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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.40
RF's Cash-to-Debt is ranked lower than
76% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 vs. RF: 0.40 )
Ranked among companies with meaningful Cash-to-Debt only.
RF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.48 Max: 10.97
Current: 0.4
0.09
10.97
Equity-to-Asset 0.13
RF's Equity-to-Asset is ranked higher than
75% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 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: 0.09 Max: 0.15
Current: 0.13
0.07
0.15
Debt-to-Equity 0.50
RF's Debt-to-Equity is ranked higher than
55% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. RF: 0.50 )
Ranked among companies with meaningful Debt-to-Equity only.
RF' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08  Med: 0.63 Max: 2.64
Current: 0.5
0.08
2.64
Debt-to-EBITDA 1.38
RF's Debt-to-EBITDA is ranked higher than
60% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.24 vs. RF: 1.38 )
Ranked among companies with meaningful Debt-to-EBITDA only.
RF' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.38
Current: 1.38
0
1.38
Beneish M-Score: -2.54
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 : 4/10

vs
industry
vs
history
Net Margin % 23.88
RF's Net Margin % is ranked higher than
50% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.23 vs. RF: 23.88 )
Ranked among companies with meaningful Net Margin % only.
RF' s Net Margin % Range Over the Past 10 Years
Min: -80.91  Med: 20 Max: 23.88
Current: 23.88
-80.91
23.88
ROE % 7.97
RF's ROE % is ranked lower than
59% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. RF: 7.97 )
Ranked among companies with meaningful ROE % only.
RF' s ROE % Range Over the Past 10 Years
Min: -30.69  Med: 6.06 Max: 7.97
Current: 7.97
-30.69
7.97
ROA % 1.11
RF's ROA % is ranked higher than
61% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. RF: 1.11 )
Ranked among companies with meaningful ROA % only.
RF' s ROA % Range Over the Past 10 Years
Min: -3.9  Med: 0.88 Max: 1.11
Current: 1.11
-3.9
1.11
3-Year Revenue Growth Rate 8.30
RF's 3-Year Revenue Growth Rate is ranked higher than
66% of the 1453 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.40 vs. RF: 8.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
RF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -23.7  Med: 1.1 Max: 23.5
Current: 8.3
-23.7
23.5
3-Year EPS without NRI Growth Rate 8.60
RF's 3-Year EPS without NRI Growth Rate is ranked higher than
55% of the 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. RF: 8.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
RF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.95 Max: 86.5
Current: 8.6
0
86.5
GuruFocus has detected 4 Warning Signs with Regions Financial Corp RF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» RF's 30-Y Financials

Financials (Next Earnings Date: 2018-07-20)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q2 2017

RF Guru Trades in Q2 2017

Jeremy Grantham 59,800 sh (New)
Manning & Napier Advisors, Inc 46,715 sh (New)
Ray Dalio 20,021 sh (New)
Michael Price 521,500 sh (unchged)
David Tepper Sold Out
Lee Ainslie Sold Out
Paul Tudor Jones Sold Out
Richard Pzena 19,918,612 sh (-0.23%)
Arnold Schneider 937,298 sh (-1.16%)
HOTCHKIS & WILEY 4,947,667 sh (-20.22%)
Jim Simons 2,577,721 sh (-33.28%)
Ken Fisher 405,789 sh (-51.93%)
David Dreman 1,859 sh (-95.03%)
» More
Q3 2017

RF Guru Trades in Q3 2017

Caxton Associates 17,000 sh (New)
John Hussman 150,000 sh (New)
David Dreman 1,859 sh (unchged)
Michael Price 521,500 sh (unchged)
Ray Dalio Sold Out
Jim Simons Sold Out
Ken Fisher Sold Out
Manning & Napier Advisors, Inc 44,645 sh (-4.43%)
Arnold Schneider 665,298 sh (-29.02%)
Richard Pzena 11,817,778 sh (-40.67%)
HOTCHKIS & WILEY 2,267,167 sh (-54.18%)
Jeremy Grantham 16,900 sh (-71.74%)
» More
Q4 2017

