Banco De Chile (BCH) Stock Analysis & Forecast

Sep 28 close

$41.45−0.59 (−1.4%)

Gekko Brief

AI summary

Coverage this week centers on Banco de Chile's Q1 2026 results, detailed in a released earnings call transcript, which showed an 18.2% return on average equity alongside an updated 2026 inflation forecast of 4.3%. Management also revised net interest margin guidance to 4.6% and set an efficiency ratio target of 38%. Separately, Banco de Chile faced local criticism after the Pampilla Solidaria fundraising event in Coquimbo collected only $2.8 million, with the municipal administrator attributing the shortfall to limited campaign visibility from the bank.

The stock closed at $41.45, down 1.4%, sitting between its 50-day average of $41.49 and 200-day average of $39.97. The GekkoIndex reads 58.5, placing it in the Neutral zone, while Gekko Fair Value stands at $40.82, putting price 1.5% above that level.

The next earnings date falls on 29 October 2026, 30 days out, which sits beyond a typical 20-trading-day holding window. No insider, Congress or unusual options activity appears in the current windows. Seasonality over the next 20 trading days has averaged a 1% return across 5 years, with gains in 2 of those years. Consensus among 2 covering firms rates the stock a hold, with a $39.86 price target implying a -3.8% gap to current levels, a detail worth noting alongside the approaching earnings date.

Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.

Banco De Chile price vs fair value

$41.45$40.82Sep ’25Mar ’26Sep ’26
Close $41.45200-day averageGekko Fair Value $40.82

Banco De Chile quick facts

Market cap
$20.94B
P/E ratio
16.5
Forward P/E
15.2
EPS, TTM
$2.52
Revenue, TTM
$2.69T
Profit margin
45.4%
Dividend yield
—
Beta
0.07
Volume
179,387 avg 297,801
1-year return
+37.6%
Typical daily move
±2.1%
Typical 20-day move
±4.7%
50-day average
$41.49
200-day average
$39.97
Next earnings
Oct 29
Shares outstanding
505.1M
52-week range
$29.71$46.77

Banco De Chile swing-trade checklist

Banco De Chile scores 1 supportive, 4 mixed and 0 headwinds across the 5 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

1 supportive4 mixed0 headwinds

  • Trendmixed

    Averages disagree

    Close $41.45 sits between the 50-day ($41.49) and 200-day ($39.97) averages, or the averages disagree.

    See the chart
  • GekkoIndexmixed

    58.5, Neutral

    Reading 58.5 is in the Neutral zone.

    See the GekkoIndex
  • Fair valuemixed

    1.5% above

    Price is within 5% of Gekko Fair Value (1.5% above).

    See fair value
  • Smart moneyno data

    No data

    No insider, Congress or unusual options activity in the window.

    See smart money
  • Earnings risksupportive

    Reports in 30 days

    Next report Oct 29, 2026, 30 days away — outside a typical 20-trading-day hold.

    See earnings
  • Seasonalitymixed

    +1.0% on average

    From this point in the calendar, the next 20 trading days averaged +1% over 5 years, rising in 2 of them.

    See seasonality

A description of current data, not a recommendation. How this page works

Banco De Chile stock chart and price history

Banco De Chile closed at $41.45 on Sep 28, 2026, +37.6% over the past year, inside a 52-week range of $29.71 to $46.77.

Close50-day average200-day averageVolume
Banco De Chile share price, past year, with 50-day and 200-day moving averages and volume$30$35$40$45NovDecJan 2026FebMarAprMayJunJulAugSep41.45

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month
−0.4%
3 months
+6.1%
6 months
+8.9%
1 year
+37.6%
The full BCH chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open BCH in Gekko

Follow Banco De Chile through every session

Put BCH on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.

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Banco De Chile GekkoIndex: the smart money zone

Banco De Chile’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 58.5, in the Neutral zone, up 0.5 points over five sessions.

010058.5Neutral

Up 0.5 points over five sessions.

Reading for Sep 28, 2026

What followed past readings in each zone

ZoneReadings5 days10 days20 days50 days
Buying9Too few readings yet
Accumulation167+0.9%+2.0%+2.8%+7.6%
Neutral (current zone)401+0.4%+0.7%+2.1%+5.3%
Distribution47+0.5%+1.2%+1.5%+2.9%
Selling1Too few readings yet

Average BCH share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.

