Switch to:

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 1.25
RF's Cash to Debt is ranked higher than
75% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. RF: 1.25 )
RF' s 10-Year Cash to Debt Range
Min: 0.09   Max: 2.17
Current: 1.25

0.09
2.17
Equity to Asset 0.14
RF's Equity to Asset is ranked higher than
90% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. RF: 0.14 )
RF' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.15
Current: 0.14

0.07
0.15
Interest Coverage 4.13
RF's Interest Coverage is ranked higher than
88% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. RF: 4.13 )
RF' s 10-Year Interest Coverage Range
Min: 0.19   Max: 4.13
Current: 4.13

0.19
4.13
F-Score: 7
Z-Score: 0.17
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 (%) 31.62
RF's Operating margin (%) is ranked higher than
79% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. RF: 31.62 )
RF' s 10-Year Operating margin (%) Range
Min: -85.79   Max: 39.99
Current: 31.62

-85.79
39.99
Net-margin (%) 22.56
RF's Net-margin (%) is ranked higher than
77% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. RF: 22.56 )
RF' s 10-Year Net-margin (%) Range
Min: -80.91   Max: 26.77
Current: 22.56

-80.91
26.77
ROE (%) 7.18
RF's ROE (%) is ranked higher than
70% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. RF: 7.18 )
RF' s 10-Year ROE (%) Range
Min: -30.55   Max: 23.34
Current: 7.18

-30.55
23.34
ROA (%) 0.99
RF's ROA (%) is ranked higher than
81% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RF: 0.99 )
RF' s 10-Year ROA (%) Range
Min: -3.9   Max: 1.95
Current: 0.99

-3.9
1.95
ROC (Joel Greenblatt) (%) 74.50
RF's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. RF: 74.50 )
RF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -150.34   Max: 161.67
Current: 74.5

-150.34
161.67
Revenue Growth (%) -7.80
RF's Revenue Growth (%) is ranked higher than
58% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. RF: -7.80 )
RF' s 10-Year Revenue Growth (%) Range
Min: -23.8   Max: 20.7
Current: -7.8

-23.8
20.7
» RF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

RF Guru Trades in Q4 2013

George Soros 3,510,534 sh (New)
Paul Tudor Jones 101,922 sh (+73.34%)
Steven Cohen 81,499 sh (+41.62%)
David Dreman 14,219 sh (+30.23%)
Jeremy Grantham 754,267 sh (+19.06%)
Joel Greenblatt 40,814 sh (+6.61%)
Charles Brandes 530,236 sh (+3.21%)
HOTCHKIS & WILEY 11,228,500 sh (+2.5%)
Pioneer Investments 12,773,714 sh (+1.17%)
Richard Pzena 5,592,411 sh (+0.03%)
Brian Rogers 11,010,600 sh (unchged)
Ray Dalio Sold Out
Arnold Schneider 1,594,905 sh (-26.63%)
Caxton Associates 200,000 sh (-33.33%)
Jim Simons 3,806,064 sh (-36.93%)
» More
Q1 2014

RF Guru Trades in Q1 2014

John Burbank 11,896 sh (New)
Caxton Associates 721,200 sh (+260.6%)
David Dreman 25,165 sh (+76.98%)
Jim Simons 6,568,991 sh (+72.59%)
Pioneer Investments 13,585,018 sh (+6.35%)
Richard Pzena 5,770,361 sh (+3.18%)
HOTCHKIS & WILEY 11,271,200 sh (+0.38%)
George Soros Sold Out
Charles Brandes 529,580 sh (-0.12%)
Brian Rogers 10,510,600 sh (-4.54%)
Jeremy Grantham 547,397 sh (-27.43%)
Steven Cohen 54,420 sh (-33.23%)
Paul Tudor Jones 54,070 sh (-46.95%)
Joel Greenblatt 20,088 sh (-50.78%)
Arnold Schneider 702,003 sh (-55.98%)
» More
Q2 2014

RF Guru Trades in Q2 2014

George Soros 964,300 sh (New)
Ken Fisher 903,781 sh (New)
Louis Moore Bacon 2,400,000 sh (New)
David Dreman 40,649 sh (+61.53%)
Caxton Associates 971,200 sh (+34.66%)
HOTCHKIS & WILEY 14,414,500 sh (+27.89%)
Charles Brandes 676,104 sh (+27.67%)
Richard Pzena 6,266,836 sh (+8.6%)
Brian Rogers 10,510,600 sh (unchged)
John Burbank Sold Out
Pioneer Investments 13,274,090 sh (-2.29%)
Joel Greenblatt 17,982 sh (-10.48%)
Arnold Schneider 559,193 sh (-20.34%)
Paul Tudor Jones 41,900 sh (-22.51%)
Jeremy Grantham 284,100 sh (-48.1%)
Jim Simons 2,241,321 sh (-65.88%)
» More
Q3 2014

