NYSE:RF.PRA

Stock Analysis Report

Executive Summary

Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers in the United States.

Snowflake

Fundamentals

Flawless balance sheet established dividend payer.


Similar Companies

Share Price & News

How has Regions Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.3%

NYSE:RF.PRA

-2.5%

US Banks

-0.7%

US Market


1 Year Return

0.7%

NYSE:RF.PRA

-14.2%

US Banks

-0.5%

US Market

RF.PRA outperformed the Banks industry which returned -14.2% over the past year.

RF.PRA outperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

RF.PRAIndustryMarket
7 Day0.3%-2.5%-0.7%
30 Day-0.2%-6.1%-3.0%
90 Day0.4%-3.8%0.9%
1 Year7.3%0.7%-11.8%-14.2%1.7%-0.5%
3 Year16.2%-3.6%42.1%32.4%39.5%30.4%
5 Year39.6%2.2%53.3%36.7%54.1%37.0%

Price Volatility Vs. Market

How volatile is Regions Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

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

30%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

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 Based on Earnings

Regions Financial is good value based on earnings compared to the US Banks industry average.

Regions Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Regions Financial is poor value based on expected growth next year.


Price Based on Value of Assets

Regions Financial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Regions Financial expected to perform in the next 1 to 3 years based on estimates from 19 analysts?

1.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Regions Financial's revenue is expected to grow by 2% yearly, however this is not considered high growth (20% yearly).

Regions Financial's earnings are expected to grow by 1.3% yearly, however this is not considered high growth (20% yearly).

Regions Financial's revenue growth is positive but not above the United States of America market average.

Regions Financial's earnings growth is positive but not above the United States of America market average.

Regions Financial's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Regions Financial is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Regions Financial performed over the past 5 years?

8.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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 (10% vs 8.3%)

Regions Financial's earnings growth has not exceeded the US Banks industry average in the past year (10% vs 33.3%).


Return on Equity

Regions Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Regions Financial used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

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.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Regions Financial has an acceptable proportion of non-loan assets held.

Regions Financial has a sufficient allowance for bad loans.

Regions Financial's liabilities are made up of primarily low risk sources of funding.

Regions Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Regions Financial are broadly funded by customer deposits.

Regions Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

4.66%

Expected Dividend Yield


Upcoming Dividend Payment

Purchase Regions Financial before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Regions Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Regions Financial's dividend is above the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.6x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (2.2x coverage).


Next Steps

Management

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

9.0yrs

Average management tenure


CEO

John Turner (57yo)

1.1yrs

Tenure

US$7,397,623

Compensation

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. He was Head  ...


CEO Compensation Analysis

John's remuneration is lower than average for companies of similar size in United States of America.

John's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

9.0yrs

Average Tenure

57yo

Average Age

The average tenure for the Regions Financial management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

8.6yrs

Average Tenure

68yo

Average Age

The tenure for the Regions Financial board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Boots Gale (74yo)

    Senior EVP

    • Tenure: 0.0yrs
    • Compensation: US$2.85m
  • John Turner (57yo)

    President

    • Tenure: 1.1yrs
    • Compensation: US$7.40m
  • John Owen (58yo)

    COO & Senior EVP

    • Tenure: 1.1yrs
    • Compensation: US$4.62m
  • Brad Kimbrough (55yo)

    Executive VP

    • Tenure: 12.0yrs
  • Tobin Vinson

    Associate Director of Investor Relations

    • Tenure: 0.0yrs
  • David Turner (55yo)

    Senior EVP & CFO

    • Tenure: 9.5yrs
    • Compensation: US$3.46m
  • Dave Keenan (51yo)

    Senior EVP & Chief Human Resources Officer

    • Tenure: 9.5yrs
  • Matt Lusco (61yo)

    Chief Risk Officer

    • Tenure: 8.5yrs
    • Compensation: US$3.73m
  • Dana Nolan

    EVP & Head of Investor Relations

    • Tenure: 0.0yrs
  • Amala Duggirala

    Chief Information Officer

    • Tenure: 0.0yrs

Board Members

  • Eric Fast (70yo)

    Director

    • Tenure: 9.3yrs
    • Compensation: US$241.25k
  • Johnny Johns (67yo)

    Director

    • Tenure: 7.8yrs
    • Compensation: US$247.50k
  • Charles McCrary (68yo)

    Independent Chairman of the Board

    • Tenure: 0.6yrs
    • Compensation: US$286.25k
  • Don DeFosset (70yo)

    Independent Director

    • Tenure: 12.8yrs
    • Compensation: US$246.25k
  • Lee Styslinger (58yo)

    Director

    • Tenure: 15.1yrs
    • Compensation: US$226.25k
  • Carolyn Byrd (70yo)

    Independent Director

    • Tenure: 9.3yrs
    • Compensation: US$252.75k
  • Sam Di Piazza (68yo)

    Independent Director

    • Tenure: 2.8yrs
    • Compensation: US$231.25k
  • Susan Matlock (72yo)

    Director

    • Tenure: 15.1yrs
    • Compensation: US$223.75k
  • John Turner (57yo)

    President

    • Tenure: 1.1yrs
    • Compensation: US$7.40m
  • Ruth Marshall (65yo)

    Director

    • Tenure: 8.0yrs
    • Compensation: US$252.50k

Company Information

Regions Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Regions Financial Corporation
  • Ticker: RF.PRA
  • Exchange: NYSE
  • Founded: 1852
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$14.059b
  • Shares outstanding: 997.77m
  • Website: https://www.regions.com

Number of Employees


Location

  • Regions Financial Corporation
  • 1900 Fifth Avenue North
  • Birmingham
  • Alabama
  • 35203
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
RFNYSE (New York Stock Exchange)YesCommon StockUSUSDJul 2004
RN7DB (Deutsche Boerse AG)YesCommon StockDEEURJul 2004
0KV3LSE (London Stock Exchange)YesCommon StockGBUSDJul 2004
RF.PRANYSE (New York Stock Exchange)DEPSHS1/40PF AUSUSDOct 2012
RF.PRBNYSE (New York Stock Exchange)DEP SHS PFD BUSUSDApr 2014
RF.PRCNYSE (New York Stock Exchange)5.7 DP RP PFD CUSUSDApr 2019

Biography

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: Corpor ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 00:37
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.