Regions Financial (RF) stock price, revenue, and financials

Regions Financial market cap is $14.2 b, and annual revenue was $71 m in FY 2018

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+2.13 (+15.23%)

$14.2 B

RF Mkt cap, 10-Jun-2019

$494 M

Regions Financial Revenue Q2, 2019

Regions Financial Net income (Q2, 2019)390 M

Regions Financial EBIT (Q2, 2019)390 M

Regions Financial Cash, 30-Jun-20194.5 B

Regions Financial EV18.9 B

Annual

USD	FY, 2010	FY, 2011	FY, 2012	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017	FY, 2018
Revenue	3.5b	2.1b	2.1b	5.7b	5.4b	5.7b	6.0b	2.1b	71.0m
Revenue growth, %					(5%)	5%	5%
Sales and marketing expense	68.0m		87.0m					93.0m	92.0m
Operating expense total	1.8b	1.3b	1.2b					1.1b	1.1b
EBIT	(539.0m)	189.0m	1.2b					1.3b	1.6b
EBIT margin, %	(15%)	9%	56%					60%	2208%
Interest expense	1.3b	842.0m	603.0m					373.0m	602.0m
Interest income	32.0m	10.0m	11.0m
Pre tax profit	(885.0m)	161.0m	1.7b	1.6b	1.6b	1.5b	1.7b	1.9b	2.0b
Income tax expense	(346.0m)	(28.0m)	482.0m	452.0m	548.0m	455.0m	514.0m	614.0m	387.0m
Net Income	(539.0m)	(215.0m)	1.1b	1.1b	1.2b	1.1b	1.2b	1.3b	1.8b

Source: SEC Filings

Quarterly

USD	Q1, 2010	Q2, 2010	Q3, 2010	Q1, 2011	Q2, 2011	Q3, 2011	Q1, 2012	Q2, 2012	Q3, 2012	Q1, 2013	Q2, 2013	Q3, 2013	Q1, 2014	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017	Q1, 2018	Q2, 2018	Q3, 2018	Q1, 2019	Q2, 2019
Revenue	812.0m	756.0m	750.0m	843.0m	781.0m	745.0m	524.0m	507.0m	533.0m	501.0m	497.0m	495.0m	438.0m	457.0m	478.0m	470.0m	590.0m	497.0m	506.0m	526.0m	599.0m	510.0m	525.0m	515.0m	507.0m	512.0m		502.0m	494.0m
Cost of goods sold																											156.0m
Operating expense total	461.0m	377.0m	395.0m	387.0m	451.0m	356.0m	313.0m	249.0m	256.0m	236.0m	271.0m	266.0m	199.0m	217.0m	205.0m	285.0m	292.0m	258.0m	230.0m	270.0m	281.0m	234.0m	241.0m	228.0m	225.0m	235.0m	922.0m	224.0m	228.0m
EBIT				69.0m	109.0m		239.0m	351.0m	312.0m	333.0m	268.0m	293.0m	307.0m	299.0m	322.0m	236.0m	289.0m	262.0m	273.0m	272.0m	319.0m	294.0m	317.0m	312.0m	414.0m	378.0m		394.0m	390.0m
EBIT margin, %				8%	14%		46%	69%	59%	66%	54%	59%	70%	65%	67%	50%	49%	53%	54%	52%	53%	58%	60%	61%	82%	74%		78%	79%
Interest expense	384.0m	324.0m	290.0m	237.0m	222.0m	206.0m	170.0m	156.0m	147.0m	113.0m	99.0m	87.0m	82.0m	77.0m	76.0m	71.0m	63.0m	65.0m	74.0m	78.0m	82.0m	85.0m	89.0m	97.0m	122.0m	136.0m		223.0m	235.0m
Pre tax profit	(357.0m)	(365.0m)	(305.0m)	57.0m	49.0m	182.0m	321.0m	477.0m	448.0m	447.0m	390.0m	417.0m	435.0m	424.0m	449.0m	331.0m	413.0m	378.0m	386.0m	387.0m	471.0m	422.0m	450.0m	451.0m	542.0m	467.0m	455.0m	499.0m	483.0m
Income tax expense	(161.0m)	(88.0m)	(150.0m)	(12.0m)	(60.0m)	27.0m	82.0m	126.0m	136.0m	114.0m	122.0m	124.0m	128.0m	125.0m	127.0m	95.0m	124.0m	116.0m	113.0m	115.0m	152.0m	128.0m	133.0m	139.0m	128.0m	89.0m	85.0m	105.0m	93.0m
Net Income	(196.0m)	(277.0m)	(155.0m)	69.0m	109.0m	155.0m	199.0m	355.0m	301.0m	335.0m	267.0m	293.0m	319.0m	300.0m	325.0m	234.0m	285.0m	258.0m	273.0m	275.0m	320.0m	301.0m	316.0m	311.0m	414.0m	375.0m	564.0m	394.0m	390.0m

