RF vs. SHG: Regions Financial vs. Shinhan Financial Stock Comparison

Company Profile

Regions Financial (RF) and Shinhan Financial (SHG) both belong to the Banks industry, though RF is classified under Regional Banks while SHG falls under Diversified Banks.

Regions Financial (RF) trades as ordinary local shares, while Shinhan Financial (SHG) 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

Regions Financial (RF) at 12.38% is around its peer norm for ROE, while Shinhan Financial (SHG) at 8.94% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Regions Financial (RF) at 31.29% keeps about the industry-typical share of revenue as profit, while Shinhan Financial (SHG) at 26.15% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Regions Financial (RF) in Banks and Shinhan Financial (SHG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Regions Financial (RF) at 6.25% is around its peer norm for revenue growth, while Shinhan Financial (SHG) at 4.66% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Regions Financial (RF) at 19.17% and Shinhan Financial (SHG) at 16.24% 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: Regions Financial (RF) in Banks and Shinhan Financial (SHG) 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: Regions Financial (RF) in Banks and Shinhan Financial (SHG) 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

Regions Financial (RF) at 3.85% earns its spot in the top quartile of its industry’s yields; Shinhan Financial (SHG) at 4,638.28% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

Shinhan Financial (SHG) at 25.22% pays out a band-typical share of earnings, while Regions Financial (RF) at 43.27% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Shinhan Financial (SHG) at 7.98 sits in the cheaper P/E ratio quartile, while Regions Financial (RF) at 11.10 is closer to its industry’s usual earnings multiple — a discount for SHG, though growth and earnings durability still matter.

P/S ratio is set aside for both Regions Financial (RF) in Banks and Shinhan Financial (SHG) 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.

Shinhan Financial (SHG) at 0.66 sits in the lower P/B ratio quartile against book while Regions Financial (RF) at 1.46 is valued near its industry’s middle — SHG is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics