SAN vs. USB: Banco Santander vs. U.S. Bancorp Stock Comparison

Company Profile

Banco Santander (SAN) and U.S. Bancorp (USB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

U.S. Bancorp (USB) trades as ordinary local shares, while Banco Santander (SAN) 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

Both Banco Santander (SAN) at 13.06% and U.S. Bancorp (USB) at 12.84% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both Banco Santander (SAN) at 32.58% and U.S. Bancorp (USB) at 30.01% 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 (SAN) in Banks and U.S. Bancorp (USB) 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 (SAN) at -0.47% and U.S. Bancorp (USB) at 4.41% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Both Banco Santander (SAN) at 17.19% and U.S. Bancorp (USB) at 21.90% 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 (SAN) in Banks and U.S. Bancorp (USB) 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 (SAN) in Banks and U.S. Bancorp (USB) 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

U.S. Bancorp (USB) at 3.51% delivers top-quartile income for its industry, while Banco Santander (SAN) at 2.10% pays a more typical yield — both are credible income propositions, USB the richer one.

Both Banco Santander (SAN) at 25.91% and U.S. Bancorp (USB) at 40.86% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both Banco Santander (SAN) at 11.08 and U.S. Bancorp (USB) at 11.57 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 (SAN) in Banks and U.S. Bancorp (USB) 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 (SAN) at 1.33 and U.S. Bancorp (USB) at 1.55 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics