Banco de Chile (BCH) Fair Value 2026

BCH · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.1 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-28, Banco de Chile (BCH) trades at $41.63, versus a $48.23 median fair value across its 5 active models — 15.9% above the current price. QOC: 8.1/10. Value Trap Risk: 12/100 (SAFE). 5/13 models active.

Key Facts

Ticker
BCH
Price
$41.63
Quality Score
8.1/10
Value Trap Risk
12/100
Models Active
5/13
Last Updated
Strength: Markov DDM suggests +107.0% upside with 29% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Banco de Chile (BCH) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Banco de Chile (BCH) appears undervalued as of : the median of 5 independent fair value estimates is $48.23, 15.9% above the current price of $41.63. Estimates range from $26.63 to $86.15. BCH scores 8.1/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. BCH’s +15.9% gap is narrower than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Banco de Chile Stock in 2026? →

What Fair Value Does Each Model Give BCH?

5 Intrinsic Value Models vs. Current Price ($41.63)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $59.37 +42.6%
Intrinsic · Medium Conviction
 $86.15 +107.0%
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What Is BCH's Fair Value Range?

Spread across 5 independent models · $26.63 to $86.15

CirclFi's 5 active models place Banco de Chile (BCH) between $26.63 and $86.15 per share, a spread of 123% of the median. The median of that range — $48.23 — is the fair value CirclFi publishes for BCH, against a current price of $41.63.

Low · FTNNHigh · Markov DDM
$26.63median $48.23$86.15
Where the range comes from
Most bearish modelFTNN Topology$26.63
Most bullish modelMarkov DDM$86.15
Model agreement4 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for BCH. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on BCH, not a CirclFi price target. How each model works →

What Is Banco de Chile (BCH) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Banco de Chile's intrinsic value is estimated at a median fair value of $48.23. At a current market price of $41.63, 4 of 5 active valuation models identify upside potential, projecting a median implied return of +15.9%. Notably, Markov DDM sees the most upside at +107.0% (fair value: $86.15), while FTNN is the most conservative at -36.0% ($26.63). The spread between these extremes — +143.0% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About BCH?

5 of 13 models are currently active for BCH. Of these, 4 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for BCH is $48.23 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does BCH Rank in Banks - Regional?

Among 352 Banks - Regional stocks, BCH ranks #164 by Quality of Company score. CirclFi's QOC score of 8.1/10 evaluates 32 fundamental signals. A score of 8.1 places BCH in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Banco de Chile competes in an environment where non-performing loan ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is BCH a Value Trap?

CirclFi's Value Trap algorithm assigns BCH a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Banco de Chile. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Banco de Chile's fundamental quality profile registers 8.1/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +143.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BCH valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BCH's 5 active models, average confidence is 19%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Banco de Chile Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

PGCPeapack-Gladstone Financial CorporationQOC 8.1KEYKeyCorpQOC 8.0COSOCoastalSouth Bancshares, Inc.QOC 8.1FFBCFirst Financial Bancorp.QOC 8.0CBKMConsumers Bancorp, Inc.QOC 8.1INDBIndependent Bank Corp.QOC 8.0MNSBMainStreet Bancshares, Inc.QOC 7.5BSPABallston Spa Bancorp, Inc.QOC 5.3AMTBAmerant Bancorp Inc.QOC 8.4STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: PGC · KEY · COSO · FFBC · CBKM · INDB · MNSB · BSPA · AMTB · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to BCH?

6 companies across all industries closest to BCH’s Quality of Company score of 8.1/10.

APAAPA CorporationQOC 8.1MSGEMadison Square Garden Entertainment Corp.QOC 8.1EDUNew Oriental Education & Technology Group Inc.QOC 8.1AVNTAvient CorporationQOC 8.1KNSAKiniksa Pharmaceuticals International, plcQOC 8.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: APA · MSGE · EDU · AVNT · KNSA · NVDA

Where Does BCH Sit in CirclFi's Banks - Regional Rankings?

BCH is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Banco de Chile’s Valuation?

What is Banco de Chile's intrinsic value in 2026?

CirclFi puts Banco de Chile (BCH)'s intrinsic value at $48.23 — the median of 5 independent model estimates as of 2026-08-28, ranging from $26.63 to $86.15. The Quality of Company score is 8.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BCH overvalued or undervalued right now?

At $41.63, 4 of 5 active models suggest BCH may be undervalued, while 1 indicate potential overvaluation. The median of all 5 fair value estimates is $48.23, 15.9% above the current price of $41.63 — a consensus view that BCH is undervalued. The assessment depends on which methodology best fits Banco de Chile's business model in Banks - Regional.

What does a Quality of Company score of 8.1 mean for BCH?

Banco de Chile's QOC of 8.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on BCH?

CirclFi analyzes BCH with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on BCH?

Of the 5 models currently active on BCH, Markov DDM is the most bullish at $86.15 per share, and FTNN Topology is the most bearish at $26.63. CirclFi's published fair value for BCH is the median of that range, $48.23, not either extreme. The gap between the two ends equals 123% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is BCH a value trap in 2026?

Banco de Chile's Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Banco de Chile (BCH) has a median fair value of $48.23 — 15.9% above the current price of $41.63 — as of 2026-08-28.” Source: circlfi.com/stock/BCH/ · Methodology
Primary sources for this BCH valuation
  • Financial statements: Banco de Chile 10-K and 10-Q filings on SEC EDGAR (CIK 0001161125) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for BCH as of ; valuations recomputed .

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