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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 0.70
RFPRA's Cash to Debt is ranked lower than
59% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. RFPRA: 0.70 )
Ranked among companies with meaningful Cash to Debt only.
RFPRA' s 10-Year Cash to Debt Range
Min: 0.09  Med: 0.37 Max: 2.17
Current: 0.7
0.09
2.17
Equity to Asset 0.14
RFPRA's Equity to Asset is ranked higher than
81% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. RFPRA: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
RFPRA' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.12 Max: 0.15
Current: 0.14
0.07
0.15
Interest Coverage 5.17
RFPRA's Interest Coverage is ranked higher than
81% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. RFPRA: 5.17 )
Ranked among companies with meaningful Interest Coverage only.
RFPRA' s 10-Year Interest Coverage Range
Min: 0.19  Med: 0.55 Max: 5.17
Current: 5.17
0.19
5.17
F-Score: 6
WACC vs ROIC
9.76%
6.46%
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 (%) 28.20
RFPRA's Operating margin (%) is ranked lower than
56% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. RFPRA: 28.20 )
Ranked among companies with meaningful Operating margin (%) only.
RFPRA' s 10-Year Operating margin (%) Range
Min: -85.78  Med: 31.28 Max: 40.96
Current: 28.2
-85.78
40.96
Net-margin (%) 20.05
RFPRA's Net-margin (%) is ranked lower than
57% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. RFPRA: 20.05 )
Ranked among companies with meaningful Net-margin (%) only.
RFPRA' s 10-Year Net-margin (%) Range
Min: -80.91  Med: 22.18 Max: 27.56
Current: 20.05
-80.91
27.56
ROE (%) 6.10
RFPRA's ROE (%) is ranked lower than
67% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. RFPRA: 6.10 )
Ranked among companies with meaningful ROE (%) only.
RFPRA' s 10-Year ROE (%) Range
Min: -30.55  Med: 9.37 Max: 17.32
Current: 6.1
-30.55
17.32
ROA (%) 0.88
RFPRA's ROA (%) is ranked higher than
51% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. RFPRA: 0.88 )
Ranked among companies with meaningful ROA (%) only.
RFPRA' s 10-Year ROA (%) Range
Min: -3.9  Med: 1.18 Max: 1.41
Current: 0.88
-3.9
1.41
Revenue Growth (3Y)(%) -5.90
RFPRA's Revenue Growth (3Y)(%) is ranked lower than
81% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. RFPRA: -5.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RFPRA' s 10-Year Revenue Growth (3Y)(%) Range
Min: -23.8  Med: 0.00 Max: 20.7
Current: -5.9
-23.8
20.7
EBITDA Growth (3Y)(%) 31.70
RFPRA's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. RFPRA: 31.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RFPRA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -8.1  Med: 5.70 Max: 31.7
Current: 31.7
-8.1
31.7
EPS Growth (3Y)(%) 74.00
RFPRA's EPS Growth (3Y)(%) is ranked higher than
96% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. RFPRA: 74.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RFPRA' s 10-Year EPS Growth (3Y)(%) Range
Min: -8.7  Med: 5.70 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
RFPRA25.396.28Deposit Shs Repr 1/40th Non Cum Perp Pfd Ser -A-
RFPRB25.916.15Deposit Shs Repr 1/40th Non-Cum Perp Pfd Shs Series -B-

