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Regional bank holding company owning Jeonbuk Bank and Kwangju Bank, focused on southwestern Korean regional banking.
Regional bank holding company owning Jeonbuk Bank and Kwangju Bank, focused on southwestern Korean regional banking.
Earns mostly from the gap between loan interest and deposit costs at Jeonbuk Bank and Kwangju Bank, plus consumer and business lending at its capital arm, so local deposits and loan demand in southwestern Korea matter more than national trends. As a holding company it receives dividends from its subsidiaries and passes cash to shareholders.
Moat: narrow (regulatory licence, distribution). Regional banking licenses give entrenched local deposit franchises versus national banks.
Headquarters: Jeonju, South Korea · Employees: 108
Size JB Financial (175330.KS) is a South Korea Financials company (Major Banks) with a market value of $3.67B, the 90th largest of 495 South Korea companies the cockpit tracks. Shares closed at ₩27,100 on 6 Nov 2026.
Performance Over six months the shares gained 0.4%, against +8.1% for the median peer and -24.5% for the South Korea market (cap-weighted) — 5th lowest of 21 in its peer set.
Growth Revenue grew 9.1% over the last twelve months (peer median +11.3%); the operating margin is 22.4% (peer median 34.4%).
Valuation It trades at 0.94× book value against a peer median of 1.05× (8th cheapest of 21).
Next results Next results expected around 11 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₩4.42T | ₩4.12T | ₩4.14T | ₩3.88T | ₩2.94T |
| Revenue growth | — | -1% | +7% | +32% | — |
| Net income | ₩714B | ₩684B | ₩658B | ₩564B | ₩582B |
| Free cash flow | n/a | ₩1.21T | ₩1.72T | ₩1.32T | ₩673B |
| Capital expenditure | n/a | ₩115B | ₩110B | ₩434B | ₩99.0B |
| Total debt | n/a | ₩17.6T | ₩15.4T | ₩13.8T | ₩12.0T |
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 |
|---|---|---|---|---|---|---|
| JB Financial 175330.KS | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% |
| BNK Financial 138930.KS | $2.88B | -31% | +10% | 8% | 0.39× | 4.1% |
| 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 | 175330.KS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -4.1% | +1.9% | 8th lowest of 21 |
| 6-month return | +0.4% | +8.1% | 5th lowest of 21 |
| Return on equity | 13.1% | 8.9% | 5th highest of 21 |
| Price / book | 0.94× | 1.05× | 8th cheapest of 21 |
| ROE the price implies | 5.3% | 10.2% | 2nd least demanding of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| JB Financial 175330.KS | South Korea | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% | n/a |
| TBC Bank TBCG.L | United Kingdom | $3.64B | +11% | +16% | 24% | 1.40× | 15.7% | 23.8% |
| Daishi Hokuetsu Financial 7327.T | Japan | $3.73B | +9% | +18% | 9% | 0.94× | 6.3% | 8.6% |
| Nicolet Bankshares NIC | United States | $3.60B | +18% | +46% | 10% | 1.62× | 11.5% | 10.2% |
| Sparebanken Norge SBNOR.OL | Norway | $3.78B | +8% | +62% | 7% | 0.71× | 6.1% | n/a |
| Kyushu Financial 7180.T | Japan | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% | 4.9% |
| Dave DAVE | United States | $3.55B | +9% | +49% | 105% | 17.09× | 291.2% | 104.8% |
| Community Financial System CBU | United States | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% | 11.8% |
| Simmons First National SFNC | United States | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% | 7.8% |
| Flagstar Bank, National Association FLG | United States | $4.21B | -26% | -18% | 1% | 0.59× | 7.4% | 1.2% |
| Park National PRK | United States | $3.20B | +2% | +21% | 13% | 1.87× | 13.1% | 13.1% |
| Bank of Queensland BOQ.AX | Australia | $3.19B | +14% | -6% | 4% | 0.80× | 8.9% | 4.3% |
| Banque Cantonale de Geneve BCGE.SW | Switzerland | $3.17B | +12% | -3% | 10% | 1.01× | n/a | 9.9% |
| BankUnited BKU | United States | $3.14B | -7% | -5% | 9% | 1.09× | 11.9% | 9.2% |
| Shiga Bank 8366.T | Japan | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% | 4.4% |
| First Financial Bankshares FFIN | United States | $4.36B | -6% | +8% | 16% | 2.38× | 17.0% | 15.9% |
| Texas Capital Bancshares TCBI | United States | $4.39B | +1% | +3% | 10% | 1.34× | 9.8% | 10.2% |
| Liechtensteinische Landesbank LLBN.SW | Switzerland | $4.40B | +24% | -2% | 8% | 1.48× | n/a | 7.7% |
| Banco Macro SA Sponsored ADR BMA | United States | $4.53B | -21% | +4% | 7% | 0.87× | 11.3% | 7.5% |
| Hyakugo Bank 8368.T | Japan | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% | 6.4% |
| Fulton Financial FULT | United States | $4.54B | +11% | +3% | 12% | 1.29× | 10.5% | 11.6% |