BCH vs. BMO: Banco de Chile vs. Bank of Montreal Stock Comparison

Company Profile

Banco de Chile (BCH) and Bank of Montreal (BMO) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Bank of Montreal (BMO) trades as ordinary local shares, while Banco de Chile (BCH) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Banco de Chile (BCH) at 21.08% clears its industry range for ROE, a sharper capital-efficiency signal than Bank of Montreal (BMO) at 10.57%, which is closer to a typical peer reading.

Banco de Chile (BCH) at 45.15% keeps a top-quartile share of each sales dollar as profit, while Bank of Montreal (BMO) at 25.66% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Banco de Chile (BCH) in Banks and Bank of Montreal (BMO) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Bank of Montreal (BMO) at 12.67% is around its peer norm for revenue growth, while Banco de Chile (BCH) at -1.56% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Bank of Montreal (BMO) at 20.29% is around its peer norm for EPS growth, while Banco de Chile (BCH) at -1.84% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco de Chile (BCH) in Banks and Bank of Montreal (BMO) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Banco de Chile (BCH) in Banks and Bank of Montreal (BMO) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Banco de Chile (BCH) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bank of Montreal (BMO) reports a yield of 3.87%, ranking against industry peers normally.

Both pay out more than their industries’ typical bands, and BCH more so: Bank of Montreal (BMO) at 54.44% sits above the band, while Banco de Chile (BCH) at 85.54% exceeds every peer in its group.

Dividend Metrics

Valuation

Both look expensive on trailing earnings: Banco de Chile (BCH) at 14.81 sits in the richer P/E ratio quartile, and Bank of Montreal (BMO) at 19.34 is richer still, above its industry range.

P/S ratio is set aside for both Banco de Chile (BCH) in Banks and Bank of Montreal (BMO) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Banco de Chile (BCH) at 0.69 looks cheap against book in the lower P/B ratio quartile, while Bank of Montreal (BMO) at 1.97 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics