| Company Name: | Regions Financial Corporation | | Ticker Symbol: | RF | | | WWW Address: | www.regions.com | | CEO: | C. Dowd Ritter | | No. of Employees: | 30,784 | | Common Issue Type: | CS | | Business Description: | The Company provides a full range of banking and bank-related services to individual and corporate customers through its subsidiaries and branch offices.
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| | | Industry Information: | BANKING - Regional - Southeast Banks [more like this] |
| | Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 5.74 |  0.0 | - | - | 0 | 5.85 | 5.75 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 6,819.1 | 1,188.0 | 0.96 | -8.09 | 1.24 | 0.0 | 0.7 | 10.49 - 2.35 |
| | KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 5.80 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 6,890.6 | mil |
| Latest Shares Outstanding | 1,188.0 | mil |
| Earnings pS (EPS) | -8.09 | $ |
| Dividend pS (DPS) | 1.24 | ¢ |
| Dividend Yield | 0.7 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 313,040 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 1,183.6 | mil |
| Float as % of Shares Outstanding | 99.6 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | -53.7 | % |
| Pre-Tax Profit Margin | -77.1 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | -4.8 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -18.5 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 9.2 | |
| Interest Cover | 0.0 | |
| Total Debt/Equity (Gearing Ratio) | 1.54 | |
| LT Debt/Total Capital | 49.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 12.76 | $ |
| Tangible Book-Value pS | 7.45 | $ |
| Cash Flow pS | -5.69 | $ |
| Free Cash Flow pS | 2.20 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.45 | |
| Price/Tangible Book Ratio | 0.78 | |
| Price/Cash Flow | -1.0 | |
| Price/Free Cash Flow | 2.6 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/15/2009 |
| Dividend Ex-Date | 12/13/2009 |
| Dividend Record Date | 12/15/2009 |
| Dividend Pay Date | 01/03/2010 |
| Dividend Amount | 10 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.04 |
| Current Dividend Yield | 0.7 |
| 5-Y Average Dividend Yield | 4.6 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 56.0 |
|  | | Share price performance previous 3 years |
|
 | | | Share price performance intraday |
|
 | | | | | PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 6.4 | 105 | 340,912 | 850,419 |
| 4 Weeks | 5.85 | 4.61 | 4.84 | 19.8 | 112 | 319,093 | 5,743,670 |
| 13 Weeks | 6.91 | 4.61 | 5.97 | -2.8 | 90 | 368,011 | 22,816,666 |
| 26 Weeks | 6.91 | 3.30 | 4.19 | 38.4 | 115 | 384,638 | 48,464,438 |
| 52 Weeks | 10.49 | 2.35 | 10.19 | -43.1 | 46 | 335,936 | 83,983,939 |
| YTD | 9.07 | 2.35 | - | -27.1 | 59 | 359,936 | 82,065,427 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 5.61 | 5.31 | 5.59 | 4.99 | 4.78 | 0.96 | 0.94 |
| | | | GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 17.51 | 79.5 | 7.18 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | -22.54 | 50.0 | -35.52 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -3.7 | -8.8 | -11.8 |
| Earnings % | -100.0 | -100.0 | -100.0 |
| EPS % | -100.0 | -100.0 | -100.0 |
| EPS $ | -1.60 | -0.48 | -9.84 |
| | | | SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 13.31 |
| Free Cash Flow Margin 5YEAR AVG | 25.79 |
| Cash-Flow pS | 2.89 |
| Free Cash-Flow pS | 1.26 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 8.70 |
| Debt Ratio | 88.50 |
| Total Debt/Equity (Gearing Ratio) | 1.90 |
| LT Debt/Equity | 1.14 |
| LT Debt/Capital Invested | 53.35 |
| LT Debt/Total Liabilities | 14.86 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.05 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | -0.03 |
| Enterprise Value (EV)/Free Cash Flow | 5.76 |
| Dividend Yield | 0.7 |
| Price/Tangible Book Ratio - LTM | 0.78 |
| Price/Book Ratio - LTM | 0.45 |
| Price/Cash Flow Ratio | -1.0 |
| Price/Free Cash Flow Ratio - LTM | 2.6 |
| P/E Ratio (1 month ago) - LTM | 0.0 |
| P/E Ratio (26 weeks ago) - LTM | 0.0 |
| P/E Ratio (52 weeks ago) - LTM | 10.2 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 7.45 |
| Book Value pS - LTM | 12.76 |
| Capital Invested pS | 30.34 |
| Cash Flow pS - LTM | -5.69 |
| Free Cash Flow pS - LTM | 2.20 |
| Earnings pS (EPS) | -8.09 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | -41.43 |
| Return on Equity (ROE) - 5YEAR AVRG. | 0.0 |
| Return on Capital Invested (ROCI) | -15.52 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | -0.9 |
| Return on Assets (ROA) | -3.83 |
| Return on Assets (ROA) - 5YEAR AVRG. | -0.2 |
| EBIT Margin - LTM | -53.5 |
| EBITDA Margin - LTM | -53.7 |
| Pre-Tax Profit Margin | -154.37 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 11.29 |
| Net Profit Margin | -145.61 |
| Net Profit Margin - 5YEAR AVRG. | -0.47 |
| Effective Tax Rate | 5.87 |
| Effective Tax Rate - 5YEAR AVRG. | 25.61 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 304,216 |
| Net Income per Employee - LTM | -219,669 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,654.77 |
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