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RF Regions Financial

Regions Financial Corporation, with $147 billion in assets, is a member of the S&P 500 Index and is one of the nation's largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas, and through its subsidiary, Regions Bank, operates more than 1,300 banking offices and 2,000 ATMs. Regions Bank is an Equal Housing Lender and Member FDIC.

Company profile

Ticker
RF, RF+B, RF+C, RF+E
Exchange
Website
CEO
John Turner
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
Former names
NEW REGIONS FINANCIAL CORP
SEC CIK
Subsidiaries
1.A-F Leasing, Ltd. • 2.Ascentium Capital LLC • 3.Ascentium Depositor LLC • 4.BlackArch Partners LLC • 5.BlackArch Securities LLC • 6.First Sterling Associates, No. 8 LLC • 7.First Sterling Associates No. 9 LLC • 8.First Sterling Associates No. 10 LLC • 9.First Sterling Associates No. 11 LLC • 10.First Sterling Associates No. 12 LLC ...
IRS number
630589368

RF stock data

(
)

Investment data

Data from SEC filings
Top 50 of 873 long holdings
End of quarter 30 Jun 21
Value
 
#Shares
 
$590.42M 1.37M
$375.38M 1.4M
$364.83M 1.35M
$352.31M 3.12M
$273.04M 1.99M
$220.68M 1.42M
$200.5M 2.76M
Vanguard ETF/USA
$179.34M 3.48M
$170.25M 1.79M
$168.03M 2.13M
$163.42M 731.42K
$152.68M 562.39K
$138.66M 40.31K
$136.38M 427.67K
$131.42M 572.6K
$129.76M 1.77M
$124.61M 142.42K
$124.15M 2.29M
$122.98M 872.09K
$121.31M 2.17M
$119.42M 724.89K
$117.95M 1.13M
$117.19M 1.51M
$115.96M 859.4K
$111.45M 1.34M
$109.82M 673.96K
$108.6M 1.9M
$106.89M 762.91K
$106.81M 486.94K
Vanguard ETF/USA
$102.16M 1.88M
$101.93M 1.62M
$98.75M 2.4M
$92.76M 37.99K
$91.73M 477.01K
$91.54M 640.46K
$86.84M 1.56M
$86.61M 584.55K
$86.23M 1.5M
$86.07M 494.45K
$83.71M 1.52M
$82.62M 353.33K
$81.48M 581.67K
$81.23M 161.01K
$81.08M 1.1M
$80.78M 797.33K
$77.97M 490.59K
$74.23M 658.98K
$74.14M 332.73K
$73.23M 319.25K
$73.21M 182.83K
Holdings list only includes long positions. Only includes long positions.

Calendar

5 Aug 21
23 Sep 21
31 Dec 21
Quarter (USD)
Jun 21 Mar 21 Dec 20 Sep 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Dec 18 Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from company earnings reports.

Cash burn rate (estimated) Burn method: Change in cash Burn method: Operating income/loss Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 25.59B 25.59B 25.59B 25.59B 25.59B 25.59B
Cash burn (monthly) (positive/no burn) (positive/no burn) 133.33M 307M (positive/no burn) (positive/no burn)
Cash used (since last report) n/a n/a 374.36M 861.96M n/a n/a
Cash remaining n/a n/a 25.22B 24.73B n/a n/a
Runway (months of cash) n/a n/a 189.1 80.6 n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
20 Jul 21 Johnson Joia M RSU Common Stock Grant Acquire A No No 0 5,156 0 5,156
15 Jul 21 John D Johns Phantom Stock Common Stock Grant Acquire A No No 19.73 855.297 16.87K 108,552.757
15 Jul 21 BYRD Carolyn H Phantom Stock Common Stock Grant Acquire A No No 19.73 886.974 17.5K 80,886.686
15 Jul 21 Styslinger Lee J Iii Phantom Stock Common Stock Grant Acquire A No No 19.73 1,267.106 25K 198,314.302

