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BCH vs ITUB
Which Stock Would AI Choose? Banco de Chile (BCH) vs. Itaú Unibanco Holding S.A. (ITUB) Stock Comparison
Key Takeaways
- ITUB has delivered superior year-to-date (YTD) returns of 20.95%, significantly outpacing BCH's 3.16%.
- BCH reported an 18.3% drop in Q1 2026 net income due to inflation pressures and higher provisions, impacting recent sentiment.
- ITUB boasts a larger market capitalization of approximately $95 billion compared to BCH's $18.7 billion, reflecting greater scale.
- Both stocks offer attractive dividends, with BCH at 5.90% yield versus ITUB's 1.22%.
- ITUB demonstrates stronger return on equity (ROE, a measure of profitability relative to shareholders' equity) at 21.01%.
- Recent market activity highlights ITUB's momentum amid positive analyst mentions, while BCH faces headwinds from earnings misses.
Introduction
This stock comparison examines BCH and ITUB, two prominent Latin American banks listed on the NYSE. Investors seeking exposure to emerging market financials, particularly in Chile and Brazil, may find value in analyzing their relative performance, sector dynamics, and growth prospects. With both navigating regional economic shifts, currency fluctuations, and interest rate environments, this head-to-head review highlights key metrics for traders focused on dividend yields, momentum, and stability in the banking sector.
BCH Overview and Recent Performance
Banco de Chile (BCH) is one of Chile's largest banks, providing retail, commercial, and wholesale banking services with a strong domestic focus. In recent market activity, the stock has traded around $37, within a 52-week range of $27.08 to $46.77, reflecting volatility tied to local economic conditions. Year-to-date gains stand at 3.16%, supported by a trailing P/E ratio (price-to-earnings, a valuation measure) of 14.88 and a robust dividend yield of 5.90%. Sentiment shifted following Q1 2026 results, where net income fell 18.3% to Ch$268,628 million amid higher inflation, increased loan loss provisions, and slower net interest margin expansion despite loan growth. These factors have contributed to modest recent price pressure, underscoring exposure to Chile's macroeconomic challenges like copper prices and policy tightening.
ITUB Overview and Recent Performance
Itaú Unibanco Holding S.A. (ITUB), Brazil's largest private bank, offers a broad range of financial services across Latin America, including retail banking, investment banking, and insurance. The ADR recently closed near $8.62, within a 52-week range of $5.87 to $9.60, with a market cap of $95 billion. It has shown strong momentum, with YTD returns of 20.95% and a one-year gain of 53.69%, bolstered by a P/E of 10.77 and ROE of 21.01%. Recent weeks have featured positive developments, such as the filing of its 2025 Form 20-F and analyst highlights on its digital transformation success. With Q1 2026 earnings approaching, investor focus remains on sustained profitability amid Brazil's recovering economy and controlled inflation.
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Head-to-Head Comparison
Both BCH and ITUB operate in regional banking but differ in scale and geography: BCH emphasizes Chile's stable yet commodity-dependent economy, while ITUB benefits from Brazil's larger, more dynamic market with broader LatAm exposure. Growth drivers for ITUB include digital initiatives and high ROE, contrasting BCH's reliance on net interest income amid provisioning pressures. Recent momentum favors ITUB with superior YTD and one-year returns, while BCH offers higher dividend yield as a trade-off. Risk factors involve currency volatility (CLP for BCH, BRL for ITUB) and regional policy risks, with ITUB showing lower beta (0.27 vs. 0.15). Market sentiment leans positive for ITUB due to scale advantages and consistent profitability metrics.
Tickeron AI Verdict
Tickeron's AI analysis currently favors ITUB over BCH, driven by stronger trend consistency, higher YTD momentum, superior ROE, and larger market positioning. While BCH's dividend appeal and stability provide balance, ITUB's catalysts in Brazil's growth environment suggest higher probability of near-term outperformance in volatile markets.
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 disclaimer. 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 Hold and ITUB is a StrongBuy.
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 whileITUB’s FA Score has 2 green FA rating(s).
- BCH’s FA Score: 3 green, 2 red.
- ITUB’s FA Score: 2 green, 3 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 4 TA indicator(s) are bullish while ITUB’s TA Score has 4 bullish TA indicator(s).
- BCH’s TA Score: 4 bullish, 6 bearish.
- ITUB’s TA Score: 4 bullish, 6 bearish.
Price Growth
BCH (@Regional Banks) experienced а -2.42% price change this week, while ITUB (@Regional Banks) price change was -3.39% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.29%. For the same industry, the average monthly price growth was +1.38%, and the average quarterly price growth was +16.93%.
Reported Earning Dates
BCH is expected to report earnings on Jul 30, 2026.
ITUB is expected to report earnings on Aug 04, 2026.
Industries' Descriptions
@Regional Banks (-0.29% 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 | ITUB | BCH / ITUB | |
| Capitalization | 18.2B | 92.1B | 20% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 5.457 | 15.577 | 35% |
| P/E Ratio | 14.22 | 9.82 | 145% |
| Revenue | 2.96T | 164B | 1,806% |
| Total Cash | N/A | N/A | - |
| Total Debt | 13.41T | 561B | 2,390% |
BCH | ITUB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 64 | 65 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 85 Overvalued | 50 Fair valued | |
PROFIT vs RISK RATING 1..100 | 17 | 8 | |
SMR RATING 1..100 | 1 | 3 | |
PRICE GROWTH RATING 1..100 | 54 | 45 | |
P/E GROWTH RATING 1..100 | 25 | 46 | |
SEASONALITY SCORE 1..100 | 65 | 50 |
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.
ITUB's Valuation (50) in the Major Banks industry is somewhat better than the same rating for BCH (85) in the Regional Banks industry. This means that ITUB’s stock grew somewhat faster than BCH’s over the last 12 months.
ITUB's Profit vs Risk Rating (8) in the Major Banks industry is in the same range as BCH (17) in the Regional Banks industry. This means that ITUB’s stock grew similarly to BCH’s over the last 12 months.
BCH's SMR Rating (1) in the Regional Banks industry is in the same range as ITUB (3) in the Major Banks industry. This means that BCH’s stock grew similarly to ITUB’s over the last 12 months.
ITUB's Price Growth Rating (45) in the Major Banks industry is in the same range as BCH (54) in the Regional Banks industry. This means that ITUB’s stock grew similarly to BCH’s over the last 12 months.
BCH's P/E Growth Rating (25) in the Regional Banks industry is in the same range as ITUB (46) in the Major Banks industry. This means that BCH’s stock grew similarly to ITUB’s over the last 12 months.
| BCH | ITUB | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 54% | 2 days ago 57% |
| Stochastic ODDS (%) | 2 days ago 63% | 2 days ago 75% |
| Momentum ODDS (%) | 2 days ago 48% | 2 days ago 62% |
| MACD ODDS (%) | 2 days ago 51% | 2 days ago 61% |
| TrendWeek ODDS (%) | 2 days ago 48% | 2 days ago 61% |
| TrendMonth ODDS (%) | 2 days ago 44% | 2 days ago 60% |
| Advances ODDS (%) | 7 days ago 72% | 28 days ago 72% |
| Declines ODDS (%) | 2 days ago 52% | 6 days ago 61% |
| BollingerBands ODDS (%) | 2 days ago 57% | 2 days ago 76% |
| Aroon ODDS (%) | 2 days ago 61% | 2 days ago 73% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| MBOX | 38.85 | 0.03 | +0.08% |
| Freedom Day Dividend ETF | |||
| SCHP | 26.85 | -0.01 | -0.04% |
| Schwab US TIPS ETF™ | |||
| TAXE | 51.15 | -0.04 | -0.08% |
| T. Rowe Price Intermediate Muncpl IncETF | |||
| DIVG | 35.32 | -0.08 | -0.23% |
| Invesco S&P 500 Hi Div Grwrs ETF | |||
| RSPH | 30.16 | -0.43 | -1.41% |
| Invesco S&P 500® Equal Wt Hlth Care ETF | |||
ITUB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ITUB has been closely correlated with BSBR. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if ITUB jumps, then BSBR could also see price increases.
| Ticker / NAME | Correlation To ITUB | 1D Price Change % | ||
|---|---|---|---|---|
| ITUB | 100% | -2.27% | ||
| BSBR - ITUB | 78% Closely correlated | -2.23% | ||
| BBD - ITUB | 74% Closely correlated | -2.67% | ||
| INTR - ITUB | 66% Closely correlated | -7.41% | ||
| BSAC - ITUB | 63% Loosely correlated | -1.42% | ||
| BCH - ITUB | 58% Loosely correlated | -1.72% | ||
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