Regions Financial
Market Cap
US$17.9b
Last Updated
2021/01/14 23:46 UTC
Data Sources
Company Financials +
Executive Summary
Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers. More Details
Rewards
Risk Analysis
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 is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: RF's weekly volatility (8%) has been stable over the past year.
Market Performance
7 Day Return
5.6%
RF
3.1%
US Banks
0.6%
US Market
1 Year Return
12.0%
RF
-4.2%
US Banks
21.0%
US Market
Return vs Industry: RF exceeded the US Banks industry which returned -5% over the past year.
Return vs Market: RF underperformed the US Market which returned 22% over the past year.
Shareholder returns
| RF | Industry | Market | |
|---|---|---|---|
| 7 Day | 5.6% | 3.1% | 0.6% |
| 30 Day | 21.3% | 15.6% | 4.2% |
| 90 Day | 49.6% | 42.5% | 12.4% |
| 1 Year | 17.3%12.0% | -0.7%-4.2% | 23.7%21.0% |
| 3 Year | 14.8%2.8% | 5.5%-3.5% | 47.4%37.6% |
| 5 Year | 178.8%138.2% | 96.6%71.7% | 131.6%105.9% |
Long-Term 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
3 weeks ago | Simply Wall St
Does Regions Financial Corporation (NYSE:RF) Have A Place In Your Dividend Portfolio?1 month ago | Simply Wall St
Four Days Left To Buy Regions Financial Corporation (NYSE:RF) Before The Ex-Dividend Date2 months ago | Simply Wall St
Have Regions Financial Corporation (NYSE:RF) Insiders Been Selling Their Stock?Valuation
Is Regions Financial undervalued compared to its fair value and its price relative to the market?
30.0%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: RF ($18.65) is trading below our estimate of fair value ($26.63)
Significantly Below Fair Value: RF is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: RF is poor value based on its PE Ratio (23.3x) compared to the US Banks industry average (12.2x).
PE vs Market: RF is poor value based on its PE Ratio (23.3x) compared to the US market (21.1x).
Price to Earnings Growth Ratio
PEG Ratio: RF is poor value based on its PEG Ratio (1.3x)
Price to Book Ratio
PB vs Industry: RF's PB Ratio (1.1x) is in line with the US Banks industry average.
Next Steps
Future Growth
How is Regions Financial forecast to perform in the next 1 to 3 years based on estimates from 17 analysts?
17.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: RF's forecast earnings growth (17.9% per year) is above the savings rate (2%).
Earnings vs Market: RF's earnings (17.9% per year) are forecast to grow slower than the US market (21.6% per year).
High Growth Earnings: RF's earnings are forecast to grow, but not significantly.
Revenue vs Market: RF's revenue (1.5% per year) is forecast to grow slower than the US market (10.2% per year).
High Growth Revenue: RF's revenue (1.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: RF's Return on Equity is forecast to be low in 3 years time (9.4%).
Next Steps
Past Performance
How has Regions Financial performed over the past 5 years?
3.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: RF has high quality earnings.
Growing Profit Margin: RF's current net profit margins (16.5%) are lower than last year (28.1%).
Past Earnings Growth Analysis
Earnings Trend: RF's earnings have grown by 3.5% per year over the past 5 years.
Accelerating Growth: RF'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 had negative earnings growth (-49.6%) over the past year, making it difficult to compare to the Banks industry average (-4.4%).
Return on Equity
High ROE: RF's Return on Equity (4.8%) 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's Assets to Equity ratio (8.1x) is low.
Allowance for Bad Loans: RF has a sufficient allowance for bad loans (295%).
Low Risk Liabilities: 93% of RF's liabilities are made up of primarily low risk sources of funding.
Loan Level: RF has an appropriate level of Loans to Assets ratio (59%).
Low Risk Deposits: RF's Loans to Deposits ratio (73%) is appropriate.
Level of Bad Loans: RF has an appropriate level of bad loans (0.9%).
Next Steps
Dividend
What is Regions Financial current dividend yield, its reliability and sustainability?
3.32%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: RF's dividend (3.32%) is higher than the bottom 25% of dividend payers in the US market (1.38%).
High Dividend: RF's dividend (3.32%) is low compared to the top 25% of dividend payers in the US market (3.88%).
Stability and Growth of Payments
Stable Dividend: RF's dividends per share have been stable in the past 10 years.
Growing Dividend: RF's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: At its current payout ratio (77.4%), RF's payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: RF's dividends in 3 years are forecast to be well covered by earnings (38.2% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
9.9yrs
Average management tenure
CEO
John Turner (58 yo)
2.5yrs
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 ($USD10.54M).
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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 2.5yrs | US$13.12m | 0.039% $ 7.0m | |
| Senior EVP & CFO | 10.92yrs | US$4.54m | 0.026% $ 4.7m | |
| COO & Senior EVP | no data | US$6.45m | 0.015% $ 2.7m | |
| Senior EVP & Chief Risk Officer | 9.92yrs | US$3.94m | 0.018% $ 3.3m | |
| Senior EVP and Chief Operations & Technology Officer | no data | no data | 0.0047% $ 841.9k | |
| Executive VP | 13.42yrs | no data | 0.0026% $ 469.3k | |
| Associate Director of Investor Relations | no data | no data | no data | |
| EVP & Head of Investor Relations | no data | no data | no data | |
| Senior Executive VP | 0.75yr | no data | no data | |
| Senior EVP & Chief Human Resources Officer | 10.92yrs | no data | no data | |
| Head of Strategic Initiatives & Service Quality and Senior EVP of the Consumer Svcs Group | no data | no data | no data | |
| Senior EVP & Head of Wealth Management Group | 9.58yrs | no data | 0.0054% $ 976.2k |
9.9yrs
Average Tenure
56yo
Average Age
Experienced Management: RF's management team is seasoned and experienced (9.9 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 2.5yrs | US$13.12m | 0.039% $ 7.0m | |
| Independent Director | 9.25yrs | US$250.00k | 0.0070% $ 1.3m | |
| Independent Chairman of the Board | 2yrs | US$280.00k | 0.015% $ 2.7m | |
| Independent Director | 16yrs | US$250.00k | 0.013% $ 2.3m | |
| Independent Director | 4yrs | US$232.50k | 0.0054% $ 960.1k | |
| Independent Director | 18yrs | US$230.00k | 0.012% $ 2.1m | |
| Independent Director | 10.67yrs | US$255.00k | 0.0087% $ 1.6m | |
| Independent Director | 4.17yrs | US$233.50k | 0.0019% $ 349.3k | |
| Independent Director | 4.17yrs | US$220.00k | 0.0019% $ 349.3k | |
| Independent Director | 9.42yrs | US$255.00k | 0.0095% $ 1.7m | |
| Independent Director | 2.5yrs | US$230.00k | 0.00058% $ 103.9k | |
| Independent Director | 2yrs | US$260.00k | 0.0011% $ 204.2k |
4.2yrs
Average Tenure
66.5yo
Average Age
Experienced Board: RF's board of directors are considered experienced (4.2 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: RF insiders have only sold shares in the past 3 months.
Recent Insider Transactions
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
- Exchange: NYSE
- Founded: 1970
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$17.912b
- Shares outstanding: 960.44m
- Website: https://www.regions.com
Number of Employees
Location
- Regions Financial Corporation
- 1900 Fifth Avenue North
- Birmingham
- Alabama
- 35203
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| RF | NYSE (New York Stock Exchange) | Yes | Common Stock | US | USD | Jul 2004 |
| RN7 | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Jul 2004 |
| 0KV3 | LSE (London Stock Exchange) | Yes | Common Stock | GB | USD | Jul 2004 |
| RF * | BMV (Bolsa Mexicana de Valores) | Yes | Common Stock | MX | MXN | Jul 2004 |
| RF.PRA | NYSE (New York Stock Exchange) | DEPSHS1/40PF A | US | USD | Oct 2012 | |
| RF.PRB | NYSE (New York Stock Exchange) | DEP SHS PFD B | US | USD | Apr 2014 | |
| RF.PRC | NYSE (New York Stock Exchange) | 5.7 DP RP PFD C | US | USD | Apr 2019 | |
| R1FC34 | BOVESPA (Bolsa de Valores de Sao Paulo) | BDR EACH REPR 1 COM | BR | BRL | Dec 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/01/14 23:46 |
| End of Day Share Price | 2021/01/14 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2019/12/31 |
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.