(RF) Regions Financial - Ratings and Ratios
Banking, Loans, Investments, Credit, Wealth Management
RF EPS (Earnings per Share)
RF Revenue
Description: RF Regions Financial
Regions Financial Corporation is a financial holding company that provides a range of banking and related products and services to individual and corporate customers through its three main segments: Corporate Bank, Consumer Bank, and Wealth Management. The company operates with a diversified business model, offering various financial services including commercial banking, consumer banking, and wealth management products.
Key performance indicators (KPIs) for Regions Financial Corporation include its revenue diversification across the three segments, with a significant portion coming from net interest income. The companys net interest margin (NIM) is a crucial metric, reflecting its ability to manage the spread between interest-earning assets and interest-bearing liabilities. As a regional bank, Regions Financial Corporations loan portfolio composition, including commercial and industrial (C&I) loans, commercial real estate (CRE) loans, and consumer loans, is also an important indicator of its financial health. Additionally, its efficiency ratio, which measures operating expenses as a percentage of revenue, is a key metric to assess its operational efficiency.
From a profitability perspective, Regions Financial Corporations return on equity (RoE) of 11.16% indicates its ability to generate earnings relative to shareholder equity. The companys price-to-earnings (P/E) ratio of 11.93 and forward P/E ratio of 11.03 suggest its valuation relative to earnings. Furthermore, its dividend yield, payout ratio, and dividend coverage ratio are important metrics for income investors. The companys capital adequacy ratio, including its common equity tier 1 (CET1) ratio, is also a vital indicator of its financial stability and regulatory compliance.
As a regional bank, Regions Financial Corporations performance is also influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes. Its ability to navigate these factors and maintain a strong balance sheet, while adapting to changing market conditions, will be crucial to its long-term success. The companys management quality, risk management practices, and strategic initiatives will also play a significant role in driving its future performance.
RF Stock Overview
| Market Cap in USD | 24,440m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1990-03-26 |
RF Stock Ratings
| Growth Rating | 53.2% |
| Fundamental | 63.0% |
| Dividend Rating | 90.1% |
| Return 12m vs S&P 500 | 5.27% |
| Analyst Rating | 3.67 of 5 |
RF Dividends
| Dividend Yield 12m | 5.03% |
| Yield on Cost 5y | 13.41% |
| Annual Growth 5y | 9.59% |
| Payout Consistency | 93.3% |
| Payout Ratio | 47.2% |
RF Growth Ratios
| Growth Correlation 3m | 88.5% |
| Growth Correlation 12m | 11.4% |
| Growth Correlation 5y | 58.1% |
| CAGR 5y | 23.86% |
| CAGR/Max DD 5y | 0.58 |
| Sharpe Ratio 12m | 0.20 |
| Alpha | 6.90 |
| Beta | 1.038 |
| Volatility | 27.35% |
| Current Volume | 15961.3k |
| Average Volume 20d | 15819.7k |
| Stop Loss | 26.5 (-3.2%) |
| Signal | -0.47 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (2.08b TTM) > 0 and > 6% of Revenue (6% = 571.4m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.34pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1003 % (prev -994.1%; Δ -9.23pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 2.68b > Net Income 2.08b (YES >=105%, WARN >=100%) |
| Net Debt (-5.90b) to EBITDA (3.17b) ratio: -1.86 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.27 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (905.0m) change vs 12m ago -1.42% (target <= -2.0% for YES) |
| Gross Margin 71.51% (prev 71.20%; Δ 0.31pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.08% (prev 6.01%; Δ 0.07pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.40 (EBITDA TTM 3.17b / Interest Expense TTM 2.23b) >= 6 (WARN >= 3) |
Altman Z'' -3.55
| (A) -0.60 = (Total Current Assets 35.36b - Total Current Liabilities 130.92b) / Total Assets 159.21b |
| (B) 0.06 = Retained Earnings (Balance) 9.61b / Total Assets 159.21b |
| (C) 0.02 = EBIT TTM 3.12b / Avg Total Assets 156.63b |
| (D) 0.05 = Book Value of Equity 7.65b / Total Liabilities 140.50b |
| Total Rating: -3.55 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.95
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -52.12% = -5.0 |
| 3. FCF Margin 27.73% = 6.93 |
| 4. Debt/Equity 0.28 = 2.46 |
| 5. Debt/Ebitda 1.66 = 0.65 |
| 6. ROIC - WACC 1.32% = 1.65 |
| 7. RoE 11.26% = 0.94 |
| 8. Rev. Trend 79.71% = 3.99 |
| 9. Rev. CAGR 10.08% = 1.26 |
| 10. EPS Trend -5.00% = -0.12 |
| 11. EPS CAGR 11.92% = 1.19 |
What is the price of RF shares?
Over the past week, the price has changed by +2.35%, over one month by +4.58%, over three months by +28.48% and over the past year by +23.13%.
Is Regions Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RF is around 28.32 USD . This means that RF is currently overvalued and has a potential downside of 3.4%.
Is RF a buy, sell or hold?
- Strong Buy: 7
- Buy: 3
- Hold: 13
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the RF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 28.4 | 3.8% |
| Analysts Target Price | 28.4 | 3.8% |
| ValueRay Target Price | 31.9 | 16.3% |
Last update: 2025-08-30 04:55
RF Fundamental Data Overview
CCE Cash And Equivalents = 34.79b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 12.7991
P/E Forward = 12.0337
P/S = 3.5884
P/B = 1.4099
P/EG = 2.3153
Beta = 1.022
Revenue TTM = 9.52b USD
EBIT TTM = 3.12b USD
EBITDA TTM = 3.17b USD
Long Term Debt = 5.28b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 5.28b USD (Calculated: Short Term 0.0 + Long Term 5.28b)
Net Debt = -5.90b USD (from netDebt column, last quarter)
Enterprise Value = -5.07b USD (24.44b + Debt 5.28b - CCE 34.79b)
Interest Coverage Ratio = 1.40 (Ebit TTM 3.12b / Interest Expense TTM 2.23b)
FCF Yield = -52.12% (FCF TTM 2.64b / Enterprise Value -5.07b)
FCF Margin = 27.73% (FCF TTM 2.64b / Revenue TTM 9.52b)
Net Margin = 21.81% (Net Income TTM 2.08b / Revenue TTM 9.52b)
Gross Margin = 71.51% ((Revenue TTM 9.52b - Cost of Revenue TTM 2.71b) / Revenue TTM)
Tobins Q-Ratio = -0.66 (set to none) (Enterprise Value -5.07b / Book Value Of Equity 7.65b)
Interest Expense / Debt = 9.95% (Interest Expense 525.0m / Debt 5.28b)
Taxrate = 19.58% (from yearly Income Tax Expense: 461.0m / 2.35b)
NOPAT = 2.51b (EBIT 3.12b * (1 - 19.58%))
Current Ratio = 0.27 (Total Current Assets 35.36b / Total Current Liabilities 130.92b)
Debt / Equity = 0.28 (Debt 5.28b / last Quarter total Stockholder Equity 18.67b)
Debt / EBITDA = 1.66 (Net Debt -5.90b / EBITDA 3.17b)
Debt / FCF = 2.00 (Debt 5.28b / FCF TTM 2.64b)
Total Stockholder Equity = 18.44b (last 4 quarters mean)
RoA = 1.30% (Net Income 2.08b, Total Assets 159.21b )
RoE = 11.26% (Net Income TTM 2.08b / Total Stockholder Equity 18.44b)
RoCE = 13.14% (Ebit 3.12b / (Equity 18.44b + L.T.Debt 5.28b))
RoIC = 10.83% (NOPAT 2.51b / Invested Capital 23.14b)
WACC = 9.51% (E(24.44b)/V(29.72b) * Re(9.84%)) + (D(5.28b)/V(29.72b) * Rd(9.95%) * (1-Tc(0.20)))
Shares Correlation 5-Years: -100.0 | Cagr: -1.41%
Discount Rate = 9.84% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 71.45% ; FCFE base≈2.40b ; Y1≈2.33b ; Y5≈2.32b
Fair Price DCF = 34.34 (DCF Value 30.64b / Shares Outstanding 892.3m; 5y FCF grow -4.08% → 3.0% )
Revenue Correlation: 79.71 | Revenue CAGR: 10.08%
Rev Growth-of-Growth: -9.81
EPS Correlation: -5.00 | EPS CAGR: 11.92%
EPS Growth-of-Growth: 32.02
Additional Sources for RF Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle