RFREGIONS FINANCIAL CORP
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- $53M
- 44% YoY
- Market cap
- $24.3B
- Employees
- 19,969
- Net debt / EBITDA
- -431.7×
- −$22.9B net debt
- AI in 10-K
- 2.2
- mentions per 10K words
Takeover score 3 of 13
Fixable underperformance 1 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo101% of net incomeCash flow under 80% of net income
- Dilutive SBCYes66% of revenueOver 10% of revenue
- Payouts exceed cash flowNo91% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo4% of assetsOver 40% of assets
- Shareholder dissentNo94% lowest supportAny vote under 80% support
Buyer economics 2 of 4
- Low revenue per employeeYes$5K · 6th pctBottom quartile of its SIC industry
- Quiet on AINo2.2 per 10K words · 58th pctBottom quartile of AI mentions in 10-Ks
- Net cashYesNet cash · 431.7× EBITDAMore cash than debt, positive EBITDA
- Buyout-sizedNo$24.3B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$1M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $104M | — | — | — | — | |
| Operating income | $46M | $56M | $212M | $95M | $53M | 44% |
| Net income | $2.5B | $2.2B | $2.1B | $1.9B | $2.2B | 14% |
| Operating cash flow | $3.0B | $3.1B | $2.3B | $1.6B | $2.2B | 36% |
| Stock-based comp | — | — | $61M | $73M | $69M | 5.5% |
| Buybacks | $467M | $230M | $252M | $348M | $1.1B | 207% |
| Dividends | $608M | $663M | $787M | $890M | $912M | 2.5% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $1M · 3
- Net
- −$1M
Pay vs performance
No pay-versus-performance disclosure yet.