FCNCA vs BSAC vs EWBC Stock Comparison

First Citizens Bancshares, Banco Santander Chile and East West Bancorp Prices as of Nov 4, 2026 Peers: Industry group
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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
4 wins
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

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 4, First Citizens Bancshares 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionFCNCABSACEWBCLeader
Larger companyMarket capitalisation $24.22B $415.59B $18.37B BSAC
Cheaper on earningsLower P/E, profitable companies only 11.9x 0.0x 12.7x BSAC
Cheaper on forward earningsLower price / next fiscal year consensus EPS 11.8x 11.6x 11.7x BSAC
Faster revenue growthRevenue growth, trailing twelve months +0.9% — +13.7% EWBC
More profitableNet margin, trailing twelve months 23.6% — 46.6% EWBC
Better return on capitalReturn on invested capital 10.8% — 22.4% EWBC
Less leveragedLower net debt / EBITDA 3.7x 0.0x -0.6x EWBC
Higher dividend yieldTrailing dividend yield 0.36% 4.47% 2.39% BSAC
Better 1-year returnPrice return, last 12 months +29.1% +16.6% +34.1% EWBC
Better 5-year returnAnnualised price return, 5 years +22.3%/yr +12.1%/yr +10.0%/yr FCNCA
Less volatileAnnualised volatility, 1 year 27.1% 29.4% 22.8% EWBC
Higher overall scoreMean of the five percentile scores vs peers 35/100 33/100 66/100 EWBC

Percentile Scorecard

FCNCABSACEWBC

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

AxisFCNCABSACEWBC
Valuation 40 #218 of 360 10 #323 of 360 41 #213 of 360
Growth 10 #309 of 344 18 #281 of 344 53 #161 of 344
Profitability 38 #215 of 345 – 96 #14 of 345
Financial Health 5 #321 of 339 9 #308 of 339 66 #117 of 339
Shareholder Returns 82 #63 of 352 94 #23 of 352 73 #96 of 352
Overall 35 33 66
  • FCNCA ranked among 368 companies in Banking
  • BSAC ranked among 368 companies in Banking
  • EWBC ranked among 368 companies in Banking

Price Performance

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

Returns

PeriodFCNCABSACEWBCSPY
1 month +11.5%+1.2%+5.7% -1.0%
3 months +4.7%-6.2%+0.6% -0.4%
6 months +17.1%+4.9%+7.1% +4.5%
Year to date +8.7%+6.3%+19.3% +12.4%
1 year +29.1%+16.6%+34.1% +13.6%
3 years +62.5%+78.8%+126.8% +76.4%
3 years, per year +17.6%+21.4%+31.4% +20.8%
5 years +174.0%+77.0%+61.0% +63.7%
5 years, per year +22.3%+12.1%+10.0% +10.4%
10 years +721.2%+47.0%+246.9% +267.7%
10 years, per year +23.4%+3.9%+13.2% +13.9%

Risk

MeasureFCNCABSACEWBCSPY
Volatility, 1Y 27.1%29.4%22.8% 12.8%
Downside volatility, 1Y 27.6%30.8%22.8% 12.7%
Beta vs S&P 500, 1Y 0.431.130.74 1.00
Return / volatility, 1Y 1.070.561.50 1.06
Max drawdown, 5Y -43.8%-40.5%-55.5% -25.4%
From 52-week high -2.1%-11.7%-1.9% -1.6%
52-week high $2,382.50$37.46$136.60 $779.14
52-week low $1,766.01$28.38$99.52 $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.

MultipleFCNCABSACEWBC
P/E now vs peer median 11.9xmedian 12.7x 0.0xmedian 12.7x 12.7xmedian 12.7x
P/S now vs peer median 2.5xmedian 3.5x 78.5xmedian 3.5x 5.9xmedian 3.5x
EV/EBITDA now vs peer median 6.6xmedian 4.9x 0.3xmedian 4.9x 4.4xmedian 4.9x
P/FCF now vs peer median 15.1xmedian 11.0x -13,482xmedian 11.0x 9.9xmedian 11.0x
P/B now vs peer median 1.1xmedian 1.3x 66.6xmedian 1.3x 2.0xmedian 1.3x
PEG now vs peer median -0.33median 1.33 0.00median 1.33 2.35median 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 monthsFCNCABSACEWBC
Revenue $9.62B – $3.10B
Operating income – $278.26B –
Net income $2.35B -$1.70T $1.45B
Free cash flow $1.61B – $1.86B
EPS (diluted) $196.61 $1,126.89 $10.46
Cash & equivalents – $2.20B $5.09B
Total debt $32.19B $47.85B $3.04B
Shares (diluted) 11.54M 471.12M 138.30M
Enterprise value $23.69B -$7.10T -$42.32M

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
MetricFCNCABSACEWBC
P/E 11.9x 0.0x 12.7x
P/FCF 15.1x -13,482x 9.9x
P/Operating cash flow 7.6x – 9.3x
P/S 2.5x 78.5x 5.9x
P/B 1.1x 66.6x 2.0x
P/Tangible book 1.1x -4.9x 2.0x
EV/EBITDA 6.6x 0.3x 4.4x
EV/EBIT 7.0x 1.6x 4.7x
EV/Revenue 5.9x – 5.3x
EV/FCF 35.0x – 8.8x
EV/Operating cash flow 17.7x – 8.3x
PEG (3Y EPS CAGR) -0.33 0.00 2.35

