Banco De Chile ADS (BCH)

FairStock Score: 70/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach banks differently from industrial companies: the balance sheet is the business, and credit quality and capital matter more than cash flow. Banco de Chile is a large Chilean retail and wholesale lender with 11,221 employees. In fiscal Q1 2026, it reported $746.0B of revenue and $268.6B of net income, a 36.01% margin, which shows real earning power. FairStock's calculations at the 2026-10-13 close show a P/E of 15.04, a P/B of 0.70 and an ROE of 21.58%. A bank earning above 20% on equity while trading below book value is the kind of mismatch Graham would notice. The 5.60% dividend yield and 0.06 beta add to the appeal. But I see cracks: the provided growth figures are negative, and the Piotroski F-score is only 4/9. The data do not give me CET1, net interest margin, non-performing loans or loan-loss coverage, so I cannot underwrite the credit cycle. No Lynch category is assigned because only 0 years of filed results are available. At $39.10, the price looks modestly cheap versus book and earnings, but a bank is only cheap if its loan book and capital are sound. I would need the missing bank-specific numbers before calling it a durable bargain.

In plain English: Banco de Chile is a large Chilean bank that takes deposits and makes loans to people and businesses. Its latest reported quarter showed strong profit, but revenue and profit have recently been falling. The stock price looks inexpensive compared with the bank's book value, though loan quality and Chile's economy remain important risks.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer