BCH
Financial ServicesBanco de Chile · Banks - Regional · $19B
What is Banco de Chile?
Banco de Chile is one of Chile's oldest and largest financial institutions, serving individuals, small businesses, and large corporations across the country through an extensive branch and ATM network.
The bank generates revenue across retail banking, wholesale banking, and treasury operations. It offers deposit accounts, consumer and mortgage loans, credit cards, leasing, factoring, and foreign trade services. It also provides investment banking, securities brokerage, mutual fund management, and insurance brokerage through its subsidiaries.
Founded in 1893, Banco de Chile is headquartered in Santiago, Chile.
- Retail and commercial lending
- Credit cards and deposit accounts
- Treasury and foreign trade services
- Investment banking and mutual fund management
Is BCH a Good Stock to Buy?
UQS Score rates BCH as Good overall.
The Quality pillar stands out as the strongest element of BCH's profile, suggesting the bank maintains sound fundamentals relative to peers. Valuation is rated Attractive, meaning the stock does not appear expensive on a fundamental basis.
The Moat, Growth, and Risk pillars are all rated Weak, pointing to limited competitive differentiation, subdued growth prospects, and elevated risk factors worth monitoring.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does BCH pay dividends?
Yes — Banco de Chile pays a dividend.
Banco de Chile pays a regular dividend, consistent with the income-oriented tradition of large Latin American banks. This reflects the bank's capacity to return capital to shareholders while operating in a regulated financial environment. Income-focused investors may find BCH's dividend policy worth examining alongside its Attractive valuation rating.
When does BCH report earnings?
Banco de Chile reports earnings on a quarterly cadence, typical for exchange-listed financial institutions.
The bank's Quality pillar rating suggests underlying financial discipline, though the Weak Growth pillar indicates that recent top-line expansion has been limited. Risk factors tied to the Chilean macroeconomic environment remain a consideration for investors reviewing results.
For the most recent quarter's results, visit Banco de Chile's official investor relations page.
BCH Price History
+181.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Banco de Chile?
Based on Banco de Chile's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Banco de Chile do?
Banco de Chile provides a broad range of banking and financial services in Chile, including personal and commercial loans, deposit accounts, credit cards, leasing, factoring, treasury services, and investment banking. It serves individuals, small businesses, and large corporations through hundreds of branches and ATMs.
Does BCH pay dividends?
Yes, Banco de Chile pays a regular dividend. This is consistent with the bank's long operating history and its approach to returning capital to shareholders. Investors should check the company's investor relations page for current dividend details and payment schedules.
When does BCH report earnings?
Banco de Chile reports on a quarterly cadence. For exact upcoming dates, refer to the company's investor relations page, as our data source does not cover specific earnings calendar dates.
Is BCH a good stock to buy?
UQS Score rates BCH as Good overall. The Quality and Valuation pillars are relative strengths, while Moat, Growth, and Risk are rated Weak. Whether BCH fits your portfolio depends on your risk tolerance and investment goals. The full pillar breakdown is available to Pro members.
Is BCH overvalued?
The UQS Valuation pillar for BCH is rated Attractive, suggesting the stock does not appear expensive on a fundamental basis relative to its profile. This does not constitute a buy recommendation — see the full analysis for context.
What is BCH's market cap bracket?
Banco de Chile is classified as a large-cap stock, reflecting its scale as one of Chile's most established banking institutions.
Who founded Banco de Chile?
Banco de Chile was founded in 1893, making it one of the oldest financial institutions in Latin America. Detailed founding history is publicly available through the company's official communications and investor relations materials.
Is BCH a long-term quality indicator?
From a quality standpoint, BCH's Strong Quality pillar suggests sound financial fundamentals. However, the Weak Moat and Weak Growth ratings indicate limited long-term competitive advantages and growth momentum. Long-term investors should weigh these factors carefully using the full UQS analysis.
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Pro Analysis
BCH — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 47.6 | 87.2 | 32.0 | 28.1 | 0.1 | 80.9 | +0.1 |
| May 21, 2026 | 47.5 | 87.2 | 32.0 | 28.1 | 0.1 | 80.5 | -0.2 |
| May 20, 2026 | 47.7 | 87.2 | 32.0 | 28.1 | 0.1 | 81.5 | -0.5 |
| May 19, 2026 | 48.2 | 87.2 | 32.0 | 30.9 | 0.1 | 81.2 | +0.1 |
| May 17, 2026 | 48.1 | 87.2 | 32.0 | 30.9 | 0.1 | 80.9 | -0.2 |
| May 16, 2026 | 48.3 | 87.2 | 32.0 | 30.9 | 0.1 | 81.7 | +0.1 |
| May 14, 2026 | 48.2 | 87.2 | 32.0 | 31.1 | 0.1 | 80.9 | +0.2 |
| May 11, 2026 | 48.0 | 86.7 | 32.0 | 31.7 | 0.1 | 80.0 | +1.0 |
| May 10, 2026 | 47.0 | 86.7 | 32.0 | 31.7 | 0.1 | 73.3 | -0.9 |
| May 8, 2026 | 47.9 | 86.6 | 32.0 | 31.4 | 0.1 | 80.0 | +0.1 |
BCH — Pillar Breakdown
Quality
— 87.2/100 (25%)Banco de Chile demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 28.1/100 (20%)Banco de Chile faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 0.1/100 (15%)Banco de Chile presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 83.8/100 (15%)Banco de Chile appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 32/100 (25%)Banco de Chile operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BCH.
Score Composition
Financial Data
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How is the BCH UQS Score Calculated?
The UQS (Unified Quality Score) for Banco de Chile is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Banco de Chile's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Banco de Chile is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.