BCH Stock Analysis: Banco De Chile | NYSE
Banks - Regional | NYSE, USA | Market Cap: 20.330m USD | 12M Return: 37.3% | US0595201064 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 11.5M
EPS Trend: -76.4%
Qual. Beats: 1
Rev. Trend: -93.6%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banco de Chile (NYSE: BCH) is a Santiago-headquartered commercial bank founded in 1893, operating as a universal bank through four segments: Retail Banking, Wholesale Banking, Treasury, and Subsidiaries. Listed on the NYSE since January 2002, it is classified as a Large Cap stock in the Diversified Banks sub-industry within the Financials sector.
The company serves individuals, private entities, corporates, and SMEs with a full suite of retail and wholesale products, including checking and savings accounts, mortgage and consumer loans, credit and debit cards, auto leasing, and deposits. It also distributes insurance (life, health, home, automotive, travel), investment products (mutual funds, APV, fixed income, stocks, derivatives), and cash management and foreign trade services for businesses. This four-segment structure covering retail, corporate, treasury, and non-banking subsidiaries is the standard model for Latin American universal banks, where cross-selling fee-based services (insurance, asset management, FX) alongside lending is a key differentiator.
As one of the diversified banks in Chile-an industry typically dominated by a handful of large incumbents-Banco de Chiles scale across personal, SME, and corporate banking, combined with its in-house brokerage and insurance distribution, positions it as a full-service franchise in one of Latin Americas most developed and concentrated banking markets.
- Chile central bank rate cuts compress net interest margin
- Loan growth accelerates across retail and commercial segments
- Fee income expands on digital banking and mutual fund growth
| Net Income: 1234b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.04 > 0.02 and ΔFCF/TA -7.07 > 1.0 |
| NWC/Revenue: -69.78% < 20% (prev -562.9%; Δ 493.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 513b > Net Income 1234b |
| Net Debt (12699b) to EBITDA (1652b): 7.69 < 3 |
| Current Ratio: 0.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (505.1m) vs 12m ago 0.0% < -2% |
| Gross Margin: 78.80% > 18% (prev 46.76%; Δ 32.04% > 0.5%) |
| Asset Turnover: 6.44% > 50% (prev 6.90%; Δ -0.46% > 0%) |
| Interest Coverage Ratio: 1.22 > 6 (EBIT TTM 1557b / Interest Expense TTM 1277b) |
| A: -0.04 (Total Current Assets 1348b - Total Current Liabilities 3786b) / Total Assets 55162b |
| B: 0.05 (Retained Earnings 2928b / Total Assets 55162b) |
| C: 0.03 (EBIT TTM 1557b / Avg Total Assets 54241b) |
| D: 0.12 (Book Value of Equity 5710b / Total Liabilities 49452b) |
| Altman-Z'' = 0.20 = B |
As of October 06, 2026, the stock is trading at USD 39.42 with a total of 604,108 shares traded. Over the past week, the price has changed by -4.90%, over one month by -6.96%, over three months by -1.55% and over the past year by +37.34%.
Current recommended Stop Loss: 36.70 (which is 6.9% or 2.7 ATR below the current price).
Banco De Chile has received a consensus analysts rating of 3.18. Therefore, it is recommended to hold BCH.
- StrongBuy: 2
- Buy: 0
- Hold: 7
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 39.9 | 1.1% |
Market Cap CLP = 19772b (20.3b USD * 972.58 USD.CLP)
P/E Trailing = 16.6322
P/E Forward = 15.1745
P/S = 6.6042
P/B = 3.5922
P/EG = 2.5288
Revenue TTM = 3494b CLP
EBIT TTM = 1557b CLP
EBITDA TTM = 1652b CLP
Long Term Debt = 10297b CLP (from longTermDebt, last fiscal year)
Short Term Debt = 3786b CLP (from shortTermDebt, last quarter)
Debt = 14047b CLP (from shortLongTermDebtTotal, last quarter) + Leases 68.8b
Net Debt = 12699b CLP (calculated: Debt 14047b - CCE 1348b)
Enterprise Value = 32472b CLP (19772b + Debt 14047b - CCE 1348b)
Interest Coverage Ratio = 1.22 (Ebit TTM 1557b / Interest Expense TTM 1277b)
EV/FCF = -16.20x (Enterprise Value 32472b / FCF TTM -2005b)
FCF Yield = -6.17% (FCF TTM -2005b / Enterprise Value 32472b)
FCF Margin = -57.38% (FCF TTM -2005b / Revenue TTM 3494b)
Net Margin = 35.31% (Net Income TTM 1234b / Revenue TTM 3494b)
Gross Margin = 78.80% ((Revenue TTM 3494b - Cost of Revenue TTM 741b) / Revenue TTM)
Gross Margin QoQ = 55.48% (prev 62.83%)
Tobins Q-Ratio = 0.59 (Enterprise Value 32472b / Total Assets 55162b)
Interest Expense / Debt = 9.09% (Interest Expense 1277b / Debt 14047b)
Taxrate = 20.66% (321b / 1555b)
NOPAT = 1236b (EBIT 1557b * (1 - 20.66%))
Current Ratio = 0.36 (Total Current Assets 1348b / Total Current Liabilities 3786b)
Debt / Equity = 2.46 (Debt 14047b / totalStockholderEquity, last quarter 5710b)
Debt / EBITDA = 7.69 (Net Debt 12699b / EBITDA 1652b)
Debt / FCF = -6.33 (negative FCF - burning cash) (Net Debt 12699b / FCF TTM -2005b)
Total Stockholder Equity = 5642b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.27% (Net Income 1234b / Total Assets 55162b)
RoE = 21.86% (Net Income TTM 1234b / Total Stockholder Equity 5642b)
RoCE = 9.77% (EBIT 1557b / Capital Employed (Equity 5642b + L.T.Debt 10297b))
RoIC = 2.25% (NOPAT 1236b / Invested Capital 54987b)
WACC = 7.49% (E(19772b)/V(33820b) * Re(7.69%) + D(14047b)/V(33820b) * Rd(9.09%) * (1-Tc(0.21)))
Discount Rate = 7.69% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -17.93 | Cagr: 0.0%
[DCF] Fair Price = unknown (Cash Flow -2005b)
EPS Correlation: -76.36 | EPS CAGR: -4.48% | SUE: 4.0 | # QB: 1
Revenue Correlation: -93.61 | Revenue CAGR: -18.61% | SUE: 1.07 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.71 | Chg30d=-3.41% | Revisions=-50% | Analysts=4
EPS current Year (2026-12-31): EPS=2.81 | Chg30d=+2.06% | Revisions=+17% | GrowthEPS=+2.4% | GrowthRev=+7.9%
EPS next Year (2027-12-31): EPS=3.14 | Chg30d=-0.14% | Revisions=-50% | GrowthEPS=+11.5% | GrowthRev=+6.4%
[Analyst] Revisions Ratio: -42% (up=2, down=7)