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BNK Financial Group, Inc.
(138930)
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Rating:58Neutral
Price Target:
$13,125.00
Action:N/A
Date:10/28/26
The score is anchored by mixed financial fundamentals: solid profitability and modest revenue growth are offset by higher leverage and notably weak/volatile cash flow. Technicals further temper the outlook due to a clear downtrend and bearish momentum, despite oversold readings. Valuation is the main support, with a low P/E and high dividend yield improving the risk/reward.
Positive Factors
Revenue Growth
Revenue has returned to growth after a slight decline, indicating continued demand for BNK’s banking and financial services. Although expansion is modest rather than accelerating, positive top-line momentum supports operating scale and provides a foundation for rebuilding earnings over the next several quarters.
Negative Factors
Rising Leverage
The increase in debt relative to equity reduces financial flexibility and makes results more sensitive to funding and credit conditions. With leverage rising faster than the company’s moderate returns, BNK may have less capacity to absorb stress or finance growth without relying on balance-sheet support.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Revenue has returned to growth after a slight decline, indicating continued demand for BNK’s banking and financial services. Although expansion is modest rather than accelerating, positive top-line momentum supports operating scale and provides a foundation for rebuilding earnings over the next several quarters.
Read all positive factors
BNK Financial Group, Inc. (138930) vs. SPDR S&P 500 ETF (SPY)
Market Cap
₩4.00T
Dividend Yield6.01%
Average Volume (3M)801.79K
Price to Earnings (P/E)6.1
Beta (1Y)0.27
Revenue Growth10.30%
EPS Growth-13.12%
CountryKR
Employees121
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)2373.30
Shares Outstanding306,839,750
10 Day Avg. Volume977,966
30 Day Avg. Volume801,787
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)0.50
Price to Sales (P/S)0.68
P/FCF Ratio11.10
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2,503.17
Revenue Forecast (FY)₩3.53T
BNK Financial Group, Inc. Business Overview & Revenue Model
Company Description
Operating through its various subsidiaries, BNK Financial Group Inc. delivers a comprehensive array of financial products and services to clients both within South Korea and internationally. The company's diverse offerings span personal, automotiv...
BNK Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
35
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 7.82T | 7.54T | 7.83T | 7.47T | 5.47T | 4.43T |
| Gross Profit | 4.16T | 4.03T | 3.86T | 3.69T | 3.61T | 3.45T |
| EBITDA | 1.24T | 1.30T | 1.21T | 1.08T | 1.31T | 1.30T |
| Net Income | 766.92B | 836.16B | 728.55B | 639.78B | 784.98B | 791.01B |
Balance Sheet | ||||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 6.51T | 5.59T | 5.82T | 5.36T | 6.21T | 5.35T |
| Total Debt | 30.59T | 28.42T | 26.18T | 22.62T | 19.59T | 20.09T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 10.40T | 10.29T | 10.70T | 10.23T | 9.88T | 9.33T |
Cash Flow | ||||||
| Free Cash Flow | -2.56T | 461.19B | -1.51T | -187.53B | 3.43T | -824.35B |
| Operating Cash Flow | -2.40T | 554.71B | -1.34T | -5.80B | 3.61T | -657.58B |
| Investing Cash Flow | -6.16T | 217.72B | -1.39T | -2.34T | -1.02T | -1.38T |
| Financing Cash Flow | 6.60T | 2.73T | 3.15T | 1.42T | -1.65T | 2.69T |
BNK Financial Group, Inc. Technical Analysis
Negative
―
Price Trends
15082.80
Negative
15961.76
Negative
16748.51
Negative
Market Momentum
-713.64
Positive
37.69
Neutral
26.31
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:138930, the sentiment is Negative. The current price of undefined is equal to the 20-day moving average (MA) of 14657.00, equal to the 50-day MA of 15082.80, and equal to the 200-day MA of 16748.51, indicating a bearish trend. The MACD of -713.64 indicates Positive momentum. The RSI at 37.69 is Neutral, neither overbought nor oversold. The STOCH value of 26.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KR:138930.
BNK Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
66 Neutral | ₩4.50T | 6.40 | ― | 5.91% | 9.05% | 7.71% | |
66 Neutral | ₩22.03T | 7.27 | ― | 4.68% | 37.27% | -6.05% | |
65 Neutral | ₩40.20T | 7.94 | ― | 3.34% | 32.01% | 19.24% | |
62 Neutral | ₩51.96T | 8.92 | ― | 5.39% | 7.48% | 14.84% | |
60 Neutral | ₩9.31T | 16.92 | ― | 2.36% | 2.68% | 15.30% | |
58 Neutral | ₩4.00T | 6.10 | ― | 6.01% | 10.30% | -13.12% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
KR:138930
BNK Financial Group, Inc.
13,220.00
-5.74
-0.04%
KR:055550
Shinhan Financial Group Co., Ltd.
87,800.00
16,753.44
23.58%
KR:105560
KB Financial Group Inc.
154,000.00
41,684.58
37.11%
KR:175330
JB Financial Group Co., Ltd.
24,450.00
2,707.19
12.45%
KR:316140
Woori Financial Group, Inc.
29,900.00
5,411.24
22.10%
KR:323410
KakaoBank Corp.
19,530.00
-2,895.43
-12.91%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.