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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 0.99
RFPRA's Cash to Debt is ranked higher than
69% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. RFPRA: 0.99 )
RFPRA' s 10-Year Cash to Debt Range
Min: 0.13   Max: 1.59
Current: 0.99

0.13
1.59
Equity to Asset 0.14
RFPRA's Equity to Asset is ranked higher than
89% of the 2241 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: 0.14
Current: 0.14

0.07
0.14
Interest Coverage 5.17
RFPRA's Interest Coverage is ranked higher than
89% of the 2151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. RFPRA: 5.17 )
RFPRA' s 10-Year Interest Coverage Range
Min: 0.19   Max: 5.17
Current: 5.17

0.19
5.17
F-Score: 6
Z-Score: 0.16
WACC vs ROIC
10.02%
7.15%
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 (%) 31.35
RFPRA's Operating margin (%) is ranked higher than
75% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.14 vs. RFPRA: 31.35 )
RFPRA' s 10-Year Operating margin (%) Range
Min: -85.79   Max: 39.99
Current: 31.35

-85.79
39.99
Net-margin (%) 22.65
RFPRA's Net-margin (%) is ranked higher than
75% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.16 vs. RFPRA: 22.65 )
RFPRA' s 10-Year Net-margin (%) Range
Min: -80.91   Max: 26.77
Current: 22.65

-80.91
26.77
ROE (%) 6.95
RFPRA's ROE (%) is ranked higher than
67% of the 2347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. RFPRA: 6.95 )
RFPRA' s 10-Year ROE (%) Range
Min: -30.55   Max: 23.34
Current: 6.95

-30.55
23.34
ROA (%) 0.97
RFPRA's ROA (%) is ranked higher than
78% of the 2356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. RFPRA: 0.97 )
RFPRA' s 10-Year ROA (%) Range
Min: -3.9   Max: 1.95
Current: 0.97

-3.9
1.95
ROC (Joel Greenblatt) (%) 72.75
RFPRA's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 2318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 87.69 vs. RFPRA: 72.75 )
RFPRA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -150.34   Max: 342.29
Current: 72.75

-150.34
342.29
Revenue Growth (3Y)(%) -5.90
RFPRA's Revenue Growth (3Y)(%) is ranked higher than
57% of the 1995 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. RFPRA: -5.90 )
RFPRA' s 10-Year Revenue Growth (3Y)(%) Range
Min: -23.8   Max: 20.7
Current: -5.9

-23.8
20.7
EBITDA Growth (3Y)(%) 31.70
RFPRA's EBITDA Growth (3Y)(%) is ranked higher than
94% of the 1805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. RFPRA: 31.70 )
RFPRA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -8.1   Max: 31.7
Current: 31.7

-8.1
31.7
EPS Growth (3Y)(%) 74.00
RFPRA's EPS Growth (3Y)(%) is ranked higher than
98% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. RFPRA: 74.00 )
RFPRA' s 10-Year EPS Growth (3Y)(%) Range
Min: -8.7   Max: 74
Current: 74

-8.7
74
» RFPRA's 10-Y Financials

Financials


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

» Details

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Preferred stocks of Regions Financial Corp

SymbolPriceYieldDescription
RFPRA25.366.34Deposit Shs Repr 1/40th Non Cum Perp Pfd Ser -A-
RFPRB26.305.35Deposit Shs Repr 1/40th Non-Cum Perp Pfd Shs Series -B-

Ratios

vs
industry
vs
history
P/E(ttm) 11.60
RFPRA's P/E(ttm) is ranked higher than
86% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. RFPRA: 11.60 )
RFPRA' s 10-Year P/E(ttm) Range
Min: 5.88   Max: 87.56
Current: 11.6

5.88
87.56
Forward P/E 10.89
RFPRA's Forward P/E is ranked higher than
84% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RFPRA: 10.89 )
N/A
PE(NRI) 11.80
RFPRA's PE(NRI) is ranked higher than
87% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. RFPRA: 11.80 )
RFPRA' s 10-Year PE(NRI) Range
Min: 5.89   Max: 37.5
Current: 11.8

5.89
37.5
P/B 0.82
RFPRA's P/B is ranked higher than
86% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. RFPRA: 0.82 )
RFPRA' s 10-Year P/B Range
Min: 0.15   Max: 1.97
Current: 0.82

0.15
1.97
P/S 2.62
RFPRA's P/S is ranked higher than
73% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.82 vs. RFPRA: 2.62 )
RFPRA' s 10-Year P/S Range
Min: 0.29   Max: 3.86
Current: 2.62

0.29
3.86
PFCF 7.25
RFPRA's PFCF is ranked higher than
88% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RFPRA: 7.25 )
RFPRA' s 10-Year PFCF Range
Min: 0.78   Max: 128.85
Current: 7.25

0.78
128.85
POCF 6.38
RFPRA's POCF is ranked higher than
89% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 225.87 vs. RFPRA: 6.38 )
RFPRA' s 10-Year POCF Range
Min: 0.71   Max: 198
Current: 6.38

0.71
198
EV-to-EBIT 8.57
RFPRA's EV-to-EBIT is ranked higher than
91% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. RFPRA: 8.57 )
RFPRA' s 10-Year EV-to-EBIT Range
Min: -291.4   Max: 79.3
Current: 8.57

-291.4
79.3
Shiller P/E 222.48
RFPRA's Shiller P/E is ranked higher than
70% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RFPRA: 222.48 )
RFPRA' s 10-Year Shiller P/E Range
Min: 3.23   Max: 267
Current: 222.48

3.23
267
Days Sales Outstanding 22.19
RFPRA's Days Sales Outstanding is ranked higher than
94% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RFPRA: 22.19 )
RFPRA' s 10-Year Days Sales Outstanding Range
Min: 21.63   Max: 116.18
Current: 22.19

21.63
116.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 6.28
RFPRA's Dividend Yield is ranked lower than
57% of the 2193 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. RFPRA: 6.28 )
RFPRA' s 10-Year Dividend Yield Range
Min: 0.44   Max: 33.8
Current: 6.28

0.44
33.8
Dividend growth (3y) 65.10
RFPRA's Dividend growth (3y) is ranked higher than
97% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. RFPRA: 65.10 )
RFPRA' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 65.1
Current: 65.1

0
65.1
Yield on cost (5-Year) 11.72
RFPRA's Yield on cost (5-Year) is ranked higher than
67% of the 2203 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. RFPRA: 11.72 )
RFPRA' s 10-Year Yield on cost (5-Year) Range
Min: 0.82   Max: 63.11
Current: 11.72

0.82
63.11
Share Buyback Rate -3.30
RFPRA's Share Buyback Rate is ranked higher than
67% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. RFPRA: -3.30 )
RFPRA' s 10-Year Share Buyback Rate Range
Min: 6.3   Max: -31.1
Current: -3.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.23
RFPRA's Price/Tangible Book is ranked higher than
78% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. RFPRA: 1.23 )
RFPRA' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 4.05
Current: 1.23

0.71
4.05
Price/DCF (Projected) 0.31
RFPRA's Price/DCF (Projected) is ranked higher than
96% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RFPRA: 0.31 )
RFPRA' s 10-Year Price/DCF (Projected) Range
Min: 0.13   Max: 1.94
Current: 0.31

0.13
1.94
Price/Median PS Value 1.10
RFPRA's Price/Median PS Value is ranked higher than
79% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. RFPRA: 1.10 )
RFPRA' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 3.06
Current: 1.1

0.29
3.06
Price/Graham Number 0.77
RFPRA's Price/Graham Number is ranked higher than
84% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. RFPRA: 0.77 )
RFPRA' s 10-Year Price/Graham Number Range
Min: 0.61   Max: 1.92
Current: 0.77

0.61
1.92
Earnings Yield (Greenblatt) 11.70
RFPRA's Earnings Yield (Greenblatt) is ranked higher than
88% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. RFPRA: 11.70 )
RFPRA' 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) 27.34
RFPRA's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.52 vs. RFPRA: 27.34 )
RFPRA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.8   Max: 117
Current: 27.34

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 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.

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