Source: SEC Filings

Annual

USD	FY, 2010	FY, 2011	FY, 2012	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017	FY, 2018
Cash	6.9b	7.2b	5.5b	1.7b	1.6b	1.4b	1.9b	4.0b	3.5b
Accounts Receivable	79.7b	74.8b	72.1b	313.0m	310.0m	319.0m	319.0m	79.0b	82.3b
PP&E	2.6b	2.4b	2.3b	2.2b	2.2b	2.2b	2.1b	2.1b	2.0b
Goodwill	5.6b	4.8b	4.8b	4.8b	4.8b	4.9b	4.9b	4.9b	4.8b
Total Assets	132.4b	127.1b	121.3b	117.4b	119.7b	126.1b	126.0b	124.3b	125.7b
Short-term debt	6.0b	3.1b	1.6b	2.2b	2.3b	10.0m		500.0m	1.6b
Long-term debt	13.2b	8.1b	5.9b	4.8b	3.5b	8.3b	7.8b	8.1b	12.4b
Total Debt	13.2b	8.1b	5.9b	7.0b	5.7b	8.4b	7.8b	8.1b	12.4b
Total Liabilities	115.6b	110.6b	105.8b					108.1b	110.6b
Common Stock	13.0m	13.0m	15.0m	14.0m	14.0m	13.0m	13.0m	12.0m	11.0m
Preferred Stock	3.4b	3.4b		450.0m	884.0m	820.0m	820.0m	820.0m	820.0m
Additional Paid-in Capital	19.1b	19.1b	19.7b	19.2b	18.8b	17.9b	17.1b	15.9b	13.8b
Retained Earnings	(4.0b)	(4.5b)	(3.3b)	(2.2b)	(1.1b)	(115.0m)	666.0m	1.6b	2.8b
Total Equity	16.7b	16.5b	15.5b	15.8b	17.0b	16.8b	16.7b	16.2b	15.1b
Debt to Equity Ratio	0.8 x	0.5 x	0.4 x	0.4 x	0.3 x	0.5 x	0.5 x	0.5 x	0.8 x
Debt to Assets Ratio	0.1 x	0.1 x	0 x	0.1 x	0 x	0.1 x	0.1 x	0.1 x	0.1 x
Financial Leverage	7.9 x	7.7 x	7.8 x	7.4 x	7 x	7.5 x	7.6 x	7.7 x	8.3 x

