Banco De ChileBCH +1.18%67 PB Ratio is 3.39 as of Jul. 09, 2026, which is 56% above its 10-year median of 2.18. GuruFocus rates BCH with a GF Score™ of 67/100 and a GF Value™ of $25.30 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 1,516 Banks companies, Banco De Chile ranks worse than 96.97% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-09), Banco De Chile's share price is $40.14. Banco De Chile's Book Value per Share for the quarter that ended in Mar. 2026 was $11.85. Hence, Banco De Chile's PB Ratio of today is 3.39.
Warning Sign:
Banco De Chile stock PB Ratio (=3.43) is close to 10-year high of 3.43.
The historical rank and industry rank for Banco De Chile's PB Ratio or its related term are showing as below:
BCH'
s PB Ratio Range Over the Past 10 Years
Min: 1.4 Med: 2.18 Max: 3.51
Current: 3.47
During the past 13 years, Banco De Chile's highest PB Ratio was 3.51. The lowest was 1.40. And the median was 2.18.
BCH's PB Ratio is ranked worse than 96.97% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs BCH: 3.47
During the past 12 months, Banco De Chile's average Book Value Per Share Growth Rate was 1.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Banco De Chile was 24.80% per year. The lowest was 3.70% per year. And the median was 9.50% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Banco De Chile PB Ratio Related Terms
Banco De Chile PB Ratio Historical Data
* Premium members only.
The historical data trend for Banco De Chile's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Banco De Chile's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banco De Chile PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Banco De Chile's PB Ratio distribution charts can be found below:
* The bar in red indicates where Banco De Chile's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Banco De Chile's PB Ratio for today is calculated as follows:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Banco De Chile (BCH) has a PB Ratio of 3.39 as of Jul. 09, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Banco De Chile and its competitors. This is 56% above median its historical median of 2.18. Over the past decade, Banco De Chile's PB Ratio has ranged from 1.40 to 3.51. According to the industry distribution chart, Banco De Chile ranks #1470 out of 1516 companies in the Banks industry, placing it in the top 97%.
Is Banco De Chile's PB Ratio too high?
Banco De Chile's current PB Ratio of 3.39 is 56% above median its 10-year median of 2.18. Over the past 10 years, this metric has ranged from a low of 1.40 to a high of 3.51. The Banks industry median PB Ratio is 1.09. Banco De Chile's value of 3.39 is 211% above this industry median. Based on the distribution chart, Banco De Chile ranks #1470 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banco De Chile has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco De Chile's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Banco De Chile ranks #1470 out of 1516 companies for PB Ratio. This places Banco De Chile in the lower half of its industry. The industry median PB Ratio is 1.09. Banco De Chile's value of 3.39 is 211% above this benchmark. Historically, Banco De Chile's own PB Ratio has ranged from 1.40 to 3.51 over the past decade. While the company's 10-year median is 2.18 vs. the industry median of 1.09, Banco De Chile has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco De Chile's current PB Ratio of 3.39 is 211% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Banco De Chile and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco De Chile's current PB Ratio is 3.39, which is 56% above median its own 10-year median of 2.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco De Chile stock overvalued right now?
Based on GuruFocus' analysis, Banco De Chile (BCH) is currently considered Significantly Overvalued. The stock's GF Value™ is $25.30, compared to a current price of $40.14 — trading 58.7% above its estimated fair value. The current PB Ratio is 3.39, which is 56% above median its 10-year median of 2.18 and 211% above the Banks industry median of 1.09. Banco De Chile's overall GF Score™ is 67/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Banco De Chile (BCH), the current PB Ratio is 3.39 as of Jul. 09, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Banco De Chile (BCH) Overvalued in 2026?
Based on GuruFocus' analysis, Banco De Chile stock appears to be overvalued.
The current stock price of $40.14 is trading 58.7% above its estimated GF Value™ of $25.30.
GuruFocus considers Banco De Chile to be Significantly Overvalued.
Key valuation signals for BCH:
PB Ratio: 3.39 (56% above median its 10-year median of 2.18)
GF Value™: $25.30 vs. price of $40.14 (58.7% above fair value)
Industry Position: 211% above the Banks median (#1470 of 1516)
No single metric tells the full story. See the BCH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Operating under three separate brand names (Banco de Chile, Banco Edwards-Citi, and Banco CrediChile), Banco de Chile is the second largest in the country by loans and third largest by deposits. Banco de Chile generates most of its net interest income (roughly 60% of total revenue) from its mortgage, unsecured consumer credit lines, and commercial loans, with 25% of its outstanding loans being made to firms with more than 10,000 million CLP in revenue. Outside of its banking business, Banco de Chile is the largest asset manager in the country and one of the largest security brokerages, supporting its substantial fee-based revenue.
67GF Score
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