Who are iM Financial's main competitors?

Named competitors: BNK Financial Group (138930.KS), JB Financial Group (175330.KS). The cockpit's measured peer set (industry) also includes FirstSun Capital Bancorp (FSUN), Hyakujushi Bank (8386.T), Inter & (INTR), Happen (HAPN), Hope Bancorp (HOPE), CHINA BOHAI BANK (9668.HK).

Is iM Financial expensive compared with its peers?

On price / book it trades at 0.46× against a peer median of 1.02×, 2nd cheapest of 21 in its peer set.

How has iM Financial stock performed?

Over six months to 6 Nov 2026 the shares returned -20.2% against +6.2% for the median peer; over one year +16.1%.

← CockpitCompetitor Analysis › 139130.KS iM Financial GroupOpen in the cockpit ↗

iM Financial Group139130.KSCompetitor analysis, valuation and peers

South Korea · KRW·Financials›Major Banks

Regional bank holding company owning iM Bank (formerly Daegu Bank), based in Korea's Daegu/Gyeongbuk region.

Momentum strong 60

Competitor Analysis ▸ Charts Open in the cockpit

Mkt cap

$1.76B

US dollars, full cap

Free float

87%

of shares outstanding

$/day

$6.63M

20-day average traded

P/B

0.46×

price to book

ROE

7.8%

delivered

Implied ROE

4.2%

what the price asks

Next earnings

91 days

5 Feb 2027

Close · KRW₩15,240

1D-2.2%

1W-3.4%

1M-15.3%

3M-11.7%

6M-20.2%

YTD+1.5%

1Y+16.1%

ATR %4.1%

52w lowhigh28.3% off high

What iM Financial does

Regional bank holding company owning iM Bank (formerly Daegu Bank), based in Korea's Daegu/Gyeongbuk region.

Earns mainly the interest spread at iM Bank, a former regional bank that now holds a nationwide commercial-bank licence, so it can open branches nationwide, with securities and capital units adding fees. Daegu and North Gyeongsang still supply most deposits and loans.

Products and services

iM Bank
Securities/capital affiliates

Customers

Regional retail depositors
Local SMEs

Where it sits in the supply chain

Financial services
Regional retail/SME banking
Bank holding company

What could go right

Conversion to nationwide commercial-bank license
Regional loan growth

What could go wrong

Regional economic concentration risk
Net-interest-margin sensitivity to rates

Moat: narrow (regulatory licence, distribution). Entrenched regional deposit franchise in the Daegu/Gyeongbuk area.

Headquarters: Daegu, South Korea · Employees: 143

Named competitors

BNK Financial Group 138930.KS
JB Financial Group 175330.KS

iM Financial at a glance

Size iM Financial (139130.KS) is a South Korea Financials company (Major Banks) with a market value of $1.76B, the 151st largest of 495 South Korea companies the cockpit tracks. Shares closed at ₩15,240 on 6 Nov 2026.

Performance Over six months the shares fell 20.2%, against +6.2% for the median peer and -24.5% for the South Korea market (cap-weighted) — 4th lowest of 20 in its peer set.

Growth Revenue grew 24.5% over the last twelve months (peer median +4.1%); the operating margin is 9.4% (peer median 32.6%).

Valuation It trades at 0.46× book value against a peer median of 1.02× (2nd cheapest of 21).

Next results Next results expected around 5 Feb 2027 (exchange calendar; dates can move).

Relative performance

Six months, rebased to 100: iM Financial against the median of its 20 peers (local-currency closes).

iM Financial financials

Reported figures in KRW; fiscal year ends 2025-12-31. TTM = trailing twelve months.
	TTM	FY2025	FY2024	FY2023	FY2022
Revenue	₩6.01T	₩4.40T	₩5.10T	₩4.97T	₩3.82T
Revenue growth	—	-14%	+3%	+30%	—
Net income	₩406B	₩408B	₩186B	₩366B	₩392B
Free cash flow	n/a	₩1.26T	₩1.11T	₩559B	-₩648B
Capital expenditure	n/a	₩70.4B	₩86.0B	₩81.9B	₩104B
Total debt	n/a	₩21.9T	₩18.4T	₩21.0T	₩21.3T

Quarterly statements and history in the cockpit →

iM Financial competitor charts

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.

Performance: 6-month against 1-month return

Up and to the right = strong over both horizons. iM Financial is the large dot.