Source: SEC Filings

Quarterly

USD	Q1, 2010	Q2, 2010	Q3, 2010	Q1, 2011	Q2, 2011	Q3, 2011	Q1, 2012	Q2, 2012	Q3, 2012	Q1, 2013	Q2, 2013	Q3, 2013	Q1, 2014	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017	Q1, 2018	Q2, 2018	Q3, 2018	Q1, 2019	Q2, 2019
Cash	6.9b			7.3b	8.0b	8.3b	7.5b	3.8b	3.9b	4.9b	4.3b	3.9b	5.2b	4.8b	4.8b	6.0b	3.8b	5.0b	4.4b	4.2b	4.2b	4.4b	4.1b	3.8b	3.2b	4.3b	3.5b	3.8b	4.5b
Accounts Receivable	85.0b			78.2b	78.1b	76.5b	74.2b	73.9b	73.2b	72.2b	73.4b	74.4b	74.4b	75.3b	75.4b	77.1b	79.0b	79.9b	80.5b	80.6b	79.8b	78.8b	79.1b	78.3b	79.0b	79.6b	81.0b	83.6b	82.7b
PP&E	2.6b			2.5b	2.5b	2.4b	2.4b	2.3b	2.3b	2.3b	2.2b	2.2b	2.2b	2.2b	2.2b	2.2b	2.1b	2.1b	2.1b	2.1b	2.1b	2.1b	2.1b	2.1b	2.1b	2.1b	2.1b	2.0b	2.0b
Goodwill	5.6b			5.6b	5.6b	5.6b	4.8b	4.8b	4.8b	4.8b	4.8b	4.8b	4.8b	4.8b	4.8b	4.8b	4.8b	4.8b	4.9b	4.9b	4.9b	4.9b	4.9b	4.9b	4.9b	4.9b	4.8b	4.8b	4.8b
Total Assets	137.2b			131.8b	130.9b	129.8b	128.3b	122.3b	121.8b	119.7b	118.7b	116.9b	117.9b	118.7b	119.2b	122.4b	121.9b	124.8b	125.5b	126.2b	125.2b	124.5b	124.6b	123.3b	122.9b	124.6b	124.6b	128.8b	127.5b
Short-term debt	2.7b			3.2b	2.7b	2.9b	2.9b	3.3b	1.9b	1.8b	3.9b	1.8b				2.1b	1.8b			2.0m			600.0m	600.0m		1.4b	3.3b	1.6b	4.3b
Long-term debt	15.7b			12.2b	11.6b	10.1b	7.2b	6.2b	6.2b	5.8b	4.9b	4.8b	4.2b	3.8b	3.8b	3.2b	3.6b	7.4b	7.9b	9.0b	6.1b	6.0b	6.8b	6.1b	7.9b	9.9b	11.2b	13.0b	9.2b
Total Debt	15.7b			12.2b	11.6b	10.1b	7.2b	6.2b	6.2b	5.8b	4.9b	4.8b	4.2b	3.8b	3.8b	3.2b	3.6b	7.4b	7.9b	9.0b	6.1b	6.0b	6.8b	6.1b	7.9b	9.9b	11.2b	13.0b	9.2b
Total Liabilities	119.6b			115.1b	114.0b	112.5b	110.7b	107.9b	106.9b	104.0b	103.4b	101.4b	101.8b	101.7b	102.1b	105.4b	105.0b	107.8b	108.3b	108.8b	107.8b	107.8b	107.8b	106.6b	107.0b	108.8b	109.8b	113.3b	110.9b
Common Stock	12.0m			13.0m	13.0m	13.0m	15.0m	15.0m	15.0m	15.0m	14.0m	14.0m	14.0m	14.0m	14.0m	14.0m	14.0m	13.0m	13.0m	13.0m	13.0m	12.0m	12.0m	12.0m	12.0m	12.0m	11.0m	11.0m	11.0m
Preferred Stock	3.4b			3.4b	3.4b	3.4b	3.4b			474.0m	466.0m	458.0m	442.0m	920.0m	900.0m	868.0m	852.0m	836.0m	820.0m	820.0m	820.0m	820.0m	820.0m	820.0m	820.0m	820.0m	820.0m	820.0m	1.3b
Additional Paid-in Capital	18.8b			19.0b	19.1b	19.1b	19.9b	19.9b	19.9b	19.6b	19.4b	19.2b	19.2b	19.1b	19.1b	18.6b	18.4b	18.0b	17.7b	17.5b	17.3b	17.0b	16.8b	16.3b	15.6b	15.4b	14.1b	13.6b	13.4b
Retained Earnings	(3.5b)			(4.0b)	(4.0b)	(3.9b)	(4.4b)	(4.1b)	(3.8b)	(3.0b)	(2.7b)	(2.4b)	(1.9b)	(1.6b)	(1.3b)	(943.0m)	(658.0m)	(400.0m)	62.0m	242.0m	465.0m	873.0m	1.1b	1.3b	1.9b	2.2b	2.6b	3.1b	3.3b
Total Equity	17.6b	13.0m	13.0m	16.6b	16.9b	17.3b	17.5b	14.5b	14.9b	15.7b	15.3b	15.5b	16.1b	17.0b	17.2b	17.1b	16.9b	17.0b	17.2b	17.4b	17.4b	16.7b	16.9b	16.6b	15.9b	15.8b	14.8b	15.5b	16.6b
Debt to Equity Ratio	0.9 x			0.7 x	0.7 x	0.6 x	0.4 x	0.4 x	0.4 x	0.4 x	0.3 x	0.3 x	0.3 x	0.2 x	0.2 x	0.2 x	0.2 x	0.4 x	0.5 x	0.5 x	0.3 x	0.4 x	0.4 x	0.4 x	0.5 x	0.6 x	0.8 x	0.8 x	0.6 x
Debt to Assets Ratio	0.1 x			0.1 x	0.1 x	0.1 x	0.1 x	0.1 x	0.1 x	0 x	0 x	0 x	0 x	0 x	0 x	0 x	0 x	0.1 x	0.1 x	0.1 x	0 x	0 x	0.1 x	0 x	0.1 x	0.1 x	0.1 x	0.1 x	0.1 x
Financial Leverage	7.8 x			7.9 x	7.8 x	7.5 x	7.3 x	8.5 x	8.2 x	7.6 x	7.7 x	7.5 x	7.3 x	7 x	6.9 x	7.2 x	7.2 x	7.4 x	7.3 x	7.3 x	7.2 x	7.4 x	7.4 x	7.4 x	7.7 x	7.9 x	8.4 x	8.3 x	7.7 x

