Regions Financial Corp. (RF) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Regions Financial Corp.

U.S. Bancorp

Credicorp Ltd.

Capital One Financial Corp.

JPMorgan Chase & Co.

Citigroup, Inc.

Bank of America Corp.

Wells Fargo & Co.

The PNC Financial Services Group, Inc.

Citizens Financial Group, Inc. (Rhode Island)

Huntington Bancshares, Inc.

Why is Regions Financial Corp. ?

High Profitability with a Net Interest Margin of 6.91%

Positive results in Jun 25

OPERATING CASH FLOW(Y) Highest at USD 2,626 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
GROSS NPA (%)(Q) Lowest at 0.82%

With ROA of 0.85%, it has a fair valuation with a 1.12 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 9.61%, its profits have risen by 10.8% ; the PEG ratio of the company is 0.8
At the current price, the company has a high dividend yield of 502

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Regions Financial Corp. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Regions Financial Corp. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Regions Financial Corp.

19.96%

1.79

29.71%

S&P 500

20.12%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

10.66%

EBIT Growth (5y)

12.67%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

44.78%

Pledged Shares

Institutional Holding

87.75%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.18

EV to EBIT

5.97

EV to EBITDA

5.83

EV to Capital Employed

1.27

EV to Sales

2.23

PEG Ratio

0.39

Dividend Yield

359.90%

ROCE (Latest)

21.34%

ROE (Latest)

11.47%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bearish

Bullish

OBV

Mildly Bearish

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

GROSS NPA (%)

OPERATING CASH FLOW(Y)

Highest at USD 2,500 MM

ROCE(HY)

Highest at 1.36%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NII(Q)

Highest at USD 1,281 MM

PRE-TAX PROFIT(Q)

Highest at USD 717 MM

-4What is not working for the Company

ROCE(HY)

Lowest at 1.36%

CASH AND EQV(HY)

Lowest at USD 15,211 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 72.93%

Here's what is working for Regions Financial Corp.

Non Performing Loans (%)

Lowest at 0.73% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 1,281 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 2,500 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Pre-Tax Profit

Highest at USD 717 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Here's what is not working for Regions Financial Corp.

Cash and Eqv

Lowest at USD 15,211 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Credit Deposit Ratio

Lowest at 72.93%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)