NYSE:RF.PRA

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Executive Summary

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


Snowflake Analysis

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

Stable Share Price: RF.PRA has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0.7%

RF.PRA

5.3%

US Banks

1.2%

US Market


1 Year Return

0.5%

RF.PRA

-17.7%

US Banks

16.8%

US Market

Return vs Industry: RF.PRA exceeded the US Banks industry which returned -19% over the past year.

Return vs Market: RF.PRA underperformed the US Market which returned 16.4% over the past year.


Shareholder returns

RF.PRAIndustryMarket
7 Day0.7%5.3%1.2%
30 Day2.0%6.6%4.9%
90 Day2.9%18.7%20.0%
1 Year6.9%0.5%-14.9%-17.7%19.3%16.8%
3 Year21.2%0.5%-9.6%-16.9%43.7%34.4%
5 Year37.1%0.5%15.0%1.0%75.5%56.6%

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 compared to its fair value and its price relative to the market?

17.02x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: RF.PRA ($25.83) is trading above our estimate of fair value ($23)

Significantly Below Fair Value: RF.PRA is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: RF.PRA is poor value based on its PE Ratio (17x) compared to the US Banks industry average (9.9x).

PE vs Market: RF.PRA is good value based on its PE Ratio (17x) compared to the US market (18.9x).


Price to Earnings Growth Ratio

PEG Ratio: RF.PRA is good value based on its PEG Ratio (0.3x)


Price to Book Ratio

PB vs Industry: RF.PRA is good value based on its PB Ratio (0.7x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

How is Regions Financial forecast to perform in the next 1 to 3 years based on estimates from 18 analysts?

50.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: RF.PRA's forecast earnings growth (50.2% per year) is above the savings rate (2.2%).

Earnings vs Market: RF.PRA's earnings (50.2% per year) are forecast to grow faster than the US market (23.7% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: RF.PRA's revenue (2.7% per year) is forecast to grow slower than the US market (9.4% per year).

High Growth Revenue: RF.PRA's revenue (2.7% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: RF.PRA's Return on Equity is forecast to be low in 3 years time (7.6%).


Next Steps

Past Performance

How has Regions Financial performed over the past 5 years?

6.3%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: RF.PRA has high quality earnings.

Growing Profit Margin: RF.PRA's current net profit margins (14.5%) are lower than last year (27.5%).


Past Earnings Growth Analysis

Earnings Trend: RF.PRA's earnings have grown by 6.3% per year over the past 5 years.

Accelerating Growth: RF.PRA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: RF.PRA had negative earnings growth (-56.4%) over the past year, making it difficult to compare to the Banks industry average (-3%).


Return on Equity

High ROE: RF.PRA's Return on Equity (4.2%) is considered low.


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


Financial Institutions Analysis

Asset Level: RF.PRA's Assets to Equity ratio (8.2x) is low.

Allowance for Bad Loans: RF.PRA has a sufficient allowance for bad loans (365%).

Low Risk Liabilities: 92% of RF.PRA's liabilities are made up of primarily low risk sources of funding.

Loan Level: RF.PRA has an appropriate level of Loans to Assets ratio (61%).

Low Risk Deposits: RF.PRA's Loans to Deposits ratio (76%) is appropriate.

Level of Bad Loans: RF.PRA has an appropriate level of bad loans (0.7%).


Next Steps

Dividend

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

5.39%

Current Dividend Yield


Upcoming Dividend Payment


Dividend Yield vs Market

Notable Dividend: RF.PRA's dividend (5.39%) is higher than the bottom 25% of dividend payers in the US market (1.62%).

High Dividend: RF.PRA's dividend (5.39%) is in the top 25% of dividend payers in the US market (4.35%)


Stability and Growth of Payments

Stable Dividend: RF.PRA's dividends per share have been stable in the past 10 years.

Growing Dividend: RF.PRA's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its high payout ratio (91.8%), RF.PRA's dividend payments are not well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: RF.PRA's dividends in 3 years are forecast to be well covered by earnings (47.8% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

5.8yrs

Average management tenure


CEO

John Turner (58 yo)

2.08yrs

Tenure

US$13,115,267

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

Compensation vs Market: John's total compensation ($USD13.12M) is about average for companies of similar size in the US market ($USD11.30M).

Compensation vs Earnings: John's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.


Leadership Team

NamePositionTenureCompensationOwnership
John Turner
President2.08yrsUS$13.12m0.035%
$ 3.9m
David Turner
Senior EVP & CFO10.5yrsUS$4.54m0.026%
$ 2.9m
John Owen
COO & Senior EVP2.08yrsUS$6.45m0.015%
$ 1.7m
C. Lusco
Senior EVP & Chief Risk Officer9.5yrsUS$3.94m0.024%
$ 2.6m
Fournier Gale
Senior Advisor0.42yrUS$2.65m0.0062%
$ 686.8k
Hardie Kimbrough
Executive VP13yrsno data0.0026%
$ 289.3k
Amala Duggirala
Chief Information Officerno datano datano data
Tobin Vinson
Associate Director of Investor Relationsno datano datano data
Dana Nolan
EVP & Head of Investor Relationsno datano datano data
Tara Plimpton
Senior Executive VP & General Counsel0.33yrno datano data
David Keenan
Senior EVP & Chief Human Resources Officer10.5yrsno datano data
William Askew
Head of Strategic Initiatives & Service Quality and Senior EVP of the Consumer Svcs Groupno datano datano data

5.8yrs

Average Tenure

58yo

Average Age

Experienced Management: RF.PRA's management team is seasoned and experienced (5.8 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
John Turner
President2.08yrsUS$13.12m0.035%
$ 3.9m
John Johns
Independent Director8.83yrsUS$250.00k0.0070%
$ 774.0k
Charles McCrary
Independent Chairman of the Board1.58yrsUS$280.00k0.015%
$ 1.7m
Donald DeFosset
Independent Director15.58yrsUS$250.00k0.013%
$ 1.4m
José Suquet
Independent Director3.58yrsUS$232.50k0.0054%
$ 593.0k
Lee Styslinger
Independent Director17.58yrsUS$230.00k0.012%
$ 1.3m
Carolyn Byrd
Independent Director10.25yrsUS$255.00k0.0087%
$ 957.3k
Samuel Di Piazza
Independent Director3.75yrsUS$233.50k0.0019%
$ 215.3k
James Prokopanko
Independent Director3.75yrsUS$220.00k0.0019%
$ 215.3k
Ruth Marshall
Independent Director9yrsUS$255.00k0.0095%
$ 1.0m
Timothy Vines
Independent Director2.08yrsUS$230.00k0.00058%
$ 64.0k
Zhanna Golodryga
Independent Director1.58yrsUS$260.00k0.0011%
$ 125.9k

3.8yrs

Average Tenure

66.5yo

Average Age

Experienced Board: RF.PRA's board of directors are considered experienced (3.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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: 1970
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$11.042b
  • Shares outstanding: 960.17m
  • 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 *BMV (Bolsa Mexicana de Valores)YesCommon StockMXMXNJul 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
R1FC34BOVESPA (Bolsa de Valores de Sao Paulo)BDR EACH REPR 1 COMBRBRLDec 2019

Biography

Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Ba ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/11 00:28
End of Day Share Price2020/08/10 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.