Source: SEC Filings

Annual

USD	FY, 2010	FY, 2011	FY, 2012	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017	FY, 2018
Net Income	(539.0m)	(215.0m)	1.1b	1.1b	1.2b	1.1b	1.2b	1.3b	1.8b
Depreciation and Amortization	13.0m	20.0m	717.0m					537.0m	462.0m
Cash From Operating Activities	4.2b	4.8b	2.4b	3.8b	2.1b	1.6b	2.0b	2.3b	2.3b
Purchases of PP&E				(978.0m)	(1.1b)	(1.1b)	(985.0m)
Cash From Investing Activities	4.1b	659.0m	1.0b	(125.0m)	(3.8b)	(6.1b)	(631.0m)	(785.0m)	(3.0b)
Short-term Borrowings	269.0m	(870.0m)	(564.0m)	608.0m	71.0m	(2.2b)	(10.0m)	500.0m	1.1b
Long-term Borrowings	(9.1b)	(6.0b)	(2.2b)					(6.3b)	(17.5b)
Dividends Paid	(49.0m)	(51.0m)	(54.0m)					(346.0m)	(452.0m)
Cash From Financing Activities	(9.4b)	(5.1b)	(5.2b)	(3.9b)	405.0m	5.9b	(1.2b)	(3.0b)	327.0m
Net Change in Cash	(1.1b)	326.0m	(1.8b)					(1.5b)	(443.0m)
Interest Paid	1.4b							363.0m	581.0m
Income Taxes Paid	(555.0m)	(98.0m)	80.0m					181.0m	57.0m
Free Cash Flow	4.0b	4.6b	2.3b

Source: SEC Filings

Quarterly

USD	Q1, 2010	Q2, 2010	Q3, 2010	Q1, 2011	Q2, 2011	Q3, 2011	Q1, 2012	Q2, 2012	Q3, 2012	Q1, 2013	Q2, 2013	Q3, 2013	Q1, 2014	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017	Q1, 2018	Q2, 2018	Q3, 2018	Q1, 2019	Q2, 2019
Net Income	(196.0m)	(473.0m)	(628.0m)	69.0m	178.0m	333.0m	199.0m	554.0m	855.0m	335.0m	602.0m	895.0m	319.0m	619.0m	944.0m	234.0m	519.0m	777.0m	273.0m	548.0m	868.0m	301.0m	617.0m	928.0m	414.0m	789.0m	1.4b	394.0m	784.0m
Depreciation and Amortization					138.0m	205.0m	62.0m	125.0m	530.0m	171.0m	342.0m	497.0m	122.0m	248.0m	391.0m	123.0m	252.0m	384.0m	130.0m	267.0m	425.0m	140.0m	274.0m	410.0m	121.0m	239.0m	355.0m	105.0m	212.0m
Cash From Operating Activities	1.7b	2.8b	3.3b	1.3b	2.8b	4.6b	755.0m	1.0b	2.2b	1.1b	2.2b	3.1b	421.0m	743.0m	1.5b	294.0m	767.0m	1.6b	790.0m	1.1b	1.7b	736.0m	1.2b	2.0b	154.0m	660.0m	1.3b	578.0m	1.3b
Cash From Investing Activities	1.4b	3.0b	3.7b	(925.0m)	(676.0m)	(430.0m)	(1.8b)	(562.0m)	25.0m	(579.0m)	(1.5b)	(394.0m)	(580.0m)	(1.6b)	(2.7b)	(904.0m)	(3.1b)	(4.3b)	(656.0m)	(1.1b)	(503.0m)	(129.0m)	(561.0m)	38.0m	(44.0m)	(714.0m)	(1.8b)	(1.7b)	35.0m
Short-term Borrowings	(984.0m)	(704.0m)	(7.0m)	(755.0m)	(1.2b)	(994.0m)	(159.0m)	1.2b	(202.0m)	256.0m	2.3b	199.0m	(201.0m)	(364.0m)	(289.0m)	(168.0m)	(407.0m)	(2.3b)	(10.0m)	(8.0m)	(10.0m)		600.0m	600.0m	(500.0m)	900.0m	2.8b		2.7b
Long-term Borrowings	(2.9b)	(3.9b)	(5.0b)	(1.6b)	(2.5b)	(4.0b)	(900.0m)	(1.9b)	(1.9b)		(1.7b)	(1.7b)	(600.0m)	(1.0b)	(1.0b)	(293.0m)	(1.1b)	(1.1b)	(1.0b)	(1.0b)	(3.9b)	(1.7b)	(2.3b)	(4.5b)	(4.5b)	(6.3b)	(7.7b)	(11.5b)	(24.1b)
Dividends Paid	(12.0m)	(24.0m)	(36.0m)	(13.0m)	(25.0m)	(39.0m)	(13.0m)	(27.0m)	(41.0m)	(14.0m)	(56.0m)	(97.0m)	(41.0m)	(111.0m)	(180.0m)	(67.0m)	(147.0m)	(226.0m)	(80.0m)	(154.0m)	(236.0m)	(157.0m)	(241.0m)	(346.0m)	(102.0m)	(203.0m)	(304.0m)	(143.0m)	(286.0m)
Cash From Financing Activities	(4.3b)	(6.4b)	(8.1b)	(6.0m)	(1.1b)	(2.8b)	1.3b	(4.0b)	(5.6b)	(1.1b)	(1.9b)	(4.4b)	82.0m	355.0m	655.0m	2.6b	2.1b	3.8b	(1.1b)	(1.1b)	(2.3b)	(1.7b)	(1.9b)	(3.7b)	(906.0m)	359.0m	77.0m	1.4b	(406.0m)
Net Change in Cash	(1.1b)	(600.0m)	(1.1b)	401.0m	1.1b	1.3b	228.0m	(3.5b)	(3.3b)	(556.0m)	(1.2b)	(1.6b)	(77.0m)	(454.0m)	(490.0m)	2.0b	(249.0m)	1.0b	(924.0m)	(1.1b)	(1.1b)	(1.1b)	(1.3b)	(1.7b)	(796.0m)	305.0m	(486.0m)	269.0m	950.0m
Free Cash Flow	1.7b	2.7b	3.2b	1.3b	2.7b	4.5b	718.0m	958.0m	2.1b	1.1b	2.1b	3.0b	384.0m	648.0m

Source: SEC Filings

USD	Y, 2019
EV/EBIT	54.2 x
EV/CFO	16 x
Debt/Equity	0.6 x
Debt/Assets	0.1 x
Financial Leverage	7.7 x

Regions Financial's Total Loans was reported to be $80.1b in Q2, 2017.

	FY, 2014	Q1, 2015	Q2, 2015	Q3, 2015	FY, 2015	Q1, 2016	Q2, 2016	Q3, 2016	FY, 2016	Q1, 2017	Q2, 2017
ATMs	2 k				1.96 k				2 k
Bank Branches	1.67 k				1.63 k				1.67 k
Non-performing Loans	$867 m	$832 m	$777 m	$832 m	$820 m	$1.02 b	$1.06 b	$1.09 b	$1.01 b	$1 b	$823 m
Total Loans	$77.31 b	$78.24 b	$80.15 b	$81.06 b	$81.16 b	$81.61 b	$81.70 b	$80.88 b	$80.10 b	$79.87 b	$80.13 b