REGIONS FINANCIAL CORP (RF)

US7591EP1005 - Common Stock

19.465  -0.3 (-1.54%)

Fundamental Rating

4

Overall RF gets a fundamental rating of 4 out of 10. We evaluated RF against 411 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 it does not seem to be growing. RF also has an excellent dividend rating.



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4

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

RF has a better Return On Assets (1.30%) than 82.24% of its industry peers.
The Return On Equity of RF (11.34%) is better than 73.48% of its industry peers.
Industry RankSector Rank
ROA 1.3%
ROE 11.34%
ROIC N/A
ROA(3y)1.38%
ROA(5y)1.2%
ROE(3y)12.63%
ROE(5y)10.52%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

RF's Profit Margin of 26.08% is fine compared to the rest of the industry. RF outperforms 61.56% of its industry peers.
RF's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for RF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.08%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y18.28%
PM growth 5Y-2.22%
GM growth 3YN/A
GM growth 5YN/A

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3

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
RF has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of RF is 1.19, which is an excellent value as it means it would take RF, only 1.19 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of RF (1.19) is better than 73.24% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that RF is not too dependend on debt financing.
RF's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. RF outperforms 70.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.19
Altman-Z N/A
ROIC/WACCN/A
WACC14.07%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

RF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.20%.
RF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.21% yearly.
Looking at the last year, RF shows a small growth in Revenue. The Revenue has grown by 5.00% in the last year.
Measured over the past years, RF shows a small growth in Revenue. The Revenue has been growing by 5.45% on average per year.
EPS 1Y (TTM)-7.2%
EPS 3Y30.3%
EPS 5Y9.21%
EPS growth Q2Q-25.76%
Revenue 1Y (TTM)5%
Revenue growth 3Y6.41%
Revenue growth 5Y5.45%
Revenue growth Q2Q-9.5%

3.2 Future

Based on estimates for the next years, RF will show a small growth in Earnings Per Share. The EPS will grow by 1.67% on average per year.
Based on estimates for the next years, RF will show a small growth in Revenue. The Revenue will grow by 0.66% on average per year.
EPS Next Y-7.83%
EPS Next 2Y1.8%
EPS Next 3Y3.83%
EPS Next 5Y1.67%
Revenue Next Year-6.3%
Revenue Next 2Y-1.02%
Revenue Next 3Y0.66%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4

4. Valuation

4.1 Price/Earnings Ratio

RF is valuated reasonably with a Price/Earnings ratio of 8.89.
The rest of the industry has a similar Price/Earnings ratio as RF.
Compared to an average S&P500 Price/Earnings ratio of 25.25, RF is valued rather cheaply.
A Price/Forward Earnings ratio of 9.64 indicates a reasonable valuation of RF.
Based on the Price/Forward Earnings ratio, RF is valued a bit cheaper than the industry average as 64.23% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of RF to the average of the S&P500 Index (21.67), we can say RF is valued rather cheaply.
Industry RankSector Rank
PE 8.89
Fwd PE 9.64

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of RF is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 9.1
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.97
EPS Next 2Y1.8%
EPS Next 3Y3.83%

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8

5. Dividend

5.1 Amount

RF has a Yearly Dividend Yield of 4.96%, which is a nice return.
RF's Dividend Yield is a higher than the industry average which is at 3.89.
RF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 4.96%

5.2 History

The dividend of RF is nicely growing with an annual growth rate of 14.80%!
RF has been paying a dividend for at least 10 years, so it has a reliable track record.
RF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)14.8%
Div Incr Years11
Div Non Decr Years13

5.3 Sustainability

RF pays out 44.79% of its income as dividend. 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.
DP44.79%
EPS Next 2Y1.8%
EPS Next 3Y3.83%

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REGIONS FINANCIAL CORP

NYSE:RF (4/25/2024, 10:17:06 AM)

19.465

-0.3 (-1.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap17.89B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 4.96%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 8.89
Fwd PE 9.64
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.97
Profitability
Industry RankSector Rank
ROA 1.3%
ROE 11.34%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 26.08%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-7.2%
EPS 3Y30.3%
EPS 5Y
EPS growth Q2Q
EPS Next Y-7.83%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)5%
Revenue growth 3Y6.41%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y