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

71.9% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 739 727 +1.7%
Opened positions 82 98 -16.3%
Closed positions 70 70
Increased positions 264 245 +7.8%
Reduced positions 248 254 -2.4%
13F shares
Current Prev Q Change
Total value 13.85B 14.08B -1.6%
Total shares 685.98M 681.12M +0.7%
Total puts 2.91M 2.03M +43.5%
Total calls 2.81M 3.64M -22.7%
Total put/call ratio 1.0 0.6 +85.7%
Largest owners
Shares Value Change
Vanguard 114.1M $2.3B +0.4%
BLK Blackrock 85.71M $1.73B +3.6%
STT State Street 64.28M $1.31B +2.5%
Capital World Investors 23.92M $482.78M +4.2%
JPM JPMorgan Chase & Co. 21.35M $430.92M -27.9%
Geode Capital Management 18.82M $379.01M +4.0%
LSV Asset Management 18.54M $374.08M +1.1%
IVZ Invesco 15.85M $319.93M +7.2%
Charles Schwab Investment Management 13.6M $274.52M +14.2%
Dimensional Fund Advisors 13.13M $264.93M -0.4%
Largest transactions
Shares Bought/sold Change
JPM JPMorgan Chase & Co. 21.35M -8.26M -27.9%
Amundi Pioneer Asset Management 0 -3.4M EXIT
Ardevora Asset Management 3.38M +3.38M NEW
Millennium Management 951.42K -3.02M -76.0%
BLK Blackrock 85.71M +2.99M +3.6%
FHI Federated Hermes 3.36M -2.71M -44.7%
Amundi 2.71M +2.71M NEW
Miller Howard Investments 2M +2M NEW
Lazard Asset Management 609.81K -1.75M -74.2%
WFC Wells Fargo & Co. 11.96M -1.7M -12.4%

