BSBR vs. FHN: Banco Santander (Brasil) vs. First Horizon Stock Comparison

Company Profile

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

First Horizon (FHN) trades as ordinary local shares, while Banco Santander (Brasil) (BSBR) 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 (Brasil) (BSBR) at 10.20% is around its peer norm for ROE, while First Horizon (FHN) at 7.92% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Banco Santander (Brasil) (BSBR) at 27.53% keeps about the industry-typical share of revenue as profit, while First Horizon (FHN) at 23.43% retains only a bottom-quartile share.

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

First Horizon (FHN) at 7.33% is around its peer norm for revenue growth, while Banco Santander (Brasil) (BSBR) at -3.79% drops into the bottom quartile, signaling weaker demand or pricing momentum.

First Horizon (FHN) at 37.50% sits in the top EPS growth quartile, while Banco Santander (Brasil) (BSBR) at -4.61% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Santander (Brasil) (BSBR) 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 (Brasil) (BSBR) 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 (Brasil) (BSBR) at 5.60% delivers top-quartile income for its industry, while First Horizon (FHN) at 2.85% pays a more typical yield — both are credible income propositions, BSBR the richer one.

Banco Santander (Brasil) (BSBR) reports payout ratio above 100% at 143.10%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile First Horizon (FHN) reports 47.48%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Banco Santander (Brasil) (BSBR) at 14.97 and First Horizon (FHN) at 16.58 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

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

Banco Santander (Brasil) (BSBR) at 0.34 trades below its peer P/B ratio range relative to book, while First Horizon (FHN) at 1.34 sits near its industry’s middle — BSBR is the cheaper of the two against assets.

Valuation Metrics