EWBC vs BSAC vs CFG Stock Comparison

East West Bancorp, Banco Santander Chile and Citizens Financial Prices as of Nov 4, 2026 Peers: Industry group
EWBC East West Bancorp Inc
$134.06 +5.7% 1M +34.1% 1Y
Market cap
$18.37B
P/E
12.7x
Revenue (TTM)
$3.10B
Div. yield
2.39%
Regional Banks Financial Services
7 wins
BSAC Banco Santander Chile
$33.08 +1.2% 1M +16.6% 1Y
Market cap
$415.59B
P/E
0.0x
Revenue (TTM)
—
Div. yield
4.47%
Regional Banks Financial Services
5 wins

Head to Head

12 decided of 12

East West Bancorp leads on 7 of the 12 questions below (East West Bancorp 7, Banco Santander Chile 5). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionEWBCBSACCFGLeader
Larger companyMarket capitalisation $18.37B $415.59B $27.76B BSAC
Cheaper on earningsLower P/E, profitable companies only 12.7x 0.0x 13.1x BSAC
Cheaper on forward earningsLower price / next fiscal year consensus EPS 11.7x 11.6x 12.2x BSAC
Faster revenue growthRevenue growth, trailing twelve months +13.7% — +10.6% EWBC
More profitableNet margin, trailing twelve months 46.6% — 23.8% EWBC
Better return on capitalReturn on invested capital 22.4% — 12.0% EWBC
Less leveragedLower net debt / EBITDA -0.6x 0.0x 2.6x EWBC
Higher dividend yieldTrailing dividend yield 2.39% 4.47% 2.88% BSAC
Better 1-year returnPrice return, last 12 months +34.1% +16.6% +29.9% EWBC
Better 5-year returnAnnualised price return, 5 years +10.0%/yr +12.1%/yr +6.6%/yr BSAC
Less volatileAnnualised volatility, 1 year 22.8% 29.4% 25.6% EWBC
Higher overall scoreMean of the five percentile scores vs peers 66/100 33/100 23/100 EWBC

Percentile Scorecard

EWBCBSACCFG

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisEWBCBSACCFG
Valuation 41 #213 of 360 10 #323 of 360 19 #292 of 360
Growth 53 #161 of 344 18 #281 of 344 13 #299 of 344
Profitability 96 #14 of 345 – 15 #295 of 345
Financial Health 66 #117 of 339 9 #308 of 339 20 #273 of 339
Shareholder Returns 73 #96 of 352 94 #23 of 352 47 #186 of 352
Overall 66 33 23
  • EWBC ranked among 368 companies in Banking
  • BSAC ranked among 368 companies in Banking
  • CFG ranked among 368 companies in Banking

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodEWBCBSACCFGSPY
1 month +5.7%+1.2%+2.5% -1.0%
3 months +0.6%-6.2%-10.4% -0.4%
6 months +7.1%+4.9%+0.4% +4.5%
Year to date +19.3%+6.3%+12.8% +12.4%
1 year +34.1%+16.6%+29.9% +13.6%
3 years +126.8%+78.8%+151.8% +76.4%
3 years, per year +31.4%+21.4%+36.1% +20.8%
5 years +61.0%+77.0%+37.9% +63.7%
5 years, per year +10.0%+12.1%+6.6% +10.4%
10 years +246.9%+47.0%+149.5% +267.7%
10 years, per year +13.2%+3.9%+9.6% +13.9%

