Regions Financial Corporation (RF) vs Woori Bank (WF)

Regions Financial Corporation and Woori Bank are both Banks Regional companies. Regions Financial Corporation is the larger, with a market value of $23.2B against $18.8B — 1.2× the size. Woori Bank trades at the lower P/E: 9.0× against 11.1×. Woori Bank grew revenue faster over the last twelve months: 17.8% against 0.46%. Regions Financial Corporation has the higher net margin (22.5% vs 11.4%) and the lower return on invested capital (13.1% vs 101.3%). Both pay a dividend; Woori Bank yields more (8.01% vs 5.20%). Across the 20 metrics below, Woori Bank leads on 13 and Regions Financial Corporation on 7.

Valuation

Metric RF WF Banks Regional median
P/E 11.14 8.99 12.15
P/S 2.47 1.00 2.37
P/B 1.34 0.66 1.21
Price to free cash flow 14.38 3.37 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.91 (0.42) 2.27
Earnings yield 8.98% 11.12% 8.11%
Free cash flow yield 6.95% 29.68% 8.98%

Profitability

Metric RF WF Banks Regional median
Gross margin 79.61% 54.19% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.47% 11.44% 18.66%
Free cash flow margin 17.14% 29.57% 21.18%
Return on equity 12.33% 8.08% 10.64%
Return on assets 1.34% 0.53% 1.13%
Return on invested capital 13.08% 101.28% 8.33%

Growth

Metric RF WF Banks Regional median
Revenue growth (TTM) 0.46% 17.84% 6.61%
EPS growth (last fiscal year) 19.17% (1.61%) —
Revenue growth, 5-year CAGR 7.62% 10.82% 12.30%
Net income growth, 5-year CAGR 15.77% 11.33% 9.71%

Health

Metric RF WF Banks Regional median
Debt to equity 0.24 0.99 0.22
Current ratio 0.81 1.16 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric RF WF Banks Regional median
Dividend yield 5.20% 8.01% 3.75%
Payout ratio 0.34 0.29 0.27

Size

Metric RF WF Banks Regional median
Market cap 23.22b 18.76b 921.07m

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