REGIONS FINANCIAL CORP (RN7.DE) Stock Fundamental Analysis
FRA:RN7 • US7591EP1005
25.4 EUR
+0.2 (+0.79%)
Last: Feb 18, 2026, 07:00 PM
We assign a fundamental rating of 4 out of 10 to RN7. RN7 was compared to 108 industry peers in the Banks industry. RN7 has an average financial health and profitability rating. RN7 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- RN7 had positive earnings in the past year.
- RN7 had a positive operating cash flow in the past year.
- Each year in the past 5 years RN7 has been profitable.
- Of the past 5 years RN7 4 years had a positive operating cash flow.
1.2 Ratios
- RN7 has a better Return On Assets (1.28%) than 82.41% of its industry peers.
- RN7 has a Return On Equity (10.79%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 10.79% | ||
| 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
1.3 Margins
- With a decent Profit Margin value of 27.70%, RN7 is doing good in the industry, outperforming 72.22% of the companies in the same industry.
- RN7's Profit Margin has improved in the last couple of years.
- RN7 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.7% | ||
| 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
2. Health
2.1 Basic Checks
- RN7 does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for RN7 has been reduced compared to 1 year ago.
- The number of shares outstanding for RN7 has been reduced compared to 5 years ago.
- Compared to 1 year ago, RN7 has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of RN7 is 1.66, which is an excellent value as it means it would take RN7, only 1.66 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.66, RN7 belongs to the top of the industry, outperforming 99.07% of the companies in the same industry.
- RN7 has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
- RN7 has a Debt to Equity ratio of 0.24. This is amongst the best in the industry. RN7 outperforms 85.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 13.93% over the past year.
- RN7 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.26% yearly.
- Looking at the last year, RN7 shows a small growth in Revenue. The Revenue has grown by 6.25% in the last year.
- Measured over the past years, RN7 shows a small growth in Revenue. The Revenue has been growing by 3.66% on average per year.
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, RN7 will show a small growth in Earnings Per Share. The EPS will grow by 2.78% on average per year.
- The Revenue is expected to grow by 3.75% on average over the next years.
EPS Next Y17%
EPS Next 2Y13.18%
EPS Next 3Y11.93%
EPS Next 5Y2.78%
Revenue Next Year4.04%
Revenue Next 2Y3.87%
Revenue Next 3Y3.75%
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 decreasing.
- 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
- RN7 is valuated correctly with a Price/Earnings ratio of 13.09.
- Based on the Price/Earnings ratio, RN7 is valued a bit more expensive than the industry average as 74.07% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.10, RN7 is valued rather cheaply.
- The Price/Forward Earnings ratio is 11.19, which indicates a very decent valuation of RN7.
- The rest of the industry has a similar Price/Forward Earnings ratio as RN7.
- RN7 is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.09 | ||
| Fwd PE | 11.19 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of RN7 indicates a somewhat cheap valuation: RN7 is cheaper than 71.30% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.18 | ||
| 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.
PEG (NY)0.77
PEG (5Y)0.72
EPS Next 2Y13.18%
EPS Next 3Y11.93%
5. Dividend
5.1 Amount
- RN7 has a Yearly Dividend Yield of 3.61%.
- Compared to an average industry Dividend Yield of 4.34, RN7 has a dividend in line with its industry peers.
- RN7's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
5.2 History
- On average, the dividend of RN7 grows each year by 9.18%, which is quite nice.
Dividend Growth(5Y)9.18%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- RN7 pays out 48.76% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of RN7 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP48.76%
EPS Next 2Y13.18%
EPS Next 3Y11.93%
FRA:RN7 (2/18/2026, 7:00:00 PM)
25.4
+0.2 (+0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16 2026-01-16/bmo
Earnings (Next)04-17 2026-04-17
Inst Owners87.12%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap22.05B
Revenue(TTM)7.53B
Net Income(TTM)2.06B
Analysts71.25
Price Target26.35 (3.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
Yearly Dividend0.96
Dividend Growth(5Y)9.18%
DP48.76%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.75%
Min EPS beat(2)-0.86%
Max EPS beat(2)2.35%
EPS beat(4)1
Avg EPS beat(4)-0.55%
Min EPS beat(4)-2.08%
Max EPS beat(4)2.35%
EPS beat(8)3
Avg EPS beat(8)-1.5%
EPS beat(12)3
Avg EPS beat(12)-3.64%
EPS beat(16)5
Avg EPS beat(16)-2.8%
Revenue beat(2)0
Avg Revenue beat(2)-1.83%
Min Revenue beat(2)-3.18%
Max Revenue beat(2)-0.47%
Revenue beat(4)0
Avg Revenue beat(4)-3.5%
Min Revenue beat(4)-5.31%
Max Revenue beat(4)-0.47%
Revenue beat(8)0
Avg Revenue beat(8)-3.44%
Revenue beat(12)0
Avg Revenue beat(12)-3.2%
Revenue beat(16)2
Avg Revenue beat(16)-2.74%
PT rev (1m)1.78%
PT rev (3m)53.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)15.61%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-0.7%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.09 | ||
| Fwd PE | 11.19 | ||
| P/S | 3.51 | ||
| P/FCF | 13.18 | ||
| P/OCF | 11.42 | ||
| P/B | 1.37 | ||
| P/tB | 2.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.94
EY7.64%
EPS(NY)2.27
Fwd EY8.94%
FCF(TTM)1.93
FCFY7.58%
OCF(TTM)2.23
OCFY8.76%
SpS7.24
BVpS18.59
TBVpS11.9
PEG (NY)0.77
PEG (5Y)0.72
Graham Number28.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 10.79% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.7% | ||
| GM | N/A | ||
| FCFM | 26.6% |
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-Score9
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.66 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 368.68% | ||
| Cap/Sales | 4.12% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 96.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC13.88%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.93%
EPS 3Y-1%
EPS 5Y18.26%
EPS Q2Q%3.57%
EPS Next Y17%
EPS Next 2Y13.18%
EPS Next 3Y11.93%
EPS Next 5Y2.78%
Revenue 1Y (TTM)6.25%
Revenue growth 3Y1.42%
Revenue growth 5Y3.66%
Sales Q2Q%5.84%
Revenue Next Year4.04%
Revenue Next 2Y3.87%
Revenue Next 3Y3.75%
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 1Y-15.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-14.7%
OCF growth 3YN/A
OCF growth 5YN/A
REGIONS FINANCIAL CORP / RN7.DE FAQ
What is the ChartMill fundamental rating of REGIONS FINANCIAL CORP (RN7.DE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to RN7.DE.
What is the valuation status of REGIONS FINANCIAL CORP (RN7.DE) stock?
ChartMill assigns a valuation rating of 5 / 10 to REGIONS FINANCIAL CORP (RN7.DE). This can be considered as Fairly Valued.
What is the profitability of RN7 stock?
REGIONS FINANCIAL CORP (RN7.DE) has a profitability rating of 4 / 10.
What are the PE and PB ratios of REGIONS FINANCIAL CORP (RN7.DE) stock?
The Price/Earnings (PE) ratio for REGIONS FINANCIAL CORP (RN7.DE) is 13.09 and the Price/Book (PB) ratio is 1.37.
Can you provide the expected EPS growth for RN7 stock?
The Earnings per Share (EPS) of REGIONS FINANCIAL CORP (RN7.DE) is expected to grow by 17% in the next year.