BCH vs. UMBF: Banco de Chile vs. UMB Financial Stock Comparison

Company Profile

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

UMB Financial (UMBF) 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 UMB Financial (UMBF) at 13.50%, which is closer to a typical peer reading.

For every dollar of sales, both Banco de Chile (BCH) at 45.15% and UMB Financial (UMBF) at 35.61% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

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

Profitability Metrics

Growth

UMB Financial (UMBF) at 65.66% delivers above-range revenue growth, while Banco de Chile (BCH) at -1.56% falls into the bottom quartile — a wide split in revenue momentum.

Both Banco de Chile (BCH) at -1.84% and UMB Financial (UMBF) at 3.34% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco de Chile (BCH) in Banks and UMB Financial (UMBF) 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 UMB Financial (UMBF) 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 UMB Financial (UMBF) reports a yield of 1.33%, ranking against industry peers normally.

UMB Financial (UMBF) at 13.54% holds its payout below the industry band, keeping plenty of earnings back; Banco de Chile (BCH) at 85.54% pays out more than every peer in its group — thin cover that puts the dividend’s headroom in question.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Banco de Chile (BCH) at 14.81 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

P/S ratio is set aside for both Banco de Chile (BCH) in Banks and UMB Financial (UMBF) 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 UMB Financial (UMBF) 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