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Regions Financial

NYSE:RF
Snowflake Description

Flawless balance sheet established dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
RF
NYSE
$15B
Market Cap
  1. Home
  2. US
  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 50 days ago. More info.


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RF Share Price and Events
7 Day Returns
-1.2%
NYSE:RF
-1.7%
US Banks
-0.4%
US Market
1 Year Returns
-19.8%
NYSE:RF
-6.9%
US Banks
4.3%
US Market
RF Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Regions Financial (RF) -1.2% 3.5% 2% -19.8% 69.6% 32.8%
US Banks -1.7% -0.7% 3.3% -6.9% 50.7% 38.5%
US Market -0.4% 2.8% 2.7% 4.3% 40.9% 38.2%
1 Year Return vs Industry and Market
  • RF underperformed the Banks industry which returned -6.9% over the past year.
  • RF underperformed the Market in United States of America which returned 4.3% over the past year.
Price Volatility
RF
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.

NYSE:RF Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 18 analysts.
= Stable Book Value * Return on Equity
= $15.90 * 10.8%
$1.71
Book Value of Equity per Share Weighted future Book Value estimates from 17 analysts. $15.90
Discount Rate (Cost of Equity) See below 9%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

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 NYSE:RF
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
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))
= 0.589 (1 + (1- 21%) (104.82%))
1.051
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.05
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.051 * 5.96%)
8.99%

Discounted Cash Flow Calculation for NYSE:RF 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.

NYSE:RF Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (10.8% – 8.99%) * $15.90)
$0.28
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.28 / (8.99% - 2.73%)
$4.46
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $15.90 + $4.46
$20.36
NYSE:RF Discount to Share Price
Calculation Result
Value per share (USD) From above. $20.36
Current discount Discount to share price of $14.43
= -1 x ($14.43 - $20.36) / $20.36
29.1%

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
29%
Share price is $14.43 vs Future cash flow value of $20.36
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
NYSE:RF 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 (2019-06-26) in USD $14.43
United States of America Banks Industry PE Ratio Median Figure of 600 Publicly-Listed Banks Companies 12.61x
United States of America Market PE Ratio Median Figure of 3,094 Publicly-Listed Companies 17.77x

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

** Primary Listing of Regions Financial.

NYSE:RF PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

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

= 14.43 ÷ 1.39

10.36x

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

  • 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
Does Regions Financial's expected growth come at a high price?
Raw Data
NYSE:RF PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 10.36x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 19 Analysts
2.3%per year
United States of America Banks Industry PEG Ratio Median Figure of 271 Publicly-Listed Banks Companies 1.3x
United States of America Market PEG Ratio Median Figure of 2,133 Publicly-Listed Companies 1.51x

*Line of best fit is calculated by linear regression .

NYSE:RF PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 10.36x ÷ 2.3%

4.49x

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
NYSE:RF 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 (2019-06-26) in USD $14.43
United States of America Banks Industry PB Ratio Median Figure of 603 Publicly-Listed Banks Companies 1.18x
United States of America Market PB Ratio Median Figure of 5,255 Publicly-Listed Companies 1.78x
NYSE:RF PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

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

= 14.43 ÷ 14.50

0.99x

* Primary Listing of Regions Financial.

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

  • Regions Financial is good value based on assets compared to the US 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 4/6, 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 19 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 positive but not above the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Regions Financial's earnings growth is positive but not above the United States of America market average.
  • Regions Financial's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NYSE:RF Future Growth Rates Data Sources
Data Point Source Value (per year)
NYSE:RF Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 19 Analysts 2.3%
NYSE:RF Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 19 Analysts 2.4%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 3.8%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.8%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.9%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*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
NYSE:RF Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 19 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NYSE:RF 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 6,071 1,573 11
2019-12-31 5,960 1,567 12
NYSE:RF Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 5,492 2,699 1,484
2018-12-31 5,533 2,275 1,504
2018-09-30 5,632 1,564 1,418
2018-06-30 5,602 1,805 1,360
2018-03-31 5,552 1,719 1,298
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 2.4% 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
NYSE:RF Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 19 Analyst Estimates (S&P Global) See Below

