Analyzing BOK Financial (NASDAQ:BOKF) and Woori Bank (NYSE:WF)

BOK Financial (NASDAQ:BOKF) and Woori Bank (NYSE:WF) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, analyst recommendations, earnings, risk, profitability, valuation and institutional ownership.

Dividends

BOK Financial pays an annual dividend of $2.52 per share and has a dividend yield of 1.8%. Woori Bank pays an annual dividend of $1.84 per share and has a dividend yield of 2.3%. BOK Financial pays out 23.8% of its earnings in the form of a dividend. Woori Bank pays out 21.2% 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. BOK Financial has raised its dividend for 20 consecutive years. Woori Bank is clearly the better dividend stock, given its higher yield and lower payout ratio.

Institutional & Insider Ownership

34.4% of BOK Financial shares are held by institutional investors. Comparatively, 3.4% of Woori Bank shares are held by institutional investors. 63.5% of BOK Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for BOK Financial and Woori Bank, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BOK Financial	0	10	2	0	2.17
Woori Bank	0	1	1	0	2.50

BOK Financial presently has a consensus target price of $141.64, suggesting a potential upside of 3.87%. Given BOK Financial’s higher probable upside, equities analysts plainly believe BOK Financial is more favorable than Woori Bank.

Risk and Volatility

BOK Financial has a beta of 0.79, indicating that its stock price is 21% less volatile than the S&P 500. Comparatively, Woori Bank has a beta of 1.02, indicating that its stock price is 2% more volatile than the S&P 500.

Profitability

This table compares BOK Financial and Woori Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BOK Financial	18.97%	10.09%	1.16%
Woori Bank	13.28%	8.18%	0.52%

Valuation & Earnings

This table compares BOK Financial and Woori Bank”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BOK Financial	$3.38 billion	2.45	$577.99 million	$10.61	12.85
Woori Bank	$16.27 billion	1.22	$2.16 billion	$8.68	9.33

Woori Bank has higher revenue and earnings than BOK Financial. Woori Bank is trading at a lower price-to-earnings ratio than BOK Financial, indicating that it is currently the more affordable of the two stocks.

Summary

BOK Financial beats Woori Bank on 11 of the 17 factors compared between the two stocks.

About BOK Financial

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment engages in the provision of retail lending and deposit services to small business customers through retail branch network; and mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and Internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.

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.