Financial report summary

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Risks
  • Our businesses have been, and may continue to be, adversely affected by conditions in the financial markets and economic conditions generally.
  • Our business, financial condition, liquidity, capital and results of operations have been, and will likely continue to be, adversely affected by the COVID-19 pandemic.
  • Ineffective liquidity management could adversely affect our financial results and condition.
  • Our operations are concentrated in the Southeastern U.S., and adverse changes in the economic conditions in this region can adversely affect our financial results and condition.
  • Weather-related events and other natural disasters, including those caused or exacerbated by climate change, as well as man-made disasters, could cause a disruption in our operations or other consequences that could have an adverse impact on financial results and condition. Higher focus on climate change can also bring transition risks, which can negatively impact some sectors and borrowers in our loan portfolio.
  • If we experience greater credit losses in our loan portfolios than anticipated, our earnings may be materially adversely affected.
  • Weakness in the residential real estate markets could adversely affect our performance.
  • Weakness in the commercial real estate markets could adversely affect our performance.
  • Risks associated with home equity products where we are in a second lien position could materially adversely affect our performance.
  • Weakness in commodity businesses could adversely affect our performance.
  • Industry competition may adversely affect our degree of success.
  • Fluctuations in market interest rates may adversely affect our performance.
  • Changes in the method pursuant to which the LIBOR and other benchmark rates are determined could adversely impact our business and results of operations.
  • Any future reductions in our credit ratings may increase our funding costs and place limitations on business activities.
  • The value of our goodwill and other intangible assets may decline in the future.
  • The value of our deferred tax assets could adversely affect our operating results and regulatory capital ratios.
  • Changes in the soundness of other financial institutions could adversely affect us.
  • Our businesses may be adversely affected if we are unable to hire and retain qualified employees.
  • We are subject to a variety of operational risks, including the risk of fraud or theft by employees, which may adversely affect our business and results of operations.
  • Damage to our reputation could significantly harm our businesses.
  • We are subject to a variety of systems failure and cybersecurity risks that could adversely affect our business and financial performance.
  • We rely on other companies to provide key components of our business infrastructure.
  • We depend on the accuracy and completeness of information about clients and counterparties.
  • We are exposed to risk of environmental liability when we take title to property.
  • We rely on the mortgage secondary market for some of our liquidity.
  • We are subject to a variety of risks in connection with any sale of loans we may conduct.
  • Our reported financial results depend on management’s selection of accounting methods and certain assumptions and estimates.
  • If the models that we use in our business perform poorly or provide inadequate information, our business or results of operations may be adversely affected.
  • Changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition.
  • We are, and may in the future be, subject to litigation, investigations and governmental proceedings that may result in liabilities adversely affecting our financial condition, business or results of operations or in reputational harm.
  • We are subject to extensive governmental regulation, which could have an adverse impact on our operations.
  • We may be subject to more stringent capital and liquidity requirements.
  • Rulemaking changes implemented by the CFPB will result in higher regulatory and compliance costs that may adversely affect our results of operations.
  • We may not be able to complete future acquisitions, may not be successful in realizing the benefits of any future acquisitions that are completed, or may choose not to pursue acquisition opportunities we might find beneficial.
  • Increases in FDIC insurance assessments may adversely affect our earnings.
  • Unfavorable results from ongoing stress analyses may adversely affect our ability to retain customers or compete for new business opportunities.
  • If an orderly liquidation of a systemically important BHC or non-bank financial company were triggered, we could face assessments for the Orderly Liquidation Fund.
  • We are a holding company and depend on our subsidiaries for dividends, distributions and other payments.
  • We may not pay dividends on shares of our capital stock.
  • Anti-takeover and banking laws and certain agreements and charter provisions may adversely affect share value.
  • The market price of shares of our capital stock will fluctuate.
  • Our capital stock is subordinate to our existing and future indebtedness.
  • We may need to raise additional debt or equity capital in the future, but may be unable to do so.
  • Future issuances of additional equity securities could result in dilution of existing shareholders’ equity ownership.
  • Information About Our Executive Officers
  • Economic Environment in Regions’ Banking Markets
  • Loan Portfolio and Credit
  • Table 1— Financial Highlights
  • Table 2—GAAP to Non-GAAP Reconciliations
  • CRITICAL ACCOUNTING ESTIMATES AND RELATED POLICIES
  • Allowance for Credit Losses
  • Residential Mortgage Servicing Rights
  • NET INTEREST INCOME AND NET INTEREST MARGIN
  • Table 3—Consolidated Average Daily Balances and Yield/Rate Analysis
  • Table 4— Volume and Yield/Rate Variances
  • PROVISION FOR CREDIT LOSSES
  • Table 5—Non-Interest Income from Continuing Operations
  • Service Charges on Deposit Accounts
  • Investment Management and Trust Fee Income
  • Bank-owned Life Insurance
  • Valuation Gain on Equity Investment
  • Securities Gains (Losses), net
  • Market Value Adjustments on Employee Benefit Assets
  • Other Miscellaneous Income
  • Table 6—Non-Interest Expense from Continuing Operations
  • Salaries and Employee Benefits
  • Furniture and Equipment Expense
  • Credit/Checkcard Expenses
  • Branch Consolidation, Property and Equipment Charges
  • Visa Class B Shares Expense
  • Loss on Early Extinguishment of Debt
  • Provision (Credit) for Unfunded Credit Losses
  • Other Miscellaneous Expenses
  • Cash and Cash Equivalents
  • Table 8— Relative Contractual Maturities
  • Table 10— Selected Loan Maturities
  • Table 11—Commercial Industry Exposure
  • Table 13—Energy Industry Exposure
  • Table 14—Restaurant Industry Exposure
  • Table 15—Hotel-Related Industry Exposure
  • Table 16—Retail-Related Industry Exposure
  • Table 17—Home Equity Lines of Credit - Future Principal Payment Resets
  • Table 18—Estimated Current Loan to Value Ranges
  • Table 21—Allowance for Credit Losses
  • Table 22—Allowance Allocation
  • TROUBLED DEBT RESTRUCTURINGS (TDRs)
  • Table 23—Troubled Debt Restructurings
  • Table 24—Analysis of Changes in Commercial and Investor Real Estate TDRs
  • Table 25—Non-Performing Assets
  • OFF-BALANCE SHEET ARRANGEMENTS
  • Table 30—Interest Rate Sensitivity
  • Table 31—Hedging Derivatives by Interest Rate Risk Management Strategy
  • Table 32—Schedule of Notional for Cash Flow Hedging Derivatives
  • MARKET RISK—PREPAYMENT RISK
  • Table 33— Contractual Obligations
  • INFORMATION SECURITY RISK
  • FINANCIAL DISCLOSURE AND INTERNAL CONTROLS
  • COMPARISON OF 2019 WITH 2018—CONTINUING OPERATIONS
  • Opinion on Internal Control over Financial Reporting
  • Definition and Limitations of Internal Control Over Financial Reporting
  • Opinion on the Financial Statements
  • Adoption of New Accounting Standard
Content analysis
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