Regions Financial Corporation (NYSE:RF-PC)

Regions Financial Corporation RF-PC

Financial Services - Banks - Regional - NYSE - US

Watchlist

$ 24.56

0.45 %

$ 23.8 B

Market Cap

10.19

P/E

1. INTRINSIC VALUE

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 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; 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, consumer credit cards, and other consumer loans, as well as deposits.[ Read More ]

The intrinsic value of one RF-PC stock under the base case scenario is HIDDEN Compared to the current market price of 24.6 USD, Regions Financial Corporation is HIDDEN

RF-PC Intrinsic Value
HIDDEN

SHOW

2. FUNDAMENTAL ANALYSIS

Price Chart RF-PC

FINANCIALS

Annual
Quarterly

6.9 B REVENUE

Growth Rates

1Year -3.74%

3Years 3.20%

5Years 3.45%

7Years 2.88%

10Years 2.71%

3.82 B OPERATING INCOME

Growth Rates

1Year 19.83%

3Years 42.78%

5Years 6.84%

7Years 18.61%

10Years 12.92%

2.07 B NET INCOME

Growth Rates

1Year -7.62%

3Years 23.76%

5Years 3.35%

7Years 8.62%

10Years 6.34%

2.31 B OPERATING CASH FLOW

Growth Rates

1Year -25.60%

3Years -0.23%

5Years 0.29%

7Years 2.41%

10Years -4.86%

-1.61 B INVESTING CASH FLOW

Growth Rates

1Year 87.58%

3Years 30.82%

5Years 12.00%

7Years -14.29%

10Years -29.10%

-5.13 B FINANCING CASH FLOW

Growth Rates

1Year 38.56%

3Years -9.51%

5Years -75.56%

7Years -23.26%

10Years -2.80%

1.82 B REVENUE

Growth Rates

1Year -3.74%

3Years 3.20%

5Years 3.45%

7Years 2.88%

10Years 2.71%

642 M OPERATING INCOME

Growth Rates

1Year 19.83%

3Years 42.78%

5Years 6.84%

7Years 18.61%

10Years 12.92%

490 M NET INCOME

Growth Rates

1Year -7.62%

3Years 23.76%

5Years 3.35%

7Years 8.62%

10Years 6.34%

1.11 B OPERATING CASH FLOW

Growth Rates

1Year -25.60%

3Years -0.23%

5Years 0.29%

7Years 2.41%

10Years -4.86%

-348 M INVESTING CASH FLOW

Growth Rates

1Year 87.58%

3Years 30.82%

5Years 12.00%

7Years -14.29%

10Years -29.10%

1.28 B FINANCING CASH FLOW

Growth Rates

1Year 38.56%

3Years -9.51%

5Years -75.56%

7Years -23.26%

10Years -2.80%

Balance Sheet Decomposition Regions Financial Corporation

152 B ASSETS
135 B LIABILITIES

Current Assets	2.64 B
Cash & Short-Term Investments	2.64 B
Receivables	0
Other Current Assets	0
Non-Current Assets	180 B
Long-Term Investments	30.3 B
PP&E	2.1 B
Other Non-Current Assets	147 B

Current Liabilities	0
Accounts Payable	0
Short-Term Debt	0
Other Current Liabilities	0
Non-Current Liabilities	135 B
Long-Term Debt	2.33 B
Other Non-Current Liabilities	132 B

EFFICIENCY

Earnings Waterfall Regions Financial Corporation

Revenue	6.9 B
Cost Of Revenue	0
Gross Profit	6.9 B
Operating Expenses	3.2 B
Operating Income	3.82 B
Other Expenses	1.75 B
Net Income	2.07 B

