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Regions Financial

LSE:0KV3
Snowflake Description

Flawless balance sheet established dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0KV3
LSE
$16B
Market Cap
  1. Home
  2. GB
  3. Banks
Company description

Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers in the United States. The last earnings update was 5 days ago. More info.


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0KV3 Share Price and Events
7 Day Returns
0%
LSE:0KV3
0.9%
GB Banks
0.5%
GB Market
1 Year Returns
-20%
LSE:0KV3
-9.3%
GB Banks
0.8%
GB Market
0KV3 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Regions Financial (0KV3) 0% -3.5% -3.4% -20% - -
GB Banks 0.9% 7.9% 5.9% -9.3% 18.7% -10.6%
GB Market 0.5% 3.6% 7.6% 0.8% 15.9% 6.2%
1 Year Return vs Industry and Market
  • 0KV3 underperformed the Banks industry which returned -9.3% over the past year.
  • 0KV3 underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 0.8% over the past year.
Price Volatility
0KV3
Industry
5yr Volatility vs Market

Value

 Is Regions Financial undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Regions Financial to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Regions Financial.

LSE:0KV3 Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 19 analysts.
= Stable Book Value * Return on Equity
= $15.89 * 10.8%
$1.71
Book Value of Equity per Share Weighted future Book Value estimates from 18 analysts. $15.89
Discount Rate (Cost of Equity) See below 7.3%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:0KV3
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.592 (1 + (1- 21%) (93.5%))
1.02
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.02
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (1.02 * 5.96%)
7.3%

Discounted Cash Flow Calculation for LSE:0KV3 using Excess Returns Model Model

The calculations below outline how an intrinsic value for Regions Financial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:0KV3 Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (10.8% – 7.3%) * $15.89)
$0.55
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.55 / (7.3% - 1.23%)
$9.01
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $15.89 + $9.01
$24.9
LSE:0KV3 Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in LSE:0KV3 represents 0.98113x of NYSE:RF
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.98113x
Value per Share
(Listing Adjusted, USD)
= Value per Share (USD) x Listing Adjustment Factor
= $ 24.90 x 0.98113
$24.43
Value per share (USD) From above. $24.43
Current discount Discount to share price of $15.08
= -1 x ($15.08 - $24.43) / $24.43
38.3%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Regions Financial is available for.
Intrinsic value
38%
Share price is $15.08 vs Future cash flow value of $24.43
Current Discount Checks
For Regions Financial to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Regions Financial's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Regions Financial's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Regions Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Regions Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0KV3 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $1.39
NYSE:RF Share Price ** NYSE (2019-04-04) in USD $15.37
United Kingdom of Great Britain and Northern Ireland Banks Industry PE Ratio Median Figure of 15 Publicly-Listed Banks Companies 10.35x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 797 Publicly-Listed Companies 16.29x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Regions Financial.

LSE:0KV3 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NYSE:RF Share Price ÷ EPS (both in USD)

= 15.37 ÷ 1.39

11.03x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Regions Financial is overvalued based on earnings compared to the GB Banks industry average.
  • Regions Financial is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Regions Financial's expected growth come at a high price?
Raw Data
LSE:0KV3 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 11.03x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 20 Analysts
2.3%per year
United Kingdom of Great Britain and Northern Ireland Banks Industry PEG Ratio Median Figure of 14 Publicly-Listed Banks Companies 0.86x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 564 Publicly-Listed Companies 1.48x

*Line of best fit is calculated by linear regression .

LSE:0KV3 PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 11.03x ÷ 2.3%

4.71x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Regions Financial is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Regions Financial's assets?
Raw Data
LSE:0KV3 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $14.50
NYSE:RF Share Price * NYSE (2019-04-04) in USD $15.37
United Kingdom of Great Britain and Northern Ireland Banks Industry PB Ratio Median Figure of 16 Publicly-Listed Banks Companies 0.88x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,367 Publicly-Listed Companies 1.51x
LSE:0KV3 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NYSE:RF Share Price ÷ Book Value per Share (both in USD)

