Banco De Chile (BCH) vs Regions Financial Corporation (RF)

Banco De Chile and Regions Financial Corporation are both Banks Regional companies. Regions Financial Corporation is the larger, with a market value of $23.2B against $21.0B — 1.1× the size. Regions Financial Corporation trades at the lower P/E: 11.1× against 15.9×. Banco De Chile grew revenue faster over the last twelve months: 3.23% against 0.46%. Banco De Chile has the higher net margin (27.1% vs 22.5%) and the lower return on invested capital (10.7% vs 13.1%). Both pay a dividend; Banco De Chile yields more (8.00% vs 5.20%). Across the 19 metrics below, Regions Financial Corporation leads on 12 and Banco De Chile on 7.

Valuation

Metric BCH RF Banks Regional median
P/E 15.92 11.14 12.15
P/S 4.21 2.47 2.37
P/B 3.37 1.34 1.21
Price to free cash flow n/m 14.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.95 1.91 2.27
Earnings yield 6.28% 8.98% 8.11%
Free cash flow yield (7.30%) 6.95% 8.98%

Profitability

Metric BCH RF Banks Regional median
Gross margin 70.64% 79.61% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 27.13% 22.47% 18.66%
Free cash flow margin (30.75%) 17.14% 21.18%
Return on equity 21.99% 12.33% 10.64%
Return on assets 2.29% 1.34% 1.13%
Return on invested capital 10.72% 13.08% 8.33%

Growth

Metric BCH RF Banks Regional median
Revenue growth (TTM) 3.23% 0.46% 6.61%
EPS growth (last fiscal year) 9.17% 19.17% —
Revenue growth, 5-year CAGR 6.52% 7.62% 12.30%
Net income growth, 5-year CAGR 18.24% 15.77% 9.71%

Health

Metric BCH RF Banks Regional median
Debt to equity 1.94 0.24 0.22
Current ratio 1.51 0.81 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCH RF Banks Regional median
Dividend yield 8.00% 5.20% 3.75%
Payout ratio 0.65 0.34 0.27

Size

Metric BCH RF Banks Regional median
Market cap 20.96b 23.22b 921.07m

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