Zacks Investment Research·Jun 17, 2026
Is the Options Market Predicting a Spike in Banco De Chile Stock?Investors need to pay close attention to BCH stock based on the movements in the options market lately.
Banco de Chile(BCH)Earnings, Financials & Key Ratios
BCH•NYSE•Banking & Credit
$40.52
16.0× P/E·Price updated Jul 7, 2026
AboutBanco de Chile, together with its subsidiaries, provides banking and financial products and services to customers in Chile. It operates through Retail Banking, Wholesale Banking, and Treasury and Money Market segments. The company offers deposit products, such as checking accounts, current accounts, demand deposits and accounts, saving accounts, and time deposits; commercial, mortgage, consumer, working capital, syndicated, and installment loans; and credit cards. It also provides leasing, factoring, and foreign trade services; international and treasury banking services; and financial advisory services. In addition, the company offers liquidity management services, debt instruments, and derivative contracts and leases, as well as financial transaction and currency trading services; and securities brokerage, mutual funds management, wholesale customer, investment banking and management, and insurance brokerage services. As of December 31, 2021, it operated through a network of 272 branches and 1,761 ATMs. The company serves individuals, small and medium-sized companies, corporate clients, and large companies. Banco de Chile was founded in 1893 and is headquartered in Santiago, Chile.Show more
- Net Interest Income$1746.12B-19.3%
- Total Revenue$3026.04B-34.9%
- Net Income$1192.26B-4.5%
- Return on Equity18.07%-8.9%
- Net Interest Margin3.23%-22.3%
- Efficiency Ratio37.4%+57.2%
- ROA2.25%-3.0%
- Equity / Assets12.36%-1.1%
- Book Value per Share13238.13+2.8%
BCH Price & Volume
Banco de Chile (BCH) stock price & volume — 10-year historical chart
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Inflation Normalization Pressures Banco de Chile Margins
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Inflation-indexed asset volatility
Key Thesis Takeaways
- Banco de Chile demonstrates resilience through a disciplined 28.7% efficiency ratio, though the transition away from high-inflation environments continues to weigh on net interest margins.
- While the bank maintains a solid capital buffer with an equity-to-assets ratio of 0.10, investors should monitor the 50.4 trillion CLP investment securities portfolio for potential duration risk.
- Future performance remains contingent on the bank's ability to navigate domestic labor market softening while balancing its commitment to significant capital returns, evidenced by the 1.0 trillion CLP dividend payment in 2026Q1.
Verdict Logic
while the bank offers a 5.5% dividend yield, the 15.21 P/E ratio and stagnant 0.9% NIM suggest limited near-term upside until inflation-indexed asset returns stabilize.
BCH Growth Metrics
Banco de Chile (BCH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years2.61%
5 Years4%
3 Years-17.1%
TTM-
Profit CAGR
10 Years6.93%
5 Years24.31%
3 Years-6.22%
TTM-10.77%
EPS CAGR
10 Years7%
5 Years24.28%
3 Years-6.23%
TTM-7.83%
Return on Capital
10 Years5.61%
5 Years6.49%
3 Years6.5%
Last Year6.51%
BCH Recent Earnings
Banco de Chile (BCH) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.60+3.4%
$0.58
Rev
$825M-0.8%
$832M
Q1 2026
Feb 3, 2026Metric
Actual
Est
EPS
$0.58-3.3%
$0.60
Rev
$833M-2.7%
$856M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.60-3.2%
$0.62
Rev
$681M-19.0%
$842M
Q3 2025
Jul 31, 2025Metric
Actual
Est
EPS
$0.64+1.6%
$0.63
Rev
$1.1B+35.0%
$802M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.60vs $0.58+3.4% | $825Mvs $832M-0.8% |
| Q1 2026 | Feb 3, 2026 | $0.58vs $0.60-3.3% | $833Mvs $856M-2.7% |
| Q4 2025 | Oct 30, 2025 | $0.60vs $0.62-3.2% | $681Mvs $842M-19.0% |
| Q3 2025 | Jul 31, 2025 | $0.64vs $0.63+1.6% | $1.1Bvs $802M+35.0% |
Based on last 12 quarters of dataView full earnings history →
Latest BCH News
Recent stock market news and headlines for Banco de Chile (BCH)
Peers Comparison
Key metrics vs top competitors for Banco de Chile (BCH)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $40.52 | $20.47B | 15.99 | -34.9% | 39.4% | 18.07% | 5.22% | |
| $33.70 | $15.88B | 14.03 | -4.96% | 21.11% | 20.38% | — | |
| $3.40 | $35.96B | 7.97 | 37.11% | 6.32% | 12.84% | — | |
| $8.23 | $90.71B | 10.76 | 18.03% | 11.91% | 20.77% | — | |
| $20.08 | $4.1B | 19.35 | 8.34% | 4.88% | 8.96% | — | |
| $91.65 | $5.86B | 25.80 | -10.04% | 7.8% | 0.03% | — |
Compare BCH vs Peers
Banco de Chile (BCH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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BCH Frequently Asked Questions
Banco de Chile (BCH) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Banco de Chile growing?
Banco de Chile (BCH) saw revenue decline by 34.9% over the past year.
Is BCH profitable?
Yes, Banco de Chile (BCH) is profitable, generating $1.14T in net income for fiscal year 2025 (39.4% net margin).
Dividend & Returns
Does BCH pay dividends?
Yes, Banco de Chile (BCH) pays a dividend with a yield of 5.22%. This makes it attractive for income-focused investors.
What is BCH's return on equity?
Banco de Chile (BCH) has a return on equity (ROE) of 18.1%. This is reasonable for most industries.
Industry Metrics
What is Banco de Chile's net interest margin?
Banco de Chile (BCH) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is Banco de Chile's efficiency ratio?
Banco de Chile (BCH) has an efficiency ratio of 37.4%. This is excellent, indicating strong cost control.