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KB vs. RF: A Head-to-Head Stock Comparison

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Here’s a clear look at KB and RF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

KB trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, RF is a standard domestic listing.

SymbolKBRF
Company NameKB Financial Group Inc.Regions Financial Corporation
CountrySouth KoreaUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksBanks
Market Capitalization28.81 billion USD23.08 billion USD
ExchangeNYSENYSE
Listing DateNovember 13, 2001March 17, 1980
Security TypeADRCommon Stock

Historical Performance

This chart compares the performance of KB and RF by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

KB vs. RF: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolKBRF
5-Day Price Return-4.45%-0.73%
13-Week Price Return15.26%14.73%
26-Week Price Return30.05%7.53%
52-Week Price Return8.71%18.84%
Month-to-Date Return-1.26%2.09%
Year-to-Date Return32.09%9.95%
10-Day Avg. Volume0.93M14.73M
3-Month Avg. Volume1.23M10.73M
3-Month Volatility41.28%25.30%
Beta-0.011.07

Profitability

Return on Equity (TTM)

KB

9.84%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

KB’s Return on Equity of 9.84% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

RF

11.26%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

RF’s Return on Equity of 11.26% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

KB vs. RF: A comparison of their Return on Equity (TTM) against the Banks industry benchmark.

Net Profit Margin (TTM)

KB

10.66%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

Falling into the lower quartile for the Banks industry, KB’s Net Profit Margin of 10.66% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

RF

30.49%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

RF’s Net Profit Margin of 30.49% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

KB vs. RF: A comparison of their Net Profit Margin (TTM) against the Banks industry benchmark.

Operating Profit Margin (TTM)

KB

14.94%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

KB’s Operating Profit Margin of 14.94% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

RF

38.73%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

RF’s Operating Profit Margin of 38.73% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

KB vs. RF: A comparison of their Operating Profit Margin (TTM) against the Banks industry benchmark.

Profitability at a Glance

SymbolKBRF
Return on Equity (TTM)9.84%11.26%
Return on Assets (TTM)0.75%1.31%
Net Profit Margin (TTM)10.66%30.49%
Operating Profit Margin (TTM)14.94%38.73%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

KB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

RF

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

KB vs. RF: A comparison of their Current Ratio (MRQ) against the Banks industry benchmark.

Debt-to-Equity Ratio (MRQ)

KB

2.44

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

RF

0.18

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

KB vs. RF: A comparison of their Debt-to-Equity Ratio (MRQ) against the Banks industry benchmark.

Interest Coverage Ratio (TTM)

KB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

RF

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

KB vs. RF: A comparison of their Interest Coverage Ratio (TTM) against the Banks industry benchmark.

Financial Strength at a Glance

SymbolKBRF
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)2.440.18
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

KB vs. RF: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

KB vs. RF: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

KB

3.09%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

KB’s Dividend Yield of 3.09% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

RF

4.37%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

RF’s Dividend Yield of 4.37% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

KB vs. RF: A comparison of their Dividend Yield (TTM) against the Banks industry benchmark.

Dividend Payout Ratio (TTM)

KB

30.54%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

KB’s Dividend Payout Ratio of 30.54% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

RF

48.44%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

RF’s Dividend Payout Ratio of 48.44% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

KB vs. RF: A comparison of their Dividend Payout Ratio (TTM) against the Banks industry benchmark.

Dividend at a Glance

SymbolKBRF
Dividend Yield (TTM)3.09%4.37%
Dividend Payout Ratio (TTM)30.54%48.44%

Valuation

Price-to-Earnings Ratio (TTM)

KB

6.95

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

In the lower quartile for the Banks industry, KB’s P/E Ratio of 6.95 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

RF

11.08

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

RF’s P/E Ratio of 11.08 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

KB vs. RF: A comparison of their Price-to-Earnings Ratio (TTM) against the Banks industry benchmark.

Price-to-Sales Ratio (TTM)

KB

0.52

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

RF

1.92

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

KB vs. RF: A comparison of their Price-to-Sales Ratio (TTM) against the Banks industry benchmark.

Price-to-Book Ratio (MRQ)

KB

0.71

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

KB’s P/B Ratio of 0.71 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

RF

1.13

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

RF’s P/B Ratio of 1.13 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

KB vs. RF: A comparison of their Price-to-Book Ratio (MRQ) against the Banks industry benchmark.

Valuation at a Glance

SymbolKBRF
Price-to-Earnings Ratio (TTM)6.9511.08
Price-to-Sales Ratio (TTM)0.521.92
Price-to-Book Ratio (MRQ)0.711.13
Price-to-Free Cash Flow Ratio (TTM)11.208.71