Regions Financial Corp

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RF : NYSE : Financial
$14.33 -0.14 | -0.97%
Today's Range: 14.28 - 14.54
Avg. Daily Volume: 1.70437E7
07/20/17 - 3:41 PM ET

Financial Analysis


REGIONS FINANCIAL CORP's gross profit margin for the first quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. The company has grown sales and net income during the past quarter when compared with the same quarter a year ago, however, it was unable to keep up with the growth of the average competitor within its industry.

During the same period, stockholders' equity ("net worth") has remained virtually unchanged only decreasing by 2.84% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)1476.01466.0
EBITDA ($mil)656.0613.0
EBIT ($mil)656.0613.0
Net Income ($mil)301.0273.0


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)4374.04390.0
Total Assets ($mil)124545.0125539.0
Total Debt ($mil)6010.07851.0
Equity ($mil)16722.017211.0


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin88.0185.4
EBITDA Margin44.4441.81
Operating Margin0.00.0
Sales Turnover0.050.05
Return on Assets0.950.87
Return on Equity6.666.08
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.260.31
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)1205.121274.81
Div / share0.070.06
EPS0.230.2
Book value / share13.8813.5
Institutional Own % n/a n/a
Avg Daily Volume1.8100548E71.575749E7

Valuation


BUY. The current P/E ratio indicates a significant discount compared to an average of 46.26 for the Commercial Banks industry and a discount compared to the S&P 500 average of 24.41. Conducting a second comparison, its price-to-book ratio of 1.07 indicates a significant discount versus the S&P 500 average of 3.04 and a discount versus the industry average of 1.31. 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 16.47 Peers 46.26   RF 9.26 Peers 14.84

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.

 

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

RF is trading at a significant discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
RF 13.23 Peers 14.23   RF 1.30 Peers 1.68

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.

 

Discount. 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.

RF trades at a discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
RF 1.07 Peers 1.31   RF 12.50 Peers 3.49

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 discount to its peers.

 

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

RF is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
RF 3.02 Peers 2.96   RF 3.93 Peers 5.01

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 trails its peers on the basis of sales growth

 

 

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