Ratios

vs
industry
vs
history
P/E(ttm) 12.70
RFPRA's P/E(ttm) is ranked higher than
53% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. RFPRA: 12.70 )
Ranked among companies with meaningful P/E(ttm) only.
RFPRA' s 10-Year P/E(ttm) Range
Min: 5.88  Med: 13.57 Max: 87.56
Current: 12.7
5.88
87.56
Forward P/E 11.15
RFPRA's Forward P/E is ranked higher than
57% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. RFPRA: 11.15 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.70
RFPRA's PE(NRI) is ranked higher than
53% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. RFPRA: 12.70 )
Ranked among companies with meaningful PE(NRI) only.
RFPRA' s 10-Year PE(NRI) Range
Min: 5.89  Med: 13.15 Max: 37.5
Current: 12.7
5.89
37.5
P/B 0.81
RFPRA's P/B is ranked higher than
71% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. RFPRA: 0.81 )
Ranked among companies with meaningful P/B only.
RFPRA' s 10-Year P/B Range
Min: 0.15  Med: 0.80 Max: 1.6
Current: 0.81
0.15
1.6
P/S 2.51
RFPRA's P/S is ranked higher than
59% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. RFPRA: 2.51 )
Ranked among companies with meaningful P/S only.
RFPRA' s 10-Year P/S Range
Min: 0.29  Med: 2.41 Max: 3.86
Current: 2.51
0.29
3.86
PFCF 7.06
RFPRA's PFCF is ranked higher than
66% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. RFPRA: 7.06 )
Ranked among companies with meaningful PFCF only.
RFPRA' s 10-Year PFCF Range
Min: 0.78  Med: 4.22 Max: 128.85
Current: 7.06
0.78
128.85
POCF 6.24
RFPRA's POCF is ranked higher than
65% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. RFPRA: 6.24 )
Ranked among companies with meaningful POCF only.
RFPRA' s 10-Year POCF Range
Min: 0.71  Med: 3.99 Max: 198
Current: 6.24
0.71
198
EV-to-EBIT 10.28
RFPRA's EV-to-EBIT is ranked higher than
67% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. RFPRA: 10.28 )
Ranked among companies with meaningful EV-to-EBIT only.
RFPRA' s 10-Year EV-to-EBIT Range
Min: -291.4  Med: 10.80 Max: 79.3
Current: 10.28
-291.4
79.3
Shiller P/E 66.00
RFPRA's Shiller P/E is ranked lower than
96% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. RFPRA: 66.00 )
Ranked among companies with meaningful Shiller P/E only.
RFPRA' s 10-Year Shiller P/E Range
Min: 3.21  Med: 13.43 Max: 267
Current: 66
3.21
267
Days Sales Outstanding 21.16
RFPRA's Days Sales Outstanding is ranked higher than
78% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. RFPRA: 21.16 )
Ranked among companies with meaningful Days Sales Outstanding only.
RFPRA' s 10-Year Days Sales Outstanding Range
Min: 21.63  Med: 56.70 Max: 117.29
Current: 21.16
21.63
117.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 6.28
RFPRA's Dividend Yield is ranked lower than
62% of the 2262 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. RFPRA: 6.28 )
Ranked among companies with meaningful Dividend Yield only.
RFPRA' s 10-Year Dividend Yield Range
Min: 0.44  Med: 1.99 Max: 33.8
Current: 6.28
0.44
33.8
Dividend growth (3y) 65.10
RFPRA's Dividend growth (3y) is ranked higher than
95% of the 671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. RFPRA: 65.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
RFPRA' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 65.1
Current: 65.1
0
65.1
Yield on cost (5-Year) 11.67
RFPRA's Yield on cost (5-Year) is ranked higher than
63% of the 2265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. RFPRA: 11.67 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RFPRA' s 10-Year Yield on cost (5-Year) Range
Min: 0.82  Med: 3.72 Max: 63.11
Current: 11.67
0.82
63.11
Share Buyback Rate -3.30
RFPRA's Share Buyback Rate is ranked lower than
57% of the 1012 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. RFPRA: -3.30 )
Ranked among companies with meaningful Share Buyback Rate only.
RFPRA' s 10-Year Share Buyback Rate Range
Min: 6.3  Med: -11.90 Max: -31.1
Current: -3.3

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) (%) 9.70
RFPRA's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. RFPRA: 9.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RFPRA' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.3  Med: 7.40 Max: 15.9
Current: 9.7
1.3
15.9
Forward Rate of Return (Yacktman) (%) 27.23
RFPRA's Forward Rate of Return (Yacktman) (%) is ranked higher than
72% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. RFPRA: 27.23 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RFPRA' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 4.8  Med: 28.10 Max: 117
Current: 27.23
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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