ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Regions Financial Corp. ?
1
High Profitability with a Net Interest Margin of 6.91%
2
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%
3
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 -0.53%, 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
4
Below par performance in long term as well as near term
- Along with generating -0.53% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow 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.
0.42%
1.49
29.59%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.09%
EBIT Growth (5y)
21.49%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
50.71%
Pledged Shares
0
Institutional Holding
84.65%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.12
EV to EBIT
3.72
EV to EBITDA
3.55
EV to Capital Employed
1.32
EV to Sales
1.26
PEG Ratio
0.82
Dividend Yield
501.97%
ROCE (Latest)
35.56%
ROE (Latest)
10.95%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 2,626 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 1,259 MM
OPERATING PROFIT(Q)
Highest at USD 707 MM
OPERATING PROFIT MARGIN(Q)
Highest at 39.63 %
PRE-TAX PROFIT(Q)
Highest at USD 706 MM
NET PROFIT(Q)
Highest at USD 563 MM
EPS(Q)
Highest at USD 0.59
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 73.88%
Here's what is working for Regions Financial Corp.
Operating Cash Flow
Highest at USD 2,626 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Lowest at 0.82%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 1,259 MM
in the last five periodsMOJO 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 yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Profit
Highest at USD 707 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 39.63 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 706 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 563 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.59
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Regions Financial Corp.
Credit Deposit Ratio
Lowest at 73.88%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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