COMPARE · Data as of August 27, 2026
BBT vs BSAC
Verdict: Side-by-side breakdown using the Bull Rankings model. BBT scored 79.0, BSAC scored 75.0 — BBT leads.
Compare another set
Different reporting periods. BBT's fundamentals are as of June 2026, but BSAC's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
BBT
Beacon Financial Corporation
67Fin
$31.54 · $2.6B
fundamentals as of
Strength gap
14.1
BSAC leads
BSAC
Banco Santander-Chile
81.1Fin
$35.31 · $16.6B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestBBT10.2x
- Fastest growthBBT+55.5%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
BBT
BSAC
+55.5%A
Rev
+20.2%A-
10.2xA-
P/E
13.5xB
8.4%C+
ROE
23.6%A-
1.05A-
P/B
1.48B+
4.1%B+
Yield
4.1%B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
BBTBeacon Financial Corporation
Why now
Banks - Regional · market cap $2.6b. 4% off the 52-week high of $32.83. Revenue growing +56% — in hypergrowth territory. 6 sell-side analysts publish a mean 1-yr target of $34.83 (implying +10% upside).
Moat
Net margin 21% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
BSACBanco Santander-Chile
Why now
Banks - Regional · market cap $16.6b. 6% off the 52-week high of $37.72. Revenue growing +20%, comfortably above the S&P median. 11 sell-side analysts rate this a Hold with a mean 1-yr target of $35.14 (implying -0% upside).
Moat
Net margin 47% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 24% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Credit-cycle exposure — provisions tend to lag actual loan deterioration by 2-3 quarters; a sharp uptick in net charge-offs is a leading indicator the market often misses until it's already priced.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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