Is Regions Financial Likely to Outperform?

With shares of Regions Financial Corp. (NYSE:RF) trading at around $7.43, is RF an OUTPERFORM, WAIT AND SEE or STAY AWAY? Let’s analyze the stock with the relevant sections of our CHEAT SHEET investing framework:

C = Catalyst for the Stock’s Movement


Regions Financial swung to a gain compared to last year’s Q4 loss. Q4 EPS came in at $0.18 per diluted share. Net interest income was stable at $818 million. Total revenue was $1.35 billion. FY2012 EPS was $0.76 per diluted share.

Regions Financial has taken all the necessary steps to turn its ship around. In 2012, bailouts were repaid, the sale of Morgan Keenan was completed, and the company’s credit rating was improved. In addition to that, there were increased loans to middle market companies, increased auto loans, new consumer products launched, and aggressive investments made in mobile and online platforms. There aren’t many negatives to report — one of the few was that the company earned less from interest on loans due to consumers still paying off old loans.

Let’s take a look at some important numbers for Regions Financial…

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