COMPARE · Data as of August 28, 2026
BCH vs PFS
Verdict: Side-by-side breakdown using the Bull Rankings model. BCH scored 64.0, PFS scored 83.0 — PFS leads.
Compare another set
Different reporting periods. PFS's fundamentals are as of June 2026, but BCH's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
BCH
Banco de Chile
84.7Fin
$41.70 · $21.1B
fundamentals as of
Strength gap
12.9
BCH leads
PFS
Provident Financial Services, Inc.
71.8Fin
$23.56 · $3.1B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestPFS9.8x
- Fastest growthPFS+25.3%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
BCH
PFS
-1.6%D+
Rev
+25.3%A-
15.8xC+
P/E
9.8xA-
21.6%A-
ROE
11.1%B
0.74A
P/B
1.06A-
5.3%A-
Yield
4.1%B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
BCHBanco de Chile
Why now
Banks - Regional · market cap $21.1b. 11% off the 52-week high of $46.77. 12 sell-side analysts rate this a Hold with a mean 1-yr target of $39.88 (implying -4% upside).
Moat
Net margin 45% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 22% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Dividend payout 85% of earnings on a 5.3% yield — distribution coverage is thin; one earnings stumble could force a dividend cut. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
PFSProvident Financial Services, Inc.
Why now
Banks - Regional · market cap $3.1b. 8% off the 52-week high of $25.49. Revenue growing +25% — in hypergrowth territory. 6 sell-side analysts publish a mean 1-yr target of $27.92 (implying +18% upside).
Moat
Net margin 35% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 11% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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