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BCH vs BSAC
Which Stock Would AI Choose? Banco de Chile (BCH) vs. Banco Santander-Chile (BSAC) Stock Comparison
Key Takeaways
- Banco de Chile (BCH) boasts a larger market capitalization of approximately $18.7 billion compared to Banco Santander-Chile's (BSAC) $14.8 billion, reflecting its dominant position in Chile's banking sector.
- In Q1 2026 earnings, BCH reported a profit decline of 18.3% due to inflation and higher provisions, while BSAC delivered a robust 23% return on equity (ROE, a measure of profitability relative to shareholders' equity).
- Year-to-date (YTD) performance favors BSAC at +4.94% versus BCH's +3.16%, amid broader Chilean economic pressures.
- BCH offers a higher dividend yield of 5.9% compared to BSAC's 4.85%, appealing to income-focused investors.
- BSAC trades at a lower price-to-earnings (P/E, stock price divided by earnings per share) ratio of 12.89 versus BCH's 14.88, indicating potential relative value.
- Both stocks exhibit low betas (BCH 0.15, BSAC 0.29; beta measures volatility relative to the market), suggesting stability in volatile emerging markets.
Introduction
Banco de Chile (BCH) and Banco Santander-Chile (BSAC) are two of Chile's largest banks, offering investors targeted exposure to Latin America's most stable economy. This stock comparison analyzes their recent market positioning, financial metrics, and performance amid Chilean inflation and economic shifts. Traders seeking dividend income, value plays, or regional diversification, as well as long-term investors monitoring emerging market financials, will find insights into relative strengths, such as valuation multiples and momentum. With both ADRs listed on the NYSE, they provide accessible ways to gauge sentiment in Chile's banking sector during recent market activity.
BCH Overview and Recent Performance
Banco de Chile (BCH), founded in 1893 and headquartered in Santiago, operates through retail, wholesale, treasury, and subsidiaries segments. It delivers comprehensive services including loans, deposits, insurance, investments, and cash management to individuals, SMEs, and corporations. In recent market activity, BCH's shares traded around $37, with a market cap of $18.7 billion, P/E ratio of 14.88, and ROE of 20.85%. Q1 2026 results showed net income down 18.3% to Ch$269 billion, pressured by inflation and elevated loan loss provisions despite loan growth and resilient customer revenues. The stock experienced downward pressure post-earnings in recent weeks, reflecting broader concerns over Chile's economic environment, though YTD gains of 3.16% and a 5.9% dividend yield underscore underlying stability and income appeal.
BSAC Overview and Recent Performance
Banco Santander-Chile (BSAC), a subsidiary of Spain's Banco Santander, provides retail, wealth management, corporate, and investment banking services across Chile since 1977. Its offerings span loans, cards, mutual funds, insurance, and foreign exchange for diverse clients from individuals to governments. Shares recently hovered near $31, with a $14.8 billion market cap, P/E of 12.89, and ROE of 22.06%. Q1 2026 earnings highlighted a strong 23% ROE, with net profit around $308 million, buoyed by solid segment performance ahead of the May earnings call. Recent weeks saw mild declines post-quarterly release, influenced by macroeconomic headwinds, yet YTD returns of 4.94% and a 4.85% yield signal positive momentum and analyst support, including a March upgrade to overweight.
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Head-to-Head Comparison
Both BCH and BSAC center on commercial banking in Chile, with overlapping retail and wholesale models but distinct emphases: BCH excels in treasury and SME services, while BSAC leverages global parent synergies in wealth management and investment banking. Growth drivers include loan expansion for both, tempered by inflation risks. Recent momentum tilts to BSAC with superior YTD and one-year gains, versus BCH's dividend edge. Risk profiles are low-volatility (betas under 0.3), though BCH offers greater stability. Sector exposure ties them to Chile's economy, where provisioning pressures contrast with healthy ROEs above 20%. Valuation favors BSAC's lower P/E, while market sentiment reflects post-Q1 caution for both.
Tickeron AI Verdict
Tickeron's AI models would likely favor BSAC in the current environment, given its edge in YTD performance, lower P/E valuation, higher ROE, and recent analyst upgrades amid stable catalysts like strong quarterly profitability. BCH remains competitive with superior size, dividends, and lower beta for conservative positioning. Outcomes hinge on Chilean macro trends, with no definitive edge but probabilistic tilt toward BSAC's relative momentum.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BCH is a Buy and BSAC is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BCH’s FA Score shows that 3 FA rating(s) are green whileBSAC’s FA Score has 3 green FA rating(s).
- BCH’s FA Score: 3 green, 2 red.
