BCH
BEARISH
$43.2
Live
Banco de Chile · NYSE
Target $36.38
(-15.8%)
$23.66
52W Range
$43.23
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$21.82B
P/E
15.0
ROE
20.9%
Profit margin
45.1%
Debt/Equity
N/A
Dividend yield
4.84%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
The Advanced Deterministic Scorecard reveals a critically weak financial health with a Piotroski F-Score of 0/9, indicating severe deterioration in fundamental performance. Despite a Price/Book of 0.77 and a Graham Number of $60.37 suggesting potential undervaluation, the stock trades below its defensive fair value but faces substantial headwinds from declining profitability, negative earnings growth, and poor analyst sentiment. Revenue and earnings are contracting YoY (-6.20%, -10.90%), while the technical trend is deeply bearish at 10/100. The lack of Altman Z-Score prevents definitive bankruptcy risk assessment, but the absence of key financial health data (Debt/Equity, Cash/Debt) amplifies uncertainty.
Key Strengths
High dividend yield of 4.84% provides income appeal relative to peers
Price/Book ratio of 0.77 indicates the stock trades below book value
ROE of 20.88% is strong and above peer average despite sector-wide negative ROE
Profit margin of 45.09% is exceptionally high, reflecting pricing power or cost control
52-week performance shows strong momentum with +92.4% return
Key Risks
Piotroski F-Score of 0/9 signals critical financial distress and deteriorating fundamentals
Negative YoY revenue and earnings growth (-6.20%, -10.90%) indicate operational decline
Operating and gross margins reported as 0.00% are implausible for a bank and suggest data integrity issues or severe margin compression
Technical trend score of 10/100 reflects strong bearish momentum near 52-week high
Analyst target price of $36.38 implies ~16% downside from current price of $43.20
AI Fair Value Estimate
Based on comprehensive analysis
$60.37
+39.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
39
Weak
65
20
45
10
55
AI Verdict
High risk, low quality, overvalued relative to fundamentals
Key drivers: Piotroski F-Score of 0/9, Negative earnings and revenue growth, Bearish technical trend, Analyst target below current price
Confidence
88%
Value
65/100
Ref P/E, PEG, Graham Number
Positives
- Graham Number of $60.37 implies significant margin of safety
- P/B of 0.77 suggests asset-based undervaluation
Watchpoints
- Current price of $43.20 trades above analyst target of $36.38
- P/E of 15.00 is not low given negative growth
Future
20/100
Ref Growth rates
Positives
- Year-over-year EPS growth of +3.3% shows minor recent improvement
Watchpoints
- Revenue growth YoY: -6.20%
- Earnings growth YoY: -10.90%
- Q/Q earnings growth: -10.90%
- Forward P/E of 14.72 still high for declining earnings
Past
45/100
Ref Historical trends
Positives
- 5-year price return of +195.7% shows strong historical performance
- Recent quarters show sporadic earnings beats (e.g., +16.6%, +65.5%)
Watchpoints
- Last 4 quarters: only 1 beat, average surprise of 2.81% declining
- Earnings volatility with multiple large negative surprises (e.g., -36.0%)
Health
10/100
Ref Altman Z-Score, Piotroski F-Score
Positives
No standout positives identified.
Watchpoints
- Piotroski F-Score of 0/9 indicates severe financial weakness
- Operating and gross margins at 0.00% are red flags
- Missing Altman Z-Score, Debt/Equity, and liquidity ratios
Dividend
55/100
Ref Yield, Payout
Positives
- Dividend yield of 4.84% is attractive in current rate environment
- Dividend strength score of 55/100 indicates moderate reliability
Watchpoints
- Payout ratio of 78.87% is high and may not be sustainable with declining earnings
- No 5-year average yield to assess consistency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$43.2
Analyst Target
$36.38
Upside/Downside
-15.8%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BCH and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BCH
Banco de Chile
Primary
|
+195.7% | +165.5% | +92.4% | +56.3% | +13.2% | +7.7% |
|
FUTU
Futu Holdings Limited
Peer
|
+7.0% | +230.8% | +93.6% | -10.8% | +1.1% | +10.8% |
|
TROW
T. Rowe Price Group, Inc.
Peer
|
-31.2% | +1.2% | +23.8% | -3.3% | +13.8% | +4.0% |
|
PFG
Principal Financial Group, Inc.
Peer
|
+77.8% | +35.9% | +36.3% | +22.1% | +7.1% | +1.8% |
|
CRCL
Circle Internet Group
Peer
|
+19.7% | +19.7% | +19.7% | -29.8% | -4.0% | -5.9% |
BCH
Banco de Chile
Primary
5Y
+195.7%
3Y
+165.5%
1Y
+92.4%
6M
+56.3%
1M
+13.2%
1W
+7.7%
FUT
Futu Holdings Limited
Peer
5Y
+7.0%
3Y
+230.8%
1Y
+93.6%
6M
-10.8%
1M
+1.1%
1W
+10.8%
TRO
T. Rowe Price Group, Inc.
Peer
5Y
-31.2%
3Y
+1.2%
1Y
+23.8%
6M
-3.3%
1M
+13.8%
1W
+4.0%
PFG
Principal Financial Group, Inc.
Peer
5Y
+77.8%
3Y
+35.9%
1Y
+36.3%
6M
+22.1%
1M
+7.1%
1W
+1.8%
CRC
Circle Internet Group
Peer
5Y
+19.7%
3Y
+19.7%
1Y
+19.7%
6M
-29.8%
1M
-4.0%
1W
-5.9%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
15.0
Forward P/E
14.72
PEG Ratio
N/A
P/B Ratio
0.77
P/S Ratio
N/A
EV/Revenue
N/A
EV/EBITDA
N/A
Market Cap
$21.82B
Profitability
Profit margins and return metrics
Profit Margin
45.09%
Operating Margin
N/A
Gross Margin
N/A
ROE
20.88%
ROA
2.25%
Growth
Revenue and earnings growth rates
Revenue Growth
-6.2%
Earnings Growth
-10.9%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-10.9%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$N/A
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-03
$N/A
2025-10-30
$0.62
-3.4% surprise
2025-07-31
$0.62
-4.8% surprise
2025-04-29
$0.69
+16.6% surprise
Financial Services Sector Comparison
Comparing BCH against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
15.0
This Stock
vs
36.01
Sector Avg
-58.3%
(Discount)
Return on Equity (ROE)
20.88%
This Stock
vs
-0.73%
Sector Avg
-2949.0%
(Below Avg)
Profit Margin
45.09%
This Stock
vs
91.62%
Sector Avg
-50.8%
(Weaker)
Revenue Growth
-6.2%
This Stock
vs
35.27%
Sector Avg
-117.6%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BCH
Banco de Chile
|
BEARISH | $21.82B | 15.0 | 20.9% | 45.1% | $43.2 | |
|
FUTU
Futu Holdings Limited
|
BULLISH | $21.62B | 15.36 | 33.1% | 53.8% | $155.27 | Compare |
|
TROW
T. Rowe Price Group, Inc.
|
NEUTRAL | $21.39B | 10.62 | 18.8% | 28.5% | $98.1 | Compare |
|
PFG
Principal Financial Group, Inc.
|
NEUTRAL | $20.38B | 17.9 | 10.5% | 7.6% | $93.98 | Compare |
|
CRCL
Circle Internet Group
|
BEARISH | $24.64B | - | -2.8% | -2.5% | $99.66 | Compare |
BCH
Banco de Chile
BEARISH
Mkt Cap
$21.8B
P/E
15.0
ROE
20.9%
Price
$43.2
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
13 analysts
JP Morgan
2026-01-16
Neutral
Neutral
Goldman Sachs
2025-11-11
Neutral
Neutral
JP Morgan
2025-10-16
Neutral
Neutral
Past News Coverage
Recent headlines mentioning BCH from our newsroom.
Newest → oldest
No matching news yet.