NAS10029,644+0.67%S&P7,651+0.17%GOLD$4,416+0.37%BTC$81,118+6.17%VIX14.81−4.08%live tape · as of 19:03 UTC
The Screen · Financials · Banks - Regional
Banco Santander Chile SA ADR
BSAC · the NYSE · USD · Market cap $16.6B · 8,526 employees
Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile.
FAIL · Does not pass the screen
35.29 USD
At the last full screen 2026-09-09
Screened 2026-09-09 · the tape above runs as of 19:03 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markdown label.
Banco Santander Chile SA ADR holds its Markdown at $35.29. Consolidating, no directional conviction, held for 4 days.
As held on the ledger · 2026-09-09
Phase
Markdown · caution
Quantitative state
Consolidating, no directional conviction, held for 4 days
Price at the screen
$35.29
Valuation
13.79 trailing · 11.62 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.23
The Workings
Five Screens, Shown in Full
Does not pass. Excluded industry: Banks - Regional
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Excluded industry: Banks - Regional
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-09-09 screen. The gold marker is the market price at the same screen. A 19.8% margin of safety to the base estimate.
Third-party analyst targets: 11 covering, consensus Hold. The average target sits +11% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-09 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Chile Bank Numbers Tempt But Ethics Block
Picture a family in Santiago paying the mortgage or a copper miner settling payroll. The cash moves through Banco Santander Chile, a narrow-moat regional lender posting 19 percent revenue growth, 47 percent profit margins and 24 percent ROE. On paper the shares at 10.5 times forward earnings look reasonable against a $40 fair value. We still pass.
The ethical screen rules it out because regional banks sit on our excluded list. No amount of margin of safety or analyst consensus at $37 changes that verdict. Strong returns and a hold rating from eleven analysts cannot override the filter.
Cyclical earnings in Chile add further caution. A low multiple on peak profits can trap capital rather than unlock it. Analysis, not advice.
The risks · The things to watch: its business and earnings are exposed to Chile and to currency swings.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
BSAC trades on the NYSE (the company is based in Chile). As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The framework has shifted from markup to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 7.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 4% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 35%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (10 analysts) rates it hold, with a mean price target of $33.
2026-07-23Markup$32.83+1.0%Entry 4
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 1.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 4% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 35%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (10 analysts) rates it hold, with a mean price target of $33.
2026-07-18Markup$32.51+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 4% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 35%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (10 analysts) rates it hold, with a mean price target of $33.
2026-07-03Markup$32.51+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Markup$32.51Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
