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Banco De Chile (BCH) vs First Citizens BancShares, Inc. (FCNCA)

Banco De Chile and First Citizens BancShares, Inc. are both Banks Regional companies. First Citizens BancShares, Inc. is the larger, with a market value of $25.5B against $19.6B — 1.3× the size. First Citizens BancShares, Inc. trades at the lower P/E: 12.3× against 14.0×. Banco De Chile grew revenue faster over the last twelve months: 7.80% against −1.26%. Banco De Chile has the higher net margin (27.0% vs 15.7%) and the higher return on invested capital (11.1% vs 7.30%). Only First Citizens BancShares, Inc. pays a dividend (0.36%). Across the 19 metrics below, First Citizens BancShares, Inc. leads on 11 and Banco De Chile on 8.

Valuation

Metric BCH FCNCA Banks Regional median
P/E 13.99 12.33 12.02
P/S 3.82 1.84 2.36
P/B 3.07 1.32 1.23
Price to free cash flow 64.34 10.64 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.15% 8.11% 8.21%
Free cash flow yield 1.55% 9.40% 9.23%

Profitability

Metric BCH FCNCA Banks Regional median
Gross margin 70.99% 66.51% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.99% 15.69% 18.82%
Free cash flow margin 5.94% 17.31% 17.97%
Return on equity 22.97% 10.92% 10.28%
Return on assets 2.37% 0.97% 1.13%
Return on invested capital 11.14% 7.30% 8.45%

Growth

Metric BCH FCNCA Banks Regional median
Revenue growth (TTM) 7.80% (1.26%) 6.37%
EPS growth (last fiscal year) (3.64%) (12.76%) 18.85%
Revenue growth, 5-year CAGR 6.52% 49.21% 12.65%
Net income growth, 5-year CAGR 18.24% 35.07% 9.81%

Health

Metric BCH FCNCA Banks Regional median
Debt to equity 1.92 1.46 0.17
Current ratio 1.55 1.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCH FCNCA Banks Regional median
Dividend yield 0.00% 0.36% 2.49%
Payout ratio 0.00 0.04 0.29

Size

Metric BCH FCNCA Banks Regional median
Market cap 19.57b 25.53b 934.85m

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