Loading…
Regional bank holding company owning Busan Bank and Kyongnam Bank, serving southeastern Korean regional banking markets.
Regional bank holding company owning Busan Bank and Kyongnam Bank, serving southeastern Korean regional banking markets.
Earns the spread between loan yields and the cost of regional deposits, mostly through Busan Bank and Kyongnam Bank, with a capital arm lending to consumers and small firms. Its business is tied to the economy of Busan and Gyeongnam.
Moat: narrow (regulatory licence, distribution). Entrenched regional deposit franchises in Korea's Busan/Gyeongnam industrial belt.
Headquarters: Busan, South Korea · Employees: 121
Size BNK Financial (138930.KS) is a South Korea Financials company (Regional Banks) with a market value of $2.88B, the 102nd largest of 495 South Korea companies the cockpit tracks. Shares closed at ₩12,900 on 6 Nov 2026.
Performance Over six months the shares fell 30.5%, against +1.0% for the median peer and -24.5% for the South Korea market (cap-weighted) — lowest of 21 in its peer set.
Growth Revenue grew 10.3% over the last twelve months (peer median +0.9%); the operating margin is 9.0% (peer median 36.7%).
Valuation It trades at 0.39× book value against a peer median of 1.07× (3rd cheapest of 21).
Next results Next results expected around 10 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₩9.23T | ₩7.98T | ₩8.39T | ₩8.03T | ₩6.12T |
| Revenue growth | — | -5% | +5% | +31% | — |
| Net income | ₩657B | ₩790B | ₩696B | ₩614B | ₩755B |
| Free cash flow | n/a | ₩486B | ₩2.57T | ₩2.10T | ₩2.30T |
| Capital expenditure | n/a | ₩175B | ₩173B | ₩182B | ₩176B |
| Total debt | n/a | ₩28.4T | ₩26.2T | ₩22.6T | ₩20.7T |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| BNK Financial 138930.KS | $2.88B | -31% | +10% | 8% | 0.39× | 4.1% |
| JB Financial 175330.KS | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% |
| iM Financial 139130.KS | $1.76B | -20% | +24% | 8% | 0.46× | 4.2% |
| KBFinancialGroup 105560.KS | $37.5B | -5% | +32% | 10% | 0.99× | 5.6% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 138930.KS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -16.7% | +1.0% | 2nd lowest of 21 |
| 6-month return | -30.5% | +1.0% | lowest of 21 |
| Return on equity | 7.8% | 9.2% | 8th lowest of 21 |
| Price / book | 0.39× | 1.07× | 3rd cheapest of 21 |
| ROE the price implies | 4.1% | 8.4% | 5th least demanding of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| BNK Financial 138930.KS | South Korea | $2.88B | -31% | +10% | 8% | 0.39× | 4.1% | n/a |
| Banc of California BANC | United States | $2.86B | -6% | -14% | 0% | 1.00× | 8.6% | -0.3% |
| Valiant VATN.SW | Switzerland | $2.93B | -9% | -11% | 6% | 0.86× | n/a | 5.8% |
| Customers Bancorp CUBI | United States | $2.82B | +10% | +8% | 14% | 1.29× | 14.7% | 13.6% |
| Union Bank of Taiwan 2838.TW | Taiwan | $2.75B | +2% | -9% | 8% | 1.06× | 3.7% | 8.5% |
| Cembra Money Bank CMBN.SW | Switzerland | $3.03B | -9% | -3% | 15% | 1.93× | 4.1% | 14.7% |
| Bank of Hawaii BOH | United States | $2.73B | -13% | +1% | 14% | 1.84× | 13.0% | 13.6% |
| Suruga Bank 8358.T | Japan | $2.73B | +10% | +13% | 14% | 1.32× | 8.2% | 13.7% |
| First Hawaiian FHB | United States | $3.04B | -9% | +1% | 10% | 1.08× | 9.3% | 9.9% |
| Weihai Bank 9677.HK | Hong Kong | $2.70B | +5% | +6% | 9% | 0.64× | 4.5% | 9.2% |
| First Bancorp FBNC | United States | $2.67B | +10% | +14% | 10% | 1.56× | 12.2% | 9.9% |
| Xiamen Bank 601187.SS | China | $2.67B | -13% | 0% | 10% | 0.63× | 3.2% | 10.0% |
| Walliser Kantonalbank WKBN.SW | Switzerland | $3.15B | +4% | -12% | 5% | 1.50× | n/a | 5.3% |
| Dongguan Rural Commercial Bank 9889.HK | Hong Kong | $2.63B | -14% | 0% | 7% | 0.29× | 3.7% | 6.6% |
| UCO Bank UCOBANK.NS | India | $3.17B | -13% | +1% | 9% | 0.86× | 13.6% | n/a |
| Bank of Guiyang 601997.SS | China | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% | 6.9% |
| Trustmark TRMK | United States | $2.58B | 0% | -4% | 11% | 1.25× | 9.6% | 11.2% |
| Beacon Financial BBT | United States | $2.57B | +6% | +74% | 9% | 1.02× | 7.9% | 9.1% |
| Banner BANR | United States | $2.55B | +7% | +2% | 10% | 1.20× | 10.1% | 10.0% |
| Seacoast Banking Corporation of Florida SBCF | United States | $3.24B | +8% | +29% | 7% | 1.25× | 10.9% | 6.8% |
| North Pacific Bank 8524.T | Japan | $2.50B | +8% | +25% | 7% | 1.02× | 8.1% | 7.1% |