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RF (Regions Financial) Cyclically Adjusted Book per Share : $17.82 (As of Dec. 2024)


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What is Regions Financial Cyclically Adjusted Book per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Regions Financial's adjusted book value per share for the three months ended in Dec. 2024 was $17.792. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $17.82 for the trailing ten years ended in Dec. 2024.

During the past 12 months, Regions Financial's average Cyclically Adjusted Book Growth Rate was 4.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 5.50% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.60% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was -0.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Regions Financial was 8.00% per year. The lowest was -9.30% per year. And the median was 5.40% per year.

As of today (2025-04-29), Regions Financial's current stock price is $20.46. Regions Financial's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2024 was $17.82. Regions Financial's Cyclically Adjusted PB Ratio of today is 1.15.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Regions Financial was 1.68. The lowest was 0.44. And the median was 1.15.


Regions Financial Cyclically Adjusted Book per Share Historical Data

The historical data trend for Regions Financial's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Regions Financial Cyclically Adjusted Book per Share Chart

Regions Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.73 15.16 16.37 17.12 17.82

Regions Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17.47 17.61 17.75 17.82 -

Competitive Comparison of Regions Financial's Cyclically Adjusted Book per Share

For the Banks - Regional subindustry, Regions Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Regions Financial's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Regions Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Regions Financial's Cyclically Adjusted PB Ratio falls into.


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Regions Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Regions Financial's adjusted Book Value per Share data for the three months ended in Dec. 2024 was:

Adj_Book= Book Value per Share /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=17.792/133.1571*133.1571
=17.792

Current CPI (Dec. 2024) = 133.1571.

Regions Financial Quarterly Data

Book Value per Share CPI Adj_Book
201503 12.054 99.621 16.112
201506 12.060 100.684 15.950
201509 12.355 100.392 16.387
201512 12.352 99.792 16.482
201603 12.858 100.470 17.041
201606 13.157 101.688 17.229
201609 13.382 101.861 17.494
201612 13.045 101.863 17.053
201703 13.195 102.862 17.081
201706 13.402 103.349 17.267
201709 13.567 104.136 17.348
201712 13.555 104.011 17.353
201803 13.403 105.290 16.950
201806 13.422 106.317 16.810
201809 13.217 106.507 16.524
201812 13.884 105.998 17.441
201903 14.504 107.251 18.007
201906 15.240 108.070 18.778
201909 15.834 108.329 19.463
201912 15.654 108.420 19.226
202003 16.734 108.902 20.461
202006 16.609 108.767 20.333
202009 16.921 109.815 20.518
202012 17.132 109.897 20.758
202103 16.869 111.754 20.100
202106 17.384 114.631 20.193
202109 17.752 115.734 20.424
202112 17.695 117.630 20.031
202203 16.425 121.301 18.030
202206 15.891 125.017 16.926
202209 14.462 125.227 15.378
202212 15.290 125.222 16.259
202303 16.290 127.348 17.033
202306 15.965 128.729 16.514
202309 15.389 129.860 15.780
202312 17.098 129.419 17.592
202403 16.759 131.776 16.935
202406 16.953 132.554 17.030
202409 18.627 133.029 18.645
202412 17.792 133.157 17.792

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.


Regions Financial  (NYSE:RF) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Regions Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=20.46/17.82
=1.15

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Regions Financial was 1.68. The lowest was 0.44. And the median was 1.15.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Regions Financial Cyclically Adjusted Book per Share Related Terms

Thank you for viewing the detailed overview of Regions Financial's Cyclically Adjusted Book per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Regions Financial Business Description

Industry
Address
1900 Fifth Avenue North, Birmingham, AL, USA, 35203
Regions Financial is a regional bank based 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, and trust services.
Executives
Joia M Johnson director C/O HANESBRANDS INC., 1000 EAST HANES MILL ROAD, WINSTON SALEM NC 27105
Jose S Suquet director
William D. Ritter officer: SEVP 1901 6TH AVENUE NORTH, 18TH FLOOR, BIRMINGHAM AL 35203
C. Matthew Lusco officer: SEVP & CRO P.O. BOX 11007 1900 FIFTH AVENUE NORTH, BIRMINGHAM AL 35203
Ronald G. Smith officer: SEVP 1901 6TH AVENUE NORTH, 18TH FLOOR, BIRMINGHAM AL 35203
Mark A. Crosswhite director 600 NORTH 18TH STREET, BIRMINGHAM AL 35203
J Thomas Hill director 1200 URBAN CENTER DRIVE, BIRMINGHAM AL 35242
Noopur Davis director PO BOX 10247, BIRMINGHAM AL 35202-0247
Charles Dandridge Massey officer: SEVP PO BOX 10247, BIRMINGHAM AL 35202-0247
Karin K Allen officer: Principal Accounting Officer PO BOX 10247, BIRMINGHAM AL 35202-0247
Charles D Mccrary director, other: Non-Executive Chair 30 IVAN ALLEN JR. BLVD. NW, ATLANTA GA 30308
Amala Duggirala officer: SEVP PO BOX 10247, BIRMINGHAM AL 35202-0247
Turner David J Jr officer: CFO P O BOX 11007, 1900 FIFTH AVENUE NORTH, BIRMINGHAM AL 35203
Scott M. Peters officer: SEVP 1901 6TH AVENUE NORTH, 18TH FLOOR, BIRMINGHAM AL 35203
David R. Keenan officer: EVP P. O. BOX 11007, 1900 FIFTH AVENUE NORTH, BIRMINGHAM AL 35203