All data from Regions Financial Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:RF 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 1.80 1.58 26.00
2019-12-31 1.57 1.60 1.52 26.00
NYSE:RF Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 1.39
2018-12-31 1.38
2018-09-30 1.26
2018-06-30 1.19
2018-03-31 1.11
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 States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America 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 0/6, 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 (14.3% vs 7.3%)
  • Regions Financial's earnings growth has not exceeded the US Banks industry average in the past year (14.3% vs 40.7%).
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 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:RF 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 5,492.00 1,484.00 2,677.00
2018-12-31 5,533.00 1,504.00 2,694.00
2018-09-30 5,632.00 1,418.00 2,711.00
2018-06-30 5,602.00 1,360.00 2,723.00
2018-03-31 5,552.00 1,298.00 2,718.00
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 US 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 2 months ago.

NYSE:RF Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 15,523.00 14,814.00 2,093.00
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
3.88%
Current annual income from Regions Financial dividends. Estimated to be 4.61% next year.
If you bought $2,000 of Regions Financial shares you are expected to receive $78 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 States of America (1.44%).
  • Regions Financial's dividend is above the markets top 25% of dividend payers in United States of America (3.73%).
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
NYSE:RF 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 19 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 479 Stocks 2.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2012 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

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

NYSE:RF Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2022-12-31 0.84 1.00
2021-12-31 0.75 12.00
2020-12-31 0.68 25.00
2019-12-31 0.60 25.00
NYSE:RF Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-04-24 0.560 3.837
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
2009-04-16 0.040 0.900
2009-01-15 0.400 10.474
2008-10-16 0.400 4.401
2008-07-22 0.400 3.919

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

  • 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
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 0.8%) - 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 0.9 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 been consistent with company performance over the past year, both up more than 20%.
  • John's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

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

4.6
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
0.9 yrs

David Turner

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

John Owen

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

Boots Gale

TITLE
Senior EVP
COMPENSATION
$3M
AGE
73

Matt Lusco

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

Brad Kimbrough

TITLE
Executive VP
AGE
54
TENURE
11.8 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
0.8 yrs
Board of Directors Tenure

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

8.5
Average Tenure
67
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
0.4 yrs

John Turner

TITLE
President
COMPENSATION
$7M
AGE
56
TENURE
0.9 yrs

Don DeFosset

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

Carolyn Byrd

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

Ruth Marshall

TITLE
Director
COMPENSATION
$252K
AGE
64
TENURE
7.8 yrs

Johnny Johns

TITLE
Director
COMPENSATION
$247K
AGE
66
TENURE
7.7 yrs

Lee Styslinger

TITLE
Director
COMPENSATION
$226K
AGE
57
TENURE
14.9 yrs

Susan Matlock

TITLE
Director
COMPENSATION
$224K
AGE
71
TENURE
14.9 yrs

Eric Fast

TITLE
Director
COMPENSATION
$241K
AGE
69
TENURE
9.1 yrs

Sam Di Piazza

TITLE
Independent Director
COMPENSATION
$231K
AGE
67
TENURE
2.6 yrs
Who owns this company?
Recent Insider Trading
  • Regions Financial individual insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
03. May 19 Sell Fournier Gale Individual 02. May 19 02. May 19 -95,905 $15.40 $-1,476,745
30. Apr 19 Sell Joo Mi Kim Individual 26. Apr 19 26. Apr 19 -30,877 $15.50 $-478,677
25. Apr 19 Sell Scott Peters Individual 23. Apr 19 23. Apr 19 -30,877 $15.19 $-468,917
25. Apr 19 Sell John Owen Individual 23. Apr 19 23. Apr 19 -61,756 $15.25 $-941,513
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
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

When Should You Buy Regions Financial Corporation (NYSE:RF)?

Let’s take a look at Regions Financial’s outlook and value based on the most recent financial data to see if there are any catalysts for a price change. … View our latest analysis for Regions Financial What is Regions Financial worth? … However, given that Regions Financial’s share is fairly volatile (i.e. its price movements are magnified relative to the rest of the market) this could mean the price can sink lower, giving us another chance to buy in the future.

