BMO vs. BSAC: Bank of Montreal vs. Banco Santander-Chile Stock Comparison

Company Profile

Bank of Montreal (BMO) and Banco Santander-Chile (BSAC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Bank of Montreal (BMO) trades as ordinary local shares, while Banco Santander-Chile (BSAC) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Banco Santander-Chile (BSAC) at 23.31% clears its industry range for ROE, a sharper capital-efficiency signal than Bank of Montreal (BMO) at 10.57%, which is closer to a typical peer reading.

Banco Santander-Chile (BSAC) at 47.19% keeps a top-quartile share of each sales dollar as profit, while Bank of Montreal (BMO) at 25.66% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) in Banks and Banco Santander-Chile (BSAC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Bank of Montreal (BMO) at 12.67% and Banco Santander-Chile (BSAC) at 9.86% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Bank of Montreal (BMO) at 20.29% and Banco Santander-Chile (BSAC) at 22.86% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of Montreal (BMO) in Banks and Banco Santander-Chile (BSAC) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Bank of Montreal (BMO) in Banks and Banco Santander-Chile (BSAC) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Banco Santander-Chile (BSAC) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bank of Montreal (BMO) reports a yield of 3.87%, ranking against industry peers normally.

Both Bank of Montreal (BMO) at 54.44% and Banco Santander-Chile (BSAC) at 57.73% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Banco Santander-Chile (BSAC) at 12.48 is near its industry’s usual P/E ratio, while Bank of Montreal (BMO) at 19.34 sits above its peer range — an unusually expensive price for BMO’s trailing earnings.

P/S ratio is set aside for both Bank of Montreal (BMO) in Banks and Banco Santander-Chile (BSAC) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Banco Santander-Chile (BSAC) at 1.33 is valued about in line with its industry on P/B ratio, while Bank of Montreal (BMO) at 1.97 carries an above-peer premium to book — BMO is pricier on assets.

Valuation Metrics