COMPARE · Data as of August 28, 2026
BSAC vs OZK
Verdict: Side-by-side breakdown using the Bull Rankings model. BSAC scored 75.0, OZK scored 74.0 — BSAC leads.
Compare another set
Different reporting periods. OZK'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.
BSAC
Banco Santander-Chile
82Fin
$35.14 · $16.6B
fundamentals as of
Strength gap
8.9
BSAC leads
OZK
Bank OZK
73.1Fin
$49.40 · $5.4B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestOZK8.2x
- Fastest growthBSAC+20.2%
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
BSAC
OZK
+20.2%A-
Rev
+4.2%C+
13.4xB
P/E
8.2xA-
23.6%A-
ROE
11.3%B
1.43B+
P/B
0.91A-
4.2%B+
Yield
3.8%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
BSACBanco Santander-Chile
Why now
Banks - Regional · market cap $16.6b. 7% 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 $35.34 (implying +1% 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.
OZKBank OZK
Why now
Banks - Regional · market cap $5.4b. 8% off the 52-week high of $53.66. 9 sell-side analysts rate this a Hold with a mean 1-yr target of $54.67 (implying +11% upside).
Moat
Net margin 45% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 11% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. 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
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.