BCH vs. FHN: Banco de Chile vs. First Horizon Stock Comparison

Company Profile

Banco de Chile (BCH) and First Horizon (FHN) both belong to the Banks industry, though BCH is classified under Diversified Banks while FHN falls under Regional Banks.

First Horizon (FHN) 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 First Horizon (FHN) at 7.92% 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 First Horizon (FHN) at 23.43% keeps a bottom-quartile share.

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

Profitability Metrics

Growth

First Horizon (FHN) at 7.33% 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.

First Horizon (FHN) at 37.50% sits in the top EPS growth quartile, while Banco de Chile (BCH) at -1.84% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco de Chile (BCH) in Banks and First Horizon (FHN) 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 First Horizon (FHN) 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 First Horizon (FHN) reports a yield of 2.85%, ranking against industry peers normally.

Both pay out more than their industries’ typical bands, and BCH more so: First Horizon (FHN) at 47.48% sits above the band, while Banco de Chile (BCH) at 85.54% exceeds every peer in its group.

Dividend Metrics

Valuation

Both Banco de Chile (BCH) at 14.81 and First Horizon (FHN) at 16.58 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

P/S ratio is set aside for both Banco de Chile (BCH) in Banks and First Horizon (FHN) 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 First Horizon (FHN) at 1.34 is valued near its industry’s middle — BCH is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics