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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.70
RF's Cash to Debt is ranked lower than
68% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. RF: 0.70 )
Ranked among companies with meaningful Cash to Debt only.
RF' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.38 Max: 2.17
Current: 0.7
0.09
2.17
Equity to Asset 0.14
RF's Equity to Asset is ranked higher than
82% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. RF: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
RF' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.13 Max: 0.15
Current: 0.14
0.07
0.15
Interest Coverage 4.61
RF's Interest Coverage is ranked higher than
78% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. RF: 4.61 )
Ranked among companies with meaningful Interest Coverage only.
RF' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 2.75 Max: 5.17
Current: 4.61
0.19
5.17
F-Score: 6
M-Score: -2.50
WACC vs ROIC
8.80%
5.69%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 29.90
RF's Operating margin (%) is ranked lower than
52% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. RF: 29.90 )
Ranked among companies with meaningful Operating margin (%) only.
RF' s Operating margin (%) Range Over the Past 10 Years
Min: -85.78  Med: 28.28 Max: 37.31
Current: 29.9
-85.78
37.31
Net-margin (%) 20.87
RF's Net-margin (%) is ranked lower than
55% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. RF: 20.87 )
Ranked among companies with meaningful Net-margin (%) only.
RF' s Net-margin (%) Range Over the Past 10 Years
Min: -80.91  Med: 18.5 Max: 25.35
Current: 20.87
-80.91
25.35
ROE (%) 6.35
RF's ROE (%) is ranked lower than
65% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. RF: 6.35 )
Ranked among companies with meaningful ROE (%) only.
RF' s ROE (%) Range Over the Past 10 Years
Min: -30.55  Med: 6.04 Max: 8.64
Current: 6.35
-30.55
8.64
ROA (%) 0.92
RF's ROA (%) is ranked higher than
53% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. RF: 0.92 )
Ranked among companies with meaningful ROA (%) only.
RF' s ROA (%) Range Over the Past 10 Years
Min: -3.9  Med: 0.87 Max: 1.19
Current: 0.92
-3.9
1.19
Revenue Growth (3Y)(%) 1.20
RF's Revenue Growth (3Y)(%) is ranked lower than
59% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. RF: 1.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.7  Med: -0.8 Max: 20.8
Current: 1.2
-23.7
20.8
EBITDA Growth (3Y)(%) -3.50
RF's EBITDA Growth (3Y)(%) is ranked lower than
75% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. RF: -3.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.1  Med: 1.2 Max: 64.8
Current: -3.5
-8.1
64.8
» RF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

RF Guru Trades in Q4 2015

Jim Simons 208,500 sh (New)
Joel Greenblatt 46,797 sh (New)
Richard Pzena 25,863,310 sh (+13.57%)
Pioneer Investments 3,536,577 sh (+0.72%)
Jeremy Grantham Sold Out
Paul Tudor Jones Sold Out
Arnold Schneider 2,651,242 sh (-1.09%)
Charles Brandes 754,622 sh (-1.60%)
Ken Fisher 1,312,443 sh (-2.01%)
HOTCHKIS & WILEY 11,769,227 sh (-16.78%)
David Dreman 33,806 sh (-34.26%)
» More
Q1 2016

RF Guru Trades in Q1 2016

Paul Tudor Jones 64,200 sh (New)
Steven Cohen 2,113,100 sh (New)
Jim Simons 1,922,921 sh (+822.26%)
Richard Pzena 30,951,769 sh (+19.67%)
David Dreman 39,292 sh (+16.23%)
Arnold Schneider 3,028,152 sh (+14.22%)
HOTCHKIS & WILEY 13,213,327 sh (+12.27%)
Charles Brandes 767,963 sh (+1.77%)
Pioneer Investments Sold Out
Ken Fisher 1,294,553 sh (-1.36%)
Joel Greenblatt 21,682 sh (-53.67%)
» More
Q2 2016

RF Guru Trades in Q2 2016

Ray Dalio 129,900 sh (New)
Jim Simons 3,149,874 sh (+63.81%)
Charles Brandes 785,874 sh (+2.33%)
Steven Cohen Sold Out
Arnold Schneider 3,022,912 sh (-0.17%)
HOTCHKIS & WILEY 13,044,467 sh (-1.28%)
Richard Pzena 30,403,525 sh (-1.77%)
Joel Greenblatt 21,157 sh (-2.42%)
Ken Fisher 1,221,157 sh (-5.67%)
David Dreman 34,516 sh (-12.16%)
Paul Tudor Jones 50,100 sh (-21.96%)
» More
Q3 2016

RF Guru Trades in Q3 2016

Michael Price 521,500 sh (New)
HOTCHKIS & WILEY 24,190,967 sh (+85.45%)
David Dreman 34,516 sh (unchged)
Ray Dalio Sold Out
Joel Greenblatt 21,145 sh (-0.06%)
Charles Brandes 739,679 sh (-5.88%)
Arnold Schneider 2,828,233 sh (-6.44%)
Richard Pzena 27,450,466 sh (-9.71%)
Ken Fisher 974,512 sh (-20.20%)
Paul Tudor Jones 14,600 sh (-70.86%)
Jim Simons 70,121 sh (-97.77%)
» More
» Details

Insider Trades

Latest Guru Trades with RF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Regions Financial Corp

SymbolPriceYieldDescription
RFPRA25.276.31Deposit Shs Repr 1/40th Non Cum Perp Pfd Ser -A-
RFPRB26.256.07Deposit Shs Repr 1/40th Non-Cum Perp Pfd Shs Series -B-

Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:CFG, NYSE:KEY, NYSE:MTB, NAS:HBAN, NAS:FITB, NYSE:FRC, NYSE:CMA, NYSE:CIT, NAS:SIVB, NAS:SBNY, NAS:ZION, NYSE:STI, NAS:PACW, NAS:OZRK, NAS:CBSH, NAS:BOKF, NAS:TFSL, NYSE:CFR, NYSE:WAL, NYSE:SNV » details
Traded in other countries:RN7.Germany,
Regions Financial Corp provides traditional commercial, retail and mortgage banking services, & other financial services in the fields of asset management, wealth management, securities brokerage, insurance, trust services, and other specialty financing.

Regions Financial Corp is a financial holding company formed in 1971 as First Alabama Bancshares Inc and incorporated on February 13, 2004. The Company provides traditional commercial, retail and mortgage banking services, as well as other financial services in the fields of asset management, wealth management, securities brokerage, insurance, trust services, and other specialty financing. It operates in the South, Midwest and Texas. It conducts its banking operations through Regions Bank, an Alabama state-chartered commercial bank that is a member of the Federal Reserve System. The Company operates approximately 1,962 ATMs and 1,627 banking offices in Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas and Virginia. The Company operates from three reportable segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment represents the Company's commercial banking functions including commercial and industrial, commercial real estate and investor real estate lending. This segment also includes equipment lease financing. Corporate Bank customers include corporate, middle market, and commercial real estate developers and investors. Corresponding deposit products related to these types of customers are also included in this segment. The Consumer Bank segment represents the Company's branch network, including consumer banking products and services related to residential first mortgages, home equity lines and loans, small business loans, indirect loans, consumer credit cards and other consumer loans, as well as the corresponding deposit relationships. These services are also provided through alternative channels such as the internet and telephone banking. The Wealth Management segment offers individuals, businesses, governmental institutions and non-profit entities solutions to help protect, grow and transfer wealth. Offerings include credit related products, trust and investment management, asset management, retirement and savings solutions, estate planning and personal and commercial insurance products.

Top Ranked Articles about Regions Financial Corp

MFP Investors Buys 7 New Holdings Bank holding companies, financial services company top purchases
Michael Price (Trades, Portfolio), who runs hedge fund MFP Investors LLC, invested in seven new holdings in the third quarter. Price’s estimated net worth is $1.2 billion; MFP Investors has $1.6 billion under management, much of it Price’s money. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 16.57
RF's P/E(ttm) is ranked lower than
60% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. RF: 16.57 )
Ranked among companies with meaningful P/E(ttm) only.
RF' s P/E(ttm) Range Over the Past 10 Years
Min: 5.85  Med: 13.21 Max: 190.5
Current: 16.57
5.85
190.5
Forward P/E 14.68
RF's Forward P/E is ranked higher than
55% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. RF: 14.68 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.37
RF's PE(NRI) is ranked lower than
59% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. RF: 16.37 )
Ranked among companies with meaningful PE(NRI) only.
RF' s PE(NRI) Range Over the Past 10 Years
Min: 5.85  Med: 13.05 Max: 57.33
Current: 16.37
5.85
57.33
Price/Owner Earnings (ttm) 13.29
RF's Price/Owner Earnings (ttm) is ranked higher than
53% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. RF: 13.29 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
RF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.73  Med: 7.95 Max: 110.97
Current: 13.29
2.73
110.97
P/B 1.03
RF's P/B is ranked higher than
58% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. RF: 1.03 )
Ranked among companies with meaningful P/B only.
RF' s P/B Range Over the Past 10 Years
Min: 0.15  Med: 0.73 Max: 1.6
Current: 1.03
0.15
1.6
P/S 3.23
RF's P/S is ranked higher than
51% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. RF: 3.23 )
Ranked among companies with meaningful P/S only.
RF' s P/S Range Over the Past 10 Years
Min: 0.29  Med: 2.18 Max: 3.88
Current: 3.23
0.29
3.88
PFCF 10.39
RF's PFCF is ranked higher than
57% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. RF: 10.39 )
Ranked among companies with meaningful PFCF only.
RF' s PFCF Range Over the Past 10 Years
Min: 0.79  Med: 4.21 Max: 12.77
Current: 10.39
0.79
12.77
POCF 10.14
RF's POCF is ranked higher than
52% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. RF: 10.14 )
Ranked among companies with meaningful POCF only.
RF' s POCF Range Over the Past 10 Years
Min: 0.76  Med: 4 Max: 82.5
Current: 10.14
0.76
82.5
EV-to-EBIT 11.96
RF's EV-to-EBIT is ranked higher than
52% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. RF: 11.96 )
Ranked among companies with meaningful EV-to-EBIT only.
RF' s EV-to-EBIT Range Over the Past 10 Years
Min: -286.3  Med: 9.7 Max: 79.3
Current: 11.96
-286.3
79.3
EV-to-EBITDA 8.91
RF's EV-to-EBITDA is ranked higher than
60% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. RF: 8.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
RF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -98.9  Med: 7.3 Max: 74.2
Current: 8.91
-98.9
74.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.78
RF's Dividend Yield is ranked lower than
71% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. RF: 1.78 )
Ranked among companies with meaningful Dividend Yield only.
RF' s Dividend Yield Range Over the Past 10 Years
Min: 0.44  Med: 2.07 Max: 33.8
Current: 1.78
0.44
33.8
Dividend Payout 0.29
RF's Dividend Payout is ranked higher than
95% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. RF: 0.29 )
Ranked among companies with meaningful Dividend Payout only.
RF' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.33 Max: 3.46
Current: 0.29
0.04
3.46
Dividend Growth (3y) 79.20
RF's Dividend Growth (3y) is ranked higher than
96% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. RF: 79.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
RF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -69.9 Max: 79.2
Current: 79.2
0
79.2
Forward Dividend Yield 1.85
RF's Forward Dividend Yield is ranked lower than
73% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. RF: 1.85 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 13.62
RF's Yield on cost (5-Year) is ranked higher than
93% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. RF: 13.62 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.33  Med: 15.67 Max: 255.81
Current: 13.62
3.33
255.81
3-Year Average Share Buyback Ratio 2.80
RF's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. RF: 2.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -48.7  Med: -14.9 Max: 2.8
Current: 2.8
-48.7
2.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.55
RF's Price/Tangible Book is ranked lower than
65% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. RF: 1.55 )
Ranked among companies with meaningful Price/Tangible Book only.
RF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.4  Med: 1.38 Max: 3.33
Current: 1.55
0.4
3.33
Price/Projected FCF 0.44
RF's Price/Projected FCF is ranked higher than
81% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. RF: 0.44 )
Ranked among companies with meaningful Price/Projected FCF only.
RF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.5 Max: 2.3
Current: 0.44
0.1
2.3
Price/Median PS Value 1.49
RF's Price/Median PS Value is ranked lower than
79% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. RF: 1.49 )
Ranked among companies with meaningful Price/Median PS Value only.
RF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.19  Med: 1.16 Max: 2.65
Current: 1.49
0.19
2.65
Price/Peter Lynch Fair Value 0.79
RF's Price/Peter Lynch Fair Value is ranked higher than
70% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. RF: 0.79 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
RF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.43  Med: 1.34 Max: 2.48
Current: 0.79
0.43
2.48
Price/Graham Number 1.07
RF's Price/Graham Number is ranked lower than
58% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. RF: 1.07 )
Ranked among companies with meaningful Price/Graham Number only.
RF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.37  Med: 0.9 Max: 1.68
Current: 1.07
0.37
1.68
Earnings Yield (Greenblatt) (%) 8.40
RF's Earnings Yield (Greenblatt) (%) is ranked higher than
64% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. RF: 8.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 8.7 Max: 16.3
Current: 8.4
1.3
16.3
Forward Rate of Return (Yacktman) (%) 34.09
RF's Forward Rate of Return (Yacktman) (%) is ranked higher than
86% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. RF: 34.09 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 5.2  Med: 31.35 Max: 117
Current: 34.09
5.2
117

More Statistics

Revenue (TTM) (Mil) $5,526
EPS (TTM) $ 0.84
Beta1.12
Short Percentage of Float3.30%
52-Week Range $7.00 - 14.03
Shares Outstanding (Mil)1,230.97

Analyst Estimate

Dec16 Dec17 Dec18 Dec19
Revenue (Mil $) 5,557 5,784 5,936
EPS ($) 0.85 0.94 1.06 1.23
EPS w/o NRI ($) 0.85 0.94 1.06 1.23
EPS Growth Rate
(3Y to 5Y Estimate)
6.10%
Dividends Per Share ($) 0.26 0.30 0.33
» More Articles for RF

Headlines

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Will Buffett Sell Wells Fargo? Sep 21 2016 
Brian Rogers Reduces Position in Time Warner Oct 15 2015 
Richard Pzena Adds to Stake in Walmart Aug 12 2015 
Weekly CEO Sells Highlight: Regions Financial Corp, Netflix Inc, BlackRock Inc, and Axalta Coating S Jul 25 2015 
Ohio-based Bank´s Results Were in the Median of Regional Banking Peers Jul 14 2015 

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