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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry
vs
history
Cash to Debt 0.917
RF's Cash to Debt is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. RF: 0.917 )
RF' s 10-Year Cash to Debt Range
Min: 0.13   Max: 0.92
Current: 0.92

0.13
0.92
Equity to Asset 0.084
RF's Equity to Asset is ranked lower than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. RF: 0.084 )
RF' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.13
Current: 0.08

0.06
0.13
Interest Coverage No Debt
RF's Interest Coverage is ranked lower than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. RF: No Debt )
RF' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt

F-Score: 6
Z-Score: 0.22
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 7/10

vs
industry
vs
history
Operating margin (%) 30.80
RF's Operating margin (%) is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. RF: 30.80 )
RF' s 10-Year Operating margin (%) Range
Min: -85.8   Max: 40
Current: 30.8

-85.8
40
Net-margin (%) 20.7
RF's Net-margin (%) is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. RF: 20.7 )
RF' s 10-Year Net-margin (%) Range
Min: -80.9   Max: 26.8
Current: 20.7

-80.9
26.8
ROE (%) 7.2
RF's ROE (%) is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. RF: 7.2 )
RF' s 10-Year ROE (%) Range
Min: -33.3   Max: 17.1
Current: 7.2

-33.3
17.1
ROA (%) 0.9
RF's ROA (%) is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RF: 0.9 )
RF' s 10-Year ROA (%) Range
Min: -3.8   Max: 1.3
Current: 0.9

-3.8
1.3
Revenue Growth (%) -14.2
RF's Revenue Growth (%) is ranked lower than
67% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. RF: -14.2 )
RF' s 10-Year Revenue Growth (%) Range
Min: -18.4   Max: 9.2
Current: -14.2

-18.4
9.2
ยป RF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2012

RF Guru Trades in Q2 2012

Paul Tudor Jones 27,700 sh (New)
Jeremy Grantham 1,031,500 sh (New)
Jim Simons 2,182,821 sh (+105.44%)
Richard Pzena 918,488 sh (+1.35%)
Brian Rogers 11,010,600 sh (unchged)
George Soros Sold Out
Bruce Berkowitz Sold Out
Louis Moore Bacon Sold Out
John Keeley Sold Out
Michael Price Sold Out
Chuck Royce Sold Out
HOTCHKIS & WILEY 18,564,340 sh (-17.96%)
Arnold Schneider 7,961,743 sh (-25.46%)
Bruce Kovner 2,056,800 sh (-31.05%)
Charles Brandes 551,911 sh (-36.26%)
Ray Dalio 17,996 sh (-64.15%)
Steven Cohen 381,577 sh (-65%)
» More
Q3 2012

RF Guru Trades in Q3 2012

Chuck Royce 29,400 sh (New)
Richard Pzena 5,632,338 sh (+513.22%)
Jim Simons 7,552,528 sh (+246%)
Bruce Kovner 5,983,291 sh (+190.9%)
Ray Dalio 41,896 sh (+132.81%)
Jeremy Grantham 1,397,700 sh (+35.5%)
Brian Rogers 11,010,600 sh (unchged)
HOTCHKIS & WILEY 17,757,728 sh (-4.34%)
Charles Brandes 511,276 sh (-7.36%)
Paul Tudor Jones 24,500 sh (-11.55%)
Arnold Schneider 6,491,434 sh (-18.47%)
Steven Cohen 82,665 sh (-78.34%)
» More
Q4 2012

RF Guru Trades in Q4 2012

Louis Moore Bacon 2,875,200 sh (New)
Pioneer Investments 4,112,854 sh (New)
HOTCHKIS & WILEY 18,910,039 sh (+6.49%)
Charles Brandes 524,102 sh (+2.51%)
Brian Rogers 11,010,600 sh (unchged)
Jeremy Grantham 1,450,240 sh (unchged)
Jim Simons Sold Out
Chuck Royce Sold Out
Richard Pzena 5,557,333 sh (-1.33%)
Ray Dalio 41,096 sh (-1.91%)
Bruce Kovner 4,876,301 sh (-18.5%)
Paul Tudor Jones 15,700 sh (-35.92%)
Arnold Schneider 3,718,102 sh (-42.72%)
Steven Cohen 35,450 sh (-57.12%)
» More
Q1 2013

RF Guru Trades in Q1 2013

Jim Simons 6,084,321 sh (New)
David Dreman 271,411 sh (New)
Paul Tudor Jones 63,600 sh (+305.1%)
Pioneer Investments 11,042,984 sh (+168.5%)
Steven Cohen 70,539 sh (+98.98%)
Brian Rogers 11,010,600 sh (unchged)
Louis Moore Bacon Sold Out
Ray Dalio Sold Out
Charles Brandes 522,995 sh (-0.21%)
Richard Pzena 5,534,118 sh (-0.42%)
Jeremy Grantham 1,393,140 sh (-3.94%)
Arnold Schneider 3,342,739 sh (-10.1%)
HOTCHKIS & WILEY 16,910,647 sh (-10.57%)
Bruce Kovner 660,668 sh (-86.45%)
» More
» Details

Insider Trades

Latest Guru Trades with RF

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2013-03-31 New Buy0.06%$7.13 - $8.4 $ 9.0516%271411
Ray Dalio 2013-03-31 Sold Out $7.13 - $8.4 $ 9.0516%0
Arnold Schneider 2012-12-31 Reduce -42.72%1.84%$6.25 - $7.62 $ 9.0532%3718102
Richard Pzena 2012-09-30 Add 513.22%0.28%$6.38 - $7.66 $ 9.0530%5632338
Ray Dalio 2012-09-30 Add 132.81%$6.38 - $7.66 $ 9.0530%41896
Arnold Schneider 2012-06-30 Reduce -25.46%1.45%$5.63 - $6.86 $ 9.0542%7961743
Michael Price 2012-06-30 Sold Out 0.23%$5.63 - $6.86 $ 9.0542%0
George Soros 2012-06-30 Sold Out 0.22%$5.63 - $6.86 $ 9.0542%0
John Keeley 2012-06-30 Sold Out 0.03%$5.63 - $6.86 $ 9.0542%0
Charles Brandes 2012-06-30 Reduce -36.26%0.02%$5.63 - $6.86 $ 9.0542%551911
Bruce Berkowitz 2012-06-30 Sold Out 0.0018%$5.63 - $6.86 $ 9.0542%0
Ray Dalio 2012-06-30 Reduce -64.15%$5.63 - $6.86 $ 9.0542%17996
Premium More recent guru trades are included for Premium Members only!!

Preferred stocks of Regions Financial Corporation

SymbolPriceYieldDescription
RFPRA0.000.00Deposit Shs Repr 1/40th Non Cum Perp Pfd Ser -A-

Ratios

vs
industry
vs
history
P/E(ttm) 9.90
RF's P/E(ttm) is ranked lower than
77% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. RF: 9.90 )
RF' s 10-Year P/E(ttm) Range
Min: 5.85   Max: 185.85
Current: 9.9

5.85
185.85
P/B 0.83
RF's P/B is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. RF: 0.83 )
RF' s 10-Year P/B Range
Min: 0.12   Max: 2.45
Current: 0.83

0.12
2.45
P/S 2.41
RF's P/S is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. RF: 2.41 )
RF' s 10-Year P/S Range
Min: 0.29   Max: 3.68
Current: 2.41

0.29
3.68
PFCF 4.89
RF's PFCF is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. RF: 4.89 )
RF' s 10-Year PFCF Range
Min: 0.79   Max: 94.29
Current: 4.89

0.79
94.29
EV-to-EBIT 10.62
RF's EV-to-EBIT is ranked higher than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. RF: 10.62 )
RF' s 10-Year EV-to-EBIT Range
Min: 6.3   Max: 79.3
Current: 10.62

6.3
79.3
Shiller P/E 217.7
RF's Shiller P/E is ranked lower than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. RF: 217.7 )
RF' s 10-Year Shiller P/E Range
Min: 3.21   Max: 337.5
Current: 217.7

3.21
337.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.44
RF's Dividend Yield is ranked lower than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. RF: 0.44 )
RF' s 10-Year Dividend Yield Range
Min: 0.44   Max: 33.8
Current: 0.44

0.44
33.8
Dividend Payout 0.1
RF's Dividend Payout is ranked higher than
98% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. RF: 0.1 )
RF' s 10-Year Dividend Payout Range
Min: 0.05   Max: 0.83
Current: 0.1

0.05
0.83
Dividend growth (3y) -25.5
RF's Dividend growth (3y) is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. RF: -25.5 )
RF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 21.6
Current: -25.5

0
21.6
Yield on cost (5-Year) 0.01
RF's Yield on cost (5-Year) is ranked lower than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. RF: 0.01 )
RF' s 10-Year Yield on cost (5-Year) Range
Min: 0.01   Max: 0.78
Current: 0.01

0.01
0.78
Share Buyback Rate -8.8
RF's Share Buyback Rate is ranked lower than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. RF: -8.8 )
RF' s 10-Year Share Buyback Rate Range
Min: -0.4   Max: -22.5
Current: -8.8

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 70.9
RF's Price/Net Current Asset Value is ranked higher than
99% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.70 vs. RF: 70.9 )
RF' s 10-Year Price/Net Current Asset Value Range
Min: 6.5   Max: 70
Current: 70.9

6.5
70
Price/Tangible Book 1.3
RF's Price/Tangible Book is ranked higher than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. RF: 1.3 )
RF' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 3.3
Current: 1.3

0.5
3.3
Price/DCF (Projected) 0.3
RF's Price/DCF (Projected) is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. RF: 0.3 )
RF' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1.1
Current: 0.3

0.1
1.1
Price/Median PS Value 1
RF's Price/Median PS Value is ranked higher than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RF: 1 )
RF' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.5
Current: 1

0.3
1.5
Price/Graham Number 0.8
RF's Price/Graham Number is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RF: 0.8 )
RF' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.5
Current: 0.8

0.6
1.5
Earnings Yield (Greenblatt) 9.40
RF's Earnings Yield (Greenblatt) is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. RF: 9.40 )
RF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 15.9
Current: 9.4

1.3
15.9
Forward Rate of Return (Yacktman) 21.07
RF's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. RF: 21.07 )
RF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.6   Max: 103.1
Current: 21.07

3.6
103.1

Business Description

Regions Financial Corporation is a Delaware corporation that, on July 1, 2004, became the successor by merger to Union Planters Corporation and the former Regions Financial Corporation. A financial holding company, which operates throughout the South, Midwest and Texas. Regions provides traditional commercial, retail and mortgage banking services, as well as other financial services in the fields of investment banking, asset management, trust, mutual funds, securities brokerage, insurance and other specialty financing. Regions provides a full range of banking and bank-related services to individual and corporate customers through its subsidiaries and branch offices located mainly in Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas and Virginia. Regions conducts its banking operations through Regions Bank, an Alabama chartered commercial bank that is a member of the Federal Reserve System. In addition to its banking operations, Regions provides additional financial services through the following subsidiaries: Morgan Keegan & Company, Inc. 'Morgan Keegan', a subsidiary of Regions Financial Corporation, is a full-service regional brokerage and investment banking firm. Morgan Keegan offers products and services including securities brokerage, asset management, financial planning, mutual funds, securities underwriting, sales and trading and investment banking. Morgan Keegan also manages the delivery of trust services, which are provided according to the trust powers of Regions Bank. Regions Insurance Group, Inc., a subsidiary of Regions Financial Corporation, is an insurance broker that offers insurance products through its subsidiaries Regions Insurance, Inc. and Regions Insurance Services, Inc. Through its insurance brokerage operations in Alabama, Arkansas, Indiana, Louisiana, Missouri, Mississippi, Tennessee and Texas, Regions Insurance, Inc. offers insurance coverage for various lines of personal and commercial insurance, such as property, casualty, life, health and accident insurance. Regions Insurance Services, Inc. offers credit-related insurance products, such as title, term life, credit life, environmental, crop and mortgage insurance, as well as debt cancellation products to customers of Regions. It has several subsidiaries and affiliates which are agents or reinsurers of credit life insurance products relating to the activities of certain affiliates of Regions. The Company's Equipment Finance Corporation, a subsidiary of Regions Bank, provides domestic and international equipment financing products, focusing on commercial clients. Regions' subsidiaries compete with other financial institutions located in the states in which they operate and other adjoining states, as well as banks in major financial centers and other financial intermediaries, such as savings and loan associations, credit unions, consumer finance compan
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
Traded in other countries:RN7.Germany

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