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Regions Financial Corp RF

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Stock XNYS Rating as of
$22.76 +0.21 (0.93%)
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As of Delayed Price Closed
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Company Report

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Regions Financial: Mostly Steady in the Second Quarter

Rajiv Bhatia

Regions Financial reported a second quarter with few surprises. The firms net interest income is performing mostly as expected, and credit trends are generally healthy, in our view. Similar to what we saw at other regional banks, Regions saw a decrease in its loan-loss provisions. Overall, there was little in the firms earnings release that would alter our long-term view, and we will maintain our no moat rating and $22 per share fair value estimate.

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Price vs Fair Value

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RF is trading at a 720% premium.
Price
$22.76
Fair Value
$85.00
Uncertainty
High
1-Star Price
$62.20
5-Star Price
$81.50
Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

A strong economy and higher rates are positives for the banking sector and are much preferable to the zero-rate environment banks were previously stuck in.

Bears

There are few positive catalysts left for the banks. Funding costs are running higher, net interest income has likely peaked, higher regulatory scrutiny is likely, and a potential recession with higher charge-offs may be around the corner.

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News

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Trading Information

Previous Close Price
$22.55
Day Range
$22.49–22.80
52-Week Range
$13.72–22.86
Bid/Ask
$22.78 / $22.95
Market Cap
$20.83 Bil
Volume/Avg
7.3 Mil / 7.5 Mil

Key Statistics

Price/Earnings (Normalized)
11.12
Price/Sales
2.95
Dividend Yield (Trailing)
4.22%
Dividend Yield (Forward)
4.39%
Total Yield
5.92%

Company Profile

Regions Financial is a regional bank headquartered in Alabama, with branches primarily in the Southeastern and Midwestern United States. Regions primarily provides traditional commercial and retail banking and also offers mortgage services, asset management, wealth management, securities brokerage, and trust services.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Mid Value
Total Number of Employees
19,641
Website
https://www.regions.com

Competitors

Valuation

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Metric
RF
TFC
PNC
Price/Earnings (Normalized)
 11.1212.6513.44
Price/Book Value
 1.341.041.37
Price/Sales
 2.954.093.55
Price/Cash Flow
 7.437.449.79
Price/Earnings
RF
TFC
PNC

Financial Strength

Metric
RF
TFC
PNC
Quick Ratio
 ———
Current Ratio
 ———
Interest Coverage
 ———
Quick Ratio
No chart available

Profitability

Metric
RF
TFC
PNC
Return on Assets (Normalized)
 1.26%0.96%1.05%
Return on Equity (Normalized)
 12.85%9.72%12.86%
Return on Invested Capital (Normalized)
 ———
Return on Assets
RF
TFC
PNC
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