RATIOS

100.00% GROSS MARGIN

Averages

1Year 100.00%

3Years 100.00%

5Years 100.00%

7Years 100.00%

10Years 100.00%

55.46% OPERATING MARGIN

Averages

1Year 55.46%

3Years 49.98%

5Years 40.90%

7Years 39.10%

10Years 33.65%

30.07% NET MARGIN

Averages

1Year 30.07%

3Years 33.52%

5Years 28.96%

7Years 28.16%

10Years 26.00%

11.90% ROE

Averages

1Year 11.90%

3Years 13.24%

5Years 11.10%

7Years 10.71%

10Years 9.50%

1.36% ROA

Averages

1Year 1.36%

3Years 1.45%

5Years 1.27%

7Years 1.25%

10Years 1.15%

15.40% ROIC

Averages

1Year 15.40%

3Years 13.74%

5Years 10.46%

7Years 9.04%

10Years 7.35%

FREE CASH FLOW ANALYSIS

Free Cash Flow Analysis Regions Financial Corporation

Net Income	2.07 B
Depreciation & Amortization	236 M
Capital Expenditures	0
Stock-Based Compensation	0
Change in Working Capital	-574 M
Others	-228 M
Free Cash Flow	2.15 B

3. WALL STREET ANALYSTS ESTIMATES

Wall Street Analysts Price Targets Regions Financial Corporation

RF-PC has no price targets from Wall Street.

4. DIVIDEND ANALYSIS

1.17% DIVIDEND YIELD

0.356 USD DIVIDEND PER SHARE

5. COMPETITION

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KEY-PK

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KEY-PI

Overvalued 109.23%

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U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities and other financial institutions in the United States.

68.4 USD

USB-PH

Undervalued 208.05%

Fifth Third Bancorp operates as a diversified financial services company in the United States. The company's Commercial Banking segment offers credit intermediation, cash management, and financial services; lending and depository products; and cash management, foreign exchange and international trade finance, derivatives and capital markets services, asset-based lending, real estate finance, public finance, commercial leasing, and syndicated finance for business, government, and professional customers.

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FITBI

Overvalued 39.44%

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CFG-PE

Overvalued 119.04%

6. Ownership

Insider Ownership Regions Financial Corporation

Summary
Transactions

Sold

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

0 USD 0

9-12 MONTHS

500 K USD 1

Bought

0 USD 0

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

0 USD 0

9-12 MONTHS

Date	Value	Insider	Amount	Avg Price
11 months ago Dec 08, 2023	Sell 500 K USD	Lusco C. Matthew SEVP & CRO	- 28617	17.4665 USD
1 year ago Aug 07, 2023	Sell 209 K USD	Smith Ronald G. SEVP	- 10000	20.93 USD
1 year ago May 17, 2023	Bought 200 K USD	Hill J Thomas Director	+ 11926	16.7813 USD
1 year ago Jan 27, 2023	Sell 304 K USD	Ritter William D. SEVP	- 13000	23.4197 USD
1 year ago Jan 25, 2023	Sell 2.28 M USD	Lusco C. Matthew SEVP & CRO	- 100000	22.8276 USD
3 years ago Nov 10, 2021	Sell 613 K USD	Duggirala Amala SEVP	- 25000	24.5002 USD
3 years ago Jan 04, 2021	Bought 6.99 K USD	Duggirala Amala SEVP	+ 432.2089	16.18 USD
3 years ago Dec 14, 2020	Bought 1.7 K USD	Duggirala Amala SEVP	+ 100	17 USD
3 years ago Dec 14, 2020	Bought 1.8 K USD	Duggirala Amala SEVP	+ 100	18 USD
3 years ago Dec 14, 2020	Bought 1.9 K USD	Duggirala Amala SEVP	+ 100	19 USD
3 years ago May 12, 2021	Sell 1.01 M USD	Lusco C. Matthew SEVP & CRO	- 45000	22.54 USD
3 years ago Apr 27, 2021	Sell 1.86 M USD	Turner David J Jr CFO	- 88000	21.1147 USD
3 years ago Apr 27, 2021	Sell 252 K USD	Peters Scott M. SEVP	- 12000	21 USD
3 years ago Apr 27, 2021	Sell 819 K USD	Ritter William D. SEVP	- 39011	20.9923 USD
3 years ago Apr 27, 2021	Sell 20.7 K USD	Ritter William D. SEVP	- 989	20.965 USD
3 years ago Apr 27, 2021	Sell 284 K USD	Keenan David R. SEVP	- 13435	21.12 USD
3 years ago Feb 16, 2021	Sell 1.14 M USD	Smith Ronald G. SEVP	- 56147	20.2288 USD
3 years ago Feb 05, 2021	Sell 761 K USD	Owen John B SEVP & COO	- 40000	19.0364 USD
3 years ago Feb 01, 2021	Sell 7.37 K USD	Danella Katherine R SEVP	- 427.9	17.2212 USD
3 years ago Jan 26, 2021	Sell 1.33 M USD	Owen John B SEVP & COO	- 75000	17.7325 USD
4 years ago Nov 17, 2020	Sell 419 K USD	Keenan David R. SEVP	- 27000	15.5214 USD
4 years ago Nov 18, 2020	Sell 403 K USD	Ritter William D. SEVP	- 26000	15.4915 USD
4 years ago Nov 09, 2020	Sell 386 K USD	Peters Scott M. SEVP	- 25000	15.45 USD
4 years ago Nov 04, 2020	Sell 561 K USD	Lusco C. Matthew SEVP & CRO	- 42500	13.2022 USD
4 years ago May 11, 2020	Bought 98.8 K USD	SUQUET JOSE S Director	+ 10000	9.8789 USD
4 years ago May 08, 2020	Bought 51 K USD	SUQUET JOSE S Director	+ 5000	10.2086 USD
4 years ago Nov 26, 2019	Sell 510 K USD	Keenan David R. SEVP	- 30658	16.6465 USD
5 years ago Oct 24, 2019	Sell 300 K USD	KIMBROUGH HARDIE B. JR Controller	- 18409	16.2698 USD
5 years ago Sep 13, 2019	Sell 329 K USD	Lusco C. Matthew SEVP & CRO	- 20000	16.4261 USD
5 years ago Aug 29, 2019	Sell 1.01 M USD	Herron C. Keith SEVP	- 69288	14.5054 USD
5 years ago Aug 09, 2019	Sell 585 K USD	Owen John B SEVP & COO	- 40000	14.6254 USD
5 years ago Aug 09, 2019	Sell 105 K USD	KIMBROUGH HARDIE B. JR Controller	- 7148	14.6809 USD
5 years ago May 02, 2019	Sell 1.48 M USD	Gale Fournier J. III SEVP & GC	- 95905	15.398 USD

7. News

8. Profile Summary

Regions Financial Corporation RF-PC

COUNTRY US

INDUSTRY Banks - Regional

MARKET CAP $ 23.8 B

Dividend Yield 1.17%

Description 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 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; 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, consumer credit cards, and other consumer loans, as well as deposits. 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 March 01, 2022, it operated through a network of 1,300 banking offices and 2,000 automated teller machines across the South, Midwest, and Texas. Regions Financial Corporation was founded in 1971 and is headquartered in Birmingham, Alabama.

Contact 1900 Fifth Avenue North, Birmingham, AL, 35203 https://www.regions.com

IPO Date April 24, 2019

Employees 20101

Officers Mr. David R. Keenan Senior EVice President, Chief Administrative & Human Resources Officer Ms. Dana Nolan EVice President & Head of Investor Relations Mr. David Jackson Turner Jr. Senior EVice President & Chief Financial Officer Mr. Ryan Sladek Head of Sales Ms. Tara Ann Plimpton Senior EVice President, Chief Legal Officer & Corporate Secretary Mr. Tom H. Speir Head of Strategy & Corporate Development Mr. John M. Turner Jr. President, Chief Executive Officer & Chairman Mr. Ronald G. Smith Senior EVice President & Head of Corporate Banking Group Mr. C. Dandridge Massey Senior EVice President and Chief Enterprise Operations & Technology Officer Ms. Anna Brackin Chief Compliance Officer

Price Chart RF-PC

Regions Financial Corporation RF-PC

Premium Plan

Unlimited Plan