BCH vs. CFG: Banco de Chile vs. Citizens Financial Stock Comparison

Company Profile

Banco de Chile (BCH) and Citizens Financial (CFG) both belong to the Banks industry, though BCH is classified under Diversified Banks while CFG falls under Regional Banks.

Citizens Financial (CFG) 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% delivers above-range ROE, while Citizens Financial (CFG) at 8.90% falls into the bottom quartile — a wide split in profit generated from equity.

Banco de Chile (BCH) at 45.15% keeps a top-quartile share of each sales dollar as profit, while Citizens Financial (CFG) at 27.02% keeps a bottom-quartile share.

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

Profitability Metrics

Growth

Both Banco de Chile (BCH) at -1.56% and Citizens Financial (CFG) at 5.61% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Citizens Financial (CFG) at 27.39% 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 Citizens Financial (CFG) 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 Citizens Financial (CFG) 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 Citizens Financial (CFG) reports a yield of 2.88%, ranking against industry peers normally.

Citizens Financial (CFG) at 37.17% keeps its payout in the industry’s typical band, while Banco de Chile (BCH) at 85.54% pays out more than any of its peers — the most stretched cover in its group.

Dividend Metrics

Valuation

Citizens Financial (CFG) at 12.78 is near its industry’s usual P/E ratio, while Banco de Chile (BCH) at 14.81 sits in the richer quartile — BCH needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Banco de Chile (BCH) in Banks and Citizens Financial (CFG) 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 sits in the lower P/B ratio quartile against book while Citizens Financial (CFG) at 1.16 is valued near its industry’s middle — BCH is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics