Head-to-head analysis: Banco de Chile (NYSE:BCH) and Oxford Bank (OTCMKTS:OXBC)

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Bank of Oxford (OTCMKTS: OXBCGet a rating) and the Bank of Chile (NYSE: BCHGet a rating) are both finance companies, but which is the better stock? We’ll compare the two companies based on valuation strength, dividends, risk, profitability, analyst recommendations, earnings, and institutional ownership.

Profitability

This table compares the net margins, return on equity and return on assets of Oxford Bank and Banco de Chile.

Net margins Return on equity return on assets
Bank of Oxford N / A N / A N / A
Bank of Chile 49.07% 32.11% 2.74%

Valuation and benefits

This table compares the revenue, earnings per share (EPS) and valuation of Oxford Bank and Banco de Chile.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Bank of Oxford N / A N / A $10.56 million $3.05 9.67
Bank of Chile $3.33 billion 2.73 $1.24 billion $3.38 5.34

Banco de Chile has higher revenues and profits than Oxford Bank. Banco de Chile trades at a lower price-to-earnings ratio than Oxford Bank, indicating that it is currently the more affordable of the two stocks.

Institutional and insider ownership

4.6% of Oxford Bank shares are held by institutional investors. Comparatively, 0.9% of Banco de Chile’s shares are held by institutional investors. Strong institutional ownership indicates that hedge funds, large fund managers, and endowments believe a stock will outperform the market over the long term.

Risk and Volatility

Oxford Bank has a beta of 0.47, indicating that its stock price is 53% less volatile than the S&P 500. In comparison, Banco de Chile has a beta of 0.37, indicating that its stock price stock is 63% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent recommendations for Oxford Bank and Banco de Chile, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Bank of Oxford 0 0 0 0 N / A
Bank of Chile 0 4 3 0 2.43

Banco de Chile has a consensus target price of $23.67, suggesting a potential upside of 31.19%. Given Banco de Chile’s likely higher upside, analysts clearly believe that Banco de Chile is more favorable than Oxford Bank.

Summary

Banco de Chile beats Oxford Bank on 8 of the 11 factors compared between the two stocks.

About the Bank of Oxford

(Get a rating)

Oxford Bank Corporation provides banking products and services to various Michigan customers. Its deposit products include individual savings, checking and retirement accounts, as well as certificates of deposit. The Company’s loan portfolio includes mortgages, home loans, auto loans, student loans, term loans, small business commercial and administrative real estate loans, and lines of credit. It also offers cash management, merchant card, remote capture, payroll, overdraft protection, wire transfer, night deposit and notary services, as well as safe deposit and security services. ATM; online, telephone and mobile banking services; debit and credit cards; and insurance products. The company operates its branches in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford and Oakland. Oxford Bank Corporation was founded in 1884 and is based in Oxford, Michigan.

About Banco de Chile

(Get a rating)

Banco de Chile, together with its subsidiaries, provides banking and financial products and services to customers in Chile. It operates through retail banking, wholesale banking and cash and money market segments. The Company offers deposit products, such as checking accounts, current accounts, deposits and current accounts, savings accounts and term deposits; commercial, mortgage, consumer, working capital, syndicated and installment loans; and credit cards. It also provides leasing, factoring and foreign trade services; international banking and treasury services; and financial advisory services. In addition, the Company offers cash, debt instruments, derivative contracts and lease management services, as well as financial transaction and currency trading services; and securities brokerage, mutual fund management, wholesale clientele, banking and investment management services, and insurance brokerage. As of December 31, 2021, it operated through a network of 272 branches and 1,761 ATMs. The company serves individuals, small and medium enterprises, enterprises and large enterprises. Banco de Chile was founded in 1893 and is headquartered in Santiago, Chile.



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