KB vs. MTB: KB Financial vs. M&T Bank Stock Comparison

Company Profile

KB Financial (KB) and M&T Bank (MTB) both belong to the Banks industry, though KB is classified under Diversified Banks while MTB falls under Regional Banks.

M&T Bank (MTB) trades as ordinary local shares, while KB Financial (KB) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Capital efficiency shows on one side only: M&T Bank (MTB) earns 10.60% on shareholders’ equity, ranked against its industry; KB Financial (KB) has no ROE this period.

M&T Bank (MTB) at 31.87% keeps about the industry-typical share of revenue as profit, while KB Financial (KB) at 17.25% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for KB Financial (KB) in Banks and M&T Bank (MTB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both KB Financial (KB) at 5.61% and M&T Bank (MTB) at 4.34% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Both KB Financial (KB) at 27.83% and M&T Bank (MTB) at 16.12% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: KB Financial (KB) in Banks and M&T Bank (MTB) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: KB Financial (KB) in Banks and M&T Bank (MTB) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

M&T Bank (MTB) at 2.73% pays an industry-typical yield; KB Financial (KB) at 1,434.96% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Both KB Financial (KB) at 26.89% and M&T Bank (MTB) at 31.35% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

KB Financial (KB) at 9.55 sits in the cheaper P/E ratio quartile, while M&T Bank (MTB) at 11.38 is closer to its industry’s usual earnings multiple — a discount for KB, though growth and earnings durability still matter.

P/S ratio is set aside for both KB Financial (KB) in Banks and M&T Bank (MTB) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

M&T Bank (MTB) at 1.24 sits near its industry’s typical P/B ratio, while KB Financial (KB) at 3.68 prices above its benchmark range — KB looks rich relative to book.

Valuation Metrics