Neutral zone: No clear directional signal. About the five zones →

See every daily GekkoIndex reading plotted over the BCH price, zone by zone.Track BCH in Gekko

Is Banco De Chile stock overvalued? Gekko Fair Value

Banco De Chile trades 1.5% above Gekko Fair Value of $40.82, so the shares are about fair value on Gekko’s estimate.

Gekko’s own estimate of what Banco De Chile shares are worth, recalculated every trading day.

$40.82

Gekko Fair Value, Sep 26, 2026

1.5% above fair value · About fair value

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open BCH in Gekko

Banco De Chile insider and Congress trading

No open-market insider purchases were filed for Banco De Chile, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

No open-market insider purchases were filed for BCH in the last 90 days.

From Form 4 filings, dated to when each was filed.

Every BCH insider filing, plotted on the chart in Gekko.Open BCH in Gekko

Congress trades last 90 days

No trades in BCH were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for BCH, plotted on the chart in Gekko.Open BCH in Gekko

Banco De Chile earnings: next date and track record

Banco De Chile reports on Oct 29, 2026 (30 days away), and beat the EPS estimate in 4 of its last 8 reports.

4 of 8reports beat the EPS estimate
±1.9%average move across the report
2 of 8reports followed by a gain

Share-price move across each report

−2.1%Apr ’24−0.5%Jul ’24−3.1%Oct ’24−0.7%Jan ’25−1.9%Apr ’25+1.9%Jul ’25+1.4%Oct ’25−3.7%Feb ’26

Last earnings call, Feb 4, 2026 AI summary

What they said
Banco de Chile held its Q4 2025 earnings call, highlighting market leadership, strong profitability and disciplined capital/risk management. Management emphasized #1 rankings in net income, return on assets, net fee income and NIM. Full-year net income was CLP 1.2 trillion with 2.2% ROA vs industry 1.3%. CET1 was 14.5% and coverage ratio 223% with CLP 661 billion additional provisions. Operating expenses fell 3.5% real; focus on digital-driven efficiency. Strategic priorities: customer-centricity, efficiency/productivity, sustainability; midterm targets include cost-to-income below 40%, top return on average capital, NPS >=73%. Management discussed macro outlook: 2026 GDP ~2.4% with upside risks (consumer/business confidence, capital imports, copper price) and political uncertainty until new government takes office March 11; potential corporate tax reduction (~27% to ~23%) and interest-rate cap discussions. Loan growth guidance: bank targets ~7% nominal overall with segmental: consumer ~6%, mortgages ~5%, commercial ~8%; industry ~4.5%. Loan growth likely backloaded to H2 2026. Capital allocation: shareholders approved 85% payout ratio; bank maintains excess CET1 and intends to deploy capital to take market share and grow above industry in 2026 while keeping ~1% above regulatory minimums. Efficiency guidance ~39% cost-to-income driven by prior cost programs, branch rationalization, technology investments and fee growth (high single to low double digits) including contribution from new subsidiary Banchile Pagos. Cost of risk guided to 1.1%-1.2% (normalized higher than recent troughs) due to mix shift toward SMEs and consumer; ROE guidance 19%-21% for 2026.
Guidance
Loan growth targets: Banco de Chile ~7% nominal overall (commercial ~8%, consumer ~6%, mortgages ~5%); industry loan growth ~4.5%. Efficiency target ~39% cost-to-income for 2026 and midterm cost-to-income below 40%. NIM ~4.5%. Fee growth high single to low double digits. Cost of risk 1.1%-1.2%. ROE guidance 19%-21%. Capital: maintain CET1 ~1% above regulatory minimum and deploy excess capital to grow; dividend payout ratio approved at 85%.
Risks flagged
Political uncertainty until new government assumes office March 11 affecting timing and details of fiscal/tax reforms; potential regulatory measures (interest rate caps) could alter consumer banking dynamics; macro risks include unemployment, real wages, inflation pass-through affecting asset quality; loan growth timing uncertainty (likely backloaded); cost of risk normalization to 1.1%-1.2% from recent lows.
ReportedEPSSurpriseRevenueSurpriseMove
Feb 4, 2026$0.61
est $0.62
−2.5%$867.8M
est $855.9M
+1.4%−3.7%
Oct 30, 2025$0.62
est $0.61
+0.8%$681.4M
est $841.6M
−19.0%+1.4%
Jul 28, 2025$0.61
est $0.63
−3.1%$1.08B
est $801.8M
+35.0%+1.9%
Apr 28, 2025$0.68
est $0.59
+14.6%$1.06B
est $817.5M
+29.6%−1.9%
Jan 31, 2025$0.61
est $0.63
−2.2%——−0.7%
Oct 29, 2024$0.61
est $0.64
−4.7%$1.10B—−3.1%
Jul 31, 2024$0.68
est $0.65
+4.6%$1.12B—−0.5%
Apr 30, 2024$0.62
est $0.58
+7.2%$787.9M
est $821.8M
−4.1%−2.1%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