Growth

14 metrics
MetricFCNCABSACEWBC
Revenue growth (1Y) 0.9% – 13.7%
Revenue CAGR (3Y) -15.9% – 6.0%
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) – -85.8% –
Operating income CAGR (3Y) – 44.6% –
Net income growth (1Y) -1.8% -229.4% 21.2%
Net income CAGR (3Y) -39.8% -114.2% 4.5%
EPS growth (1Y) 11.3% -18.5% 21.7%
EPS CAGR (3Y) -35.6% 48.4% 5.4%
Operating cash flow growth (1Y) 3.7% – 36.9%
Operating cash flow CAGR (3Y) 14.6% – 6.9%
Free cash flow growth (1Y) 4.3% – 29.5%
Free cash flow CAGR (3Y) 23.6% – 4.8%

Profitability

14 metrics
MetricFCNCABSACEWBC
Gross margin – – –
EBITDA margin 88.9% – 119.8%
Operating margin – – –
Pretax margin 32.8% – 59.9%
Net margin 23.6% – 46.6%
FCF margin 16.7% – 60.1%
Operating cash flow margin 33.1% – 63.7%
Return on equity 10.7% – 15.9%
Return on assets 1.0% 2,022% 1.7%
Return on invested capital 10.8% – 22.4%
Return on capital employed – – –
Asset turnover 0.0x – 0.0x
Cash conversion (OCF / net income) 1.4x – 1.4x
Stock comp / revenue – – 2.8%

Financial Health

11 metrics
MetricFCNCABSACEWBC
Debt / assets 13.6% 63.2% 3.6%
Debt / equity 1.5x 7.7x 0.3x
Net debt / EBITDA 3.7x 0.0x -0.6x
Debt / FCF 20.0x – 1.6x
Liabilities / assets 90.8% 91.8% 89.1%
Equity / assets 9.2% 8.2% 10.9%
Interest coverage 1.7x – 2.1x
Current ratio – – –
Quick ratio – 0.1x –
Cash ratio – 0.1x –
Altman Z-score – – –

Shareholder Returns

7 metrics
MetricFCNCABSACEWBC
Dividend yield 0.4% 4.5% 2.4%
Net buyback yield 12.0% – 0.7%
Shareholder yield 12.4% 4.5% 3.1%
Payout ratio (earnings) – – 26.9%
Payout ratio (FCF) – – 20.9%
Dividend growth (1Y) – – 21.1%
Dividend CAGR (3Y) – – 15.6%

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.

ConsensusFCNCABSACEWBC
Forward P/E 11.8xFY2026 11.6xFY2026 11.7xFY2026
EPS, next fiscal year $197.00FY2026 $2.84FY2026 $11.43FY2026
EPS growth, next FY +10.7%FY2026 +9.7%FY2026 +20.1%FY2026
EPS growth, the year after +0.2% +2.5% -2.4%
Revenue, next fiscal year $8.53BFY2026 $3.07BFY2026 $3.02BFY2026
Revenue growth, next FY -5.5%FY2026 -7.8%FY2026 +2.8%FY2026
Revenue growth, the year after +7.4% +19.1% +22.9%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersFCNCABSACEWBC
Held by institutions 63.7% 0.2% 92.0%
Institutions holding 630 157 650
Change in shares held, QoQ -5.2% +1.7% +1.4%
Institutions buying 261 82 352
Institutions selling 227 51 200
Buyers to sellers 1.15 1.61 1.76

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.

FCNCABSACEWBC
FCNCA 1.00 0.10 0.62
BSAC 0.10 1.00 0.25
EWBC 0.62 0.25 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, FCNCA, BSAC and EWBC?

Banco Santander Chile (BSAC) is the largest by market capitalisation: First Citizens Bancshares (FCNCA) $24.22B, Banco Santander Chile (BSAC) $415.59B, East West Bancorp (EWBC) $18.37B.

Which stock is cheaper, FCNCA, BSAC and EWBC?

Banco Santander Chile (BSAC) trades on the lowest price-to-earnings ratio (First Citizens Bancshares (FCNCA) 11.9x, Banco Santander Chile (BSAC) 0.0x, East West Bancorp (EWBC) 12.7x). On next year's consensus earnings, Banco Santander Chile (BSAC) is cheapest (First Citizens Bancshares (FCNCA) 11.8x, Banco Santander Chile (BSAC) 11.6x, East West Bancorp (EWBC) 11.7x). 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: First Citizens Bancshares (FCNCA) +0.9%, East West Bancorp (EWBC) +13.7%.

Which company is more profitable?

East West Bancorp (EWBC) has the highest net margin (First Citizens Bancshares (FCNCA) 23.6%, East West Bancorp (EWBC) 46.6%). On return on invested capital, East West Bancorp (EWBC) leads (First Citizens Bancshares (FCNCA) 10.8%, East West Bancorp (EWBC) 22.4%).

Which stock has performed better?

Over the past year East West Bancorp (EWBC) returned the most: First Citizens Bancshares (FCNCA) +29.1%, Banco Santander Chile (BSAC) +16.6%, East West Bancorp (EWBC) +34.1%. Over five years, First Citizens Bancshares (FCNCA) compounded fastest (First Citizens Bancshares (FCNCA) +22.3%/yr, Banco Santander Chile (BSAC) +12.1%/yr, East West Bancorp (EWBC) +10.0%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Banco Santander Chile (BSAC) has the highest dividend yield: First Citizens Bancshares (FCNCA) 0.36%, Banco Santander Chile (BSAC) 4.47%, East West Bancorp (EWBC) 2.39%.

Which stock is riskier?

By one-year price volatility, East West Bancorp (EWBC) has been the steadiest (First Citizens Bancshares (FCNCA) 27.1%, Banco Santander Chile (BSAC) 29.4%, East West Bancorp (EWBC) 22.8%). Volatility measures how widely the price swings, not the risk of the business.

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

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.