BCH vs. CIB: Banco de Chile vs. Grupo Cibest Stock Comparison

Company Profile

Banco de Chile (BCH) and Grupo Cibest (CIB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Banco de Chile (BCH) and Grupo Cibest (CIB) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

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

Both companies show strong equity returns, but Banco de Chile (BCH) at 21.08% is the standout with ROE above its industry range; Grupo Cibest (CIB) at 19.22% also sits in the top quartile.

Banco de Chile (BCH) at 45.15% keeps a top-quartile share of each sales dollar as profit, while Grupo Cibest (CIB) at 17.57% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Banco de Chile (BCH) in Banks and Grupo Cibest (CIB) 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 Grupo Cibest (CIB) at 5.11% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Neither side shows strong earnings momentum: Banco de Chile (BCH) at -1.84% sits in the bottom EPS growth quartile, and Grupo Cibest (CIB) at -38.49% is weaker still, below its industry range.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco de Chile (BCH) in Banks and Grupo Cibest (CIB) 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 Grupo Cibest (CIB) 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

Neither Banco de Chile (BCH) nor Grupo Cibest (CIB) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Grupo Cibest (CIB) at 31.29% 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

Grupo Cibest (CIB) at 11.13 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 Grupo Cibest (CIB) 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.

Grupo Cibest (CIB) at 0.00 is priced below its industry’s P/B ratio range against book, and Banco de Chile (BCH) at 0.69 also sits in the lower quartile — both look cheap on assets, CIB more so.

Valuation Metrics