Financial Review: Banco Santander-Chile (NYSE:BSAC) vs. FREEDOM BK OF V/SH SH (NYSE:FDVA)

Banco Santander-Chile (NYSE:BSAC) and FREEDOM BK OF V/SH SH (OTCMKTS:FDVA) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, risk, institutional ownership, profitability, analyst recommendations, valuation and dividends.

Valuation and Earnings

This table compares Banco Santander-Chile and FREEDOM BK OF V/SH SH’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Banco Santander-Chile $3.84 billion 3.61 $952.53 million $1.80 16.35
FREEDOM BK OF V/SH SH $25.57 million 2.51 $190,000.00 N/A N/A

Banco Santander-Chile has higher revenue and earnings than FREEDOM BK OF V/SH SH.

Dividends

Banco Santander-Chile pays an annual dividend of $0.83 per share and has a dividend yield of 2.8%. FREEDOM BK OF V/SH SH does not pay a dividend. Banco Santander-Chile pays out 46.1% of its earnings in the form of a dividend.

Profitability

This table compares Banco Santander-Chile and FREEDOM BK OF V/SH SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Banco Santander-Chile 22.18% 17.02% 1.41%
FREEDOM BK OF V/SH SH 1.54% 0.67% 0.08%

Insider & Institutional Ownership

13.1% of Banco Santander-Chile shares are held by institutional investors. Comparatively, 2.3% of FREEDOM BK OF V/SH SH shares are held by institutional investors. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Risk and Volatility

Banco Santander-Chile has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500. Comparatively, FREEDOM BK OF V/SH SH has a beta of 0.3, indicating that its stock price is 70% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for Banco Santander-Chile and FREEDOM BK OF V/SH SH, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Banco Santander-Chile 0 1 0 0 2.00
FREEDOM BK OF V/SH SH 0 0 0 0 N/A

Banco Santander-Chile currently has a consensus price target of $32.00, indicating a potential upside of 8.73%. Given Banco Santander-Chile’s higher probable upside, analysts plainly believe Banco Santander-Chile is more favorable than FREEDOM BK OF V/SH SH.

Summary

Banco Santander-Chile beats FREEDOM BK OF V/SH SH on 10 of the 12 factors compared between the two stocks.

Banco Santander-Chile Company Profile

Banco Santander-Chile provides commercial and retail banking products and services in Chile. It operates through Retail Banking, Middle-Market, and Global Corporate Banking segments. The company offers checking accounts and savings products; consumer, auto, commercial, mortgage, and government-guaranteed loans; credit and debit cards; and Chilean peso and foreign currency denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines. It also provides mutual funds, insurance and stock brokerage, foreign exchange, leasing, factoring, financial consulting, investment management, foreign trade and mortgage financing, treasury, and transactional services, as well as specialized services to finance projects for the real estate industry. In addition, the company offers short-term financing and fund raising, brokerage services, derivatives, securitization, and other tailor-made products. It serves individuals, small to middle-sized entities, companies, and large corporations, as well as universities, government entities, and local and regional governments. The company operates 380 branches, which include 266 under the Santander brand name, 46 under the Select brand name, 7 specialized branches for the middle market, and 21 as auxiliary and payment centers, as well as 910 ATMs. Banco Santander-Chile was founded in 1977 and is headquartered in Santiago, Chile.

FREEDOM BK OF V/SH SH Company Profile

The Freedom Bank of Virginia provides various banking products and services primarily in the Northern Virginia area. The company accepts checking and savings accounts, certificates of deposit, and individual retirement accounts. Its loan products include consumer loans, such as installment loans, home equity line of credit, and mortgages for purchasing homes or refinancing existing mortgages; and commercial loans, including business installment loans, commercial line of credit, commercial real estate mortgages, and small business administration loans, as well as mortgage services. The company also provides credit and ATM/debit cards; insurance products; and online security, overdraft protection, notary, Merchant Visa and MasterCard agency, and online and telephone banking services, as well as wire transfers, ACH transactions, direct and night deposits, safe deposit boxes, cashier's checks, certified checks, money orders, and savings bonds. In addition, it acts as a broker-dealer in securities. The company operates through a network of branch offices located in Vienna, Fairfax, Reston, and Chantilly in Virginia. The Freedom Bank of Virginia is headquartered in Fairfax, Virginia.

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