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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
RFPRA'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. RFPRA: 1.25 )
RFPRA' 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
RFPRA'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. RFPRA: 0.14 )
RFPRA' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.15
Current: 0.14

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

( Industry Median: 1.30 vs. RFPRA: 4.13 )
RFPRA' 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
RFPRA's Operating margin (%) is ranked higher than
79% of the 2021 Companies
in the Global Banks - Regional - US industry.

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

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

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

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

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

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

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

-3.9
1.95
ROC (Joel Greenblatt) (%) 74.50
RFPRA'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. RFPRA: 74.50 )
RFPRA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -150.34   Max: 161.67
Current: 74.5

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

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

-23.8
20.7
» RFPRA's 10-Y Financials

Financials


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

» Details

Insider Trades

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Preferred stocks of Regions Financial Corp

SymbolPriceYieldDescription
RFPRA0.006.41Deposit Shs Repr 1/40th Non Cum Perp Pfd Ser -A-
RFPRB0.003.98Deposit Shs Repr 1/40th Non-Cum Perp Pfd Shs Series -B-

Ratios

vs
industry
vs
history
P/E(ttm) 12.90
RFPRA'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. RFPRA: 12.90 )
RFPRA' s 10-Year P/E(ttm) Range
Min: 5.88   Max: 87.56
Current: 12.9

5.88
87.56
P/B 0.89
RFPRA's P/B is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. RFPRA: 0.89 )
RFPRA' s 10-Year P/B Range
Min: 0.15   Max: 1.97
Current: 0.89

0.15
1.97
P/S 2.80
RFPRA's P/S is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. RFPRA: 2.80 )
RFPRA' s 10-Year P/S Range
Min: 0.29   Max: 3.86
Current: 2.8

0.29
3.86
PFCF 7.51
RFPRA's PFCF is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. RFPRA: 7.51 )
RFPRA' s 10-Year PFCF Range
Min: 0.78   Max: 128.85
Current: 7.51

0.78
128.85
EV-to-EBIT 8.72
RFPRA'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. RFPRA: 8.72 )
RFPRA' s 10-Year EV-to-EBIT Range
Min: -291.4   Max: 79.3
Current: 8.72

-291.4
79.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 6.41
RFPRA's Dividend Yield is ranked lower than
61% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. RFPRA: 6.41 )
RFPRA' s 10-Year Dividend Yield Range
Min: 0.44   Max: 33.8
Current: 6.41

0.44
33.8
Dividend growth (3y) 35.70
RFPRA'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. RFPRA: 35.70 )
RFPRA' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 35.7
Current: 35.7

0
35.7
Yield on cost (5-Year) 4.95
RFPRA'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. RFPRA: 4.95 )
RFPRA' s 10-Year Yield on cost (5-Year) Range
Min: 0.34   Max: 26.02
Current: 4.95

0.34
26.02
Share Buyback Rate -4.70
RFPRA'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. RFPRA: -4.70 )
RFPRA' 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 1.33
RFPRA'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. RFPRA: 1.33 )
RFPRA' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 4.29
Current: 1.33

0.4
4.29
Price/DCF (Projected) 0.33
RFPRA'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. RFPRA: 0.33 )
RFPRA' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 2.3
Current: 0.33

0.1
2.3
Price/Median PS Value 1.19
RFPRA'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. RFPRA: 1.19 )
RFPRA' s 10-Year Price/Median PS Value Range
Min: 0.18   Max: 3.29
Current: 1.19

0.18
3.29
Price/Graham Number 0.82
RFPRA'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. RFPRA: 0.82 )
RFPRA' s 10-Year Price/Graham Number Range
Min: 0.37   Max: 2.1
Current: 0.82

0.37
2.1
Earnings Yield (Greenblatt) 11.50
RFPRA'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. RFPRA: 11.50 )
RFPRA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 15.9
Current: 11.5

1.3
15.9
Forward Rate of Return (Yacktman) 24.61
RFPRA'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. RFPRA: 24.61 )
RFPRA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.8   Max: 117
Current: 24.61

4.8
117

Business Description

Industry: Banks » Banks - Regional - US
Compare: » 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.

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