Banco Santander-Chile (BSAC) Fair Value 2026

BSAC · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.8 /10

32 fundamental signals · 5 models active

Value Trap Risk

LOW (30/100)

Quick Summary — As of 2026-08-27, Banco Santander-Chile (BSAC) trades at $34.89, versus a $56.27 median fair value across its 5 active models — 61.3% above the current price. QOC: 6.8/10. Value Trap Risk: 30/100 (LOW). 5/13 models active.

Key Facts

Ticker
BSAC
Price
$34.89
Quality Score
6.8/10
Value Trap Risk
30/100
Models Active
5/13
Last Updated
Strength: Markov DDM suggests +102.3% upside with 46% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Banco Santander-Chile (BSAC) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Banco Santander-Chile (BSAC) appears undervalued as of : the median of 5 independent fair value estimates is $56.27, 61.3% above the current price of $34.89. Estimates range from $18.24 to $70.59. BSAC scores 6.8/10 on fundamental quality and 30/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. BSAC’s +61.3% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Banco Santander-Chile Stock in 2026? →

What Fair Value Does Each Model Give BSAC?

5 Intrinsic Value Models vs. Current Price ($34.89)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $56.27 +61.3%
Intrinsic · Medium Conviction
 $70.59 +102.3%
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What Is BSAC's Fair Value Range?

Spread across 5 independent models · $18.24 to $70.59

CirclFi's 5 active models place Banco Santander-Chile (BSAC) between $18.24 and $70.59 per share, a spread of 93% of the median. The median of that range — $56.27 — is the fair value CirclFi publishes for BSAC, against a current price of $34.89.

Low · FTNNHigh · Markov DDM
$18.24median $56.27$70.59
Where the range comes from
Most bearish modelFTNN Topology$18.24
Most bullish modelMarkov DDM$70.59
Model agreement4 bullish · 1 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on BSAC, not a CirclFi price target. How each model works →

What Is Banco Santander-Chile (BSAC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Banco Santander-Chile is potentially undervalued at its current price of $34.89. Based on our 13-model framework, Banco Santander-Chile's intrinsic value is estimated at a median fair value of $56.27 — representing +61.3% implied upside — with 4 out of 5 active models confirming this thesis. Model dispersion is worth noting: Markov DDM targets $70.59 (+102.3%), versus FTNN at $18.24 (-47.7%). This +150.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About BSAC?

5 of 13 models are currently active for BSAC. Of these, 4 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for BSAC is $56.27 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does BSAC Rank in Banks - Regional?

Among 349 Banks - Regional stocks, BSAC ranks #308 by Quality of Company score. CirclFi's QOC score of 6.8/10 evaluates 32 fundamental signals. A score of 6.8 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

As a lending environment, Banco Santander-Chile operates in a sector where non-performing loan ratio is a critical driver of valuation. Investors evaluating BSAC should weigh these sector-specific dynamics alongside our model-derived fair values.

Is BSAC a Value Trap?

CirclFi's Value Trap algorithm assigns BSAC a score of 30/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Banco Santander-Chile. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Banco Santander-Chile's fundamental quality profile registers 6.8/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +150.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BSAC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BSAC's 5 active models, average confidence is 30%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Banco Santander-Chile Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

MSBBMercer Bancorp, Inc.QOC 6.9CIZNCitizens Holding CompanyQOC 6.8HBNCHorizon Bancorp, Inc.QOC 6.9FDSBFifth District Bancorp, Inc.QOC 6.8MSBIMidland States Bancorp, Inc.QOC 6.9BLXBladex Inc.QOC 6.8FBIZFirst Business Financial Services, Inc.QOC 8.6PRKPark National CorporationQOC 8.2JMSBJohn Marshall Bancorp, Inc.QOC 7.8ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: MSBB · CIZN · HBNC · FDSB · MSBI · BLX · FBIZ · PRK · JMSB · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to BSAC?

7 companies across all industries closest to BSAC’s Quality of Company score of 6.8/10.

HURCHurco Companies, Inc.QOC 6.8FDMT4D Molecular Therapeutics, Inc.QOC 6.8WIMIWiMi Hologram Cloud Inc.QOC 6.8MNTNMNTN, Inc.QOC 6.8WTTRSelect Water Solutions, Inc.QOC 6.8BGBunge Global SAQOC 6.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: HURC · FDMT · WIMI · MNTN · WTTR · BG · NVDA

Where Does BSAC Sit in CirclFi's Banks - Regional Rankings?

BSAC is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Banco Santander-Chile’s Valuation?

What is Banco Santander-Chile's intrinsic value in 2026?

CirclFi puts Banco Santander-Chile (BSAC)'s intrinsic value at $56.27 — the median of 5 independent model estimates as of 2026-08-27, ranging from $18.24 to $70.59. The Quality of Company score is 6.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BSAC overvalued or undervalued right now?

At $34.89, 4 of 5 active models suggest BSAC may be undervalued, while 1 indicate potential overvaluation. The median of all 5 fair value estimates is $56.27, 61.3% above the current price of $34.89 — a consensus view that BSAC is undervalued. The assessment depends on which methodology best fits Banco Santander-Chile's business model in Banks - Regional.

What does a Quality of Company score of 6.8 mean for BSAC?

Banco Santander-Chile's QOC of 6.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on BSAC?

CirclFi analyzes BSAC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on BSAC?

Of the 5 models currently active on BSAC, Markov DDM is the most bullish at $70.59 per share, and FTNN Topology is the most bearish at $18.24. CirclFi's published fair value for BSAC is the median of that range, $56.27, not either extreme. The gap between the two ends equals 93% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is BSAC a value trap in 2026?

Banco Santander-Chile's Value Trap score is 30/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Banco Santander-Chile (BSAC) has a median fair value of $56.27 — 61.3% above the current price of $34.89 — as of 2026-08-27.” Source: circlfi.com/stock/BSAC/ · Methodology
Primary sources for this BSAC valuation
  • Financial statements: Banco Santander-Chile 10-K and 10-Q filings on SEC EDGAR (CIK 0001027552) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for BSAC as of ; valuations recomputed .

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