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Regions Financial Corp
RF : NYSE : Financial
$10.18 -0.06 | -0.59%
Today's Range: 10.15 - 10.27
Avg. Daily Volume: 13,033,600
07/29/14 - 4:00 PM ET

Financial Analysis


REGIONS FINANCIAL CORP's gross profit margin for the second quarter of its fiscal year 2014 is essentially unchanged when compared to the same period a year ago. Even though sales decreased, the net income has increased, representing an increase to the bottom line.

During the same period, stockholders' equity ("net worth") has increased by 11.09% from the same quarter last year.

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Income Statement Q2 FY14 Q2 FY13
Net Sales ($mil)1356.01404.0
EBITDA ($mil)641.0661.0
EBIT ($mil)641.0661.0
Net Income ($mil)300.0267.0


Balance Sheet Q2 FY14 Q2 FY13
Cash & Equiv. ($mil)4819.04280.0
Total Assets ($mil)118719.0118707.0
Total Debt ($mil)5642.08733.0
Equity ($mil)17029.015329.0


Profitability Q2 FY14 Q2 FY13
Gross Profit Margin91.7490.74
EBITDA Margin47.2747.07
Operating Margin47.270.0
Sales Turnover0.050.05
Return on Assets0.950.98
Return on Equity6.57.63
Debt Q2 FY14 Q2 FY13
Current Ratio0.00.0
Debt/Capital0.250.36
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY14 Q2 FY13
Shares outstanding (mil)1378.01395.23
Div / share0.050.03
EPS0.210.18
Book value / share12.3610.99
Institutional Own % n/a n/a
Avg Daily Volume1.3051636E71.4677967E7

Valuation


BUY. The current P/E ratio indicates a significant discount compared to an average of 28.75 for the Commercial Banks industry and a discount compared to the S&P 500 average of 19.71. Conducting a second comparison, its price-to-book ratio of 0.83 indicates a significant discount versus the S&P 500 average of 2.73 and a discount versus the industry average of 1.26. The current price-to-sales ratio is well above the S&P 500 average and above the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, REGIONS FINANCIAL CORP proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
RF 13.03 Peers 28.75   RF NA Peers 8.60

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

RF is trading at a significant discount to its peers.

 

Neutral. The P/CF ratio is the stock’s price divided by the sum of the company's cash flow from operations. It is useful for comparing companies with different capital requirements or financing structures.

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
RF 11.43 Peers 13.40   RF NA Peers 1.32

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

RF is trading at a valuation on par with its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

Ratio not available.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
RF 0.83 Peers 1.26   RF -3.66 Peers -1.88

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

RF is trading at a significant discount to its peers.

 

Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, RF is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
RF 2.59 Peers 2.56   RF -5.53 Peers -1.56

Average. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

RF is trading at a valuation on par with its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

RF significantly trails its peers on the basis of sales growth

 

 

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