Banco de Chile (NYSE:BCH) vs. First Republic Bank (OTCMKTS:FRCB) Head to Head Survey

First Republic Bank (OTCMKTS:FRCB) and Banco de Chile (NYSE:BCH) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, earnings, valuation, risk, profitability and dividends.

Volatility and Risk

First Republic Bank has a beta of 1.67, meaning that its share price is 67% more volatile than the S&P 500. Comparatively, Banco de Chile has a beta of 0.44, meaning that its share price is 56% less volatile than the S&P 500.

Dividends

First Republic Bank pays an annual dividend of $1.08 per share and has a dividend yield of 21,600.0%. Banco de Chile pays an annual dividend of $1.23 per share and has a dividend yield of 5.4%. Banco de Chile pays out 44.1% of its earnings in the form of a dividend.

Insider and Institutional Ownership

0.0% of First Republic Bank shares are held by institutional investors. Comparatively, 1.2% of Banco de Chile shares are held by institutional investors. 0.7% of First Republic Bank shares are held by company insiders. Comparatively, 5.9% of Banco de Chile shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares First Republic Bank and Banco de Chile’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Republic Bank	N/A	N/A	N/A
Banco de Chile	30.00%	22.69%	2.30%

Valuation & Earnings

This table compares First Republic Bank and Banco de Chile”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Republic Bank	$6.75 billion	0.00	$1.67 billion	N/A	N/A
Banco de Chile	$3,122.66 billion	0.00	$1.65 billion	$2.79	8.11

First Republic Bank has higher earnings, but lower revenue than Banco de Chile.

Analyst Ratings

This is a breakdown of recent ratings and target prices for First Republic Bank and Banco de Chile, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Republic Bank	0	0	0	0	0.00
Banco de Chile	0	1	0	0	2.00

Banco de Chile has a consensus price target of $21.00, indicating a potential downside of 7.24%. Given Banco de Chile’s stronger consensus rating and higher probable upside, analysts plainly believe Banco de Chile is more favorable than First Republic Bank.

Summary

Banco de Chile beats First Republic Bank on 9 of the 13 factors compared between the two stocks.

About First Republic Bank

As of May 1, 2023, First Republic Bank went out of business. Previously, First Republic Bank provided private banking, private business banking, and private wealth management services to clients in metropolitan areas in the United States. The company was founded in 1985 and was headquartered in San Francisco, California. First Republic Bank now trades on OTCPK.

About Banco de Chile

Banco de Chile, together with its subsidiaries, provides various banking services to customers in Chile. The company offers checking and debit accounts, debit and credit cards, and lines of credit; mortgage, consume, commercial, general purpose mortgage loans, and finance leases; and factoring services, mutual fund management, stock brokerage, foreign trade, payments and collections, insurance brokerage, including life and general insurance, as well as time deposits, savings instruments, and foreign currency services through branches under the Banco de Chile and Banco Edwards brands. It also provides working capital loans, corporate credit cards, foreign currency brokerage, leasing and long-term syndicated loans, advisory services for mergers acquisitions and debt restructuring; cash management services, including payment and collection services; and international fund transfer networks, current account and deposit products, fund administration, and treasury management. In addition, the company offers insurance brokerage, derivative contracts, transactional banking, financial risks coverage, representation and asset custody, investment banking and management, capital markets products, foreign exchange transactions; and advisory services for initial public offerings, capital increases, sales and purchases of blocks of shares, private capital placements, public share tenders, company valuations, bond issuances, and syndicated loans services. Further, it provides foreign exchange brokerage, forward contracts, interest rate swaps, repurchase agreements, and other investment products based on bonds, mortgage bonds and deposits. The company serves individuals, small and medium-sized companies, corporate clients, and large companies, real estate and construction, and high net worth family office customers. Banco de Chile was founded in 1893 and is headquartered in Santiago, Chile.