REGIONS FINANCIAL CORP (RF) Fundamental Analysis & Valuation

NYSE:RF • US7591EP1005

Current stock price

27.77 USD
-0.06 (-0.22%)
Last:

This RF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. RF Profitability Analysis

1.1 Basic Checks

  • In the past year RF was profitable.
  • In the past year RF had a positive cash flow from operations.
  • RF had positive earnings in each of the past 5 years.
  • RF had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

1.2 Ratios

  • RF has a better Return On Assets (1.29%) than 78.51% of its industry peers.
  • RF has a better Return On Equity (10.82%) than 66.31% of its industry peers.
Industry RankSector Rank
ROA 1.29%
ROE 10.82%
ROIC N/A
ROA(3y)1.24%
ROA(5y)1.31%
ROE(3y)10.69%
ROE(5y)11.73%
ROIC(3y)N/A
ROIC(5y)N/A
RF Yearly ROA, ROE, ROICRF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • RF's Profit Margin of 27.39% is fine compared to the rest of the industry. RF outperforms 60.74% of its industry peers.
  • In the last couple of years the Profit Margin of RF has grown nicely.
  • 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) 27.39%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.72%
PM growth 5Y11.68%
GM growth 3YN/A
GM growth 5YN/A
RF Yearly Profit, Operating, Gross MarginsRF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. RF Health Analysis

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
RF Yearly Total Debt VS Total AssetsRF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

2.2 Solvency

  • RF has a debt to FCF ratio of 2.45. This is a good value and a sign of high solvency as RF would need 2.45 years to pay back of all of its debts.
  • RF has a Debt to FCF ratio (2.45) which is comparable to the rest of the industry.
  • RF has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.26, RF is doing worse than 64.46% of the companies in the same industry.
  • Although RF's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.45
Altman-Z N/A
ROIC/WACCN/A
WACC13.01%
RF Yearly LT Debt VS Equity VS FCFRF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200M 400M 600M

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4

3. RF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.93% over the past year.
  • The Earnings Per Share has been growing by 18.26% on average over the past years. This is quite good.
  • RF shows a small growth in Revenue. In the last year, the Revenue has grown by 6.25%.
  • The Revenue has been growing slightly by 3.66% on average over the past years.
EPS 1Y (TTM)13.93%
EPS 3Y-1%
EPS 5Y18.26%
EPS Q2Q%3.57%
Revenue 1Y (TTM)6.25%
Revenue growth 3Y1.42%
Revenue growth 5Y3.66%
Sales Q2Q%5.84%

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 7.01% on average per year.
  • RF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.78% yearly.
EPS Next Y16.82%
EPS Next 2Y13.24%
EPS Next 3Y11.82%
EPS Next 5Y7.01%
Revenue Next Year4.01%
Revenue Next 2Y3.88%
Revenue Next 3Y3.78%
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 stable.
RF Yearly Revenue VS EstimatesRF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B
RF Yearly EPS VS EstimatesRF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1 2 3

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5

4. RF Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.13, the valuation of RF can be described as correct.
  • RF's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.18, RF is valued rather cheaply.
  • RF is valuated reasonably with a Price/Forward Earnings ratio of 10.38.
  • The rest of the industry has a similar Price/Forward Earnings ratio as RF.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 37.96, RF is valued rather cheaply.
Industry RankSector Rank
PE 12.13
Fwd PE 10.38
RF Price Earnings VS Forward Price EarningsRF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • RF's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.89
EV/EBITDA N/A
RF Per share dataRF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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)0.72
PEG (5Y)0.66
EPS Next 2Y13.24%
EPS Next 3Y11.82%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. RF Dividend Analysis

5.1 Amount

  • RF has a Yearly Dividend Yield of 3.77%.
  • RF's Dividend Yield is rather good when compared to the industry average which is at 2.53. RF pays more dividend than 83.82% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, RF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.77%

5.2 History

  • The dividend of RF is nicely growing with an annual growth rate of 9.18%!
  • RF has paid a dividend for at least 10 years, which is a reliable track record.
  • RF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.18%
Div Incr Years13
Div Non Decr Years15
RF Yearly Dividends per shareRF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 48.67% of the earnings are spent on dividend by RF. 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.
DP48.67%
EPS Next 2Y13.24%
EPS Next 3Y11.82%
RF Yearly Income VS Free CF VS DividendRF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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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RF Fundamentals: All Metrics, Ratios and Statistics

REGIONS FINANCIAL CORP

NYSE:RF (4/14/2026, 2:39:55 PM)

27.77

-0.06 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16
Earnings (Next)04-17
Inst Owners90.64%
Inst Owner Change0.01%
Ins Owners0.21%
Ins Owner Change3.52%
Market Cap23.72B
Revenue(TTM)7.53B
Net Income(TTM)2.06B
Analysts71.25
Price Target31.01 (11.67%)
Short Float %6.64%
Short Ratio3.93
Dividend
Industry RankSector Rank
Dividend Yield 3.77%
Yearly Dividend1.13
Dividend Growth(5Y)9.18%
DP48.67%
Div Incr Years13
Div Non Decr Years15
Ex-Date03-02
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.51%
Min EPS beat(2)-8.17%
Max EPS beat(2)-0.86%
EPS beat(4)1
Avg EPS beat(4)-2.19%
Min EPS beat(4)-8.17%
Max EPS beat(4)2.35%
EPS beat(8)2
Avg EPS beat(8)-2.86%
EPS beat(12)3
Avg EPS beat(12)-4.14%
EPS beat(16)5
Avg EPS beat(16)-2.42%
Revenue beat(2)0
Avg Revenue beat(2)-3.4%
Min Revenue beat(2)-3.61%
Max Revenue beat(2)-3.18%
Revenue beat(4)0
Avg Revenue beat(4)-3.14%
Min Revenue beat(4)-5.31%
Max Revenue beat(4)-0.47%
Revenue beat(8)0
Avg Revenue beat(8)-3.6%
Revenue beat(12)0
Avg Revenue beat(12)-3.49%
Revenue beat(16)2
Avg Revenue beat(16)-2.8%
PT rev (1m)-1.77%
PT rev (3m)3.93%
EPS NQ rev (1m)-0.45%
EPS NQ rev (3m)-0.79%
EPS NY rev (1m)-0.13%
EPS NY rev (3m)-0.54%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-0.34%
Valuation
Industry RankSector Rank
PE 12.13
Fwd PE 10.38
P/S 3.15
P/FCF 11.89
P/OCF 10.88
P/B 1.25
P/tB 1.94
EV/EBITDA N/A
EPS(TTM)2.29
EY8.25%
EPS(NY)2.68
Fwd EY9.63%
FCF(TTM)2.34
FCFY8.41%
OCF(TTM)2.55
OCFY9.19%
SpS8.81
BVpS22.29
TBVpS14.28
PEG (NY)0.72
PEG (5Y)0.66
Graham Number33.89
Profitability
Industry RankSector Rank
ROA 1.29%
ROE 10.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.39%
GM N/A
FCFM 26.52%
ROA(3y)1.24%
ROA(5y)1.31%
ROE(3y)10.69%
ROE(5y)11.73%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.72%
PM growth 5Y11.68%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.45
Debt/EBITDA N/A
Cap/Depr 220.24%
Cap/Sales 2.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 96.85%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.01%
ROIC/WACCN/A
Cap/Depr(3y)195.93%
Cap/Depr(5y)147.76%
Cap/Sales(3y)3.83%
Cap/Sales(5y)3.85%
Profit Quality(3y)89.44%
Profit Quality(5y)102.94%
High Growth Momentum
Growth
EPS 1Y (TTM)13.93%
EPS 3Y-1%
EPS 5Y18.26%
EPS Q2Q%3.57%
EPS Next Y16.82%
EPS Next 2Y13.24%
EPS Next 3Y11.82%
EPS Next 5Y7.01%
Revenue 1Y (TTM)6.25%
Revenue growth 3Y1.42%
Revenue growth 5Y3.66%
Sales Q2Q%5.84%
Revenue Next Year4.01%
Revenue Next 2Y3.88%
Revenue Next 3Y3.78%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y56.18%
FCF growth 3Y-9.85%
FCF growth 5Y-1.3%
OCF growth 1Y36.48%
OCF growth 3Y-11.08%
OCF growth 5Y-1.26%

REGIONS FINANCIAL CORP / RF Fundamental Analysis FAQ

What is the fundamental rating for RF stock?

ChartMill assigns a fundamental rating of 4 / 10 to RF.


What is the valuation status for RF stock?

ChartMill assigns a valuation rating of 5 / 10 to REGIONS FINANCIAL CORP (RF). This can be considered as Fairly Valued.


How profitable is REGIONS FINANCIAL CORP (RF) stock?

REGIONS FINANCIAL CORP (RF) has a profitability rating of 4 / 10.


Can you provide the financial health for RF stock?

The financial health rating of REGIONS FINANCIAL CORP (RF) is 3 / 10.


Is the dividend of REGIONS FINANCIAL CORP sustainable?

The dividend rating of REGIONS FINANCIAL CORP (RF) is 7 / 10 and the dividend payout ratio is 48.67%.