Simply Wall St -

Regions Financial Corporation (NYSE:RF) Should Be In Your Dividend Portfolio, Here's Why

Check out our latest analysis for Regions Financial What Is A Dividend Rock Star? … More specifically: It is paying an annual yield above 75% of dividend payers It has paid dividend every year without dramatically reducing payout in the past Its has increased its dividend per share amount over the past It can afford to pay the current rate of dividends from its earnings It has the ability to keep paying its dividends going forward High Yield And Dependable Regions Financial's yield sits at 4.0%, which is high for Banks stocks. … Next Steps: With Regions Financial producing strong dividend income for your portfolio over the past few years, you can take comfort in knowing that this stock will still continue to be a top dividend generator moving forward.

Simply Wall St -

What Kind Of Shareholders Own Regions Financial Corporation (NYSE:RF)?

The big shareholder groups in Regions Financial Corporation (NYSE:RF) have power over the company. … Large companies usually have institutions as shareholders, and we usually see insiders owning shares in smaller companies. … Regions Financial has a market capitalization of US$14b, so it's too big to fly under the radar.

Simply Wall St -

Financial Metrics For Regions Financial Corporation (NYSE:RF)

Regions Financial Corporation (NYSE:RF) is a large-cap stock operating in the financial services sector with a market cap of US$16b. … As major financial institutions return to health after the Global Financial Crisis, we are seeing an increase in market confidence, and understanding of, these “too-big-to-fail” banking stocks. … We should we cautious when it comes to investing in financial stocks due to the various risks large banks tend to face.

Simply Wall St -

What Should We Expect From Regions Financial Corporation's (NYSE:RF) Earnings Over The Next Year?

Help shape the future of investing tools and receive a $20 prize! … In December 2018, Regions Financial Corporation (NYSE:RF) released its earnings update. … the higher past 5-year average growth rate of 6.4%.

Simply Wall St -

What Should We Expect From Regions Financial Corporation's (NYSE:RF) Earnings Over The Next Few Years?

Help shape the future of investing tools and you could win a $250 gift card! … The most recent earnings release Regions Financial Corporation's (NYSE:RF) announced in December 2018a

Simply Wall St -

Read This Before Buying Regions Financial Corporation (NYSE:RF) Shares

So we'll take a look at whether insiders have been buying or selling shares in Regions Financial Corporation (NYSE:RF). … But logic dictates you should pay some attention to whether insiders are buying or selling shares. … As Peter Lynch said, 'insiders might sell their shares for any number of reasons, but they buy them for only one: they think the price will rise.'?

Simply Wall St -

Does Regions Financial Corporation's (NYSE:RF) P/E Ratio Signal A Buying Opportunity?

We'll look at Regions Financial Corporation's (NYSE:RF) P/E ratio and reflect on what it tells us about the company's share price. … Regions Financial has a price to earnings ratio of 10.53, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Are You Considering All The Risks For Regions Financial Corporation’s (NYSE:RF)?

Large banks such as Regions Financial Corporation (NYSE:RF), with a market capitalisation of US$17b, have benefited from improving credit quality as a result of post-GFC recovery, leading to a strong growth environment. … A borrower’s demand for, and ability to repay, loans is driven by economic growth which directly impacts the level of risk Regions Financial takes on. … With stricter regulations as a result of the GFC, banks are more conservative in their lending practices, leading to more prudent levels of risky assets on the balance sheet.

Simply Wall St -

Can Regions Financial Corporation (NYSE:RF) Survive The Next Financial Crisis?

As these large financial institutions revert back to health after the Global Financial Crisis, we are seeing an increase in market confidence, and understanding of, these “too-big-to-fail” banking stocks. … These reforms target bank level regulation and aims to improve the banking sector’s ability to absorb shocks arising from economic stress which could expose financial institutions to vulnerabilities. … We should we cautious when it comes to investing in financial stocks due to the various risks large banks tend to face.

Simply Wall St -

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
RF
Exchange: NYSE
Founded: 1852
$14,620,835,566
1,013,224,918
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
NYSE RF.PRC 5.7 DP RP PFD C New York Stock Exchange US USD 24. Apr 2019
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: 2019/06/27 00:05
End of day share price update: 2019/06/26 00:00
Last estimates confirmation: 2019/06/26
Last earnings filing: 2019/05/08
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.