BSBR vs. CIB: Banco Santander (Brasil) vs. Grupo Cibest Stock Comparison

Company Profile

Banco Santander (Brasil) (BSBR) 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 (Brasil) (BSBR) 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

Grupo Cibest (CIB) at 19.22% sits in the top ROE quartile, while Banco Santander (Brasil) (BSBR) at 10.20% is closer to the peer norm — stronger capital efficiency for CIB.

Banco Santander (Brasil) (BSBR) at 27.53% keeps about the industry-typical share of revenue as profit, while Grupo Cibest (CIB) at 17.57% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Banco Santander (Brasil) (BSBR) 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

Both Banco Santander (Brasil) (BSBR) at -3.79% and Grupo Cibest (CIB) at 5.11% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Neither side shows strong earnings momentum: Banco Santander (Brasil) (BSBR) at -4.61% sits in the bottom EPS growth quartile, and Grupo Cibest (CIB) at -38.49% is weaker still, below its industry range.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Santander (Brasil) (BSBR) 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 (Brasil) (BSBR) 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

Grupo Cibest (CIB) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Banco Santander (Brasil) (BSBR) reports a yield of 5.60%, ranking against industry peers normally.

Banco Santander (Brasil) (BSBR) reports payout ratio above 100% at 143.10%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Grupo Cibest (CIB) reports 31.29%, ranking against industry peers normally.

Dividend Metrics

Valuation

Grupo Cibest (CIB) at 11.13 is near its industry’s usual P/E ratio, while Banco Santander (Brasil) (BSBR) at 14.97 sits in the richer quartile — BSBR needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Banco Santander (Brasil) (BSBR) 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.

Measured against book value, both Banco Santander (Brasil) (BSBR) at 0.34 and Grupo Cibest (CIB) at 0.00 screen cheap — each P/B ratio falls below its industry’s benchmark range.

Valuation Metrics