= 15.37 ÷ 14.50

1.06x

* Primary Listing of Regions Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Regions Financial is overvalued based on assets compared to the GB Banks industry average.
X
Value checks
We assess Regions Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Regions Financial has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Regions Financial expected to perform in the next 1 to 3 years based on estimates from 20 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
2.3%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Regions Financial expected to grow at an attractive rate?
  • Regions Financial's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Regions Financial's earnings growth is positive but not above the United Kingdom of Great Britain and Northern Ireland market average.
  • Regions Financial's revenue growth is positive but not above the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:0KV3 Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:0KV3 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 20 Analysts 2.3%
LSE:0KV3 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 20 Analysts 2.5%
United Kingdom of Great Britain and Northern Ireland Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.7%
United Kingdom of Great Britain and Northern Ireland Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.6%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0KV3 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 weeks ago) See Below
Future Estimates Average of up to 20 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0KV3 Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-12-31 1,709
2021-12-31 6,182 1,640 6
2020-12-31 6,080 1,574 11
2019-12-31 5,961 1,565 11
LSE:0KV3 Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 5,462 1,484
2018-12-31 5,533 2,275 1,504
2018-09-30 5,847 1,548 1,434
2018-06-30 5,817 1,789 1,376
2018-03-31 5,767 1,703 1,314
2017-12-31 5,425 2,297 1,177
2017-09-30 5,308 2,218 1,151
2017-06-30 5,362 1,976 1,158
2017-03-31 5,348 1,912 1,114
2016-12-31 5,192 2,037 1,090
2016-09-30 5,298 1,915 1,088
2016-06-30 5,190 2,049 1,031

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Regions Financial's earnings are expected to grow by 2.3% yearly, however this is not considered high growth (20% yearly).
  • Regions Financial's revenue is expected to grow by 2.5% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0KV3 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 weeks ago) See Below
Future Estimates Average of up to 20 Analyst Estimates (S&P Global) See Below

All data from Regions Financial Company Filings, last reported 3 weeks ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0KV3 Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-12-31 2.05 2.05 2.05 1.00
2021-12-31 1.82 1.88 1.70 10.00
2020-12-31 1.68 1.90 1.50 25.00
2019-12-31 1.57 1.60 1.52 25.00
LSE:0KV3 Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 1.39
2018-12-31 1.38
2018-09-30 1.28
2018-06-30 1.20
2018-03-31 1.13
2017-12-31 0.99
2017-09-30 0.96
2017-06-30 0.95
2017-03-31 0.90
2016-12-31 0.87
2016-09-30 0.85
2016-06-30 0.80

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Regions Financial is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Regions Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Regions Financial has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Regions Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Regions Financial's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Regions Financial's year on year earnings growth rate has been positive over the past 5 years.
  • Regions Financial's 1-year earnings growth exceeds its 5-year average (12.9% vs 7.5%)
  • Regions Financial's earnings growth has not exceeded the GB Banks industry average in the past year (12.9% vs 42.2%).
Earnings and Revenue History
Regions Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Regions Financial Company Filings, last reported 3 weeks ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0KV3 Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 5,462.00 1,484.00 2,677.00
2018-12-31 5,533.00 1,504.00 2,694.00
2018-09-30 5,847.00 1,434.00 2,801.00
2018-06-30 5,817.00 1,376.00 2,813.00
2018-03-31 5,767.00 1,314.00 2,808.00
2017-12-31 5,425.00 1,177.00 2,697.00
2017-09-30 5,308.00 1,151.00 2,702.00
2017-06-30 5,362.00 1,158.00 2,725.00
2017-03-31 5,348.00 1,114.00 2,747.00
2016-12-31 5,192.00 1,090.00 2,679.00
2016-09-30 5,298.00 1,088.00 2,770.00
2016-06-30 5,190.00 1,031.00 2,731.00
2016-03-31 5,119.00 1,048.00 2,700.00
2015-12-31 5,074.00 1,011.00 2,667.00
2015-09-30 5,044.00 942.00 2,621.00
2015-06-30 5,062.00 993.00 2,604.00
2015-03-31 5,068.00 1,007.00 2,564.00
2014-12-31 5,114.00 1,082.00 2,560.00
2014-09-30 5,075.00 1,112.00 2,564.00
2014-06-30 5,089.00 1,100.00 2,564.00
2014-03-31 5,085.00 1,073.00 2,574.00
2013-12-31 5,182.00 1,072.00 2,561.00
2013-09-30 5,148.00 1,143.00 2,533.00
2013-06-30 5,166.00 1,170.00 2,529.00
2013-03-31 5,226.00 1,190.00 2,505.00
2012-12-31 5,171.00 1,050.00 2,493.00
2012-09-30 4,930.00 642.00 2,438.00
2012-06-30 4,623.00 417.00 2,360.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Regions Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Regions Financial used its assets more efficiently than the GB Banks industry average last year based on Return on Assets.
  • Unable to establish if Regions Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Regions Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Regions Financial has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Regions Financial's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Regions Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Regions Financial Company Filings, last reported 3 weeks ago.

LSE:0KV3 Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 15,523.00 14,557.00 3,807.00
2018-12-31 15,090.00 14,364.00 2,388.00
2018-09-30 14,770.00 14,858.00 2,180.00
2018-06-30 15,777.00 11,713.00 2,104.00
2018-03-31 15,866.00 8,345.00 2,014.00
2017-12-31 16,192.00 9,273.00 2,476.00
2017-09-30 16,624.00 7,307.00 2,436.00
2017-06-30 16,893.00 8,027.00 2,511.00
2017-03-31 16,722.00 6,863.00 2,380.00
2016-12-31 16,664.00 8,650.00 2,571.00
2016-09-30 17,365.00 6,846.00 5,213.00
2016-06-30 17,385.00 9,915.00 5,624.00
2016-03-31 17,211.00 8,759.00 2,933.00
2015-12-31 16,844.00 9,117.00 2,351.00
2015-09-30 16,952.00 8,267.00 6,193.00
2015-06-30 16,899.00 6,190.00 4,623.00
2015-03-31 17,051.00 6,532.00 7,414.00
2014-12-31 16,873.00 6,969.00 5,325.00
2014-09-30 17,160.00 6,756.00 5,833.00
2014-06-30 17,029.00 6,865.00 6,091.00
2014-03-31 16,132.00 7,386.00 6,415.00
2013-12-31 15,768.00 8,313.00 6,603.00
2013-09-30 15,489.00 7,961.00 5,279.00
2013-06-30 15,329.00 10,200.00 5,799.00
2013-03-31 15,740.00 9,294.00 6,731.00
2012-12-31 15,499.00 9,260.00 7,532.00
2012-09-30 14,901.00 10,098.00 6,110.00
2012-06-30 14,455.00 11,561.00 6,025.00
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Regions Financial has an acceptable proportion of non-loan assets held.
  • Regions Financial's liabilities are made up of primarily low risk sources of funding.
  • Loans at Regions Financial are broadly funded by customer deposits.
  • Regions Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Regions Financial has a sufficient allowance for bad loans.
  • Regions Financial has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Regions Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Regions Financial has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Regions Financial's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
3.64%
Current annual income from Regions Financial dividends. Estimated to be 4.33% next year.
If you bought $2,000 of Regions Financial shares you are expected to receive $73 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Regions Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.02%).
  • Regions Financial's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.19%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0KV3 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 20 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Banks Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 4.9%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.2%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0KV3 Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2022-12-31 0.84 1.00
2021-12-31 0.76 11.00
2020-12-31 0.68 24.00
2019-12-31 0.60 25.00
LSE:0KV3 Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-02-07 0.560 3.645
2018-10-18 0.560 3.664
2018-07-25 0.560 2.967
2018-04-25 0.360 1.944
2018-02-08 0.360 1.896
2017-10-19 0.360 2.126
2017-07-27 0.360 2.492
2017-07-21 0.360 2.499
2017-04-20 0.280 1.974
2017-02-09 0.260 1.764
2016-10-13 0.260 1.996
2016-07-14 0.260 2.716
2016-04-21 0.260 2.842
2016-02-11 0.240 2.997
2015-10-14 0.240 2.644
2015-07-16 0.240 2.483
2015-04-23 0.240 2.352
2015-04-21 0.240 2.489
2015-02-12 0.200 2.084
2014-10-16 0.200 2.052
2014-07-18 0.200 1.996
2014-04-24 0.200 1.919
2014-04-22 0.200 1.929
2014-01-15 0.120 1.134
2013-10-16 0.120 1.230
2013-07-18 0.120 1.239
2013-04-24 0.120 1.309
2013-04-23 0.120 1.479
2013-01-17 0.040 0.504
2012-10-18 0.040 0.587
2012-07-19 0.040 0.560
2012-04-25 0.040 0.619
2012-01-19 0.040 0.677
2011-10-20 0.040 0.967
2011-07-21 0.040 0.968
2011-04-28 0.040 0.618
2011-01-20 0.040 0.543
2010-10-21 0.040 0.628
2010-07-22 0.040 0.565
2010-04-28 0.040 0.544
2010-01-21 0.040 0.554
2009-10-15 0.040 0.729
2009-07-17 0.040 0.763
2009-04-24 0.040 0.926

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Regions Financial's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (2.7x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (2.2x coverage).
X
Income/ dividend checks
We assess Regions Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Regions Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Regions Financial has a total score of 5/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Regions Financial's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
John Turner
COMPENSATION $7,397,623
AGE 56
TENURE AS CEO 0.8 years
CEO Bio

Mr. John M. Turner, Jr., has been President of Regions Financial Corporation and Regions Bank since December 13, 2017 and serves as its Chief Executive Officer and Director since July 2, 2018. Mr. Turner was Head of the Corporate Banking Group at Regions Financial Corporation and Regions Bank since June 2014 and served as its Senior Executive Vice President until December 13, 2017. He serves as Director of Regions Financial Corporation and Regions Bank since July 2, 2018. Mr. Turner served as South Region President at Regions Financial Corporation. Mr. Turner served as Senior Executive Vice President and Central Region President at Regions Financial Corp. He served as Central Region President at Regions Bank since June 23, 2011. He was Manager of RFC Financial Services Holding LLC; Director of Regions Insurance Group, Inc., Director of Regions Equipment Finance Corporation. He joined Regions Financial Corp. in 2011 and oversees banking operations in the Central Region, which includes Alabama, Georgia and South Carolina. Mr. Turner served as the President of Whitney Holding Corp. and it's subsidiary Whitney National Bank since March 2008. Mr. Turner served as an Executive Vice President of Gulf Coast Banking for Whitney Holding Corp., from March 29, 2007 to March 2008. He served as an Executive Vice President of Whitney Holding Corp. and Executive Vice President of Eastern Region at Whitney National Bank from February 2005 to March 2008. He served as Executive Vice President of Gulf Coast Banking at Whitney National Bank since February 2005. He also served as an Executive Vice President of Whitney Holding Corp., and served as an Eastern Region President, responsible for Management of the Banking Operations in Alabama, Mississippi and Northwest Florida. He has over 20 years of banking expertise. He began his career at the Whitney in 1994, as the President of Alabama Region and In 2000, He was named Eastern Region Executive. Before becoming a Whitney Banker, he served several senior positions at AmSouth Bank in both the Retail and Business Divisions including as its Senior Vice President. Mr. Turner served as the Chairman of the United Way of Southwest Alabama Board of Trustees. He served as the Chairman of the Mobile Area Chamber of Commerce and Chairman Mobile Area Education Foundation. He serves as a Board Member Mobile Area Education Foundation. He also serves as a Board Member of the Mobile Infirmary Foundation Board, Gulf Coast Exploreum Science Center, America's Junior Miss, University of Alabama Board of Visitors, St. Paul's Episcopal School and as a Member of the Selection Committee for the J.L. Bedsole Foundation Scholars Program. Additionally, he is a Member of the Mobile Rotary Club. He served as a Director of Whitney Holding Corp. since May 28, 2008. He served as a Board Member of Leadership Mobile and Mobile Area Urban Bankers Association. He was recognized in 2004 by the Association of Fundraising Professionals when he was awarded the Lillian C. McGowin Outstanding Volunteer Civic Leader Award. Mr. Turner also holds a Bachelor of the Arts degree in Economics from the University of Georgia in 1989. He is a Graduate of Leadership Alabama.

CEO Compensation
  • John's compensation has increased by more than 20% in the past year.
  • John's remuneration is higher than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the Regions Financial management team in years:

4.5
Average Tenure
56
Average Age
  • The tenure for the Regions Financial management team is about average.
Management Team

John Turner

TITLE
President
COMPENSATION
$7M
AGE
56
TENURE
0.8 yrs

David Turner

TITLE
Senior EVP & CFO
COMPENSATION
$3M
AGE
54
TENURE
9.2 yrs

John Owen

TITLE
COO & Senior EVP
COMPENSATION
$5M
AGE
57
TENURE
0.8 yrs

Boots Gale

TITLE
Senior EVP
COMPENSATION
$3M
AGE
73

Matt Lusco

TITLE
Senior EVP & Chief Risk Officer
COMPENSATION
$4M
AGE
60
TENURE
8.2 yrs

Brad Kimbrough

TITLE
Executive VP
AGE
54
TENURE
11.7 yrs

Amala Duggirala

TITLE
Chief Information Officer

Tobin Vinson

TITLE
Associate Director of Investor Relations

Dana Nolan

TITLE
EVP & Head of Investor Relations

Kate Danella

TITLE
Executive VP and Head of Strategic Planning & Corporate Development
AGE
39
TENURE
0.7 yrs
Board of Directors Tenure

