Banco De Chile (NYSE:BCH) & RBB Bancorp (RBB) Head-To-Head Survey

RBB Bancorp (NASDAQ: RBB) and Banco De Chile (NYSE:BCH) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, earnings, dividends, profitability, valuation and risk.

Analyst Recommendations

This is a summary of current ratings and price targets for RBB Bancorp and Banco De Chile, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
RBB Bancorp 0 0 3 0 3.00
Banco De Chile 0 3 1 0 2.25

RBB Bancorp currently has a consensus price target of $27.50, indicating a potential upside of 2.31%. Banco De Chile has a consensus price target of $84.00, indicating a potential downside of 18.22%. Given RBB Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe RBB Bancorp is more favorable than Banco De Chile.

Valuation & Earnings

This table compares RBB Bancorp and Banco De Chile’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
RBB Bancorp $77.15 million 5.50 $19.07 million N/A N/A
Banco De Chile $3.62 billion 4.74 $857.77 million $5.12 20.07

Banco De Chile has higher revenue and earnings than RBB Bancorp.

Dividends

RBB Bancorp pays an annual dividend of $0.08 per share and has a dividend yield of 0.3%. Banco De Chile pays an annual dividend of $2.12 per share and has a dividend yield of 2.1%. Banco De Chile pays out 41.4% of its earnings in the form of a dividend. RBB Bancorp has raised its dividend for 6 consecutive years.

Institutional and Insider Ownership

23.8% of RBB Bancorp shares are held by institutional investors. Comparatively, 1.4% of Banco De Chile shares are held by institutional investors. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares RBB Bancorp and Banco De Chile’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
RBB Bancorp N/A N/A N/A
Banco De Chile 24.17% 18.18% 1.74%

Summary

RBB Bancorp beats Banco De Chile on 7 of the 13 factors compared between the two stocks.

RBB Bancorp Company Profile

RBB Bancorp (the Bank) is a bank holding company with the principal business to serve as the holding company for its wholly-owned banking subsidiaries, including Royal Business Bank (Bank) and RBB Asset Management Company (RAM). The Company operates Royal Business Bank, which is a California state-chartered commercial bank. The Bank is focused on providing commercial banking services. The Bank’s offerings include traditional commercial real estate loans, secured commercial and industrial loans, and trade finance services for companies doing business in China, Taiwan and other Asian countries. The non-qualified single-family residential mortgage loans, small business administration loans. As of March 31, 2017, the Company had total consolidated assets of $1.5 billion, total consolidated deposits of $1.2 billion and total consolidated shareholders equity of $183.5 million.

Banco De Chile Company Profile

Banco de Chile is a full service financial institution, which is engaged in providing credit and non-credit products and services in Chile. The Bank offers a range of banking services to its customers, ranging from individuals to corporations. The Bank’s segments include Retail, which focuses on individuals and small and medium-sized companies, where the product offering focuses on consumer loans, commercial loans, checking accounts, credit cards, credit lines and mortgage loans; Wholesale, which focuses on corporate clients and companies, where the product offering focuses on commercial loans, checking accounts and liquidity management services, debt instruments, foreign trade, derivative contracts and leases; Treasury, which includes the associated revenues to the management of the investment portfolio and the business of financial transactions and currency trading, and Subsidiaries, which corresponds to companies and corporations controlled by the Bank.

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