RF Guru Trades in Q3 2014

Steven Cohen 1,266,200 sh (New)
Paul Tudor Jones 87,561 sh (+108.98%)
Jeremy Grantham 416,300 sh (+46.53%)
Arnold Schneider 630,070 sh (+12.67%)
Richard Pzena 7,006,620 sh (+11.8%)
Joel Greenblatt 19,813 sh (+10.18%)
Charles Brandes 738,228 sh (+9.19%)
Pioneer Investments 14,101,080 sh (+6.23%)
Brian Rogers 10,510,600 sh (unchged)
George Soros Sold Out
Ken Fisher 901,793 sh (-0.22%)
HOTCHKIS & WILEY 13,536,627 sh (-6.09%)
Jim Simons 2,069,521 sh (-7.67%)
David Dreman 29,919 sh (-26.4%)
Caxton Associates 679,800 sh (-30%)
Louis Moore Bacon 500,000 sh (-79.17%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
George Soros 2014-09-30 Sold Out 0.08%$9.71 - $10.87 $ 10.220%0
David Dreman 2014-09-30 Reduce -26.4%0.01%$9.71 - $10.87 $ 10.220%29919
Arnold Schneider 2014-06-30 Reduce -20.34%0.17%$9.88 - $11.25 $ 10.22-2%559193
HOTCHKIS & WILEY 2014-06-30 Add 27.89%0.12%$9.88 - $11.25 $ 10.22-2%14414500
George Soros 2014-06-30 New Buy0.08%$9.88 - $11.25 $ 10.22-2%964300
Charles Brandes 2014-06-30 Add 27.67%0.02%$9.88 - $11.25 $ 10.22-2%676104
Ken Fisher 2014-06-30 New Buy0.02%$9.88 - $11.25 $ 10.22-2%903781
David Dreman 2014-06-30 Add 61.53%0.01%$9.88 - $11.25 $ 10.22-2%40649
John Burbank 2014-06-30 Sold Out $9.88 - $11.25 $ 10.22-2%0
Arnold Schneider 2014-03-31 Reduce -55.98%0.78%$9.82 - $11.3 $ 10.22-3%702003
George Soros 2014-03-31 Sold Out 0.29%$9.82 - $11.3 $ 10.22-3%0
David Dreman 2014-03-31 Add 76.98%0.01%$9.82 - $11.3 $ 10.22-3%25165
Joel Greenblatt 2014-03-31 Reduce -50.78%$9.82 - $11.3 $ 10.22-3%20088
John Burbank 2014-03-31 New Buy$9.82 - $11.3 $ 10.22-3%11896
Arnold Schneider 2013-12-31 Reduce -26.63%0.48%$9.22 - $10.11 $ 10.226%1594905
George Soros 2013-12-31 New Buy0.29%$9.22 - $10.11 $ 10.226%3510534
Ray Dalio 2013-12-31 Sold Out 0.02%$9.22 - $10.11 $ 10.226%0
David Dreman 2013-12-31 Add 30.23%$9.22 - $10.11 $ 10.226%14219
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Regions Financial Corp

SymbolPriceYieldDescription
RFPRA0.006.43Deposit Shs Repr 1/40th Non Cum Perp Pfd Ser -A-
RFPRB0.004.00Deposit Shs Repr 1/40th Non-Cum Perp Pfd Shs Series -B-

Ratios

vs
industry
vs
history
P/E(ttm) 12.70
RF's P/E(ttm) is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. RF: 12.70 )
RF' s 10-Year P/E(ttm) Range
Min: 5.88   Max: 87.56
Current: 12.7

5.88
87.56
P/B 0.87
RF's P/B is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. RF: 0.87 )
RF' s 10-Year P/B Range
Min: 0.15   Max: 1.97
Current: 0.87

0.15
1.97
P/S 2.74
RF's P/S is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. RF: 2.74 )
RF' s 10-Year P/S Range
Min: 0.29   Max: 3.86
Current: 2.74

0.29
3.86
PFCF 7.35
RF's PFCF is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. RF: 7.35 )
RF' s 10-Year PFCF Range
Min: 0.78   Max: 128.85
Current: 7.35

0.78
128.85
EV-to-EBIT 8.52
RF's EV-to-EBIT is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. RF: 8.52 )
RF' s 10-Year EV-to-EBIT Range
Min: -291.4   Max: 79.3
Current: 8.52

-291.4
79.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.76
RF's Dividend Yield is ranked lower than
61% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. RF: 1.76 )
RF' s 10-Year Dividend Yield Range
Min: 0.44   Max: 33.8
Current: 1.76

0.44
33.8
Dividend Payout 0.20
RF's Dividend Payout is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. RF: 0.20 )
RF' s 10-Year Dividend Payout Range
Min: 0.04   Max: 3.76
Current: 0.2

0.04
3.76
Dividend growth (3y) 35.70
RF's Dividend growth (3y) is ranked higher than
94% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. RF: 35.70 )
RF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 35.7
Current: 35.7

0
35.7
Yield on cost (5-Year) 1.39
RF's Yield on cost (5-Year) is ranked lower than
70% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. RF: 1.39 )
RF' s 10-Year Yield on cost (5-Year) Range
Min: 0.34   Max: 26.02
Current: 1.39

0.34
26.02
Share Buyback Rate -4.70
RF's Share Buyback Rate is ranked higher than
65% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. RF: -4.70 )
RF' s 10-Year Share Buyback Rate Range
Min: 6.3   Max: -31.1
Current: -4.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
RF's Price/Tangible Book is ranked higher than
78% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. RF: 1.30 )
RF' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 4.29
Current: 1.3

0.4
4.29
Price/DCF (Projected) 0.33
RF's Price/DCF (Projected) is ranked higher than
95% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. RF: 0.33 )
RF' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 2.3
Current: 0.33

0.1
2.3
Price/Median PS Value 1.17
RF's Price/Median PS Value is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. RF: 1.17 )
RF' s 10-Year Price/Median PS Value Range
Min: 0.18   Max: 3.29
Current: 1.17

0.18
3.29
Price/Graham Number 0.80
RF's Price/Graham Number is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. RF: 0.80 )
RF' s 10-Year Price/Graham Number Range
Min: 0.37   Max: 2.1
Current: 0.8

0.37
2.1
Earnings Yield (Greenblatt) 11.70
RF's Earnings Yield (Greenblatt) is ranked higher than
90% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. RF: 11.70 )
RF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 15.9
Current: 11.7

1.3
15.9
Forward Rate of Return (Yacktman) 25.32
RF's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. RF: 25.32 )
RF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.8   Max: 117
Current: 25.32

4.8
117

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » 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 was renamed Regions Financial Corp. in 1994 to reflect its growing presence throughout the South. Its merger with Memphis, Tenn-based Union Planters Corp. took place in July 2004. Its merger with AmSouth Bancorporation on November 4, 2006, created a Southeast-based financial powerhouse ranking banks in the nation. It is a financial holding company headquartered in Birmingham, Alabama, which operates in the South, Midwest and Texas. 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 and other specialty financing. It conducts its banking operations through Regions Bank, an Alabama chartered commercial bank that is a member of the Federal Reserve System. The Company operated 2,029 ATMs and 1,705 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 in three reportable segments; Business Services, Consumer Services and Wealth Management. The Business Services segment represents the Company's commercial banking functions including commercial and industrial, commercial real estate and investor real estate lending. It also includes equipment lease financing. The Consumer Services segment represents the Company's branch network, including consumer banking products and services related to residential first mortgages, home equity lines and loans, indirect loans, consumer credit cards and other consumer loans, as well as the corresponding deposit relationships. The Wealth Management segment offers individuals, businesses, governmental institutions and non-profit entities in a range of solutions to help protect, grow and transfer wealth. Its subsidiaries compete with other financial institutions located in the states in which it operate and other adjoining states, as well as large banks in financial centers and other financial intermediaries, such as savings and loan associations, credit unions, Internet banks, finance companies, mutual funds, insurance companies, brokerage and investment banking firms, mortgage companies and financial service operations of commercial and retail corporations. The Company is subject to extensive state and federal regulation, supervision and examination governing almost all aspects of its operations, which limits the businesses in which the Company permissibly engage.
» More Articles for RF

Headlines

Articles On GuruFocus.com
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 
U.S. Housing Rebound Makes Wells Fargo a Choice Stock to Buy Now! Nov 30 2012 
comment on RF Nov 19 2012 
comment on RF Oct 29 2012 
comment on RF Oct 22 2012 
comment on RF Oct 08 2012 
Do You Average Down? Guru Strategy Series (I) Mar 20 2012 


More From Other Websites
Retail sales jump in November Dec 11 2014
Regions Bank Shares the Good with Thousands of People in Dozens of Communities Dec 10 2014
Jimmy Henderson, Columbiana, Ala., Branch Manager, Receives Regions Bank’s Top Associate Honor Dec 10 2014
REGIONS FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure Dec 09 2014
Bulls banking on Regions Financial Dec 02 2014
Regions Insurance Expands in Florida with the Addition of the Teaberry Health and Welfare Benefits... Dec 02 2014
Regions Insurance Establishes Captive Practice Group; Expands Operations in Georgia Dec 02 2014
Regions Insurance Opens Dallas Office Dec 02 2014
Regions Financial Scheduled to Participate in Goldman Sachs U.S. Financial Services Conference Dec 02 2014
Regions Financial Scheduled to Participate in Goldman Sachs U.S. Financial Services Conference Dec 02 2014
Regions Insurance Establishes Captive Practice Group; Expands Operations in Georgia Dec 02 2014
Regions Insurance Expands in Florida with the Addition of the Teaberry Health and Welfare Benefits... Dec 02 2014
Regions Insurance Opens Dallas Office Dec 02 2014
Single-family home building jumps in October Nov 19 2014
REGIONS FINANCIAL CORP Financials Nov 14 2014
Regions Cards now available for use with Apple Pay Nov 13 2014
Regions Cards now available for use with Apple Pay Nov 13 2014
Regions Video Tellers, Universal Banking and Expanded Access Featured in New Concept Branch Model Nov 13 2014
Betty Gonzales, O’Fallon, Mo. Bank Teller, Receives Regions Bank’s Top Associate Honor Nov 12 2014
10-Q for Regions Financial Corp. Nov 07 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK