Regions Financial
Market Cap
US$14.1b
Last Updated
2019/08/19 00:02 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 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
-1.5%
NYSE:RF
-2.5%
US Banks
-0.7%
US Market
1 Year Return
-27.7%
NYSE:RF
-14.2%
US Banks
-0.5%
US Market
RF underperformed the Banks industry which returned -14.2% over the past year.
RF underperformed the Market in United States of America which returned -0.4% over the past year.
Share holder returns
| RF | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.5% | -2.5% | -0.7% |
| 30 Day | -6.9% | -6.1% | -3.0% |
| 90 Day | -3.2% | -3.8% | 0.9% |
| 1 Year | -25.1%-27.7% | -11.8%-14.2% | 1.7%-0.5% |
| 3 Year | 57.5%45.9% | 42.1%32.4% | 39.5%30.4% |
| 5 Year | 56.1%37.9% | 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
5 days ago | Simply Wall St
COO & Senior EVP John Owen Just Sold A Bunch Of Shares In Regions Financial Corporation (NYSE:RF)1 week ago | Simply Wall St
Introducing Regions Financial (NYSE:RF), A Stock That Climbed 56% In The Last Three Years3 weeks ago | Simply Wall St
Can We See Significant Institutional Ownership On The Regions Financial Corporation (NYSE:RF) Share Register?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
Regions Financial individual insiders have only sold shares in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Chief Operating Officer COO & Senior EVP |
| Shares | 40,000 |
| Max Price | US$14.63 |
| Entity | Individual |
| Role | Chief Accounting Officer Executive VP |
| Shares | 7,148 |
| Max Price | US$14.68 |
| Entity | Individual |
| Role | Chief Legal Officer Senior EVP |
| Shares | 95,905 |
| Max Price | US$15.40 |
| Entity | Individual |
| Shares | 30,877 |
| Max Price | US$15.50 |
| Entity | Individual |
| Role | Chief Operating Officer COO & Senior EVP |
| Shares | 61,756 |
| Max Price | US$15.25 |
| Entity | Individual |
| Shares | 30,877 |
| Max Price | US$15.19 |
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
- 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
| 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.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 |
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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/19 00:02 |
| End of Day Share Price | 2019/08/16 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.