's market value
  • Share count +0.0% in FY2025
  • Capital returned 549 m EUR · 328% of free cash flow dividends and buybacks together, against the year’s free cash flow

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

Weather around the name 4 macro readings: Money Temperature, Factor regime, Sector × region …

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 50/100 · S&P 500 fund at 49, above its 50- and 200-day averagesEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-09-18
  • Factor regime Momentum leading — risk appetite buildingMomentum against low volatility (SPMO / SPLV): above its 50-day trend, 97th percentile of the window, +4.9% over 20 sessions. Factor regime → 2026-09-18
  • Sector × region Financials in Europe: −2.4% week · −1.4% month · +3.6% quarter · +14.8% year (approximated)The Sector Engine cell this name lives in, from EXV1.XETRA+EXV6.XETRA+EXH8.XETRA; the 11 × 4 matrix shows where its sector is being bought and where it is being sold. Sector Engine → 2026-09-20
  • Sovereign pressure Index 0.07 · down 0.41 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-09-18

FAQ · from the current data · as of 2026-09-19

Quick answers

What is Unicaja Banco SA (UNI.MC)?

Unicaja Banco SA trades as UNI.MC on the MC exchange (Spain) and is classified under Financial Services in the Closelook research universe, as of the registry build of 2026-09-19.

Is UNI.MC in a Closelook index?

Not currently — Unicaja Banco SA is tracked in the Closelook research universe but is not a constituent of a Closelook functional index as of 2026-09-19.

What is Unicaja Banco SA's Closelook composite score?

47 out of 100, with momentum 86, quality 54 and valuation 49 sub-scores, as of 2026-09-19. Scores are Closelook's own research readings, not ratings or investment advice.

Where does UNI.MC trade against its moving averages?

Uptrend stack intact: Trades +3.3% vs the 50-day and +23.7% vs the 200-day average, 2.4% below the 52-week high and +68.5% off the 52-week low. Computed from daily closes. As of 2026-09-18 — a technical state from the nightly Closelook bake, not advice. The Technical tab carries the full row.

What does Unicaja Banco SA do?

Unicaja Banco is a Spanish retail lender based in Málaga, offering current and savings accounts, cards, mortgages and consumer loans, alongside insurance, pension plans and investment funds through its branch and digital channels. It also handles payments, foreign trade services and currency exchange for personal and business customers. There is no peer group set for this name in our records; the comparison the market draws is with other Spanish regional lenders such as CaixaBank.

Where does Unicaja Banco SA sit in the AI build-out?

Unicaja carries no seat in our index and sits outside the AI-linked layers the diary otherwise tracks; it belongs to the regional banking sleeve of the wider universe, where it is read as a domestic Spanish lender rather than a supplier to the build-out. It holds no seat in our index and carries a Closelook score, though only one module has been scored so far, so the read is still being built; there are no quotes on it yet.

Does Unicaja Banco SA pay a dividend?

Unicaja Banco SA has paid 0.17 EUR per share over the last twelve months, paid twice a year, a trailing yield of 4.80% on the 2026-09-18 close; the last distribution recorded in the price series was 0.11 EUR on 2026-04-21. In fiscal 2025 the company paid 358 m EUR in dividends and bought back 191 m EUR of its own shares, 328% of that year’s free cash flow. The share count rose 0.0% over the fiscal year. The "Dividends and capital return" block on this page carries the lines.

What does this page show?

A live price chart with SMA overlays and drawing tools for UNI.MC, performance metrics, index-membership context and the Closelook structure read — an investment research diary view, not investment advice.

Related in the Closelook universe

then Banks - Regional. Scored names rank on their Closelook score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.