Banco de Chile, (BCH) Fair Value & Analysis
Financial Services · US · Market cap $20.3B
Banco de Chile,
BCH · US
Fair value as of: Jul 25, 2026
From 4 valuation models · updated 16 days ago
Fair value updated Jul 25, 2026, revised from $33.41 to $32.35 (−3.2%) since Jun 26, 2026. Share price +4.4% over the past month.
A solid business, but screening 22% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($40.44). The favourable scenario is already priced in.
- Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 25, 2026.
How to read this chart
60‑month range $10.69 – $43.70 · fair‑value band $24.27 – $40.44 · the $41.42 price screens above the $32.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 25, 2026.
Analysis
Banco de Chile, (BCH) currently trades at $41.42, while our model-based Fair Value estimate is $32.35, implying the stock looks roughly 21.9% overvalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Banco de Chile, generated revenue of $2.7T at a net margin of 43.7%. Revenue declined 7.9% year over year. It earns a return on equity of 20.9%. Net debt stands at $10.5T. Fundamentals as of Jul 25, 2026
Our scenario range runs from $24.27 (bear case) to $40.44 (bull case); at $41.42, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 6% below its 52-week high and 62% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 65% fair-value upside, at -22%, BCH screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit ($20,325) versus Asset-Based ($8,871). Highest evidence: P/E Multiple (63).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 25, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 78
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Banco de Chile, together with its subsidiaries, provides commercial banking services in Chile. It operates through four segments: Retail Banking, Wholesale Banking, Treasury, and Subsidiaries.
Full company description
Banco de Chile, together with its subsidiaries, provides commercial banking services in Chile. It operates through four segments: Retail Banking, Wholesale Banking, Treasury, and Subsidiaries. The company offers current account and digital student plans; digital and checking accounts; mortgage loans; credit and debit cards; consumer credit; applications; deposits and savings; financing; autoleasing; online payments; cell phone top-ups; foreign currency; and income accreditation. It also provides insurance products, including journey, health, protection, home, life, and automotive; and investments, such as mutual, investment, and APV funds, stocks, fixed income, and derivative products. In addition, the company offers cash management comprising mass and easy payments, collection, and fund transfers; foreign trade, which includes imports, exports, international network products, Banchile international transport insurance, and customs guarantee insurance; and other services, such as bank connection, financial portability, digital VAT and signature, financial advice, and SME program. It serves individuals, private entities, companies, and small and medium-sized enterprises. The company was founded in 1893 and is headquartered in Santiago, Chile.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Banco de Chile, reported revenue of $3.0T in FY2025 versus $3.0T in FY2021, a compound −0.0%/yr. Reported net income was $1.2T in FY2025, compounding +3.1%/yr from FY2021.
BCH screens 22% overvalued. Compare with PT Bank Central Asia Tbk →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Is the Options Market Predicting a Spike in Banco De Chile Stock?
- Banco De Chile (BCH) Surges 6.1%: Is This an Indication of Further Gains?
- Banco De Chile Q1 Earnings Call Highlights
Peer Group
Banks - Regional · 1083 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 25, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
| Woori Financial Group 316140 | 31,500 KRW | 55,811 KRW | +77% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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