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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 0.64
RF's Cash to Debt is ranked lower than
62% of the 1075 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. RF: 0.64 )
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: 0.64
0.09
2.17
Equity to Asset 0.13
RF's Equity to Asset is ranked higher than
76% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. RF: 0.13 )
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: 0.13
0.07
0.15
Interest Coverage 5.71
RF's Interest Coverage is ranked higher than
82% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.89 vs. RF: 5.71 )
Ranked among companies with meaningful Interest Coverage only.
RF' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 0.91 Max: 5.17
Current: 5.71
0.19
5.17
F-Score: 4
WACC vs ROIC
8.56%
6.03%
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 (%) 28.30
RF's Operating margin (%) is ranked lower than
57% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.52 vs. RF: 28.30 )
Ranked among companies with meaningful Operating margin (%) only.
RF' s Operating margin (%) Range Over the Past 10 Years
Min: -85.79  Med: 29.08 Max: 37.31
Current: 28.3
-85.79
37.31
Net-margin (%) 19.64
RF's Net-margin (%) is ranked lower than
59% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.98 vs. RF: 19.64 )
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: 25.35
Current: 19.64
-80.91
25.35
ROE (%) 5.89
RF's ROE (%) is ranked lower than
68% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.24 vs. RF: 5.89 )
Ranked among companies with meaningful ROE (%) only.
RF' s ROE (%) Range Over the Past 10 Years
Min: -30.69  Med: 6.18 Max: 9.37
Current: 5.89
-30.69
9.37
ROA (%) 0.86
RF's ROA (%) is ranked lower than
51% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. RF: 0.86 )
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: 0.86
-3.9
1.19
Revenue Growth (3Y)(%) -5.90
RF's Revenue Growth (3Y)(%) is ranked lower than
82% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 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: -23.8  Med: -3.35 Max: 20.7
Current: -5.9
-23.8
20.7
EBITDA Growth (3Y)(%) 31.70
RF's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. RF: 31.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.1  Med: 3.45 Max: 31.7
Current: 31.7
-8.1
31.7
EPS Growth (3Y)(%) 74.00
RF's EPS Growth (3Y)(%) is ranked higher than
95% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. RF: 74.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.7  Med: 3.45 Max: 74
Current: 74
-8.7
74
» RF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

RF Guru Trades in Q1 2015

David Tepper 5,141,898 sh (New)
Paul Tudor Jones 152,417 sh (+716.16%)
Arnold Schneider 2,360,561 sh (+334.83%)
Ray Dalio 29,596 sh (+125.99%)
Joel Greenblatt 34,398 sh (+97.45%)
David Dreman 45,226 sh (+45.96%)
HOTCHKIS & WILEY 14,764,727 sh (+16.19%)
Ken Fisher 959,043 sh (+9.44%)
Jeremy Grantham 381,900 sh (+8.34%)
Richard Pzena 12,204,991 sh (+7.00%)
T Rowe Price Equity Income Fund 10,510,600 sh (unchged)
Jim Simons Sold Out
Caxton Associates Sold Out
Charles Brandes 774,048 sh (-3.09%)
Pioneer Investments 3,253,280 sh (-55.57%)
» More
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

Richard Pzena 25,863,310 sh (+13.57%)
Ken Fisher 1,312,443 sh (-2.01%)
» 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
RFPRA26.064.59Deposit Shs Repr 1/40th Non Cum Perp Pfd Ser -A-
RFPRB26.344.54Deposit 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) 10.71
RF's P/E(ttm) is ranked higher than
90% of the 2209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.47 vs. RF: 10.71 )
Ranked among companies with meaningful P/E(ttm) only.
RF' s P/E(ttm) Range Over the Past 10 Years
Min: 5.88  Med: 13.32 Max: 87.56
Current: 10.71
5.88
87.56
Forward P/E 8.02
RF's Forward P/E is ranked higher than
67% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.51 vs. RF: 8.02 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.61
RF's PE(NRI) is ranked higher than
61% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. RF: 10.61 )
Ranked among companies with meaningful PE(NRI) only.
RF' s PE(NRI) Range Over the Past 10 Years
Min: 5.89  Med: 12.95 Max: 37.5
Current: 10.61
5.89
37.5
P/B 0.65
RF's P/B is ranked higher than
93% of the 2221 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. RF: 0.65 )
Ranked among companies with meaningful P/B only.
RF' s P/B Range Over the Past 10 Years
Min: 0.15  Med: 0.76 Max: 1.6
Current: 0.65
0.15
1.6
P/S 2.01
RF's P/S is ranked higher than
63% of the 2389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. RF: 2.01 )
Ranked among companies with meaningful P/S only.
RF' s P/S Range Over the Past 10 Years
Min: 0.29  Med: 2.32 Max: 3.86
Current: 2.01
0.29
3.86
PFCF 5.59
RF's PFCF is ranked higher than
75% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. RF: 5.59 )
Ranked among companies with meaningful PFCF only.
RF' s PFCF Range Over the Past 10 Years
Min: 0.78  Med: 4.21 Max: 128.85
Current: 5.59
0.78
128.85
POCF 4.88
RF's POCF is ranked higher than
76% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.14 vs. RF: 4.88 )
Ranked among companies with meaningful POCF only.
RF' s POCF Range Over the Past 10 Years
Min: 0.71  Med: 3.99 Max: 198
Current: 4.88
0.71
198
EV-to-EBIT 9.91
RF's EV-to-EBIT is ranked higher than
66% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. RF: 9.91 )
Ranked among companies with meaningful EV-to-EBIT only.
RF' s EV-to-EBIT Range Over the Past 10 Years
Min: -291.4  Med: 10.60 Max: 79.3
Current: 9.91
-291.4
79.3
EV-to-EBITDA 7.16
RF's EV-to-EBITDA is ranked higher than
78% of the 2139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.06 vs. RF: 7.16 )
Ranked among companies with meaningful EV-to-EBITDA only.
RF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -101.5  Med: 7.40 Max: 73.8
Current: 7.16
-101.5
73.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.95
RF's Dividend Yield is ranked lower than
54% of the 2363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. RF: 2.95 )
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: 2.95
0.44
33.8
Dividend Payout 0.30
RF's Dividend Payout is ranked higher than
58% of the 1434 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: 3.76
Current: 0.3
0.04
3.76
Dividend Growth (3y) 65.10
RF's Dividend Growth (3y) is ranked higher than
95% of the 715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 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 3.08
RF's Forward Dividend Yield is ranked lower than
53% of the 2153 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. RF: 3.08 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.49
RF's Yield on cost (5-Year) is ranked higher than
69% of the 2367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. RF: 5.49 )
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: 5.49
0.82
63.11
3-Year Average Share Buyback Ratio -3.30
RF's 3-Year Average Share Buyback Ratio is ranked lower than
59% of the 1056 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 0.96
RF's Price/Tangible Book is ranked higher than
59% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. RF: 0.96 )
Ranked among companies with meaningful Price/Tangible Book only.
RF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.4  Med: 1.46 Max: 4.29
Current: 0.96
0.4
4.29
Price/Projected FCF 0.25
RF's Price/Projected FCF is ranked higher than
85% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. RF: 0.25 )
Ranked among companies with meaningful Price/Projected FCF only.
RF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.69 Max: 2.3
Current: 0.25
0.1
2.3
Price/Median PS Value 0.86
RF's Price/Median PS Value is ranked higher than
64% of the 2020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. RF: 0.86 )
Ranked among companies with meaningful Price/Median PS Value only.
RF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.18  Med: 1.22 Max: 3.31
Current: 0.86
0.18
3.31
Price/Graham Number 0.61
RF's Price/Graham Number is ranked higher than
66% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. RF: 0.61 )
Ranked among companies with meaningful Price/Graham Number only.
RF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.37  Med: 0.92 Max: 2.05
Current: 0.61
0.37
2.05
Earnings Yield (Greenblatt) (%) 10.08
RF's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. RF: 10.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 7.90 Max: 15.9
Current: 10.08
1.3
15.9
Forward Rate of Return (Yacktman) (%) 36.37
RF's Forward Rate of Return (Yacktman) (%) is ranked higher than
82% of the 818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.68 vs. RF: 36.37 )
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: 4.9  Med: 28.90 Max: 117
Current: 36.37
4.9
117

More Statistics

Revenue(Mil) $5406
EPS $ 0.73
Beta1.19
Short Percentage of Float1.96%
52-Week Range $7.08 - 10.87
Shares Outstanding(Mil)1305.47

Analyst Estimate

Dec15 Dec16 Dec17 Dec18
Revenue(Mil) 5,296 5,586 5,800 6,037
EPS($) 0.76 0.85 0.97 1.08
EPS without NRI($) 0.76 0.85 0.97 1.08

Latest Earnings Webcast

» More Conference Calls

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 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 

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Top Analyst Upgrades and Downgrades: IBM, Lennar, Regions, Shake Shack, Shopify, TerraForm,... Jan 19 2016
Regions Fincl upgraded by Piper Jaffray Jan 19 2016
Edited Transcript of RF earnings conference call or presentation 15-Jan-16 4:00pm GMT Jan 15 2016
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