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KB

KB Financial Group Inc
Chart
$107.91
Latest Week 2026-06-05
Financial ServicesBanks - RegionalLARGE
Snapshot 2026-06-07 · 0.0w · Fresh
0.8
OS Score
64.0%
Value
64.0%
Quality
65.0%
Momentum
6/9
F-Score
0.640
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
5 of 23 passing
★
OS Composite
OS 0.800
↗
Trending Value
✗
◆
Quality × Value
QV 0.640
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 46%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 1.36
V
Value Analysis
Cheapness relative to fundamentals
64.0%ile
P/B
0.0×
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
36.00000000
/100 — 1=cheapest
VC2 (Trending Value)
36.00000000
/100
VC3 (Buyback)
36.00000000
/100
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
64.0%ile
ROE
0.112
ROA
0.007
Net Margin
0.139
Op Margin
0.204
GPA
0.028
D/E
13.94
Current
0.20
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.381
Earn Growth
0.069
Stability
0.332
lower=better
Accruals
0.012
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 13.94 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
65.0%ile
6M Return
24.0%
12M Return
41.8%
12-1 Mom
46.1%
Risk-Adj
1.36
Vol 252d
33.9%
Vol 60d
74.0%
↑ Expanding
Max DD 12M
-14.7%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 46% is very strong — a clear uptrend. Near-term vol (74%) is expanding vs long-term (34%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.8
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
13.6%
Sector Quality %ile
26.3%
P/B z-score
-0.11
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
RM Regional Management Corp 98.0% 95.0% 90.0% 79.0%
FXNC First National Corp 98.0% 90.0% 92.0% 84.0%
Factor Interactions
Volatility Expanding
60-day vol (74%) significantly exceeds 252-day (34%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
100.0% avg (1 factors)
Quality
F
29.0% avg (8 factors)
Momentum
A
75.3% avg (4 factors)
Risk
B
60.1% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators. Momentum is confirming the value — this is the Trending Value signal that O'Shaughnessy found to be among the most powerful.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.800—1—
Value %ile0.640—0—
Quality %ile0.640—0—
Momentum %ile0.650—0—
F-Score6.000—0—
Confidence0.970—1—
Volatility0.339—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
Price / Book
0.00
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
11.2%
Return on Assets
0.7%
Net Margin
13.9%
Operating Margin
20.4%
Gross Profit / Assets
Novy-Marx GPA
2.8%
Debt / Equity
13.94
Current Ratio
0.20
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.012
MomentumPrice trend strength over different horizons
6M Return
24.0%
12M Return
41.8%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
46.1%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.36
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
38.1%
Earnings Growth (YoY)
6.9%
Earnings Stability (CV)
Lower = more stable
0.332
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
6
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
36
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
36
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
36
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity