REGIONS FINANCIAL CORP (RF) Stock Fundamental Analysis
USA - NYSE:RF - US7591EP1005 - Common Stock
24.465 USD
+0.09 (+0.35%)
Taking everything into account, RF scores 4 out of 10 in our fundamental rating. RF was compared to 390 industry peers in the Banks industry. While RF is still in line with the averages on profitability rating, there are concerns on its financial health. RF has a decent growth rate and is not valued too expensively. RF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year RF was profitable.
RF had a positive operating cash flow in the past year.
RF had positive earnings in each of the past 5 years.
In the past 5 years RF always reported a positive cash flow from operatings.
1.2 Ratios
RF has a Return On Assets of 1.23%. This is amongst the best in the industry. RF outperforms 81.03% of its industry peers.
RF has a better Return On Equity (10.46%) than 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 10.46% | ||
| 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
RF's Profit Margin of 26.78% is fine compared to the rest of the industry. RF outperforms 68.21% of its industry peers.
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) | 26.78% | ||
| 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.
Compared to 1 year ago, RF has less shares outstanding
The number of shares outstanding for RF has been reduced compared to 5 years ago.
Compared to 1 year ago, RF has a worse debt to assets ratio.
2.2 Solvency
RF has a debt to FCF ratio of 1.40. This is a very positive value and a sign of high solvency as it would only need 1.40 years to pay back of all of its debts.
RF has a better Debt to FCF ratio (1.40) than 61.03% of its industry peers.
RF has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
RF has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.09%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.01%, which is quite good.
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.
Looking at the last year, RF shows a small growth in Revenue. The Revenue has grown by 4.82% in the last year.
The Revenue has been growing slightly by 3.71% on average over the past years.
EPS 1Y (TTM)17.01%
EPS 3Y-6.76%
EPS 5Y5.75%
EPS Q2Q%7.02%
Revenue 1Y (TTM)4.82%
Revenue growth 3Y3.23%
Revenue growth 5Y3.71%
Sales Q2Q%7.04%
3.2 Future
The Earnings Per Share is expected to grow by 4.99% on average over the next years.
RF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.42% yearly.
EPS Next Y18.63%
EPS Next 2Y14.71%
EPS Next 3Y12.71%
EPS Next 5Y4.99%
Revenue Next Year4.72%
Revenue Next 2Y4.57%
Revenue Next 3Y4.42%
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 stable.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.78, the valuation of RF can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of RF indicates a somewhat cheap valuation: RF is cheaper than 63.85% of the companies listed in the same industry.
RF is valuated cheaply when we compare the Price/Earnings ratio to 26.13, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.25, which indicates a very decent valuation of RF.
62.82% of the companies in the same industry are more expensive than RF, based on the Price/Forward Earnings ratio.
RF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.35, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.78 | ||
| Fwd PE | 9.25 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RF indicates a somewhat cheap valuation: RF is cheaper than 73.08% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.23 | ||
| EV/EBITDA | N/A |
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.
RF's earnings are expected to grow with 12.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)1.88
EPS Next 2Y14.71%
EPS Next 3Y12.71%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.38%, RF is a good candidate for dividend investing.
RF's Dividend Yield is rather good when compared to the industry average which is at 3.43. RF pays more dividend than 82.56% of the companies in the same industry.
RF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.38% |
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
51.51% 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.
DP51.51%
EPS Next 2Y14.71%
EPS Next 3Y12.71%
NYSE:RF (11/6/2025, 3:18:08 PM)
24.465
+0.09 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.66%
Inst Owner Change0.41%
Ins Owners0.24%
Ins Owner Change-0.8%
Market Cap21.65B
Revenue(TTM)7.42B
Net Income(TTM)1.95B
Analysts75
Price Target29.33 (19.89%)
Short Float %4.68%
Short Ratio1.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.38% |
Yearly Dividend1.09
Dividend Growth(5Y)10.4%
DP51.51%
Div Incr Years12
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.14%
Min EPS beat(2)-2.08%
Max EPS beat(2)2.35%
EPS beat(4)2
Avg EPS beat(4)0.95%
Min EPS beat(4)-2.08%
Max EPS beat(4)5.13%
EPS beat(8)3
Avg EPS beat(8)-3.64%
EPS beat(12)3
Avg EPS beat(12)-4.19%
EPS beat(16)6
Avg EPS beat(16)-1.48%
Revenue beat(2)0
Avg Revenue beat(2)-2.89%
Min Revenue beat(2)-5.31%
Max Revenue beat(2)-0.47%
Revenue beat(4)0
Avg Revenue beat(4)-3.62%
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)1
Avg Revenue beat(12)-2.91%
Revenue beat(16)3
Avg Revenue beat(16)-2.51%
PT rev (1m)-0.49%
PT rev (3m)14.73%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)1.75%
EPS NY rev (1m)0.48%
EPS NY rev (3m)4.22%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)0.82%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)1.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.78 | ||
| Fwd PE | 9.25 | ||
| P/S | 2.97 | ||
| P/FCF | 9.23 | ||
| P/OCF | 8.08 | ||
| P/B | 1.16 | ||
| P/tB | 1.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.27
EY9.28%
EPS(NY)2.64
Fwd EY10.81%
FCF(TTM)2.65
FCFY10.83%
OCF(TTM)3.03
OCFY12.38%
SpS8.24
BVpS21.09
TBVpS13.32
PEG (NY)0.58
PEG (5Y)1.88
Graham Number32.82
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 10.46% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.78% | ||
| GM | N/A | ||
| FCFM | 32.15% |
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
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-12.42%
PM growth 5Y-0.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.4 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 348.96% | ||
| Cap/Sales | 4.59% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 120.07% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.09%
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)17.01%
EPS 3Y-6.76%
EPS 5Y5.75%
EPS Q2Q%7.02%
EPS Next Y18.63%
EPS Next 2Y14.71%
EPS Next 3Y12.71%
EPS Next 5Y4.99%
Revenue 1Y (TTM)4.82%
Revenue growth 3Y3.23%
Revenue growth 5Y3.71%
Sales Q2Q%7.04%
Revenue Next Year4.72%
Revenue Next 2Y4.57%
Revenue Next 3Y4.42%
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 1Y18.67%
FCF growth 3Y-23.61%
FCF growth 5Y-11.69%
OCF growth 1Y22.37%
OCF growth 3Y-19.21%
OCF growth 5Y-9.14%
REGIONS FINANCIAL CORP / RF FAQ
What is the fundamental rating for RF stock?
ChartMill assigns a fundamental rating of 4 / 10 to RF.
Can you provide the valuation status for REGIONS FINANCIAL CORP?
ChartMill assigns a valuation rating of 6 / 10 to REGIONS FINANCIAL CORP (RF). This can be considered as Fairly Valued.
What is the profitability of RF stock?
REGIONS FINANCIAL CORP (RF) has a profitability rating of 4 / 10.
How financially healthy is REGIONS FINANCIAL CORP?
The financial health rating of REGIONS FINANCIAL CORP (RF) is 3 / 10.
Can you provide the expected EPS growth for RF stock?
The Earnings per Share (EPS) of REGIONS FINANCIAL CORP (RF) is expected to grow by 18.63% in the next year.