Banco de Chile (NYSE:BCH) & First Republic Bank (OTCMKTS:FRCB) Head-To-Head Contrast

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

Institutional and Insider Ownership

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

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for First Republic Bank and Banco de Chile, as reported by MarketBeat.

	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 target price of $21.00, indicating a potential downside of 9.29%. Given Banco de Chile’s stronger consensus rating and higher possible upside, analysts clearly believe Banco de Chile is more favorable than First Republic Bank.

Risk and Volatility

First Republic Bank has a beta of 1.67, indicating that its stock price is 67% more volatile than the S&P 500. Comparatively, Banco de Chile has a beta of 0.44, indicating that its stock 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 30,000.0%. Banco de Chile pays an annual dividend of $1.23 per share and has a dividend yield of 5.3%. Banco de Chile pays out 44.1% of its earnings in the form of a dividend.

Earnings & Valuation

This table compares First Republic Bank and Banco de Chile”s top-line revenue, earnings per share 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	8.30

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

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%

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.