Fundamentals: return on equity against price-to-book

A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. iM Financial is the large dot.

iM Financial competitors and peer comparison

Head to head with its named competitors (139130.KS vs 138930.KS vs 175330.KS)
Company	Market cap	6M return	Revenue growth	ROE	Price / book	Implied ROE
iM Financial 139130.KS	$1.76B	-20%	+24%	8%	0.46×	4.2%
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%

How iM Financial compares with its peers

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.

iM Financial against its 20 peers (data as of 6 Nov 2026)
Measure	139130.KS	Peer median	Rank in peer set
1-month return	-15.3%	0.0%	3rd lowest of 21
6-month return	-20.2%	+6.2%	4th lowest of 20
Return on equity	7.8%	10.6%	9th lowest of 21
Price / book	0.46×	1.02×	2nd cheapest of 21
ROE the price implies	4.2%	9.1%	3rd least demanding of 21

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
Company	Market	Market cap	6M return	Revenue growth	ROE	Price / book	Implied ROE	Delivered ROE
iM Financial 139130.KS	South Korea	$1.76B	-20%	+24%	8%	0.46×	4.2%	n/a
FirstSun Capital Bancorp FSUN	United States	$1.77B	+5%	+45%	4%	0.98×	6.3%	4.2%
Hyakujushi Bank 8386.T	Japan	$1.78B	+4%	+22%	6%	0.72×	6.7%	5.6%
Inter & INTR	United States	$1.70B	-40%	+51%	16%	0.84×	8.8%	15.5%
Happen HAPN	United States	$1.84B	n/a	+26%	14%	1.16×	14.5%	13.8%
Hope Bancorp HOPE	United States	$1.68B	+6%	+7%	6%	0.75×	7.6%	5.9%
CHINA BOHAI BANK 9668.HK	Hong Kong	$1.67B	-23%	-5%	6%	0.10×	3.4%	5.5%
Far Eastern International Bank 2845.TW	Taiwan	$1.88B	+4%	+5%	7%	0.87×	3.2%	7.4%
QCR QCRH	United States	$1.64B	+11%	+3%	13%	1.43×	10.9%	12.7%
South Indian Bank SOUTHBANK.NS	India	$1.60B	+38%	+5%	14%	1.25×	18.3%	13.9%
SpareBank 1 Nord-Norge NONG.OL	Norway	$1.96B	+26%	-4%	8%	0.93×	6.6%	7.7%
Pathward Financial CASH	United States	$1.58B	-12%	-1%	21%	1.93×	12.8%	20.9%
Esquire Financial ESQ	United States	$1.57B	+21%	+33%	11%	2.00×	10.2%	10.5%
City CHCO	United States	$1.99B	+15%	+3%	16%	2.55×	13.9%	16.4%
Punjab & Sind Bank PSB.NS	India	$1.52B	-22%	+3%	11%	0.99×	14.8%	10.7%
Seven Bank 8410.T	Japan	$2.09B	+28%	+3%	6%	1.41×	5.7%	6.3%
Avarda Bank AVARDA.ST	Sweden	$1.47B	+42%	+22%	26%	4.29×	23.7%	26.0%
OFG Bancorp OFG	United States	$2.15B	+10%	+2%	17%	1.60×	12.0%	16.6%
Awa Bank 8388.T	Japan	$2.15B	+94%	+23%	5%	0.80×	5.3%	4.7%
WaFd WAFD	United States	$2.18B	-17%	0%	8%	0.81×	8.1%	8.5%
Bladex BLX	United States	$2.19B	-7%	+4%	14%	1.05×	9.3%	14.5%

Questions

Who are iM Financial's main competitors?: Named competitors: BNK Financial Group (138930.KS), JB Financial Group (175330.KS). The cockpit's measured peer set (industry) also includes FirstSun Capital Bancorp (FSUN), Hyakujushi Bank (8386.T), Inter & (INTR), Happen (HAPN), Hope Bancorp (HOPE), CHINA BOHAI BANK (9668.HK).
Is iM Financial expensive compared with its peers?: On price / book it trades at 0.46× against a peer median of 1.02×, 2nd cheapest of 21 in its peer set.
How has iM Financial stock performed?: Over six months to 6 Nov 2026 the shares returned -20.2% against +6.2% for the median peer; over one year +16.1%.