Banco de Chile (NYSE:BCH) versus JSB Financial (OTCMKTS:JFWV) Head-To-Head Comparison

Banco de Chile (NYSE:BCHGet Free Report) and JSB Financial (OTCMKTS:JFWVGet Free Report) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, earnings, institutional ownership, analyst recommendations, risk, valuation and profitability.

Earnings and Valuation

This table compares Banco de Chile and JSB Financial’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Banco de Chile $5.30 billion N/A $1.65 billion $2.97 8.19
JSB Financial N/A N/A $3.00 million N/A N/A

Banco de Chile has higher revenue and earnings than JSB Financial.

Institutional and Insider Ownership

1.2% of Banco de Chile shares are held by institutional investors. Comparatively, 0.1% of JSB Financial shares are held by institutional investors. 5.9% of Banco de Chile shares are held by company 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 Ratings

This is a summary of recent ratings and recommmendations for Banco de Chile and JSB Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Banco de Chile 0 3 1 0 2.25
JSB Financial 0 0 0 0 N/A

Banco de Chile currently has a consensus price target of $22.00, indicating a potential downside of 9.58%. Given Banco de Chile’s higher possible upside, equities research analysts clearly believe Banco de Chile is more favorable than JSB Financial.

Profitability

This table compares Banco de Chile and JSB Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Banco de Chile 29.41% 23.65% 2.25%
JSB Financial N/A N/A N/A

Risk & Volatility

Banco de Chile has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500. Comparatively, JSB Financial has a beta of 0.44, indicating that its share price is 56% less volatile than the S&P 500.

Dividends

Banco de Chile pays an annual dividend of $1.24 per share and has a dividend yield of 5.1%. JSB Financial pays an annual dividend of $2.40 per share and has a dividend yield of 2.7%. Banco de Chile pays out 41.8% of its earnings in the form of a dividend. Banco de Chile has raised its dividend for 2 consecutive years. Banco de Chile is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Banco de Chile beats JSB Financial on 11 of the 13 factors compared between the two stocks.

About Banco de Chile

(Get Free Report)

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.

About JSB Financial

(Get Free Report)

JSB Financial Inc. operates as the bank holding company for Jefferson Security Bank that provides various banking products and services to individuals, agricultural businesses, small and medium-sized businesses, local government entities, and non-profit organizations. It accepts various deposit products, such as checking, savings, money market, individual retirement, overdraft protection, and sweep accounts, as well as certificates of deposit. The company's loan portfolio includes personal and vehicle, mortgage, construction, commercial, and home equity loans. It also offers ATM, online and mobile banking, bill pay, paperless statements, cash management, remote deposit capture, merchant, and credit and debit card services. The company was founded in 1869 and is headquartered in Shepherdstown, West Virginia.

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