BSAC vs. WTFC: Banco Santander-Chile vs. Wintrust Financial Stock Comparison

Company Profile

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

Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) at 12.88%, which is closer to a typical peer reading.

Banco Santander-Chile (BSAC) at 47.19% retains a top-quartile share of revenue as profit, ahead of Wintrust Financial (WTFC) at 32.81%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Santander-Chile (BSAC) in Banks and Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) at 11.23% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Banco Santander-Chile (BSAC) at 22.86% and Wintrust Financial (WTFC) at 10.57% 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: Banco Santander-Chile (BSAC) in Banks and Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) reports a yield of 1.42%, ranking against industry peers normally.

Wintrust Financial (WTFC) at 16.49% 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

Both Banco Santander-Chile (BSAC) at 12.48 and Wintrust Financial (WTFC) at 11.60 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 Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) at 1.49 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics