BSAC vs. UMBF: Banco Santander-Chile vs. UMB Financial Stock Comparison

Company Profile

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

UMB Financial (UMBF) 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 UMB Financial (UMBF) at 13.50%, which is closer to a typical peer reading.

For every dollar of sales, both Banco Santander-Chile (BSAC) at 47.19% and UMB Financial (UMBF) at 35.61% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

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

Profitability Metrics

Growth

UMB Financial (UMBF) at 65.66% clears its industry range for revenue growth, far stronger top-line momentum than Banco Santander-Chile (BSAC) at 9.86%, which is closer to a typical peer reading.

Banco Santander-Chile (BSAC) at 22.86% is around its peer norm for EPS growth, while UMB Financial (UMBF) at 3.34% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Santander-Chile (BSAC) in Banks and UMB Financial (UMBF) 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 UMB Financial (UMBF) 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 UMB Financial (UMBF) reports a yield of 1.33%, ranking against industry peers normally.

UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; Banco Santander-Chile (BSAC) at 57.73% distributes an above-typical share — opposite departures from the band, with the risk sitting on BSAC’s side.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Banco Santander-Chile (BSAC) at 12.48 is closer to its industry’s usual earnings multiple — a discount for UMBF, though growth and earnings durability still matter.

P/S ratio is set aside for both Banco Santander-Chile (BSAC) in Banks and UMB Financial (UMBF) 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 UMB Financial (UMBF) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics