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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 0.56
RF's Cash to Debt is ranked lower than
69% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. RF: 0.56 )
Ranked among companies with meaningful Cash to Debt only.
RF' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.37 Max: 2.17
Current: 0.56
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 4.86
RF's Interest Coverage is ranked higher than
80% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. RF: 4.86 )
Ranked among companies with meaningful Interest Coverage only.
RF' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 0.95 Max: 5.17
Current: 4.86
0.19
5.17
F-Score: 5
M-Score: -2.91
WACC vs ROIC
9.34%
6.00%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 29.02
RF's Operating margin (%) is ranked lower than
56% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. RF: 29.02 )
Ranked among companies with meaningful Operating margin (%) only.
RF' s Operating margin (%) Range Over the Past 10 Years
Min: -85.78  Med: 29.08 Max: 36.17
Current: 29.02
-85.78
36.17
Net-margin (%) 20.16
RF's Net-margin (%) is ranked lower than
59% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. RF: 20.16 )
Ranked among companies with meaningful Net-margin (%) only.
RF' s Net-margin (%) Range Over the Past 10 Years
Min: -80.91  Med: 19.00 Max: 24.99
Current: 20.16
-80.91
24.99
ROE (%) 6.10
RF's ROE (%) is ranked lower than
68% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. RF: 6.10 )
Ranked among companies with meaningful ROE (%) only.
RF' s ROE (%) Range Over the Past 10 Years
Min: -30.55  Med: 6.57 Max: 9.37
Current: 6.1
-30.55
9.37
ROA (%) 0.89
RF's ROA (%) is ranked higher than
50% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. RF: 0.89 )
Ranked among companies with meaningful ROA (%) only.
RF' s ROA (%) Range Over the Past 10 Years
Min: -3.9  Med: 0.89 Max: 1.19
Current: 0.89
-3.9
1.19
Revenue Growth (3Y)(%) -5.90
RF's Revenue Growth (3Y)(%) is ranked lower than
84% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. RF: -5.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.7  Med: -2.90 Max: 20.7
Current: -5.9
-23.7
20.7
EBITDA Growth (3Y)(%) 64.80
RF's EBITDA Growth (3Y)(%) is ranked higher than
96% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. RF: 64.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -7  Med: 7.95 Max: 64.8
Current: 64.8
-7
64.8
» RF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-21)


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

» Details

Guru Trades

Q2 2015

RF Guru Trades in Q2 2015

Arnold Schneider 3,320,858 sh (+40.68%)
Richard Pzena 17,063,917 sh (+39.81%)
Pioneer Investments 3,511,436 sh (+7.94%)
David Dreman 48,467 sh (+7.17%)
Ken Fisher 1,013,938 sh (+5.72%)
Charles Brandes 774,661 sh (+0.08%)
T Rowe Price Equity Income Fund 10,510,600 sh (unchged)
Ray Dalio Sold Out
Joel Greenblatt Sold Out
HOTCHKIS & WILEY 14,131,127 sh (-4.29%)
Jeremy Grantham 303,300 sh (-20.58%)
David Tepper 3,035,477 sh (-40.97%)
Paul Tudor Jones 68,866 sh (-54.82%)
» More
Q3 2015

RF Guru Trades in Q3 2015

Richard Pzena 22,772,622 sh (+33.45%)
Ken Fisher 1,339,403 sh (+32.10%)
David Dreman 51,420 sh (+6.09%)
HOTCHKIS & WILEY 14,142,227 sh (+0.08%)
Pioneer Investments 3,511,436 sh (unchged)
David Tepper Sold Out
T Rowe Price Equity Income Fund Sold Out
Charles Brandes 766,854 sh (-1.01%)
Arnold Schneider 2,680,442 sh (-19.28%)
Paul Tudor Jones 52,935 sh (-23.13%)
Jeremy Grantham 100,220 sh (-66.96%)
» More
Q4 2015

RF Guru Trades in Q4 2015

Joel Greenblatt 46,797 sh (New)
Jim Simons 208,500 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

Ken Fisher 1,294,553 sh (-1.36%)
» More
» Details

Insider Trades

Latest Guru Trades with RF

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Preferred stocks of Regions Financial Corp

SymbolPriceYieldDescription
RFPRA26.204.56Deposit Shs Repr 1/40th Non Cum Perp Pfd Ser -A-
RFPRB27.464.35Deposit Shs Repr 1/40th Non-Cum Perp Pfd Shs Series -B-

Top Ranked Articles about Regions Financial Corp

Weekly CEO Sells Highlight: Regions Financial Corp, Netflix Inc, BlackRock Inc, and Axalta Coating Systems Ltd.
According to GuruFocus Insider Data, these are the largest CEO sales during the past week: Regions Financial Corp, Netflix Inc, BlackRock Inc, and Axalta Coating Systems Ltd. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 11.98
RF's P/E(ttm) is ranked higher than
54% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. RF: 11.98 )
Ranked among companies with meaningful P/E(ttm) only.
RF' s P/E(ttm) Range Over the Past 10 Years
Min: 5.88  Med: 13.50 Max: 185.85
Current: 11.98
5.88
185.85
Forward P/E 10.07
RF's Forward P/E is ranked higher than
64% of the 368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. RF: 10.07 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.84
RF's PE(NRI) is ranked higher than
55% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. RF: 11.84 )
Ranked among companies with meaningful PE(NRI) only.
RF' s PE(NRI) Range Over the Past 10 Years
Min: 5.89  Med: 13.29 Max: 57.33
Current: 11.84
5.89
57.33
Price/Owner Earnings (ttm) 13.41
RF's Price/Owner Earnings (ttm) is ranked lower than
57% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. RF: 13.41 )
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: 13.41
2.73
110.97
P/B 0.73
RF's P/B is ranked higher than
73% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. RF: 0.73 )
Ranked among companies with meaningful P/B only.
RF' s P/B Range Over the Past 10 Years
Min: 0.15  Med: 0.75 Max: 1.6
Current: 0.73
0.15
1.6
P/S 2.34
RF's P/S is ranked higher than
63% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. RF: 2.34 )
Ranked among companies with meaningful P/S only.
RF' s P/S Range Over the Past 10 Years
Min: 0.29  Med: 2.21 Max: 3.88
Current: 2.34
0.29
3.88
PFCF 8.11
RF's PFCF is ranked higher than
64% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. RF: 8.11 )
Ranked among companies with meaningful PFCF only.
RF' s PFCF Range Over the Past 10 Years
Min: 0.79  Med: 4.19 Max: 109.4
Current: 8.11
0.79
109.4
POCF 8.07
RF's POCF is ranked higher than
57% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. RF: 8.07 )
Ranked among companies with meaningful POCF only.
RF' s POCF Range Over the Past 10 Years
Min: 0.76  Med: 3.98 Max: 147.76
Current: 8.07
0.76
147.76
EV-to-EBIT 10.50
RF's EV-to-EBIT is ranked higher than
64% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. RF: 10.50 )
Ranked among companies with meaningful EV-to-EBIT only.
RF' s EV-to-EBIT Range Over the Past 10 Years
Min: -286.3  Med: 9.85 Max: 79.3
Current: 10.5
-286.3
79.3
EV-to-EBITDA 7.84
RF's EV-to-EBITDA is ranked higher than
74% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. RF: 7.84 )
Ranked among companies with meaningful EV-to-EBITDA only.
RF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -98.9  Med: 7.60 Max: 74.2
Current: 7.84
-98.9
74.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.54
RF's Dividend Yield is ranked higher than
51% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. RF: 2.54 )
Ranked among companies with meaningful Dividend Yield only.
RF' s Dividend Yield Range Over the Past 10 Years
Min: 0.44  Med: 2.08 Max: 33.8
Current: 2.54
0.44
33.8
Dividend Payout 0.30
RF's Dividend Payout is ranked higher than
57% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. RF: 0.30 )
Ranked among companies with meaningful Dividend Payout only.
RF' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.46 Max: 3.8
Current: 0.3
0.04
3.8
Dividend Growth (3y) 65.10
RF's Dividend Growth (3y) is ranked higher than
95% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. RF: 65.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
RF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -34.95 Max: 65.1
Current: 65.1
0
65.1
Forward Dividend Yield 2.77
RF's Forward Dividend Yield is ranked higher than
50% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. RF: 2.77 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.76
RF's Yield on cost (5-Year) is ranked higher than
74% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. RF: 4.76 )
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: 0.82  Med: 3.88 Max: 63.11
Current: 4.76
0.82
63.11
3-Year Average Share Buyback Ratio -3.30
RF's 3-Year Average Share Buyback Ratio is ranked lower than
57% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. RF: -3.30 )
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: -31.1  Med: -11.90 Max: 6.3
Current: -3.3
-31.1
6.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
RF's Price/Tangible Book is ranked higher than
51% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. RF: 1.10 )
Ranked among companies with meaningful Price/Tangible Book only.
RF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.4  Med: 1.44 Max: 4.29
Current: 1.1
0.4
4.29
Price/Projected FCF 0.30
RF's Price/Projected FCF is ranked higher than
88% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. RF: 0.30 )
Ranked among companies with meaningful Price/Projected FCF only.
RF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.65 Max: 2.3
Current: 0.3
0.1
2.3
Price/Median PS Value 1.06
RF's Price/Median PS Value is ranked lower than
57% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. RF: 1.06 )
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: 1.20 Max: 3.01
Current: 1.06
0.19
3.01
Price/Graham Number 0.79
RF's Price/Graham Number is ranked higher than
54% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. RF: 0.79 )
Ranked among companies with meaningful Price/Graham Number only.
RF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.37  Med: 0.97 Max: 2.44
Current: 0.79
0.37
2.44
Earnings Yield (Greenblatt) (%) 9.51
RF's Earnings Yield (Greenblatt) (%) is ranked higher than
67% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. RF: 9.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 8.00 Max: 16.3
Current: 9.51
1.3
16.3
Forward Rate of Return (Yacktman) (%) 32.74
RF's Forward Rate of Return (Yacktman) (%) is ranked higher than
85% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. RF: 32.74 )
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: 29.30 Max: 117
Current: 32.74
5.2
117

More Statistics

Revenue(Mil) $5461
EPS $ 0.79
Beta1.21
Short Percentage of Float2.00%
52-Week Range $7.00 - 10.87
Shares Outstanding(Mil)1287.83

Analyst Estimate

Dec16 Dec17 Dec18
Revenue(Mil) 5,599 5,771 6,002
EPS($) 0.83 0.93 1.05
EPS without NRI($) 0.83 0.93 1.05

Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:USB, NYSE:PNC, NYSE:BBT, NYSE:STI, NAS:HBANO, NYSE:MTB » details
Traded in other countries:RN7.Germany,
Regions Financial Corp was formed in 1971 as First Alabama Bancshares Inc., Alabama's first multibank holding Company. 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. At December 31, 2014, the Company operated 1,997 ATMs and 1,666 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.
» More Articles for RF

Headlines

Articles On GuruFocus.com
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 
David Tepper's Top 5 First-Quarter Stock Buys May 16 2015 
Weekly CFO Buys Highlight: Regions Financial Corp, Southwest Bancorp Inc, AZZ Inc. Feb 01 2015 
The Challenges and Opportunities Facing Regions Financial Nov 14 2014 
13 Large Cap Financials with High Potential to Boost Dividends Oct 10 2013 
Value Investor Arnold Schneider’s Top Five Sells in Second Quarter Aug 24 2013 
Bruce Berkowitz Biggest Dividend Stock Buys Jun 13 2013 

More From Other Websites
Regions Bank Named Gallup Great Workplace Award Winner for the Second Consecutive Year Apr 29 2016
Where Charlotte's biggest banks rank on customer satisfaction survey Apr 29 2016
REGIONS FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 26 2016
ETF’s with exposure to Regions Financial Corp. : April 22, 2016 Apr 22 2016
U.S. regional banks brace for losses from energy loans Apr 22 2016
Regions Financial Corporation Increases Quarterly Common Stock Dividend 8.3 Percent to $0.065 Per... Apr 21 2016
REGIONS FINANCIAL CORP Files SEC form 8-K, Other Events Apr 21 2016
Regions Financial Corporation Increases Quarterly Common Stock Dividend 8.3 Percent to $0.065 Per... Apr 21 2016
Regions Stockholders Elect 11 Directors at Annual Meeting Apr 21 2016
Regions Stockholders Elect 11 Directors at Annual Meeting Apr 21 2016
Regions Financial Corp. :RF-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 21 2016
Regions Financial (RF) Stock Boosted by FBR's Upgrade Apr 20 2016
REGIONS FINANCIAL CORP Financials Apr 20 2016
[$$] Regions Financial Stock Too Cheap to Pass Up Apr 19 2016
Top Analyst Upgrades and Downgrades: Devon Energy, Illumina, Pandora, Panera, Potash, Regions... Apr 19 2016
Regions Fincl upgraded by FBR Capital Apr 19 2016
Marathon Petroleum, Citi, GM slip; Edison Int'l rises Apr 15 2016
Marathon Petroleum, Citi, GM slip; Edison Int'l rises Apr 15 2016
Edited Transcript of RF earnings conference call or presentation 15-Apr-16 3:00pm GMT Apr 15 2016

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