- BSAC’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BCH’s TA Score shows that 6 TA indicator(s) are bullish while BSAC’s TA Score has 6 bullish TA indicator(s).
- BCH’s TA Score: 6 bullish, 4 bearish.
- BSAC’s TA Score: 6 bullish, 3 bearish.
Price Growth
BCH (@Regional Banks) experienced а -2.12% price change this week, while BSAC (@Regional Banks) price change was -0.90% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.73%. For the same industry, the average monthly price growth was +5.09%, and the average quarterly price growth was +12.91%.
Reported Earning Dates
BCH is expected to report earnings on Jul 30, 2026.
BSAC is expected to report earnings on Jul 30, 2026.
Industries' Descriptions
@Regional Banks (+0.73% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BCH | BSAC | BCH / BSAC | |
| Capitalization | 20.2B | 15.5B | 130% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 19.163 | 16.592 | 115% |
| P/E Ratio | 16.22 | 13.84 | 117% |
| Revenue | 2.96T | 2.86T | 104% |
| Total Cash | N/A | N/A | - |
| Total Debt | 13.41T | 13.7T | 98% |
BCH | BSAC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 18 | 27 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 66 Overvalued | 61 Fair valued | |
PROFIT vs RISK RATING 1..100 | 8 | 12 | |
SMR RATING 1..100 | 1 | 1 | |
PRICE GROWTH RATING 1..100 | 42 | 44 | |
P/E GROWTH RATING 1..100 | 20 | 28 | |
SEASONALITY SCORE 1..100 | 65 | 65 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BSAC's Valuation (61) in the Regional Banks industry is in the same range as BCH (66). This means that BSAC’s stock grew similarly to BCH’s over the last 12 months.
BCH's Profit vs Risk Rating (8) in the Regional Banks industry is in the same range as BSAC (12). This means that BCH’s stock grew similarly to BSAC’s over the last 12 months.
BCH's SMR Rating (1) in the Regional Banks industry is in the same range as BSAC (1). This means that BCH’s stock grew similarly to BSAC’s over the last 12 months.
BCH's Price Growth Rating (42) in the Regional Banks industry is in the same range as BSAC (44). This means that BCH’s stock grew similarly to BSAC’s over the last 12 months.
BCH's P/E Growth Rating (20) in the Regional Banks industry is in the same range as BSAC (28). This means that BCH’s stock grew similarly to BSAC’s over the last 12 months.
| BCH | BSAC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 59% | N/A |
| Stochastic ODDS (%) | 2 days ago 62% | 2 days ago 64% |
| Momentum ODDS (%) | 2 days ago 69% | 2 days ago 72% |
| MACD ODDS (%) | 2 days ago 65% | 2 days ago 70% |
| TrendWeek ODDS (%) | 2 days ago 48% | 2 days ago 66% |
| TrendMonth ODDS (%) | 2 days ago 67% | 2 days ago 66% |
| Advances ODDS (%) | 9 days ago 72% | 8 days ago 68% |
| Declines ODDS (%) | 2 days ago 54% | 6 days ago 54% |
| BollingerBands ODDS (%) | 2 days ago 58% | 2 days ago 62% |
| Aroon ODDS (%) | 2 days ago 65% | 2 days ago 62% |
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BCH and
Correlation & Price change
A.I.dvisor indicates that over the last year, BCH has been closely correlated with BSAC. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if BCH jumps, then BSAC could also see price increases.
| Ticker / NAME | Correlation To BCH | 1D Price Change % | ||
|---|---|---|---|---|
| BCH | 100% | -0.32% | ||
| BSAC - BCH | 85% Closely correlated | +0.74% | ||
| BBD - BCH | 63% Loosely correlated | +2.08% | ||
| BSBR - BCH | 62% Loosely correlated | +2.12% | ||
| ITUB - BCH | 62% Loosely correlated | +2.74% | ||
| INTR - BCH | 52% Loosely correlated | -1.10% | ||
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BSAC and
Correlation & Price change
A.I.dvisor indicates that over the last year, BSAC has been closely correlated with BCH. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if BSAC jumps, then BCH could also see price increases.
| Ticker / NAME | Correlation To BSAC | 1D Price Change % | ||
|---|---|---|---|---|
| BSAC | 100% | +0.74% | ||
| BCH - BSAC | 85% Closely correlated | -0.32% | ||
| ITUB - BSAC | 65% Loosely correlated | +2.74% | ||
| BBD - BSAC | 65% Loosely correlated | +2.08% | ||
| BSBR - BSAC | 62% Loosely correlated | +2.12% | ||
| CIB - BSAC | 57% Loosely correlated | -0.21% | ||
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