KB Financial Group Inc. (KB) Fair Value 2026

KB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.4 /10

32 fundamental signals · 5 models active

Value Trap Risk

LOW (37/100)

Quick Summary — As of 2026-08-28, KB Financial Group Inc. (KB) trades at $124.16, versus a $110.54 median fair value across its 5 active models — 11.0% below the current price. QOC: 6.4/10. Value Trap Risk: 37/100 (LOW). 5/13 models active.

Key Facts

Ticker
KB
Price
$124.16
Quality Score
6.4/10
Value Trap Risk
37/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is KB Financial Group Inc. (KB) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, KB Financial Group Inc. (KB) appears overvalued as of : the median of 5 independent fair value estimates is $110.54, 11.0% below the current price of $124.16. Estimates range from $58.71 to $162.11. KB scores 6.4/10 on fundamental quality and 37/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. KB’s -11.0% gap is narrower than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy KB Financial Group Inc. Stock in 2026? →

What Fair Value Does Each Model Give KB?

5 Intrinsic Value Models vs. Current Price ($124.16)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $110.54 -11.0%
Ensemble · Low Conviction
 $107.51 -13.4%
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What Is KB's Fair Value Range?

Spread across 5 independent models · $58.71 to $162.11

CirclFi's 5 active models place KB Financial Group Inc. (KB) between $58.71 and $162.11 per share, a spread of 94% of the median. The median of that range — $110.54 — is the fair value CirclFi publishes for KB, against a current price of $124.16.

Low · Markov DDMHigh · FTNN
$58.71median $110.54$162.11
Where the range comes from
Most bearish modelMarkov DDM$58.71
Most bullish modelFTNN Topology$162.11
Model agreement2 bullish · 3 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on KB, not a CirclFi price target. How each model works →

What Is KB Financial Group Inc. (KB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on KB Financial Group Inc. at its current price of $124.16. The median intrinsic value is estimated at $110.54 (-11.0% vs price), with 3 models flagging overvaluation risk. The most optimistic model, FTNN, places fair value at $162.11 (+30.6%), while Markov DDM — the most conservative — estimates $58.71 (-52.7%). This +83.3% gap reflects genuine analytical uncertainty about KB Financial Group Inc.'s intrinsic worth.

What Do the Models Say About KB?

5 of 13 models are currently active for KB. Of these, 2 models suggest upside while 3 models suggest overvaluation. Taken together, their median fair value for KB is $110.54 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does KB Rank in Banks - Regional?

Among 352 Banks - Regional stocks, KB ranks #325 by Quality of Company score. CirclFi's QOC score of 6.4/10 evaluates 32 fundamental signals. A score of 6.4 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

As a banking sector, KB Financial Group Inc. operates in a sector where non-performing loan ratio is a critical driver of valuation. Investors evaluating KB should weigh these sector-specific dynamics alongside our model-derived fair values.

Is KB a Value Trap?

CirclFi's Value Trap algorithm assigns KB a score of 37/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for KB Financial Group Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, KB Financial Group Inc.'s fundamental quality profile registers 6.4/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +83.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every KB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across KB's 5 active models, average confidence is 21%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy KB Financial Group Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FNWBFirst Northwest BancorpQOC 6.4AVALGrupo Aval Acciones y Valores S.A.QOC 6.4FBLAFB Bancorp, Inc.QOC 6.5FLGFlagstar Bank, National AssociationQOC 6.4BSBRBanco Santander (Brasil) S.A.QOC 6.5FSEAFirst Seacoast Bancorp, Inc.QOC 6.2HBTHBT Financial, Inc.QOC 8.5UNBUnion Bankshares, Inc.QOC 8.1BHBBar Harbor BanksharesQOC 7.7STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: FNWB · AVAL · FBLA · FLG · BSBR · FSEA · HBT · UNB · BHB · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to KB?

6 companies across all industries closest to KB’s Quality of Company score of 6.4/10.

RDGLVivos Inc.QOC 6.4CARAvis Budget Group, Inc.QOC 6.4PNNTPennantPark Investment CorporationQOC 6.4SGRYSurgery Partners, Inc.QOC 6.4RAREUltragenyx Pharmaceutical Inc.QOC 6.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: RDGL · CAR · PNNT · SGRY · RARE · NVDA

Where Does KB Sit in CirclFi's Banks - Regional Rankings?

KB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About KB Financial Group Inc.’s Valuation?

What is KB Financial Group Inc.'s intrinsic value in 2026?

CirclFi puts KB Financial Group Inc. (KB)'s intrinsic value at $110.54 — the median of 5 independent model estimates as of 2026-08-28, ranging from $58.71 to $162.11. The Quality of Company score is 6.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is KB overvalued or undervalued right now?

At $124.16, 2 of 5 active models suggest KB may be undervalued, while 3 indicate potential overvaluation. The median of all 5 fair value estimates is $110.54, 11.0% below the current price of $124.16 — a consensus view that KB is overvalued. The assessment depends on which methodology best fits KB Financial Group Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 6.4 mean for KB?

KB Financial Group Inc.'s QOC of 6.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on KB?

CirclFi analyzes KB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on KB?

Of the 5 models currently active on KB, FTNN Topology is the most bullish at $162.11 per share, and Markov DDM is the most bearish at $58.71. CirclFi's published fair value for KB is the median of that range, $110.54, not either extreme. The gap between the two ends equals 94% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is KB a value trap in 2026?

KB Financial Group Inc.'s Value Trap score is 37/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, KB Financial Group Inc. (KB) has a median fair value of $110.54 — 11.0% below the current price of $124.16 — as of 2026-08-28.” Source: circlfi.com/stock/KB/ · Methodology
Primary sources for this KB valuation
  • Financial statements: KB Financial Group Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001445930) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for KB as of ; valuations recomputed .

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