BSAC vs. FHN: Banco Santander-Chile vs. First Horizon Stock Comparison

Company Profile

Banco Santander-Chile (BSAC) and First Horizon (FHN) both belong to the Banks industry, though BSAC is classified under Diversified Banks while FHN falls under Regional Banks.

First Horizon (FHN) 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% delivers above-range ROE, while First Horizon (FHN) at 7.92% falls into the bottom quartile — a wide split in profit generated from equity.

Banco Santander-Chile (BSAC) at 47.19% keeps a top-quartile share of each sales dollar as profit, while First Horizon (FHN) at 23.43% keeps a bottom-quartile share.

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

Profitability Metrics

Growth

Both Banco Santander-Chile (BSAC) at 9.86% and First Horizon (FHN) at 7.33% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

First Horizon (FHN) at 37.50% sits in the top EPS growth quartile, while Banco Santander-Chile (BSAC) at 22.86% is closer to the peer norm — faster per-share earnings growth for FHN.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Santander-Chile (BSAC) in Banks and First Horizon (FHN) 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 First Horizon (FHN) 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 First Horizon (FHN) reports a yield of 2.85%, ranking against industry peers normally.

Both Banco Santander-Chile (BSAC) at 57.73% and First Horizon (FHN) at 47.48% 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 First Horizon (FHN) at 16.58 sits in the richer quartile — FHN needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Banco Santander-Chile (BSAC) in Banks and First Horizon (FHN) 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.

On P/B ratio, both Banco Santander-Chile (BSAC) at 1.33 and First Horizon (FHN) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics