Investors seeking emerging-market banking exposure often weigh the same handful of liquid Latin American names, and BAP, BCH, and CIB are among the most prominent. This stock comparison examines how these three financial franchises differ in business model, growth drivers, and risk profile, and how their relative performance and market positioning have evolved in recent months. The comparison is relevant to growth-oriented traders tracking momentum as well as income and value investors weighing dividend yield against macroeconomic risk. Because each bank operates in a different country with its own interest-rate cycle and political backdrop, the trade-offs between them are more meaningful than a simple side-by-side of headline returns would suggest.
Credicorp (BAP) is Peru's largest financial conglomerate, spanning universal banking, microfinance, insurance and pensions, and investment management. Its core franchise, Banco de Crédito del Perú (BCP), is complemented by the Yape mobile-payment platform, which has become a key growth engine. In recent quarters, the company has posted an ROE above 20%, a net interest margin (NIM, the spread between interest earned and interest paid) of roughly 6.6%, and improving asset quality, with its non-performing loan (NPL) ratio declining. Management recently raised its medium-term ROE target to about 22%. The shares have climbed roughly 40% year to date and more than 60% over the past year, supported by a series of upward price-target revisions. Sentiment is tempered by upcoming Peruvian elections, elevated inflation, and El Niño weather risks, but the digital-led fee income story remains a notable differentiator.
Banco de Chile (BCH) is Chile's largest bank by deposits and a benchmark for the country's banking sector. It is distinguished by industry-leading efficiency, with an efficiency ratio (operating costs as a share of income, where lower is better) that recently improved to around 31%, and by a robust Common Equity Tier 1 (CET1, a key measure of a bank's capital strength) ratio near 14%. Asset quality is the strongest of this peer group, with an NPL ratio of about 1.6%. Recent quarters have delivered rising net interest income and an ROE near 28% in the latest period, aided by higher inflation-linked income. However, an oil-driven inflation shock and a cautious central bank have led management to trim loan-growth guidance. The stock has advanced roughly 8% year to date, the most modest of the three, while offering the highest dividend yield—around 5.6%—and a consensus analyst rating of Hold.
Bancolombia, the operating brand of Grupo Cibest (CIB), is Colombia's largest bank and a regional financial group with operations across Central America and offshore markets. In its latest quarter it reported net income up sharply, an annualized ROE near 29%, and a NIM that expanded to roughly 7.9%, supported by Colombia's high interest-rate environment. Its Nequi digital platform has scaled to roughly 18 million monetized users, and the group has raised full-year guidance for both NIM and ROE. The sale of its Banistmo unit in Panama and a pivot of Nequi toward profitability have been cited by analysts as catalysts. The stock has been the standout performer, advancing about 45% year to date and more than 100% over the past year, prompting upgrades from Goldman Sachs and J.P. Morgan. Elevated inflation near 6%, a 12% policy rate, and a widening fiscal deficit remain the principal counterweights.
Tickeron operates a large library of AI-powered trading bots spanning thousands of tickers and hundreds of distinct strategies. Because market conditions change constantly, only a subset of these bots is well-suited to the current environment at any given moment. The Trending AI Robots page curates the most relevant and best-performing bots for prevailing conditions. These bots vary widely in trading style, timeframe, strategy, performance statistics, and the sets of tickers they trade—ranging from short-term momentum systems to longer-horizon trend-following models. For traders evaluating names such as BAP, BCH, and CIB, the page offers a way to see which automated approaches are currently gaining traction. Explore the Trending AI Robots section to identify strategies aligned with today's market.
The clearest contrast is between growth momentum and defensive stability. CIB offers the highest ROE and the strongest price trend, but that performance is tied to an unusually tight monetary policy and fiscal pressures that could reverse quickly. BAP sits in the middle: solid profitability and strong digital-led growth, with momentum nearly as strong as CIB's but a more balanced risk profile. BCH is the quality and income play—superior efficiency, capital, and asset quality—yet its slower loan growth and inflation headwinds have kept its relative performance lagging. On valuation, BAP and BCH trade near mid-teens trailing price-to-earnings multiples, while CIB's rerating has lifted it closer to its historical high despite some analysts flagging limited remaining upside. In terms of market sentiment, CIB and BAP have enjoyed positive revisions, while BCH's consensus remains more cautious.
Based on observable factors—trend consistency, catalyst momentum, and relative positioning—Tickeron's AI would most likely favor CIB in the current environment. Its sustained uptrend, record profitability, and recent analyst upgrades represent the strongest combination of momentum and near-term catalysts in this group. However, that favor is probabilistic rather than definitive: CIB also carries the highest macro sensitivity, so a model weighting stability more heavily could instead lean toward BAP, which offers comparable fundamental strength with somewhat lower tail risk. BCH remains the most defensible on quality metrics, but its weaker trend makes it a less likely top selection under momentum-based criteria.
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.
The 10-day moving average for BAP crossed bullishly above the 50-day moving average on October 15, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 11 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 73%.
