Woori Bank (NYSE:WF – Get Free Report) and RBB Bancorp (NASDAQ:RBB – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, valuation, analyst recommendations, profitability, institutional ownership, earnings and risk.
Dividends
Woori Bank pays an annual dividend of $1.84 per share and has a dividend yield of 2.4%. RBB Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 2.4%. Woori Bank pays out 21.2% of its earnings in the form of a dividend. RBB Bancorp pays out 26.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Risk & Volatility
Woori Bank has a beta of 1.02, meaning that its stock price is 2% more volatile than the S&P 500. Comparatively, RBB Bancorp has a beta of 1.02, meaning that its stock price is 2% more volatile than the S&P 500.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Woori Bank | 13.28% | 8.18% | 0.52% |
| RBB Bancorp | 17.26% | 7.94% | 0.99% |
Analyst Ratings
This is a summary of current recommendations for Woori Bank and RBB Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Woori Bank | 0 | 1 | 1 | 0 | 2.50 |
| RBB Bancorp | 0 | 3 | 3 | 0 | 2.50 |
RBB Bancorp has a consensus target price of $25.50, suggesting a potential downside of 2.99%. Given RBB Bancorp’s higher possible upside, analysts plainly believe RBB Bancorp is more favorable than Woori Bank.
Valuation & Earnings
This table compares Woori Bank and RBB Bancorp”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Woori Bank | $16.27 billion | 1.17 | $2.16 billion | $8.68 | 8.90 |
| RBB Bancorp | $238.00 million | 1.87 | $31.95 million | $2.43 | 10.82 |
Woori Bank has higher revenue and earnings than RBB Bancorp. Woori Bank is trading at a lower price-to-earnings ratio than RBB Bancorp, indicating that it is currently the more affordable of the two stocks.
Institutional and Insider Ownership
3.4% of Woori Bank shares are owned by institutional investors. Comparatively, 40.1% of RBB Bancorp shares are owned by institutional investors. 6.8% of RBB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Summary
RBB Bancorp beats Woori Bank on 9 of the 14 factors compared between the two stocks.
About Woori Bank
Woori Financial Group Inc., a financial holding company, operates as a commercial bank that provides a range of financial products and services to individuals, corporations, and small- and medium-sized enterprises in Korea. It operates through Banking, Credit Card, Capital, Investment Banking, and Others segments. The company offers savings, demand, installment, and time deposits; certificates of deposit; repurchase instruments; and working capital, facilities, general purpose household, mortgage, and home equity loans. It also provides debit and credit cards, cash services, card loans, and related services; lease financing; and securities operation, sale of financial instruments, project financing, and other related solutions. In addition, the company offers credit purchase, cash advance, credit card loans, foreign exchange services and dealing, import and export-related services, offshore lending, syndicated loans and foreign currency securities investment, investment trust products, bancassurance, and private equity funds. Further, it is involved in the real estate trust, system software development and maintenance, financing, credit information, securities investment and trading, derivatives trading, trust, asset securitization, investment and international banking, money transfer, and other services. Additionally, the company offers automated telephone, internet, and mobile banking services; and trust management, trustee, and custodian services. Woori Financial Group Inc. was founded in 1899 and is headquartered in Seoul, South Korea.
About RBB Bancorp
RBB Bancorp operates as the bank holding company for Royal Business Bank that provides various banking products and services to the Chinese-American, Korean-American, and other Asian-American communities. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company also offers commercial and industrial lines of credit, term loans, mortgage warehouse lines, and international trade discounts; commercial real estate loans; residential, commercial, and land acquisition and development construction loans; small business administration loans; and single-family residential mortgage loans. In addition, it provides international letters of credit, SWIFT, export advisory, trade finance discount, and foreign exchange services; and remote deposit, e-banking, and mobile banking services. The company serves individuals, businesses, municipalities, and other entities. It operates branches in the Western region with branches in Los Angeles County, California; Orange County, California; Ventura County, California; Clark County, Nevada; Honolulu, Hawaii, as well as in Eastern region with branches in Manhattan, Brooklyn and Queens, New York; Chicago, Illinois; and Edison, New Jersey. RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California.
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