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BSAC vs CIB

BSAC
Banco Santander-Chile
NEUTRAL
Price
$36.18
Market Cap
$17.04B
Sector
Financial Services
AI Confidence
90%
CIB
Grupo Cibest S.A.
BEARISH
Price
$71.51
Market Cap
$16.97B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BSAC
14.19
CIB
9.05
Forward P/E
BSAC
12.82
CIB
7.94
P/B Ratio
BSAC
1.48
CIB
0.0
P/S Ratio
BSAC
--
CIB
--
EV/EBITDA
BSAC
--
CIB
--

Profitability

Gross Margin
BSAC
0.0%
CIB
0.0%
Operating Margin
BSAC
0.0%
CIB
0.0%
Profit Margin
BSAC
45.67%
CIB
30.91%
ROE
BSAC
23.16%
CIB
16.96%
ROA
BSAC
1.57%
CIB
1.89%

Growth

Revenue Growth
BSAC
-5.8%
CIB
-80.1%
Earnings Growth
BSAC
-7.7%
CIB
-72.3%

Financial Health

Debt/Equity
BSAC
--
CIB
--
Current Ratio
BSAC
--
CIB
--
Quick Ratio
BSAC
--
CIB
--

Dividends

Dividend Yield
BSAC
3.78%
CIB
6.89%
Payout Ratio
BSAC
56.1%
CIB
54.24%

AI Verdict

BSAC NEUTRAL

BSAC shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 0/9). Mixed signals with both opportunities and risks present.

Strengths
Attractive valuation with P/E of 14.2
Strong profitability (45.7% margin)
Strong ROE of 23.2%
Risks
Weak financial trend (Piotroski F-Score: 0/9)
Declining revenue (-5.8%)
CIB BEARISH

The deterministic health profile is critical, highlighted by a Piotroski F-Score of 0/9, indicating severe deterioration in financial fundamentals. While the stock has shown impressive long-term price appreciation and maintains a strong ROE of 16.96%, current growth metrics are catastrophic with YoY revenue down 80.10% and earnings down 72.30%. The stock is currently trading at $71.51, which is significantly above its growth-based intrinsic value of $55.30 and the analyst target price of $63.76. Despite an attractive dividend yield, the fundamental collapse outweighs the valuation appeal.

Strengths
Strong Return on Equity (ROE) of 16.96%
Attractive dividend yield of 6.89% with a sustainable payout ratio (54.24%)
Low P/E ratio (9.05) relative to the financial services sector average
Risks
Catastrophic YoY revenue decline of 80.10%
Severe earnings contraction of 72.30% YoY
Piotroski F-Score of 0/9 signaling extreme financial weakness

Compare Another Pair

BSAC vs CIB: Head-to-Head Comparison

This page compares Banco Santander-Chile (BSAC) and Grupo Cibest S.A. (CIB) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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