RF Guru Trades in Q4 2017

Jim Simons 64,521 sh (New)
Steven Cohen 355,300 sh (New)
George Soros 303,800 sh (New)
Pioneer Investments 1,142,042 sh (New)
Jeremy Grantham 345,100 sh (+1942.01%)
Michael Price 521,500 sh (unchged)
David Dreman 1,859 sh (unchged)
Caxton Associates Sold Out
Richard Pzena 11,811,834 sh (-0.05%)
HOTCHKIS & WILEY 1,379,567 sh (-39.15%)
John Hussman 75,000 sh (-50.00%)
Arnold Schneider 40,238 sh (-93.95%)
» More
Q1 2018

RF Guru Trades in Q1 2018

Paul Tudor Jones 64,454 sh (New)
Ray Dalio 81,087 sh (New)
Steven Cohen 649,400 sh (+82.78%)
George Soros 496,621 sh (+63.47%)
Jeremy Grantham 403,200 sh (+16.84%)
Pioneer Investments 1,234,839 sh (+8.13%)
David Dreman 1,859 sh (unchged)
Michael Price 521,500 sh (unchged)
Arnold Schneider Sold Out
HOTCHKIS & WILEY Sold Out
Jim Simons Sold Out
John Hussman Sold Out
Richard Pzena 9,758,134 sh (-17.39%)
» 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
Richard Pzena 2018-03-31 Reduce -17.39%0.17%$17.37 - $20.11 $ 18.53-2%9,758,134
George Soros 2018-03-31 Add 63.47%0.07%$17.37 - $20.11 $ 18.53-2%496,621
HOTCHKIS & WILEY 2018-03-31 Sold Out 0.09%$17.37 - $20.11 $ 18.53-2%0
Arnold Schneider 2018-03-31 Sold Out 0.15%$17.37 - $20.11 $ 18.53-2%0
Richard Pzena 2017-12-31 Reduce -0.05%$14.78 - $17.49 $ 18.5316%11,811,834
HOTCHKIS & WILEY 2017-12-31 Reduce -39.15%0.05%$14.78 - $17.49 $ 18.5316%1,379,567
George Soros 2017-12-31 New Buy0.15%$14.78 - $17.49 $ 18.5316%303,800
Arnold Schneider 2017-12-31 Reduce -93.95%1.71%$14.78 - $17.49 $ 18.5316%40,238
Richard Pzena 2017-09-30 Reduce -40.67%0.65%$13.17 - $15.23 $ 18.5329%11,817,778
HOTCHKIS & WILEY 2017-09-30 Reduce -54.18%0.16%$13.17 - $15.23 $ 18.5329%2,267,167
Arnold Schneider 2017-09-30 Reduce -29.02%0.76%$13.17 - $15.23 $ 18.5329%665,298
Ken Fisher 2017-09-30 Sold Out 0.01%$13.17 - $15.23 $ 18.5329%0
Richard Pzena 2017-06-30 Reduce -0.23%$13.34 - $14.66 $ 18.5332%19,918,612
HOTCHKIS & WILEY 2017-06-30 Reduce -20.22%0.07%$13.34 - $14.66 $ 18.5332%4,947,667
Arnold Schneider 2017-06-30 Reduce -1.16%0.03%$13.34 - $14.66 $ 18.5332%937,298
Ken Fisher 2017-06-30 Reduce -51.93%0.01%$13.34 - $14.66 $ 18.5332%405,789
David Dreman 2017-06-30 Reduce -95.03%0.29%$13.34 - $14.66 $ 18.5332%1,859
David Tepper 2017-06-30 Sold Out 2.1%$13.34 - $14.66 $ 18.5332%0
Premium More recent guru trades are included for Premium Members only!!
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Preferred stocks of Regions Financial Corp

