BCH Stock Analysis: Banco De Chile | NYSE
Banks - Regional | NYSE, USA | Market Cap: 20.224m USD | 12M Return: 46.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 13.5M
EPS Trend: -93.9%
Qual. Beats: 0
Rev. Trend: -97.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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 commercial bank headquartered in Santiago, Chile, operating through four business segments: Retail Banking, Wholesale Banking, Treasury, and Subsidiaries. Founded in 1893, it provides a comprehensive range of financial products and services, including deposit accounts, mortgage and consumer loans, credit and debit cards, insurance offerings, investment funds, cash management, foreign trade services, and digital banking solutions. The bank serves individuals, private entities, corporations, and small and medium-sized enterprises (SMEs).
As one of Chiles largest diversified banks, Banco de Chile operates a universal banking model that combines consumer-facing retail services with corporate, treasury, and investment banking activities under a single franchise. The Chilean banking sector is generally characterized by high concentration and strong regulatory oversight, and major incumbents like Banco de Chile typically benefit from established deposit bases, broad branch and digital networks, and cross-selling opportunities across consumer finance, insurance, and asset management.
- Chile central bank rate cuts compress net interest margin
- Loan growth in retail and SME segments drives interest income
- Fee income from insurance and mutual funds expands non-interest revenue
| Net Income: 1142b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -4.90 > 1.0 |
| NWC/Revenue: -665.2% < 20% (prev -589.6%; Δ -75.63% < -1%) |
| CFO/TA 0.01 > 3% & CFO 814b > Net Income 1142b |
| Net Debt (12121b) to EBITDA (1549b): 7.83 < 3 |
| Current Ratio: 0.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (505.1m) vs 12m ago 0.0% < -2% |
| Gross Margin: 85.40% > 18% (prev 47.48%; Δ 37.92% > 0.5%) |
| Asset Turnover: 5.66% > 50% (prev 6.94%; Δ -1.28% > 0%) |
| Interest Coverage Ratio: 1.46 > 6 (EBIT TTM 1464b / Interest Expense TTM 1004b) |
| A: -0.37 (Total Current Assets 1597b - Total Current Liabilities 22003b) / Total Assets 54543b |
| B: 0.05 (Retained Earnings 2503b / Total Assets 54543b) |
| C: 0.03 (EBIT TTM 1464b / Avg Total Assets 54157b) |
| D: 0.11 (Book Value of Equity 5379b / Total Liabilities 49164b) |
| Altman-Z'' = -2.01 = D |
| DSRI: 0.23 (Receivables 576b/2989b, Revenue 3068b/3732b) |
| GMI: 0.56 (GM 47.48% / 85.40%) |
| AQI: 1.16 (AQ_t 0.97 / AQ_t-1 0.83) |
| SGI: 0.82 (Revenue 3068b / 3732b) |
| TATA: 0.01 (NI 1142b - CFO 814b) / TA 54543b) |
| Beneish M = -4.09 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 40.52 with a total of 356,333 shares traded. Over the past week, the price has changed by +3.76%, over one month by +11.50%, over three months by +11.69% and over the past year by +46.06%.
Current recommended Stop Loss: 38.30 (which is 5.5% or 2 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 | 38.6 | -4.7% |
Market Cap CLP = 18779b (20.2b USD * 928.57 USD.CLP)
P/E Trailing = 16.6141
P/E Forward = 14.771
P/S = 6.2181
P/B = 3.3713
P/EG = 2.7876
Revenue TTM = 3068b CLP
EBIT TTM = 1464b CLP
EBITDA TTM = 1549b CLP
Long Term Debt = 13337b CLP (from longTermDebt, last quarter)
Short Term Debt = 3550b CLP (from shortTermDebt, last quarter)
Debt = 13719b CLP (from shortLongTermDebtTotal, last quarter) + Leases 68.8b
Net Debt = 12121b CLP (calculated: Debt 13719b - CCE 1597b)
Enterprise Value = 30900b CLP (18779b + Debt 13719b - CCE 1597b)
Interest Coverage Ratio = 1.46 (Ebit TTM 1464b / Interest Expense TTM 1004b)
EV/FCF = -18.05x (Enterprise Value 30900b / FCF TTM -1712b)
FCF Yield = -5.54% (FCF TTM -1712b / Enterprise Value 30900b)
FCF Margin = -55.80% (FCF TTM -1712b / Revenue TTM 3068b)
Net Margin = 37.22% (Net Income TTM 1142b / Revenue TTM 3068b)
Gross Margin = 85.40% ((Revenue TTM 3068b - Cost of Revenue TTM 448b) / Revenue TTM)
Gross Margin QoQ = 62.83% (prev none%)
Tobins Q-Ratio = 0.57 (Enterprise Value 30900b / Total Assets 54543b)
Interest Expense / Debt = 7.32% (Interest Expense 1004b / Debt 13719b)
Taxrate = 22.01% (322b / 1464b)
NOPAT = 1142b (EBIT 1464b * (1 - 22.01%))
Current Ratio = 0.07 (Total Current Assets 1597b / Total Current Liabilities 22003b)
Debt / Equity = 2.55 (Debt 13719b / totalStockholderEquity, last quarter 5379b)
Debt / EBITDA = 7.83 (Net Debt 12121b / EBITDA 1549b)
Debt / FCF = -7.08 (negative FCF - burning cash) (Net Debt 12121b / FCF TTM -1712b)
Total Stockholder Equity = 5607b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.11% (Net Income 1142b / Total Assets 54543b)
RoE = 20.37% (Net Income TTM 1142b / Total Stockholder Equity 5607b)
RoCE = 7.73% (EBIT 1464b / Capital Employed (Equity 5607b + L.T.Debt 13337b))
RoIC = 2.10% (NOPAT 1142b / Invested Capital 54390b)
WACC = 7.01% (E(18779b)/V(32498b) * Re(7.96%) + D(13719b)/V(32498b) * Rd(7.32%) * (1-Tc(0.22)))
Discount Rate = 7.96% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 32.66 | Cagr: 104.5%
[DCF] Fair Price = unknown (Cash Flow -1712b)
EPS Correlation: -93.90 | EPS CAGR: -6.49% | SUE: -0.20 | # QB: 0
Revenue Correlation: -97.49 | Revenue CAGR: -20.84% | SUE: 0.54 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.68 | Chg30d=+0.00% | Revisions=-17% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.72 | Chg30d=+0.00% | Revisions=-50% | Analysts=4
EPS current Year (2026-12-31): EPS=2.76 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+0.3% | GrowthRev=+6.1%
EPS next Year (2027-12-31): EPS=3.14 | Chg30d=+2.21% | Revisions=+0% | GrowthEPS=+13.8% | GrowthRev=+8.3%
[Analyst] Revisions Ratio: -24% (up=5, down=9)