REGIONS FINANCIAL CORP (RF) 22.02 -0.04 (-0.18%)
22.02 -0.04 (-0.18%)
US7591EP1005 - Common Stock - After market: 22.05 +0.03 (+0.14%)
Fundamental Rating
Taking everything into account, RF scores 4 out of 10 in our fundamental rating. RF was compared to 327 industry peers in the Banks industry. RF has a medium profitability rating, but doesn't score so well on its financial health evaluation. RF has a correct valuation and a medium growth rate.
Profitability
Profitability Rating
RF's Return On Assets of 1.27% is amongst the best of the industry. RF does better than the industry average Return On Assets of 1.11%.
RF has a Return On Equity of 13.17%. This is comparable to the industry average of 12.58%.
RF's Profit Margin of 29.18% is in line with the rest of the industry. The industry average Profit Margin is 30.12%.
RF has a Piotroski-F score of 6.00. This indicates an average health and profitability for RF.
VS Industry
ROA (1.27%) VS Industry: 72% outperformed.
-1.10
7.44
ROE (13.17%) VS Industry: 55% outperformed.
2.49
33.74
Profit Margin (29.18%) VS Industry: 43% outperformed.
6.02
51.79
Valuation
Valuation Rating
With a Price/Earnings Ratio of 10.34, the valuation of RF can be described as very reasonable.
The Forward Price/Earnings Ratio of 8.63 indicates a rather cheap valuation of RF.
RF's low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
RF's Price/Earning Ratio is in line with the industry average which is at 10.00.
When comparing the current price to the book value of RF, we can conclude it is valued correctly. It is trading at 1.36 times its book value.
When comparing the price book ratio of RF to the average industry price book ratio of 1.19, RF is valued more expensive than its industry peers.
VS Industry
Price/Earnings (10.34) VS Industry: 46% outperformed.
196.50
0.30
Price/Book (1.36) VS Industry: 34% outperformed.
4.48
0.03
Growth
Growth Rating
Measured over the past 5 years, RF shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.88% on average per year.
The Earnings Per Share is expected to grow by 2.16% on average over the next 5 years.
RF shows a small growth in Revenue. In the last year, the Revenue has grown by 5.52%.
The Revenue has been growing slightly by 3.15% on average over the past 5 years.
Based on estimates for the next 5 years, RF will show a small growth in Revenue. The Revenue will grow by 3.71% on average per year.
The Revenue growth is stable: in the next 5 years the growth will be about the same than in the last 5 years.
RF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.92%.
When comparing the EPS growth rate of the last years to the growth rate of the upcoming 5 years, we see that the growth is decreasing.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 23.88% | 20.71% | -19.92% | -3.76% | 1.44% | 1.64% | 2.16% |
| Revenue | 3.15% | 3.48% | 5.52% | 11.11% | 9.3% | 6.42% | 3.71% |
Health
Health Rating
The Debt to Equity ratio of RF is in line with the industry averages.
The Piotroski-F score of RF is 6.00. This is a neutral score and indicates average health and profitability for RF.
VS Industry
Debt/Equity (0.15) VS Industry: 56% outperformed.
3.83
0.00
Dividend
Dividend Rating
Compared to an average industry Dividend Yield of 3.04, RF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.43, RF pays a bit more dividend than the S&P500 average.
The dividend of RF is nicely growing with an annual growth rate of 15.70%!
RF pays out 36.94% of its income as dividend. This is a sustainable payout ratio.
RF has paid a dividend for at least 10 years, which is a reliable track record.
RF has a Yearly Dividend Yield of 3.50%. Purely for dividend investing, there may be better candidates out there.
RF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
VS Industry
Dividend Yield (3.5%) VS Industry: 63% outperformed.
0.09
19.82
REGIONS FINANCIAL CORP22.02
NYSE:RF (12/9/2022, 7:05:52 PM)-0.04 (-0.18%)
| GICS Sector | Financials | ||
| GICS IndustryGroup | Banks | ||
| GICS Industry | Banks | ||
| Earnings (Last) | 10-21 2022-10-21/bmo | Earnings (Next) | 01-20 2023-01-20 |
| Ins Owners | 0.16% | Inst Owners | 74.8% |
| Market Cap | 20.58B | Analysts | 77.06 |
| PE | 10.34 | Fwd PE | 8.63 |
| PEG (NY) | N/A | PEG (5Y) | 0.43 |
| P/S | 3 | P/B | 1.36 |
| EV/EBITDA | N/A | ||
| Dividend Yield | 3.5% | Dividend Growth | 15.7% |
| DP | 36.94% | Ex-Date | 12-07 2022-12-07 (0.2) |
| EPS 1Y | -19.92% | EPS 3Y | 20.71% |
| EPS 5Y | 23.88% | EPS growth Q2Q | -13.85% |
| EPS Next Y | -3.76% | EPS Next 2Y | 1.44% |
| EPS Next 3Y | 1.64% | EPS Next 5Y | 2.16% |
| Revenue growth 1Y | 5.52% | Revenue growth 3Y | 3.48% |
| Revenue growth 5Y | 3.15% | Revenue growth Q2Q | 15.68% |
| Revenue Next Year | 11.11% | Revenue Next 2Y | 9.3% |
| Revenue Next 3Y | 6.42% | Revenue Next 5Y | 3.71% |
| Current Ratio | N/A | Quick Ratio | N/A |
| Altman-Z | N/A | F-Score | 6 |
| Debt/Equity | 0.15 | WACC | 8.03% |
| ROIC/WACC | N/A | ||
| ROA | 1.27% | ROE | 13.17% |
| ROICexgc | N/A | ROIC | N/A |
| PM | 29.18% | OM | N/A |
| Asset Turnover | 0.04 | ||
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