BANK OF AMERICA CORP /DE/ vs Banco Santander, S.A., two Banks—Regional stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
36.6 is the striking figure: Santander's net margin, nine points above Bank of America's 27.6%, from a bank the market prices a turn cheaper, 13.6 times earnings against 14.3. The returns keep the surprise going, 13.8% on equity against 10.6%, Iberian-and-Latin retail banking out-earning the American giant per unit of everything. The discount is geography and history, European banking's lost decades still taxing its multiples. BofA pays the displayed 1.9% dividend. Returns on assets favor BofA slightly, 0.91% against 0.83%, the one line scale wins. A stronger current income statement at a cheaper price, separated from the safer jurisdiction by an ocean and a memory.
Comparison updated 2026-07-10.
| Metric | BAC | SAN |
|---|---|---|
| Price | $57.81 | $13.40 |
| Market cap | $428.8B | $199.5B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| P/E | 14.3 | 13.6 |
| P/B | 1.43 | 1.63 |
| P/S | 3.72 | 4.33 |
| EV/EBITDA | 1247.5 | 9.8 |
| Revenue growth | +6.4% | +6.3% |
| Gross margin | — | 138.5% |
| Net margin | 27.6% | 36.6% |
| Return on equity | 10.6% | 13.8% |
| Return on assets | 0.9% | 0.8% |
| Dividend yield | 1.9% | — |
| Debt / equity | 1.08 | 0.00 |
| Piotroski F (quality) | 6 / 9 | 5 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.