BSBR vs. TFC: Banco Santander (Brasil) vs. Truist Financial Stock Comparison

Company Profile

Banco Santander (Brasil) (BSBR) and Truist Financial (TFC) both belong to the Banks industry, though BSBR is classified under Diversified Banks while TFC falls under Regional Banks.

Truist Financial (TFC) 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 Truist Financial (TFC) at 8.16% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both Banco Santander (Brasil) (BSBR) at 27.53% and Truist Financial (TFC) at 28.38% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Banco Santander (Brasil) (BSBR) in Banks and Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Truist Financial (TFC) at 53.03% delivers above-range revenue growth, while Banco Santander (Brasil) (BSBR) at -3.79% falls into the bottom quartile — a wide split in revenue momentum.

Truist Financial (TFC) at 13.69% is around its peer norm for EPS growth, while Banco Santander (Brasil) (BSBR) at -4.61% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Santander (Brasil) (BSBR) in Banks and Truist Financial (TFC) 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 Truist Financial (TFC) 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

Both Banco Santander (Brasil) (BSBR) at 5.60% and Truist Financial (TFC) at 4.17% offer top-quartile dividend income relative to share price within their industries.

Banco Santander (Brasil) (BSBR) reports payout ratio above 100% at 143.10%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Truist Financial (TFC) reports 53.61%, ranking against industry peers normally.

Dividend Metrics

Valuation

Truist Financial (TFC) at 12.73 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 Truist Financial (TFC) 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 is priced below its industry’s P/B ratio range against book, and Truist Financial (TFC) at 1.06 also sits in the lower quartile — both look cheap on assets, BSBR more so.

Valuation Metrics