Average tenure and age of the Regions Financial board of directors in years:

8.9
Average Tenure
68
Average Age
  • The tenure for the Regions Financial board of directors is about average.
Board of Directors

Charles McCrary

TITLE
Independent Chairman of the Board
COMPENSATION
$286K
AGE
67
TENURE
0.3 yrs

John Turner

TITLE
President
COMPENSATION
$7M
AGE
56
TENURE
0.8 yrs

Don DeFosset

TITLE
Independent Director
COMPENSATION
$246K
AGE
69
TENURE
12.4 yrs

Carolyn Byrd

TITLE
Independent Director
COMPENSATION
$253K
AGE
69
TENURE
8.9 yrs

Ruth Marshall

TITLE
Director
COMPENSATION
$252K
AGE
64
TENURE
7.7 yrs

Johnny Johns

TITLE
Director
COMPENSATION
$247K
AGE
66
TENURE
7.5 yrs

Lee Styslinger

TITLE
Director
COMPENSATION
$226K
AGE
57
TENURE
14.8 yrs

Susan Matlock

TITLE
Director
COMPENSATION
$224K
AGE
71
TENURE
14.8 yrs

John Maupin

TITLE
Director
COMPENSATION
$234K
AGE
71
TENURE
11.8 yrs

Eric Fast

TITLE
Director
COMPENSATION
$241K
AGE
69
TENURE
8.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
31. Jul 18 Sell C. Herron Individual 31. Jul 18 31. Jul 18 -23,186 $18.76 $-434,969
31. Jul 18 Sell Susan Matlock Individual 27. Jul 18 27. Jul 18 -24,000 $18.50 $-444,000
11. Jun 18 Sell William Horton Individual 08. Jun 18 08. Jun 18 -18,254 $19.08 $-348,358
24. May 18 Sell Barbara Godin Individual 23. May 18 23. May 18 -20,000 $19.15 $-383,058
15. May 18 Sell C. Lusco Individual 14. May 18 14. May 18 -10,000 $19.23 $-192,314
11. May 18 Sell O. B. Hall Individual 10. May 18 10. May 18 -193,228 $19.34 $-3,736,856
11. May 18 Sell David Turner Individual 10. May 18 10. May 18 -46,374 $19.34 $-896,841
04. May 18 Sell Fournier Gale Individual 02. May 18 03. May 18 -42,180 $18.56 $-775,658
03. May 18 Sell John Owen Individual 01. May 18 02. May 18 -100,000 $18.70 $-1,861,610
01. May 18 Sell Scott Peters Individual 27. Apr 18 27. Apr 18 -70,000 $18.94 $-1,325,730
X
Management checks
We assess Regions Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Regions Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers in the United States. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing services; corresponding deposit products; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, branch small business and indirect loans, consumer credit cards, and other consumer loans, as well as the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. The company also provides investment and insurance products; low income housing tax credit corporate fund syndication services; and other specialty financing services. As of February 21, 2019, it operated 1,500 banking offices and 2,000 automated teller machines across the South, Midwest, and Texas. Regions Financial Corporation was founded in 1852 and is headquartered in Birmingham, Alabama.

Details
Name: Regions Financial Corporation
0KV3
Exchange: LSE
Founded: 1852
$15,569,810,000
1,013,000,000
Website: http://www.regions.com
Address: Regions Financial Corporation
1900 Fifth Avenue North,
Birmingham,
Alabama, 35203,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE RF Common Stock New York Stock Exchange US USD 01. Jul 2004
DB RN7 Common Stock Deutsche Boerse AG DE EUR 01. Jul 2004
LSE 0KV3 Common Stock London Stock Exchange GB USD 01. Jul 2004
NYSE RF.PRA DEPSHS1/40PF A New York Stock Exchange US USD 26. Oct 2012
NYSE RF.PRB DEP SHS PFD B New York Stock Exchange US USD 28. Apr 2014
Number of employees
Current staff
Staff numbers
20,056
Regions Financial employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/23 22:32
End of day share price update: 2019/04/04 00:00
Last estimates confirmation: 2019/04/23
Last earnings filing: 2019/04/18
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.