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REGIONS FINANCIAL CORP (RF) Stock Fundamental Analysis

NYSE:RF - New York Stock Exchange, Inc. - US7591EP1005 - Common Stock - Currency: USD

21.05  +0.54 (+2.63%)

After market: 21.05 0 (0%)

Fundamental Rating

4

Taking everything into account, RF scores 4 out of 10 in our fundamental rating. RF was compared to 398 industry peers in the Banks industry. There are concerns on the financial health of RF while its profitability can be described as average. RF has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally RF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

RF had positive earnings in the past year.
RF had a positive operating cash flow in the past year.
Each year in the past 5 years RF has been profitable.
Each year in the past 5 years RF had a positive operating cash flow.
RF Yearly Net Income VS EBIT VS OCF VS FCFRF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

1.2 Ratios

RF has a Return On Assets of 1.13%. This is in the better half of the industry: RF outperforms 75.13% of its industry peers.
RF's Return On Equity of 9.92% is fine compared to the rest of the industry. RF outperforms 64.82% of its industry peers.
Industry RankSector Rank
ROA 1.13%
ROE 9.92%
ROIC N/A
ROA(3y)1.27%
ROA(5y)1.19%
ROE(3y)11.57%
ROE(5y)10.66%
ROIC(3y)N/A
ROIC(5y)N/A
RF Yearly ROA, ROE, ROICRF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of RF (25.05%) is better than 60.05% of its industry peers.
In the last couple of years the Profit Margin of RF has remained more or less at the same level.
RF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.05%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.42%
PM growth 5Y-0.33%
GM growth 3YN/A
GM growth 5YN/A
RF Yearly Profit, Operating, Gross MarginsRF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

RF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RF has less shares outstanding
RF has less shares outstanding than it did 5 years ago.
RF has a worse debt/assets ratio than last year.
RF Yearly Shares OutstandingRF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
RF Yearly Total Debt VS Total AssetsRF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

RF has a debt to FCF ratio of 3.12. This is a good value and a sign of high solvency as RF would need 3.12 years to pay back of all of its debts.
RF's Debt to FCF ratio of 3.12 is on the low side compared to the rest of the industry. RF is outperformed by 61.31% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that RF is not too dependend on debt financing.
RF has a Debt to Equity ratio of 0.25. This is in the lower half of the industry: RF underperforms 62.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 3.12
Altman-Z N/A
ROIC/WACCN/A
WACC14.82%
RF Yearly LT Debt VS Equity VS FCFRF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RF Yearly Current Assets VS Current LiabilitesRF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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3

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.61% over the past year.
Measured over the past 5 years, RF shows a small growth in Earnings Per Share. The EPS has been growing by 5.75% on average per year.
RF shows a decrease in Revenue. In the last year, the revenue decreased by -3.42%.
Measured over the past years, RF shows a small growth in Revenue. The Revenue has been growing by 3.71% on average per year.
EPS 1Y (TTM)7.61%
EPS 3Y-6.76%
EPS 5Y5.75%
EPS Q2Q%27.5%
Revenue 1Y (TTM)-3.42%
Revenue growth 3Y3.23%
Revenue growth 5Y3.71%
Sales Q2Q%2.12%

3.2 Future

RF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.25% yearly.
The Revenue is expected to grow by 3.66% on average over the next years.
EPS Next Y14.17%
EPS Next 2Y11.86%
EPS Next 3Y10.01%
EPS Next 5Y3.25%
Revenue Next Year3.43%
Revenue Next 2Y3.86%
Revenue Next 3Y3.66%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
RF Yearly Revenue VS EstimatesRF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B
RF Yearly EPS VS EstimatesRF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0.5 1 1.5 2 2.5

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.93, the valuation of RF can be described as reasonable.
RF's Price/Earnings ratio is a bit cheaper when compared to the industry. RF is cheaper than 77.89% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.22. RF is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.37, which indicates a very decent valuation of RF.
Based on the Price/Forward Earnings ratio, RF is valued a bit cheaper than the industry average as 75.63% of the companies are valued more expensively.
RF is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.86, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.93
Fwd PE 8.37
RF Price Earnings VS Forward Price EarningsRF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

RF's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.81
EV/EBITDA N/A
RF Per share dataRF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.7
PEG (5Y)1.73
EPS Next 2Y11.86%
EPS Next 3Y10.01%

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8

5. Dividend

5.1 Amount

RF has a Yearly Dividend Yield of 4.87%, which is a nice return.
Compared to an average industry Dividend Yield of 3.52, RF pays a better dividend. On top of this RF pays more dividend than 84.17% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, RF pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.87%

5.2 History

On average, the dividend of RF grows each year by 10.40%, which is quite nice.
RF has been paying a dividend for at least 10 years, so it has a reliable track record.
RF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.4%
Div Incr Years12
Div Non Decr Years14
RF Yearly Dividends per shareRF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

RF pays out 56.03% of its income as dividend. This is a bit on the high side, but may be sustainable.
RF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP56.03%
EPS Next 2Y11.86%
EPS Next 3Y10.01%
RF Yearly Income VS Free CF VS DividendRF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B
RF Dividend Payout.RF Dividend Payout, showing the Payout Ratio.RF Dividend Payout.PayoutRetained Earnings

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REGIONS FINANCIAL CORP

NYSE:RF (5/2/2025, 8:20:59 PM)

After market: 21.05 0 (0%)

21.05

+0.54 (+2.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-18 2025-07-18/bmo
Inst Owners82.54%
Inst Owner Change0.15%
Ins Owners0.22%
Ins Owner Change4.76%
Market Cap18.92B
Analysts76.13
Price Target24.82 (17.91%)
Short Float %5.05%
Short Ratio4.43
Dividend
Industry RankSector Rank
Dividend Yield 4.87%
Yearly Dividend1.09
Dividend Growth(5Y)10.4%
DP56.03%
Div Incr Years12
Div Non Decr Years14
Ex-Date06-02 2025-06-02 (0.25)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.76%
Min EPS beat(2)-1.6%
Max EPS beat(2)5.13%
EPS beat(4)1
Avg EPS beat(4)-3.53%
Min EPS beat(4)-13.9%
Max EPS beat(4)5.13%
EPS beat(8)2
Avg EPS beat(8)-5.12%
EPS beat(12)4
Avg EPS beat(12)-2.49%
EPS beat(16)7
Avg EPS beat(16)2.93%
Revenue beat(2)0
Avg Revenue beat(2)-4.34%
Min Revenue beat(2)-5.02%
Max Revenue beat(2)-3.66%
Revenue beat(4)0
Avg Revenue beat(4)-4.06%
Min Revenue beat(4)-5.02%
Max Revenue beat(4)-2.94%
Revenue beat(8)0
Avg Revenue beat(8)-3.67%
Revenue beat(12)2
Avg Revenue beat(12)-2.69%
Revenue beat(16)4
Avg Revenue beat(16)-2.18%
PT rev (1m)-12.57%
PT rev (3m)-13.34%
EPS NQ rev (1m)-0.31%
EPS NQ rev (3m)0.73%
EPS NY rev (1m)-0.47%
EPS NY rev (3m)-1.57%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.84%
Revenue NY rev (1m)-1.22%
Revenue NY rev (3m)-1.66%
Valuation
Industry RankSector Rank
PE 9.93
Fwd PE 8.37
P/S 2.67
P/FCF 14.81
P/OCF 11.84
P/B 1.06
P/tB 1.73
EV/EBITDA N/A
EPS(TTM)2.12
EY10.07%
EPS(NY)2.52
Fwd EY11.95%
FCF(TTM)1.42
FCFY6.75%
OCF(TTM)1.78
OCFY8.44%
SpS7.88
BVpS19.89
TBVpS12.2
PEG (NY)0.7
PEG (5Y)1.73
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 9.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.05%
GM N/A
FCFM 18.04%
ROA(3y)1.27%
ROA(5y)1.19%
ROE(3y)11.57%
ROE(5y)10.66%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.42%
PM growth 5Y-0.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 3.12
Debt/EBITDA N/A
Cap/Depr 222.22%
Cap/Sales 4.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 72.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC14.82%
ROIC/WACCN/A
Cap/Depr(3y)158.21%
Cap/Depr(5y)112.88%
Cap/Sales(3y)4.76%
Cap/Sales(5y)3.98%
Profit Quality(3y)99.47%
Profit Quality(5y)126.58%
High Growth Momentum
Growth
EPS 1Y (TTM)7.61%
EPS 3Y-6.76%
EPS 5Y5.75%
EPS Q2Q%27.5%
EPS Next Y14.17%
EPS Next 2Y11.86%
EPS Next 3Y10.01%
EPS Next 5Y3.25%
Revenue 1Y (TTM)-3.42%
Revenue growth 3Y3.23%
Revenue growth 5Y3.71%
Sales Q2Q%2.12%
Revenue Next Year3.43%
Revenue Next 2Y3.86%
Revenue Next 3Y3.66%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year19.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-34.96%
FCF growth 3Y-23.61%
FCF growth 5Y-11.69%
OCF growth 1Y-30.76%
OCF growth 3Y-19.21%
OCF growth 5Y-9.14%