Risk

MeasureEWBCBSACCFGSPY
Volatility, 1Y 22.8%29.4%25.6% 12.8%
Downside volatility, 1Y 22.8%30.8%25.9% 12.7%
Beta vs S&P 500, 1Y 0.741.130.90 1.00
Return / volatility, 1Y 1.500.561.17 1.06
Max drawdown, 5Y -55.5%-40.5%-59.4% -25.4%
From 52-week high -1.9%-11.7%-11.8% -1.6%
52-week high $136.60$37.46$74.73 $779.14
52-week low $99.52$28.38$49.71 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleEWBCBSACCFG
P/E now vs peer median 12.7xmedian 12.7x 0.0xmedian 12.7x 13.1xmedian 12.7x
P/S now vs peer median 5.9xmedian 3.5x 78.5xmedian 3.5x 3.1xmedian 3.5x
EV/EBITDA now vs peer median 4.4xmedian 4.9x 0.3xmedian 4.9x 6.6xmedian 4.9x
P/FCF now vs peer median 9.9xmedian 11.0x -13,482xmedian 11.0x 25.4xmedian 11.0x
P/B now vs peer median 2.0xmedian 1.3x 66.6xmedian 1.3x 1.1xmedian 1.3x
PEG now vs peer median 2.35median 1.33 0.00median 1.33 2.04median 1.33

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsEWBCBSACCFG
Revenue $3.10B – $8.93B
Operating income – $278.26B –
Net income $1.45B -$1.70T $2.27B
Free cash flow $1.86B – $1.09B
EPS (diluted) $10.46 $1,126.89 $4.99
Cash & equivalents $5.09B $2.20B –
Total debt $3.04B $47.85B $17.83B
Shares (diluted) 138.30M 471.12M 425.66M
Enterprise value -$42.32M -$7.10T $27.76B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricEWBCBSACCFG
P/E 12.7x 0.0x 13.1x
P/FCF 9.9x -13,482x 25.4x
P/Operating cash flow 9.3x – 22.1x
P/S 5.9x 78.5x 3.1x
P/B 2.0x 66.6x 1.1x
P/Tangible book 2.0x -4.9x 1.1x
EV/EBITDA 4.4x 0.3x 6.6x
EV/EBIT 4.7x 1.6x 7.0x
EV/Revenue 5.3x – 5.1x
EV/FCF 8.8x – 41.7x
EV/Operating cash flow 8.3x – 36.2x
PEG (3Y EPS CAGR) 2.35 0.00 2.04

Growth

14 metrics
MetricEWBCBSACCFG
Revenue growth (1Y) 13.7% – 10.6%
Revenue CAGR (3Y) 6.0% – 1.9%
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) – -85.8% –
Operating income CAGR (3Y) – 44.6% –
Net income growth (1Y) 21.2% -229.4% 33.1%
Net income CAGR (3Y) 4.5% -114.2% 3.1%
EPS growth (1Y) 21.7% -18.5% 38.9%
EPS CAGR (3Y) 5.4% 48.4% 6.4%
Operating cash flow growth (1Y) 36.9% – -55.9%
Operating cash flow CAGR (3Y) 6.9% – -30.4%
Free cash flow growth (1Y) 29.5% – -59.8%
Free cash flow CAGR (3Y) 4.8% – -32.9%

Profitability

14 metrics
MetricEWBCBSACCFG
Gross margin – – –
EBITDA margin 119.8% – 77.7%
Operating margin – – –
Pretax margin 59.9% – 32.3%
Net margin 46.6% – 23.8%
FCF margin 60.1% – 12.2%
Operating cash flow margin 63.7% – 14.1%
Return on equity 15.9% – 8.8%
Return on assets 1.7% 2,022% 1.0%
Return on invested capital 22.4% – 12.0%
Return on capital employed – – –
Asset turnover 0.0x – 0.0x
Cash conversion (OCF / net income) 1.4x – 0.6x
Stock comp / revenue 2.8% – 1.5%

Financial Health

11 metrics
MetricEWBCBSACCFG
Debt / assets 3.6% 63.2% 7.6%
Debt / equity 0.3x 7.7x 0.7x
Net debt / EBITDA -0.6x 0.0x 2.6x
Debt / FCF 1.6x – 16.3x
Liabilities / assets 89.1% 91.8% 89.3%
Equity / assets 10.9% 8.2% 10.7%
Interest coverage 2.1x – 1.8x
Current ratio – – –
Quick ratio – 0.1x –
Cash ratio – 0.1x –
Altman Z-score – – –