Following a +1.65% 3-day Advance, the price is estimated to grow further. Considering data from situations where BAP advanced for three days, in 233 of 336 cases, the price rose further within the following month. The odds of a continued upward trend are 69%.
BAP may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
The Aroon Indicator entered an Uptrend today. In 257 of 360 cases where BAP Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 71%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 33 of 57 cases where BAP's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 58%.
The Momentum Indicator moved below the 0 level on October 22, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on BAP as a result. In 46 of 81 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 57%.
The Moving Average Convergence Divergence Histogram (MACD) for BAP turned negative on October 22, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 45 similar instances when the indicator turned negative. In 24 of the 45 cases the stock turned lower in the days that followed. This puts the odds of success at 53%.
BAP moved below its 50-day moving average on October 22, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where BAP declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 55%.
The Tickeron Profit vs. Risk Rating rating for this company is 2 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron SMR rating for this company is 4 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 19 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.773) is normal, around the industry mean (1.268). P/E Ratio (3.996) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (1.040) is also within normal values, averaging (1.190). BAP's Dividend Yield (0.156) is considerably higher than the industry average of (0.035). P/S Ratio (4.088) is also within normal values, averaging (3.738).
The Tickeron Price Growth Rating for this company is 41 (best 1 - 100 worst), indicating steady price growth. BAP’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 93 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The RSI Oscillator for BCH moved out of oversold territory on October 08, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 18 similar instances when the indicator left oversold territory. In 16 of the 18 cases the stock moved higher. This puts the odds of a move higher at 89%.
The Moving Average Convergence Divergence (MACD) for BCH just turned positive on October 19, 2026. Looking at past instances where BCH's MACD turned positive, the stock continued to rise in 43 of 56 cases over the following month. The odds of a continued upward trend are 77%.
Following a +2.03% 3-day Advance, the price is estimated to grow further. Considering data from situations where BCH advanced for three days, in 265 of 360 cases, the price rose further within the following month. The odds of a continued upward trend are 74%.
BCH may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 43 of 70 cases where BCH's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 61%.
The Momentum Indicator moved below the 0 level on October 22, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on BCH as a result. In 44 of 98 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 45%.
BCH moved below its 50-day moving average on September 28, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for BCH crossed bearishly below the 50-day moving average on September 29, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 7 of 15 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 47%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where BCH declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 51%.
The Aroon Indicator for BCH entered a downward trend on October 13, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
The Tickeron SMR rating for this company is 1 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 1 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron Valuation Rating of 3 (best 1 - 100 worst) indicates that the company is seriously undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: BCH's P/B Ratio (0.003) is slightly lower than the industry average of (1.268). P/E Ratio (0.016) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (2.479) is also within normal values, averaging (1.190). BCH's Dividend Yield (0.454) is considerably higher than the industry average of (0.035). BCH's P/S Ratio (6.418) is slightly higher than the industry average of (3.738).
The Tickeron Price Growth Rating for this company is 49 (best 1 - 100 worst), indicating steady price growth. BCH’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 97 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
CIB saw its Momentum Indicator move above the 0 level on October 21, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 84 similar instances where the indicator turned positive. In 74 of the 84 cases, the stock moved higher in the following days. The odds of a move higher are at 88%.
The Moving Average Convergence Divergence (MACD) for CIB just turned positive on October 12, 2026. Looking at past instances where CIB's MACD turned positive, the stock continued to rise in 37 of 48 cases over the following month. The odds of a continued upward trend are 77%.
CIB moved above its 50-day moving average on October 21, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for CIB crossed bullishly above the 50-day moving average on October 21, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 6 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 40%.
Following a +2.09% 3-day Advance, the price is estimated to grow further. Considering data from situations where CIB advanced for three days, in 258 of 337 cases, the price rose further within the following month. The odds of a continued upward trend are 77%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 32 of 61 cases where CIB's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 52%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where CIB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 53%.
The Aroon Indicator for CIB entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
The Tickeron SMR rating for this company is 1 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 1 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron Valuation Rating of 12 (best 1 - 100 worst) indicates that the company is seriously undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: CIB's P/B Ratio (0.001) is slightly lower than the industry average of (1.268). P/E Ratio (0.005) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.470) is also within normal values, averaging (1.190). Dividend Yield (0.058) settles around the average of (0.035) among similar stocks. CIB's P/S Ratio (1.355) is slightly lower than the industry average of (3.738).
The Tickeron Price Growth Rating for this company is 37 (best 1 - 100 worst), indicating steady price growth. CIB’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 97 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
BAP | BCH | CIB | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 11 | 7 | 40 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 19 Undervalued | 3 Undervalued | 12 Undervalued | |
PROFIT vs RISK RATING 1..100 | 2 | 1 | 1 | |
SMR RATING 1..100 | 4 | 1 | 1 | |
PRICE GROWTH RATING 1..100 | 41 | 49 | 37 | |
P/E GROWTH RATING 1..100 | 93 | 97 | 97 | |
SEASONALITY SCORE 1..100 | 50 | 50 | 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.
