Banco Santander Chile (BSAC) vs Pinnacle Financial Partners, Inc. (PNFP)

Banco Santander Chile and Pinnacle Financial Partners, Inc. are both Banks Regional companies. Banco Santander Chile is the larger, with a market value of $15.9B against $14.3B — 1.1× the size. Pinnacle Financial Partners, Inc. trades at the lower P/E: 13.0× against 13.1×. Pinnacle Financial Partners, Inc. grew revenue faster over the last twelve months: 67.0% against 1.92%. Banco Santander Chile has the higher net margin (24.0% vs 14.7%) and the higher return on invested capital (554.7% vs 4.85%). Both pay a dividend; Banco Santander Chile yields more (4.78% vs 1.18%). Across the 20 metrics below, Pinnacle Financial Partners, Inc. leads on 13 and Banco Santander Chile on 7.

Valuation

Metric BSAC PNFP Banks Regional median
P/E 13.12 12.97 12.15
P/S 3.04 2.69 2.37
P/B 2.84 1.02 1.21
Price to free cash flow 206.55 9.85 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.01 3.18 2.27
Earnings yield 7.62% 7.71% 8.11%
Free cash flow yield 0.48% 10.16% 8.98%

Profitability

Metric BSAC PNFP Banks Regional median
Gross margin 62.83% 65.82% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.02% 14.70% 18.66%
Free cash flow margin 0.00% 27.35% 21.18%
Return on equity 23.60% 7.65% 10.64%
Return on assets 1.69% 0.85% 1.13%
Return on invested capital 554.73% 4.85% 8.33%

Growth

Metric BSAC PNFP Banks Regional median
Revenue growth (TTM) 1.92% 66.95% 6.61%
EPS growth (last fiscal year) 31.91% 35.40% —
Revenue growth, 5-year CAGR 8.18% 19.79% 12.30%
Net income growth, 5-year CAGR 9.56% 15.51% 9.71%

Health

Metric BSAC PNFP Banks Regional median
Debt to equity 2.06 0.69 0.22
Current ratio 1.72 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSAC PNFP Banks Regional median
Dividend yield 4.78% 1.18% 3.75%
Payout ratio 0.89 0.11 0.27

Size

Metric BSAC PNFP Banks Regional median
Market cap 15.91b 14.27b 921.07m

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