Regions Financial Corp

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RF : NYSE : Financial
$9.03 | %
Today's Range: 8.91 - 9.09
Avg. Daily Volume: 20,219,000
07/22/16 - 4:01 PM ET

Financial Analysis


REGIONS FINANCIAL CORP's gross profit margin for the second quarter of its fiscal year 2016 is essentially unchanged when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 2.87% from the same quarter last year.

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Income Statement Q2 FY16 Q2 FY15
Net Sales ($mil)1478.01383.0
EBITDA ($mil)657.0615.0
EBIT ($mil)657.0615.0
Net Income ($mil)275.0285.0


Balance Sheet Q2 FY16 Q2 FY15
Cash & Equiv. ($mil)4237.03755.0
Total Assets ($mil)126212.0121855.0
Total Debt ($mil)8970.05448.0
Equity ($mil)17385.016899.0


Profitability Q2 FY16 Q2 FY15
Gross Profit Margin88.0990.89
EBITDA Margin44.4544.46
Operating Margin0.00.0
Sales Turnover0.050.05
Return on Assets0.860.86
Return on Equity5.935.87
Debt Q2 FY16 Q2 FY15
Current Ratio0.00.0
Debt/Capital0.340.24
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY16 Q2 FY15
Shares outstanding (mil)1259.01330.62
Div / share0.070.06
EPS0.20.2
Book value / share13.8112.7
Institutional Own % n/a n/a
Avg Daily Volume2.0226114E72.1663136E7

Valuation


HOLD. This stock's P/E ratio indicates a discount compared to an average of 12.04 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 25.03. Conducting a second comparison, its price-to-book ratio of 0.64 indicates a significant discount versus the S&P 500 average of 2.80 and a discount versus the industry average of 1.07. The current price-to-sales ratio is similar to the S&P 500 average, but it is below the industry average, indicating a discount. 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 11.10 Peers 12.04   RF NA Peers 6.84

Average. An average P/E ratio can signify an industry neutral price for a stock and an average growth expectation.

RF is trading at a valuation on par with 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 9.76 Peers 12.09   RF 1.06 Peers 2.96

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

RF is trading at a discount to 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 significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
RF 0.64 Peers 1.07   RF 12.67 Peers 2.10

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.

 

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 1.93 Peers 2.37   RF 5.21 Peers 0.14

Discount. 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 discount to its industry on this measurement.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

RF has a sales growth rate that significantly exceeds its peers.

 

 

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