BCH's Valuation (3) in the Regional Banks industry is in the same range as CIB (12) and is in the same range as BAP (19). This means that BCH's stock grew similarly to CIB’s and similarly to BAP’s over the last 12 months.
BCH's Profit vs Risk Rating (1) in the Regional Banks industry is in the same range as CIB (1) and is in the same range as BAP (2). This means that BCH's stock grew similarly to CIB’s and similarly to BAP’s over the last 12 months.
BCH's SMR Rating (1) in the Regional Banks industry is in the same range as CIB (1) and is in the same range as BAP (4). This means that BCH's stock grew similarly to CIB’s and similarly to BAP’s over the last 12 months.
CIB's Price Growth Rating (37) in the Regional Banks industry is in the same range as BAP (41) and is in the same range as BCH (49). This means that CIB's stock grew similarly to BAP’s and similarly to BCH’s over the last 12 months.
BAP's P/E Growth Rating (93) in the Regional Banks industry is in the same range as CIB (97) and is in the same range as BCH (97). This means that BAP's stock grew similarly to CIB’s and similarly to BCH’s over the last 12 months.
| BAP | BCH | CIB | |
|---|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 89% | N/A |
| Stochastic ODDS (%) | 2 days ago 58% | 2 days ago 61% | 2 days ago 52% |
| Momentum ODDS (%) | 2 days ago 57% | 2 days ago 45% | 2 days ago 88% |
| MACD ODDS (%) | 2 days ago 53% | 2 days ago 77% | 2 days ago 77% |
| TrendWeek ODDS (%) | 2 days ago 57% | 2 days ago 46% | 2 days ago 55% |
| TrendMonth ODDS (%) | 2 days ago 55% | 2 days ago 43% | 2 days ago 73% |
| Advances ODDS (%) | 8 days ago 69% | 4 days ago 74% | 3 days ago 77% |
| Declines ODDS (%) | 2 days ago 55% | 2 days ago 51% | about 1 month ago 53% |
| BollingerBands ODDS (%) | 2 days ago 71% | 2 days ago 82% | N/A |
| Aroon ODDS (%) | 2 days ago 71% | 2 days ago 45% | 2 days ago 60% |
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 overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BAP’s FA Score shows that 3 FA rating(s) are green while BCH’s FA Score has 3 green FA rating(s), and CIB’s FA Score reflects 3 green FA rating(s).
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.
BAP’s TA Score shows that 4 TA indicator(s) are bullish while BCH’s TA Score has 4 bullish TA indicator(s), and CIB’s TA Score reflects 5 bullish TA indicator(s).
BAP (@Regional Banks) experienced а -4.47% price change this week, while BCH (@Regional Banks) price change was -1.46% , and CIB (@Regional Banks) price fluctuated -1.03% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.20%. For the same industry, the average monthly price growth was +1.50%, and the average quarterly price growth was +9.03%.
BAP is expected to report earnings on Nov 09, 2026.
BCH is expected to report earnings on Oct 30, 2026.
CIB is expected to report earnings on Nov 05, 2026.
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.
A.I.dvisor indicates that over the last year, BAP has been closely correlated with IFS. These tickers have moved in lockstep 76% of the time. This A.I.-generated data suggests there is a high statistical probability that if BAP jumps, then IFS could also see price increases.
| Ticker / NAME | Correlation To BAP | 1D Price Change % | ||
|---|---|---|---|---|
| BAP | 100% | -4.46% | ||
| IFS - BAP | 76% Closely correlated | -3.30% | ||
| BSAC - BAP | 55% Loosely correlated | -3.09% | ||
| BCH - BAP | 52% Loosely correlated | -2.80% | ||
| CIB - BAP | 50% Loosely correlated | -0.98% | ||
| INTR - BAP | 49% Loosely correlated | -4.55% | ||
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A.I.dvisor indicates that over the last year, BCH has been closely correlated with BSAC. These tickers have moved in lockstep 86% 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% | -2.80% | ||
| BSAC - BCH | 86% Closely correlated | -3.09% | ||
| INTR - BCH | 58% Loosely correlated | -4.55% | ||
| DB - BCH | 56% Loosely correlated | -2.39% | ||
| LYG - BCH | 55% Loosely correlated | -2.00% | ||
| BBD - BCH | 54% Loosely correlated | -2.47% | ||
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A.I.dvisor indicates that over the last year, CIB has been loosely correlated with BSAC. These tickers have moved in lockstep 57% of the time. This A.I.-generated data suggests there is some statistical probability that if CIB jumps, then BSAC could also see price increases.
| Ticker / NAME | Correlation To CIB | 1D Price Change % | ||
|---|---|---|---|---|
| CIB | 100% | -0.98% | ||
| BSAC - CIB | 57% Loosely correlated | -3.09% | ||
| AVAL - CIB | 56% Loosely correlated | -0.42% | ||
| BCH - CIB | 51% Loosely correlated | -2.80% | ||
| BAP - CIB | 50% Loosely correlated | -4.46% | ||
| IFS - CIB | 44% Loosely correlated | -3.30% | ||
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