SymbolPriceYieldDescription
RFpA.PFD25.656.21Deposit Shs Repr 1/40th Non Cum Perp Pfd Ser -A-
RFpB.PFD26.975.91Deposit Shs Repr 1/40th Non-Cum Perp Pfd Shs Series -B-

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NYSE:KEY, NYSE:CFG, NAS:FITB, NAS:HBAN, NYSE:CMA, NAS:SIVB, NYSE:MTB, NYSE:FRC, NAS:ZION, NYSE:STI, NYSE:CFR, NAS:SBNY, NYSE:CIT, NAS:CBSH, NAS:BOKF, NAS:PACW, NAS:PBCT, NYSE:WAL, NYSE:SNV, NAS:OZRK » details
Traded in other countries:RN7.Germany,
Headquarter Location:USA
Regions Financial Corp is a regional bank headquartered in Alabama, with branches primarily in the southeastern and midwestern United States. It provides banking and bank-related services to individual and corporate customers.

Regions Financial is a regional bank headquartered in Alabama, with branches primarily in the Southeastern and Midwestern United States. Regions primarily provides traditional commercial and retail banking and also offers mortgage services, asset management, wealth management, securities brokerage, insurance, and trust services.

Top Ranked Articles about Regions Financial Corp

New Research Coverage Highlights Graphic Packaging Holding, Regions Financial, Devon Energy, Fifth Third, Gastar Exploration, and Dow Chemical — Consolidated Revenues, Company Growth, and Expectations for 2018
BB&T Insurance Holdings to Acquire Regions Insurance Group
New Research: Key Drivers of Growth for CBS, Regions Financial, ARRIS International, Evolent Health, SunPower, and Pitney Bowes – Factors of Influence, Major Initiatives and Sustained Production
Pzena Investments Exits Staples, Sells Intel, ExxonMobil Fund's largest 3rd-quarter sales
Pzena Investment Management LLC, a global investment management firm, was founded in 1996 by Richard Pzena. During the third quarter the firm sold shares in the following stocks: Read more...
Regions Bank Goes Live on SEI Wealth Platform
Wall Street Opens Without a Clear Direction The market expects more economic data and the appearance of Yellen before Congress
In a volatile morning session, the three major indices are now in the green while the U.S. economy continues to generate jobs and growth at a steady pace, with good data on consumer confidence and investment according to the Federal Reserve's semi-annual report. Although there are few indications of a liquidity crisis in the fixed-income market, there are not any problems with valuations of financial assets. Notwithstanding, the Fed highlighted some long-term problems stemming from weak productivity growth. Read more...

