BSAC vs. CIB: Banco Santander-Chile vs. Grupo Cibest Stock Comparison

Company Profile

Banco Santander-Chile (BSAC) and Grupo Cibest (CIB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Banco Santander-Chile (BSAC) and Grupo Cibest (CIB) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

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

Both companies show strong equity returns, but Banco Santander-Chile (BSAC) at 23.31% is the standout with ROE above its industry range; Grupo Cibest (CIB) at 19.22% also sits in the top quartile.

Banco Santander-Chile (BSAC) at 47.19% keeps a top-quartile share of each sales dollar as profit, while Grupo Cibest (CIB) at 17.57% keeps a bottom-quartile share.

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

Profitability Metrics

Growth

Banco Santander-Chile (BSAC) at 9.86% is around its peer norm for revenue growth, while Grupo Cibest (CIB) at 5.11% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Banco Santander-Chile (BSAC) at 22.86% is around its peer norm for EPS growth, while Grupo Cibest (CIB) at -38.49% falls below its industry range, a notably weak earnings reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Santander-Chile (BSAC) in Banks and Grupo Cibest (CIB) 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: Banco Santander-Chile (BSAC) in Banks and Grupo Cibest (CIB) 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

Neither Banco Santander-Chile (BSAC) nor Grupo Cibest (CIB) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Grupo Cibest (CIB) at 31.29% pays out a band-typical share of earnings, while Banco Santander-Chile (BSAC) at 57.73% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Banco Santander-Chile (BSAC) at 12.48 and Grupo Cibest (CIB) at 11.13 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Banco Santander-Chile (BSAC) in Banks and Grupo Cibest (CIB) 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.

Grupo Cibest (CIB) at 0.00 trades below its peer P/B ratio range relative to book, while Banco Santander-Chile (BSAC) at 1.33 sits near its industry’s middle — CIB is the cheaper of the two against assets.

Valuation Metrics