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BSAC vs ITUB
Which Stock Would AI Choose? Banco Santander-Chile (BSAC) vs. Itaú Unibanco Holding S.A. (ITUB) Stock Comparison
Key Takeaways
- ITUB commands a much larger market capitalization of about $95 billion compared to BSAC's roughly $15 billion, reflecting its dominant position in Brazil.
- Year-to-date performance favors ITUB with a gain of approximately 21%, outpacing BSAC's 5% rise amid recent market activity.
- BSAC provides a higher dividend yield of 4.85%, attracting income-oriented investors, while ITUB's yield stands at 1.22%.
- Both stocks show low volatility with betas around 0.3 (a measure of market sensitivity), suiting conservative portfolios.
- Trailing price-to-earnings (P/E) ratios are competitive, with ITUB at 10.8 and BSAC at 12.9, indicating reasonable valuations.
- Analyst price targets point to potential upside for BSAC (average $33.69) and stability for ITUB (average $8.36).
Introduction
This stock comparison examines BSAC and ITUB, two prominent regional banks from Latin America—Chile and Brazil, respectively. Investors interested in emerging market financials, dividend stability, or diversification beyond U.S. sectors may find value here. Both offer exposure to retail banking and economic recovery trends in South America, with recent performances influenced by local monetary policies and global risk sentiment. By analyzing business models, momentum, and key metrics, traders can gauge relative positioning in the current environment.
BSAC Overview and Recent Performance
Banco Santander-Chile (BSAC) is a leading provider of retail, commercial, and wealth management services in Chile, operating through segments like Retail Banking, Middle-Market, and Corporate & Investment Banking. As a subsidiary of Spain's Banco Santander, it benefits from strong parent support. In recent weeks, BSAC shares have traded around $31, within a 52-week range of $22.77 to $37.72, reflecting stability amid Chile's economic adjustments. Year-to-date gains stand at about 5%, supported by a recent dividend announcement of $1.52 per share and positive earnings commentary on profitability despite lower inflation pressures. Sentiment has been buoyed by analyst upgrades, including JP Morgan's overweight rating with a $40 target, driven by decreasing funding costs and robust return on equity (ROE, a profitability measure) of 22%.
ITUB Overview and Recent Performance
Itaú Unibanco Holding S.A. (ITUB), Brazil's largest private bank, delivers retail, wholesale, and insurance products across Latin America, with significant operations in Brazil, Chile, and beyond. Its scale includes consumer loans (43% of portfolio) and a top asset management position. Recently, shares hover near $8.62, in a 52-week band of $5.87 to $9.60, with year-to-date returns of roughly 21% outperforming broader markets. Performance reflects resilient loan growth and recurring net income records from affiliates, alongside SEC filings for 2025 results. Analyst sentiment remains positive, with JP Morgan maintaining overweight and a $9 target, fueled by strong ROE near 21% and economic advisory services.
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Head-to-Head Comparison
Both BSAC and ITUB operate in regional banking but differ in scale and geography: BSAC focuses on Chile's retail and mortgage lending, while ITUB's diversified model spans Brazil's massive consumer base and international wholesale services. Growth drivers favor ITUB's larger loan portfolio and asset management, contributing to superior one-year returns of 54% versus BSAC's 37%. Recent momentum shows ITUB's edge in YTD gains, though BSAC counters with higher dividends and slightly better profit margins (44.9%). Risk profiles align with low betas (0.29 for BSAC, 0.27 for ITUB), but Brazil's higher sector exposure introduces currency volatility trade-offs. Market sentiment tilts toward ITUB for size-driven stability, while BSAC appeals for Chile-specific recovery plays.
Tickeron AI Verdict
Tickeron’s AI models currently favor ITUB with higher probability in the near term, citing consistent trend strength, superior YTD momentum, and expansive market positioning in Brazil's recovering economy. BSAC remains competitive for dividend seekers, but ITUB's scale and analyst-backed catalysts suggest better relative upside potential under prevailing conditions.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BSAC is a Hold and ITUB is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BSAC’s FA Score shows that 2 FA rating(s) are green whileITUB’s FA Score has 2 green FA rating(s).
- BSAC’s FA Score: 2 green, 3 red.
- ITUB’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BSAC’s TA Score shows that 3 TA indicator(s) are bullish while ITUB’s TA Score has 5 bullish TA indicator(s).
- BSAC’s TA Score: 3 bullish, 7 bearish.
- ITUB’s TA Score: 5 bullish, 5 bearish.
Price Growth
BSAC (@Regional Banks) experienced а -4.92% price change this week, while ITUB (@Regional Banks) price change was -7.10% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.78%. For the same industry, the average monthly price growth was +1.06%, and the average quarterly price growth was +17.15%.
Reported Earning Dates
BSAC is expected to report earnings on Jul 30, 2026.
ITUB is expected to report earnings on Aug 04, 2026.
Industries' Descriptions
@Regional Banks (-0.78% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BSAC | ITUB | BSAC / ITUB | |
| Capitalization | 14.3B | 89.8B | 16% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 1.124 | 10.915 | 10% |
| P/E Ratio | 12.61 | 9.35 | 135% |
| Revenue | 2.86T | 164B | 1,741% |
| Total Cash | N/A | N/A | - |
| Total Debt | 11.1T | 561B | 1,978% |
BSAC | ITUB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 56 | 57 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 82 Overvalued | 43 Fair valued | |
PROFIT vs RISK RATING 1..100 | 38 | 9 | |
SMR RATING 1..100 | 1 | 3 | |
PRICE GROWTH RATING 1..100 | 59 | 50 | |
P/E GROWTH RATING 1..100 | 32 | 56 | |
SEASONALITY SCORE 1..100 | n/a | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ITUB's Valuation (43) in the Major Banks industry is somewhat better than the same rating for BSAC (82) in the Regional Banks industry. This means that ITUB’s stock grew somewhat faster than BSAC’s over the last 12 months.
ITUB's Profit vs Risk Rating (9) in the Major Banks industry is in the same range as BSAC (38) in the Regional Banks industry. This means that ITUB’s stock grew similarly to BSAC’s over the last 12 months.
BSAC's SMR Rating (1) in the Regional Banks industry is in the same range as ITUB (3) in the Major Banks industry. This means that BSAC’s stock grew similarly to ITUB’s over the last 12 months.
ITUB's Price Growth Rating (50) in the Major Banks industry is in the same range as BSAC (59) in the Regional Banks industry. This means that ITUB’s stock grew similarly to BSAC’s over the last 12 months.
BSAC's P/E Growth Rating (32) in the Regional Banks industry is in the same range as ITUB (56) in the Major Banks industry. This means that BSAC’s stock grew similarly to ITUB’s over the last 12 months.
| BSAC | ITUB | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 54% | 1 day ago 90% |
| Stochastic ODDS (%) | 1 day ago 76% | 1 day ago 67% |
| Momentum ODDS (%) | 1 day ago 51% | 1 day ago 63% |
| MACD ODDS (%) | 1 day ago 53% | 1 day ago 66% |
| TrendWeek ODDS (%) | 1 day ago 51% | 1 day ago 61% |
| TrendMonth ODDS (%) | 1 day ago 48% | 1 day ago 60% |
| Advances ODDS (%) | 28 days ago 67% | 30 days ago 72% |
| Declines ODDS (%) | 4 days ago 55% | 1 day ago 61% |
| BollingerBands ODDS (%) | 7 days ago 40% | 1 day ago 65% |
| Aroon ODDS (%) | 1 day ago 62% | 1 day ago 75% |
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BSAC and
Correlation & Price change
A.I.dvisor indicates that over the last year, BSAC has been closely correlated with BCH. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if BSAC jumps, then BCH could also see price increases.
| Ticker / NAME | Correlation To BSAC | 1D Price Change % | ||
|---|---|---|---|---|
| BSAC | 100% | -0.76% | ||
| BCH - BSAC | 84% Closely correlated | -1.52% | ||
| ITUB - BSAC | 63% Loosely correlated | -3.09% | ||
| BSBR - BSAC | 60% Loosely correlated | -4.42% | ||
| CIB - BSAC | 59% Loosely correlated | -1.15% | ||
| BBD - BSAC | 58% Loosely correlated | -3.84% | ||
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ITUB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ITUB has been closely correlated with BSBR. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if ITUB jumps, then BSBR could also see price increases.
| Ticker / NAME | Correlation To ITUB | 1D Price Change % | ||
|---|---|---|---|---|
| ITUB | 100% | -3.09% | ||
| BSBR - ITUB | 78% Closely correlated | -4.42% | ||
| BBD - ITUB | 74% Closely correlated | -3.84% | ||
| INTR - ITUB | 66% Closely correlated | -4.06% | ||
| BSAC - ITUB | 63% Loosely correlated | -0.76% | ||
| BCH - ITUB | 59% Loosely correlated | -1.52% | ||
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