Regions Financial Corp

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RF : NYSE : Financial
$9.71 up 0.15 | 1.60%
Today's Range: 9.45 - 9.73
Avg. Daily Volume: 18,604,300
09/27/16 - 3:59 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.

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)1259.021330.62
Div / share0.070.06
EPS0.20.2
Book value / share13.8112.7
Institutional Own % n/a n/a
Avg Daily Volume1.8896532E71.9801522E7

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 13.21 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 25.19. Conducting a second comparison, its price-to-book ratio of 0.71 indicates a significant discount versus the S&P 500 average of 2.82 and a discount versus the industry average of 1.07. The current price-to-sales ratio is above the S&P 500 average, but below the industry average. 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 12.21 Peers 13.21   RF 6.37 Peers 9.17

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.

 

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 10.74 Peers 12.44   RF 1.29 Peers 4.15

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 significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
RF 0.71 Peers 1.07   RF 12.67 Peers -8.47

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 2.13 Peers 2.29   RF 5.21 Peers 1.69

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.

 

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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