Banco De Chile stock forecast and analyst price targets

Analysts’ average 12-month price target for Banco De Chile is $39.86, −3.8% from the last close, from 2 firms rating the stock in the last 90 days.

$39.86consensus 12-month target, −3.8% from the last close
Buy0
Hold2
Sell0

Each firm’s latest rating in the last 90 days: 2 firms.

Latest analyst actions

DateFirmRatingTargetvs price
Aug 7J.P. MorganHold, maintained$45+8.6%
Aug 3Bank of America SecuritiesHold, maintained——
+2.1%average 20-day move after past Neutral readings
+1.0%average move over the next 20 trading days in the last 5 years
±2.1%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

Banco De Chile seasonality: the next 20 trading days

Over the next 20 trading days from Sep 29, Banco De Chile averaged +1.0% across the last 5 years, rising in 2 of them.

Next 20 trading days, by year

−5.6%2021+4.4%2022−2.8%2023−4.2%2024+13.0%2025

Average move and hit rate

WindowAverageYears higher
Next 5 trading days−1.2%2 of 5
Next 10 trading days−1.5%2 of 5
Next 15 trading days−0.2%2 of 5
Next 20 trading days+1.0%2 of 5
Next 30 trading days+5.5%4 of 5

For scale, BCH’s typical 20-trading-day move in either direction is about 4.7%.

Banco De Chile market cap and key statistics

Banco De Chile’s market cap is $20.94B, with a P/E ratio of 16.5 and revenue of $2.69T over the last twelve months.

Valuation

Market cap
$20.94B
P/E ratio
16.5
Forward P/E
15.2
EPS, TTM
$2.52
Gekko Fair Value
$40.82

Trading

Volume
179,387
Avg volume, 20 days
297,801
52-week high
$46.77
52-week low
$29.71
Shares outstanding
505.1M

Financials

Revenue, TTM
$2.69T
Profit margin
45.4%
Return on equity
21.6%
Quarterly earnings growth, YoY
+28.6%

Risk and income

Beta
0.07
Typical daily move
±2.1%
Typical 20-day move
±4.7%

Banco De Chile stock news this week

Coverage of Banco De Chile this week reads positive: 2 positive, 0 neutral and 1 negative headlines.

News sentiment positive

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In the Buying zone today

Reporting earnings this week

Popular on Gekko

Banco De Chile stock FAQ

What is Banco De Chile’s market cap?

Banco De Chile’s market cap is $20.94B at the Sep 28, 2026 close of $41.45, with 505.1M shares outstanding. The shares trade on a P/E ratio of 16.5.

What is the Banco De Chile stock forecast?

The consensus analyst 12-month price target for Banco De Chile is $39.86, −3.8% from the last close. Of the 2 firms that rated the stock in the last 90 days, 0 rate it a buy, 2 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.

Is Banco De Chile stock overvalued or undervalued?

On Gekko’s estimate Banco De Chile is about fair value: the Sep 28, 2026 close of $41.45 is 1.5% above Gekko Fair Value of $40.82. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does Banco De Chile report earnings next?

Banco De Chile is expected to report on Oct 29, 2026 (30 days away). Analysts expect earnings of $0.72 per share on revenue of $892.8M. Banco De Chile beat the earnings estimate in 4 of its last 8 reports, moving 1.9% on average across the report.

What is Banco De Chile’s 52-week high and low?

Banco De Chile’s 52-week high is $46.77 and its 52-week low is $29.71; it closed at $41.45 on Sep 28, 2026, +37.6% over the past year.

Is Banco De Chile stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 1 of the 5 items with data read as supportive (earnings risk), 4 as mixed (trend, gekkoindex, fair value and seasonality). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

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