RF Regions Financial Corporation

Price (delayed)

$11.91

Market cap

$11.44B

P/E Ratio

17.78

Dividend/share

$0.62

EPS

$0.67

Enterprise value

$4.65B

Sector: Financial Services
Industry: Banks - Regional
Regions Financial Corp. operates as a bank holding company. It provides traditional commercial, retail and mortgage banking services, as well as other financial services in the fields of investment banking, asset management, trust, mutual funds, securities brokerage, insurance and other specialty financing. The company operates through the following segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment represents the company's commercial banking functions including commercial and industrial, commercial real estate and investor real estate lending. The Consumer Bank segment holds the company's branch network, including consumer banking products and services related to residential first mortgages, home equity lines and loans, small business loans, indirect loans, consumer credit cards and other consumer loans. The Wealth Management segment offers individuals, businesses, governmental institutions and non-profit entities a range of solutions to help protect grow and transfer wealth. Regions Financial was founded in 1971 and is headquartered in Birmingham, AL.

Highlights

The debt has plunged by 52% YoY and by 52% from the previous quarter
RF's equity is up by 6% YoY
The net income has plunged by 61% YoY and by 48% from the previous quarter
The company's EPS has shrunk by 58% YoY and by 48% QoQ

Key stats

What are the main financial stats of RF
Market
Shares outstanding
960.17M
Market cap
$11.44B
Enterprise value
$4.65B
Valuations
Price to earnings (P/E)
17.78
Price to book (P/B)
0.65
Price to sales (P/S)
2.56
EV/EBIT
5.45
EV/EBITDA
3.59
EV/Sales
1.04
Earnings
Revenue
$4.47B
EBIT
$853M
EBITDA
$1.3B
Free cash flow
$2.69B
Per share
EPS
$0.67
Free cash flow per share
$2.81
Book value per share
$18.34
Revenue per share
$4.66
TBVPS
$144.52
Balance sheet
Total assets
$144.07B
Total liabilities
$126.44B
Debt
$6.41B
Equity
$17.6B
Working capital
N/A
Liquidity
Debt to equity
0.36
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.24
Margins
EBITDA margin
28.9%
Gross margin
100%
Net margin
14.6%
Operating margin
21.1%
Efficiency
Return on assets
0.5%
Return on equity
3.9%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
19.1%
Dividend
Dividend yield
5.21%
DPS
$0.62
Payout ratio
92.5%

RF stock price

How has the Regions Financial stock price performed over time

Financial performance

How have Regions Financial's revenue and profit performed over time
Revenue
$4.47B
Gross profit
$4.47B
Operating income
$946M
Net income
$653M
Gross margin
100%
Net margin
14.6%
The net income has plunged by 61% YoY and by 48% from the previous quarter
The net margin has plunged by 53% YoY and by 40% from the previous quarter
The company's operating income has shrunk by 51% YoY and by 44% QoQ
RF's operating margin is down by 41% year-on-year and by 36% since the previous quarter

Growth

What is Regions Financial's growth rate over time

Valuation

What is Regions Financial stock price valuation
P/E
17.78
P/B
0.65
P/S
2.56
EV/EBIT
5.45
EV/EBITDA
3.59
EV/Sales
1.04
The company's EPS has shrunk by 58% YoY and by 48% QoQ
The stock's price to earnings (P/E) is 56% more than its last 4 quarters average of 11.4 and 39% more than its 5-year quarterly average of 12.8
The stock's P/B is 28% below its 5-year quarterly average of 0.9 and 19% below its last 4 quarters average of 0.8
RF's equity is up by 6% YoY
Regions Financial's revenue has decreased by 18% YoY and by 13% from the previous quarter
The price to sales (P/S) is 12% lower than the 5-year quarterly average of 2.9 but 2.4% higher than the last 4 quarters average of 2.5

Efficiency

How efficient is Regions Financial business performance
The ROE has shrunk by 64% YoY and by 49% QoQ
RF's return on invested capital has dropped by 63% year-on-year and by 50% since the previous quarter
The ROA has plunged by 62% YoY and by 50% from the previous quarter
The company's return on sales fell by 50% YoY and by 39% QoQ

Dividends

What is RF's dividend history
DPS
$0.62
Dividend yield
5.21%
Payout ratio
92.5%
Recent dividends

Financial health

How did Regions Financial financials performed over time
Regions Financial's total assets is 14% more than its total liabilities
RF's total liabilities is up by 14% year-on-year and by 9% since the previous quarter
Regions Financial's total assets has increased by 13% YoY and by 8% from the previous quarter
The debt is 64% less than the equity
Regions Financial's debt to equity has plunged by 56% YoY and by 53% from the previous quarter
The debt has plunged by 52% YoY and by 52% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.