Ratios

vs
industry
vs
history
PE Ratio 16.54
RF's PE Ratio is ranked lower than
68% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.27 vs. RF: 16.54 )
Ranked among companies with meaningful PE Ratio only.
RF' s PE Ratio Range Over the Past 10 Years
Min: 5.85  Med: 13.26 Max: 190.5
Current: 16.54
5.85
190.5
Forward PE Ratio 13.48
RF's Forward PE Ratio is ranked lower than
69% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.87 vs. RF: 13.48 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 16.40
RF's PE Ratio without NRI is ranked lower than
67% of the 1499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.29 vs. RF: 16.40 )
Ranked among companies with meaningful PE Ratio without NRI only.
RF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.85  Med: 13.19 Max: 57.33
Current: 16.4
5.85
57.33
Price-to-Owner-Earnings 14.73
RF's Price-to-Owner-Earnings is ranked higher than
54% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. RF: 14.73 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
RF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.81  Med: 7.97 Max: 18.39
Current: 14.73
1.81
18.39
PB Ratio 1.38
RF's PB Ratio is ranked lower than
64% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. RF: 1.38 )
Ranked among companies with meaningful PB Ratio only.
RF' s PB Ratio Range Over the Past 10 Years
Min: 0.15  Med: 0.73 Max: 1.5
Current: 1.38
0.15
1.5
PS Ratio 3.79
RF's PS Ratio is ranked lower than
62% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. RF: 3.79 )
Ranked among companies with meaningful PS Ratio only.
RF' s PS Ratio Range Over the Past 10 Years
Min: 0.29  Med: 2.14 Max: 4.14
Current: 3.79
0.29
4.14
Price-to-Free-Cash-Flow 14.52
RF's Price-to-Free-Cash-Flow is ranked higher than
54% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. RF: 14.52 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
RF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.78  Med: 4.37 Max: 15.76
Current: 14.52
0.78
15.76
Price-to-Operating-Cash-Flow 12.91
RF's Price-to-Operating-Cash-Flow is ranked higher than
50% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.67 vs. RF: 12.91 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
RF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.71  Med: 4.14 Max: 186.79
Current: 12.91
0.71
186.79
EV-to-Revenue 4.58
RF's EV-to-Revenue is ranked lower than
58% of the 1276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.24 vs. RF: 4.58 )
Ranked among companies with meaningful EV-to-Revenue only.
RF' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.8  Med: 3.2 Max: 5
Current: 4.58
1.8
5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.94
RF's Dividend Yield % is ranked lower than
71% of the 2465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. RF: 1.94 )
Ranked among companies with meaningful Dividend Yield % only.
RF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.44  Med: 1.8 Max: 33.8
Current: 1.94
0.44
33.8
Dividend Payout Ratio 0.30
RF's Dividend Payout Ratio is ranked higher than
85% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. RF: 0.30 )
Ranked among companies with meaningful Dividend Payout Ratio only.
RF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.26 Max: 0.32
Current: 0.3
0.05
0.32
3-Year Dividend Growth Rate 20.50
RF's 3-Year Dividend Growth Rate is ranked higher than
81% of the 836 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. RF: 20.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
RF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 79.2
Current: 20.5
0
79.2
Forward Dividend Yield % 1.94
RF's Forward Dividend Yield % is ranked lower than
73% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. RF: 1.94 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 13.23
RF's 5-Year Yield-on-Cost % is ranked higher than
92% of the 2826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.25 vs. RF: 13.23 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
RF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.97  Med: 12.15 Max: 228.09
Current: 13.23
2.97
228.09
3-Year Average Share Buyback Ratio 5.70
RF's 3-Year Average Share Buyback Ratio is ranked higher than
97% of the 1082 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 vs. RF: 5.70 )
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: -48.7  Med: -10.8 Max: 5.7
Current: 5.7
-48.7
5.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.17
RF's Price-to-Tangible-Book is ranked lower than
83% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. RF: 2.17 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
RF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.4  Med: 1.41 Max: 3.33
Current: 2.17
0.4
3.33
Price-to-Intrinsic-Value-Projected-FCF 0.64
RF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
66% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. RF: 0.64 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
RF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.59 Max: 2.3
Current: 0.64
0.1
2.3
Price-to-Median-PS-Value 1.77
RF's Price-to-Median-PS-Value is ranked lower than
91% of the 1419 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. RF: 1.77 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
RF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.19  Med: 1.18 Max: 2.7
Current: 1.77
0.19
2.7
Price-to-Graham-Number 1.26
RF's Price-to-Graham-Number is ranked lower than
78% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. RF: 1.26 )
Ranked among companies with meaningful Price-to-Graham-Number only.
RF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.37  Med: 1 Max: 1.68
Current: 1.26
0.37
1.68

More Statistics

Revenue (TTM) (Mil) $5,761.00
EPS (TTM) $ 1.12
Beta1.32
Volatility17.10%
52-Week Range $13.03 - 20.21
Shares Outstanding (Mil)1,123.15

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 5,857 6,044 6,216
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 1.44 1.49 1.76
EPS without NRI ($) 1.44 1.49 1.76
EPS Growth Rate
(Future 3Y To 5Y Estimate)
17.00%
Dividends per Share ($) 0.40 0.48 0.65

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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