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Ceryle alcyon
Male and Female Kingfishers
you are right generally the kingfisher male and females look very similar
there are a very few differences in the markings
except in this case
The Belted kingfisher (found in northern North America - http://en.wikipedia.org/wiki/Belted_King...), is, to my knowledge, the only species of bird in which the female has more colorful markings than the male.
Interesting, I never looked at the sexual characteristics. That band looks reddish...so she is more colorful?