Shareholder Returns

7 metrics
MetricEWBCBSACCFG
Dividend yield 2.4% 4.5% 2.9%
Net buyback yield 0.7% – 4.2%
Shareholder yield 3.1% 4.5% 7.1%
Payout ratio (earnings) 26.9% – 35.0%
Payout ratio (FCF) 20.9% – 72.6%
Dividend growth (1Y) 21.1% – 6.7%
Dividend CAGR (3Y) 15.6% – -1.1%

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusEWBCBSACCFG
Forward P/E 11.7xFY2026 11.6xFY2026 12.2xFY2026
EPS, next fiscal year $11.43FY2026 $2.84FY2026 $5.42FY2026
EPS growth, next FY +20.1%FY2026 +9.7%FY2026 +40.4%FY2026
EPS growth, the year after -2.4% +2.5% +27.1%
Revenue, next fiscal year $3.02BFY2026 $3.07BFY2026 $8.59BFY2026
Revenue growth, next FY +2.8%FY2026 -7.8%FY2026 +4.1%FY2026
Revenue growth, the year after +22.9% +19.1% +11.4%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersEWBCBSACCFG
Held by institutions 92.0% 0.2% 96.7%
Institutions holding 650 157 1,099
Change in shares held, QoQ +1.4% +1.7% +2.9%
Institutions buying 352 82 634
Institutions selling 200 51 315
Buyers to sellers 1.76 1.61 2.01

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

EWBCBSACCFG
EWBC 1.00 0.25 0.81
BSAC 0.25 1.00 0.41
CFG 0.81 0.41 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, EWBC, BSAC and CFG?

Banco Santander Chile (BSAC) is the largest by market capitalisation: East West Bancorp (EWBC) $18.37B, Banco Santander Chile (BSAC) $415.59B, Citizens Financial (CFG) $27.76B.

Which stock is cheaper, EWBC, BSAC and CFG?

Banco Santander Chile (BSAC) trades on the lowest price-to-earnings ratio (East West Bancorp (EWBC) 12.7x, Banco Santander Chile (BSAC) 0.0x, Citizens Financial (CFG) 13.1x). On next year's consensus earnings, Banco Santander Chile (BSAC) is cheapest (East West Bancorp (EWBC) 11.7x, Banco Santander Chile (BSAC) 11.6x, Citizens Financial (CFG) 12.2x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

East West Bancorp (EWBC) grew revenue fastest over the trailing twelve months: East West Bancorp (EWBC) +13.7%, Citizens Financial (CFG) +10.6%.

Which company is more profitable?

East West Bancorp (EWBC) has the highest net margin (East West Bancorp (EWBC) 46.6%, Citizens Financial (CFG) 23.8%). On return on invested capital, East West Bancorp (EWBC) leads (East West Bancorp (EWBC) 22.4%, Citizens Financial (CFG) 12.0%).

Which stock has performed better?

Over the past year East West Bancorp (EWBC) returned the most: East West Bancorp (EWBC) +34.1%, Banco Santander Chile (BSAC) +16.6%, Citizens Financial (CFG) +29.9%. Over five years, Banco Santander Chile (BSAC) compounded fastest (East West Bancorp (EWBC) +10.0%/yr, Banco Santander Chile (BSAC) +12.1%/yr, Citizens Financial (CFG) +6.6%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Banco Santander Chile (BSAC) has the highest dividend yield: East West Bancorp (EWBC) 2.39%, Banco Santander Chile (BSAC) 4.47%, Citizens Financial (CFG) 2.88%.

Which stock is riskier?

By one-year price volatility, East West Bancorp (EWBC) has been the steadiest (East West Bancorp (EWBC) 22.8%, Banco Santander Chile (BSAC) 29.4%, Citizens Financial (CFG) 25.6%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, EWBC, BSAC and CFG?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, East West Bancorp (EWBC) leads on 7. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.