Analyzing Woori Financial Group (NYSE:WF) and United Overseas Bank (OTC:UOVEY)

Woori Financial Group (NYSE:WF) and United Overseas Bank (OTC:UOVEY) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, profitability, earnings, valuation, analyst recommendations, risk and institutional ownership.

Insider and Institutional Ownership

3.4% of Woori Financial Group shares are held by institutional investors. Comparatively, 0.0% of United Overseas Bank shares are held by institutional investors. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Woori Financial Group	11.30%	7.89%	0.53%
United Overseas Bank	N/A	N/A	N/A

Dividends

Woori Financial Group pays an annual dividend of $4.59 per share and has a dividend yield of 11.8%. United Overseas Bank pays an annual dividend of $2.81 per share and has a dividend yield of 5.1%. Woori Financial Group pays out 58.5% of its earnings in the form of a dividend.

Volatility & Risk

Woori Financial Group has a beta of 0.98, suggesting that its stock price is 2% less volatile than the S&P 500. Comparatively, United Overseas Bank has a beta of 0.65, suggesting that its stock price is 35% less volatile than the S&P 500.

Valuation & Earnings

This table compares Woori Financial Group and United Overseas Bank”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Woori Financial Group	$12,734.00 billion	0.00	$1.94 billion	$7.84	4.97
United Overseas Bank	$20.86 billion	2.20	$4.25 billion	N/A	N/A

United Overseas Bank has lower revenue, but higher earnings than Woori Financial Group.

Analyst Ratings

This is a summary of current recommendations and price targets for Woori Financial Group and United Overseas Bank, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Woori Financial Group	0	0	0	0	0.00
United Overseas Bank	0	0	0	1	4.00

Summary

Woori Financial Group beats United Overseas Bank on 7 of the 12 factors compared between the two stocks.

About Woori Financial Group

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 United Overseas Bank

United Overseas Bank Limited, together with its subsidiaries, provides banking products and services. The company’s Group Retail segment provides deposits, insurance, card, wealth management, investment, and loan and trade financing products for personal and small enterprise customers. Its Group Wholesale Banking segment offers financing, trade, cash management, and capital markets solutions, as well as advisory and treasury products for medium and large enterprises, local corporations, multi-national corporations, financial institutions, government-linked entities, financial sponsors, and property funds. The company’s Global Markets segment provides foreign exchange, interest rate, credit, commodities, equities, and structured investment products; and manages funding and liquidity. Its Other segment offers investment management, property, and insurance services. The company also provides mobile and internet banking services. It operates through a network of approximately 500 branches, including wealth and privilege banking centres, private bank suites, business and commercial banking centres, and offices in 19 countries and territories in the Asia Pacific, Europe, and North America; and approximately 1.4 million automated teller machines. The company was formerly known as United Chinese Bank and changed its name to United Overseas Bank Limited in 1965. United Overseas Bank Limited was incorporated in 1935 and is headquartered in Singapore.