(BCH) Banco De Chile - Overview

Exchange: NYSE • Country: Chile • Currency: USD • Type: Common Stock • ISIN: US0595201064

Stock: Loans, Cards, Deposits, Insurance, Brokerage

Total Rating 48

Risk 69

Buy Signal 0.42

Banks - Regional » Diversified Banks
Age: 24.1y

Market Cap: 22,557m
Avg Trading Vol: 20.5M USD

ATR: 2.77%
Peers RS (IBD): 71.43

EPS (Earnings per Share)

EPS CAGR: -4.44%
EPS Trend: -65.0%

Last SUE: -0.26
Qual. Beats: 0

Revenue

Rev. CAGR: -6.79%
Rev. Trend: -52.1%

Last SUE: -0.23
Qual. Beats: 0

Dividends

Dividend Yield	7.98%
Yield on Cost 5y	14.40%
Yield CAGR 5y	36.45%
Payout Consistency	86.8%
Payout Ratio	83.7%

Risk 5d forecast
Volatility	28.2%
Relative Tail Risk	1.50%

Reward TTM
Sharpe Ratio	2.43
Alpha	80.25

Character TTM
Beta	0.497
Beta Downside	0.361

Drawdowns 3y
Max DD	17.02%
CAGR/Max DD	2.26

Description: BCH Banco De Chile January 02, 2026

Banco de Chile (NYSE:BCH) is a full-service commercial bank operating in Chile through four business lines-Retail, Wholesale, Treasury, and Subsidiaries. The Retail arm delivers deposit products, credit cards, mortgages, consumer loans, and brokerage services via the Banco de Chile and Banco Edwards branches. Wholesale serves corporate clients with term loans, syndicated financing, investment-banking, and treasury solutions. The Treasury unit manages foreign-exchange, interest-rate, and bond-related activities, while the Subsidiaries segment offers brokerage, insurance, and payment-processing services.

Key recent metrics (2023-24):
• Return on equity (ROE) around 13 % and a CET1 capital ratio of ~13.5 %, indicating solid profitability and capital strength.
• Loan portfolio grew ~5 % YoY, driven by a rebound in consumer mortgage demand as Chile’s real-estate market recovered after the 2023-24 interest-rate cuts.
• Net interest margin (NIM) compressed to 2.1 % amid a flattening yield curve, but the bank offset this with higher fee-based income from wealth-management and insurance cross-selling.

Given Chile’s GDP growth forecast of 2-3 % in 2025 and the central bank’s gradual rate-cut cycle, BCH’s exposure to domestic credit cycles and its diversified revenue mix position it to benefit from improving macro conditions-though credit-risk monitoring remains essential as inflation pressures linger.

For a deeper, data-driven assessment of BCH’s valuation assumptions, you might explore the analytical tools on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income: 1192.26b TTM > 0 and > 6% of Revenue
FCF/TA: -0.01 > 0.02 and ΔFCF/TA 0.04 > 1.0
NWC/Revenue: -370.7% < 20% (prev 49.20%; Δ -419.9% < -1%)
CFO/TA 0.03 > 3% & CFO 1576.59b > Net Income 1192.26b
Net Debt (9092.20b) to EBITDA (1548.53b): 5.87 < 3
Current Ratio: 0.44 > 1.5 & < 3
Outstanding Shares: last quarter (505.1m) vs 12m ago 0.00% < -2%
Gross Margin: 58.86% > 18% (prev 0.69%; Δ 5817 % > 0.5%)
Asset Turnover: 6.23% > 50% (prev 7.37%; Δ -1.14% > 0%)
Interest Coverage Ratio: 1.18 > 6 (EBITDA TTM 1548.53b / Interest Expense TTM 1273.70b)

Altman Z'' -1.01

A: -0.23 (Total Current Assets 9743.94b - Total Current Liabilities 22003.49b) / Total Assets 54100.90b
B: 0.05 (Retained Earnings 2677.10b / Total Assets 54100.90b)
C: 0.03 (EBIT TTM 1497.85b / Avg Total Assets 53098.17b)
D: 0.12 (Book Value of Equity 5799.53b / Total Liabilities 48301.37b)
Altman-Z'' Score: -1.01 = CCC

What is the price of BCH shares?

As of February 08, 2026, the stock is trading at USD 44.44 with a total of 366,278 shares traded.
Over the past week, the price has changed by +1.86%, over one month by +11.10%, over three months by +23.55% and over the past year by +87.27%.

Is BCH a buy, sell or hold?

Banco De Chile has received a consensus analysts rating of 3.18. Therefor, it is recommend to hold BCH.

StrongBuy: 2
Buy: 0
Hold: 7
Sell: 2
StrongSell: 0

What are the forecasts/targets for the BCH price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	36.8	-17.1%
Analysts Target Price	36.8	-17.1%
ValueRay Target Price	66.5	49.5%

BCH Fundamental Data Overview February 07, 2026

P/E Trailing = 16.2993
P/E Forward = 15.5521
P/S = 6.4699
P/B = 3.353
P/EG = 5.186
Revenue TTM = 3306.95b USD
EBIT TTM = 1497.85b USD
EBITDA TTM = 1548.53b USD
Long Term Debt = 13955.26b USD (from longTermDebt, two quarters ago)
Short Term Debt = 3575.88b USD (from shortTermDebt, last quarter)
Debt = 14004.09b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 9092.20b USD (from netDebt column, last quarter)
Enterprise Value = 11021.24b USD (22.56b + Debt 14004.09b - CCE 3005.41b)
Interest Coverage Ratio = 1.18 (Ebit TTM 1497.85b / Interest Expense TTM 1273.70b)
EV/FCF = -25.24x (Enterprise Value 11021.24b / FCF TTM -436.73b)
FCF Yield = -3.96% (FCF TTM -436.73b / Enterprise Value 11021.24b)
FCF Margin = -13.21% (FCF TTM -436.73b / Revenue TTM 3306.95b)
Net Margin = 36.05% (Net Income TTM 1192.26b / Revenue TTM 3306.95b)
Gross Margin = 58.86% ((Revenue TTM 3306.95b - Cost of Revenue TTM 1360.46b) / Revenue TTM)
Gross Margin QoQ = 42.64% (prev 50.17%)
Tobins Q-Ratio = 0.20 (Enterprise Value 11021.24b / Total Assets 54100.90b)
Interest Expense / Debt = 3.85% (Interest Expense 539.14b / Debt 14004.09b)
Taxrate = 21.93% (74.58b / 340.12b)
NOPAT = 1169.40b (EBIT 1497.85b * (1 - 21.93%))
Current Ratio = 0.44 (Total Current Assets 9743.94b / Total Current Liabilities 22003.49b)
Debt / Equity = 2.41 (Debt 14004.09b / totalStockholderEquity, last quarter 5799.53b)
Debt / EBITDA = 5.87 (Net Debt 9092.20b / EBITDA 1548.53b)
Debt / FCF = -20.82 (negative FCF - burning cash) (Net Debt 9092.20b / FCF TTM -436.73b)
Total Stockholder Equity = 5610.96b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.25% (Net Income 1192.26b / Total Assets 54100.90b)
RoE = 21.25% (Net Income TTM 1192.26b / Total Stockholder Equity 5610.96b)
RoCE = 7.66% (EBIT 1497.85b / Capital Employed (Equity 5610.96b + L.T.Debt 13955.26b))
RoIC = 6.30% (NOPAT 1169.40b / Invested Capital 18574.55b)
WACC = 3.01% (E(22.56b)/V(14026.64b) * Re(7.75%) + D(14004.09b)/V(14026.64b) * Rd(3.85%) * (1-Tc(0.22)))
Discount Rate = 7.75% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 123.6%
Fair Price DCF = unknown (Cash Flow -436.73b)
EPS Correlation: -65.04 | EPS CAGR: -4.44% | SUE: -0.26 | # QB: 0
Revenue Correlation: -52.12 | Revenue CAGR: -6.79% | SUE: -0.23 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.64 | Chg30d=-0.027 | Revisions Net=-2 | Analysts=3
EPS current Year (2026-12-31): EPS=2.77 | Chg30d=+0.049 | Revisions Net=-1 | Growth EPS=+1.7% | Growth Revenue=+4.9%
EPS next Year (2027-12-31): EPS=2.99 | Chg30d=+0.108 | Revisions Net=-1 | Growth EPS=+7.9% | Growth Revenue=+7.6%

Additional Sources for BCH Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle