REGIONS FINANCIAL CORP (RF) Stock Fundamental Analysis
NYSE:RF - New York Stock Exchange, Inc. - US7591EP1005 - Common Stock - Currency: USD
Overall RF gets a fundamental rating of 4 out of 10. We evaluated RF against 394 industry peers in the Banks industry. RF has a medium profitability rating, but doesn't score so well on its financial health evaluation. RF is valued correctly, but it does not seem to be growing. RF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
RF had positive earnings in the past year.
In the past year RF had a positive cash flow from operations.
Each year in the past 5 years RF has been profitable.
In the past 5 years RF always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.19%, RF is doing good in the industry, outperforming 78.68% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.23%, RF is in the better half of the industry, outperforming 69.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 10.23% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 26.63%, RF is in the better half of the industry, outperforming 68.53% of the companies in the same industry.
RF's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for RF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.63% | ||
| 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
2. Health
2.1 Basic Checks
RF does not have a ROIC to compare to the WACC, probably because it is not profitable.
RF has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, RF has less shares outstanding
The debt/assets ratio for RF is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of RF is 2.04, which is a good value as it means it would take RF, 2.04 years of fcf income to pay off all of its debts.
RF has a Debt to FCF ratio of 2.04. This is comparable to the rest of the industry: RF outperforms 48.22% of its industry peers.
RF has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
RF has a worse Debt to Equity ratio (0.22) than 60.66% of its industry peers.
Even though the debt/equity ratio score it not favorable for RF, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.61%.
The Earnings Per Share has been growing slightly by 5.75% on average over the past years.
Looking at the last year, RF shows a decrease in Revenue. The Revenue has decreased by -3.42% in the last year.
RF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.71% yearly.
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
The Earnings Per Share is expected to grow by 3.25% on average over the next years.
Based on estimates for the next years, RF will show a small growth in Revenue. The Revenue will grow by 3.63% on average per year.
EPS Next Y13.82%
EPS Next 2Y11.94%
EPS Next 3Y10.58%
EPS Next 5Y3.25%
Revenue Next Year3.15%
Revenue Next 2Y3.7%
Revenue Next 3Y3.63%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.61, which indicates a very decent valuation of RF.
Compared to the rest of the industry, the Price/Earnings ratio of RF indicates a somewhat cheap valuation: RF is cheaper than 64.21% of the companies listed in the same industry.
RF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.
The Price/Forward Earnings ratio is 9.77, which indicates a very decent valuation of RF.
RF's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of RF to the average of the S&P500 Index (35.19), we can say RF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | 9.77 |
4.2 Price Multiples
RF's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.84
PEG (5Y)2.02
EPS Next 2Y11.94%
EPS Next 3Y10.58%
5. Dividend
5.1 Amount
RF has a Yearly Dividend Yield of 4.03%, which is a nice return.
Compared to an average industry Dividend Yield of 3.31, RF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, RF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
5.2 History
On average, the dividend of RF grows each year by 10.40%, which is quite nice.
RF has paid a dividend for at least 10 years, which is 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
5.3 Sustainability
52.69% of the earnings are spent on dividend by RF. This is a bit on the high side, but may be sustainable.
The dividend of RF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP52.69%
EPS Next 2Y11.94%
EPS Next 3Y10.58%
NYSE:RF (7/14/2025, 12:02:09 PM)
24.62
-0.07 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners83.23%
Inst Owner Change0.01%
Ins Owners0.24%
Ins Owner Change4.63%
Market Cap22.13B
Analysts75
Price Target24.66 (0.16%)
Short Float %4.97%
Short Ratio5.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
Yearly Dividend1.09
Dividend Growth(5Y)10.4%
DP52.69%
Div Incr Years12
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.84%
Min EPS beat(2)-2.08%
Max EPS beat(2)-1.6%
EPS beat(4)1
Avg EPS beat(4)-0.58%
Min EPS beat(4)-3.75%
Max EPS beat(4)5.13%
EPS beat(8)2
Avg EPS beat(8)-4.33%
EPS beat(12)3
Avg EPS beat(12)-3.73%
EPS beat(16)6
Avg EPS beat(16)0.99%
Revenue beat(2)0
Avg Revenue beat(2)-5.17%
Min Revenue beat(2)-5.31%
Max Revenue beat(2)-5.02%
Revenue beat(4)0
Avg Revenue beat(4)-4.65%
Min Revenue beat(4)-5.31%
Max Revenue beat(4)-3.66%
Revenue beat(8)0
Avg Revenue beat(8)-3.85%
Revenue beat(12)2
Avg Revenue beat(12)-2.82%
Revenue beat(16)3
Avg Revenue beat(16)-2.56%
PT rev (1m)-0.2%
PT rev (3m)-9.4%
EPS NQ rev (1m)0.35%
EPS NQ rev (3m)-0.14%
EPS NY rev (1m)-1.16%
EPS NY rev (3m)-0.77%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-0.47%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | 9.77 | ||
| P/S | 3.11 | ||
| P/FCF | 11.24 | ||
| P/OCF | 9.76 | ||
| P/B | 1.19 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.12
EY8.61%
EPS(NY)2.52
Fwd EY10.23%
FCF(TTM)2.19
FCFY8.9%
OCF(TTM)2.52
OCFY10.25%
SpS7.92
BVpS20.61
TBVpS12.97
PEG (NY)0.84
PEG (5Y)2.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 10.23% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.63% | ||
| GM | N/A | ||
| FCFM | 27.65% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 253.39% | ||
| Cap/Sales | 4.2% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 103.85% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.24%
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 Y13.82%
EPS Next 2Y11.94%
EPS Next 3Y10.58%
EPS Next 5Y3.25%
Revenue 1Y (TTM)-3.42%
Revenue growth 3Y3.23%
Revenue growth 5Y3.71%
Sales Q2Q%2.12%
Revenue Next Year3.15%
Revenue Next 2Y3.7%
Revenue Next 3Y3.63%
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-17.48%
FCF growth 3Y-23.61%
FCF growth 5Y-11.69%
OCF growth 1Y-16.43%
OCF growth 3Y-19.21%
OCF growth 5Y-9.14%