RF vs. WF: Regions Financial vs. Woori Financial Stock Comparison

Company Profile

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

Regions Financial (RF) trades as ordinary local shares, while Woori Financial (WF) 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

Regions Financial (RF) trades around 9.26M shares per day on average, while Woori Financial (WF) sees only 85.96K — a volume gap that can matter for position sizing, exit liquidity, and order execution.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Regions Financial (RF) at 12.38% is around its peer norm for ROE, while Woori Financial (WF) at 7.93% 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 Woori Financial (WF) at 27.06% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Regions Financial (RF) in Banks and Woori Financial (WF) 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 Woori Financial (WF) at 5.30% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Regions Financial (RF) at 19.17% is around its peer norm for EPS growth, while Woori Financial (WF) at 2.58% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Regions Financial (RF) in Banks and Woori Financial (WF) 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 Woori Financial (WF) 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; Woori Financial (WF) at 1,108.19% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

Woori Financial (WF) at 32.85% 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

Woori Financial (WF) at 8.04 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 WF, though growth and earnings durability still matter.

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

Woori Financial (WF) at 0.63 sits in the lower P/B ratio quartile against book while Regions Financial (RF) at 1.46 is valued near its industry’s middle — WF is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics