First Horizon vs Regions Financial
FHN and RF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FHN and RF compare
Regions Financial is the larger company, worth 2.2 times as much as First Horizon ($24.6B against $11.1B).
On earnings, Regions Financial is cheaper: it trades at 11.3× trailing earnings, against 16.9× for First Horizon.
Regions Financial grew revenue faster over the last twelve months (3.4% versus −6.6% for First Horizon).
Regions Financial keeps more of each dollar of sales as profit, with a net margin of 29.9% compared with 23.4% at First Horizon.
Both pay dividends: First Horizon yields 2.8% and Regions Financial 3.8%.
Regions Financial scores higher on the StockData Score (13 against 11 for First Horizon), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FHN | RF |
|---|---|---|
| Size and price | ||
| Market cap | $11.1B | $24.6B |
| Share price | $23.53 | $28.86 |
| Change, 1 year | 7.9% | 13.7% |
| Change, 5 years | 40.2% | 21.8% |
| Beta (5Y) | 0.76 | 1.04 |
| Employees | 7,404 | 20K |
| StockData Score | ||
| Total score | 11 | 13 (better) |
| Valuation score | 1 | 2 (better) |
| Growth score | 0 | 0 |
| Performance score | 1 | 3 (better) |
| Health score | 5 | 5 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 16.9× | 11.3× (better) |
| P/S | 3.7× | 3.2× (better) |
| P/B | 1.3× (better) | 1.4× |
| P/FCF | 6.1× | – |
| PEG | 2.45 (better) | 38.67 |
| FCF yield | 16.3% | – |
| Fair value | $20.50 | $27.48 |
| Margin of safety | −14.8% | −5.0% (better) |
| Growth | ||
| Revenue growth (TTM) | −6.6% | 3.4% (better) |
| Revenue growth, 5Y average | 1.6% | 146% (better) |
| Net income growth (TTM) | −19.8% | 6.4% (better) |
| EPS growth (TTM) | −15.8% | 12.8% (better) |
| EPS growth, 5Y average | −0.21% | 17.4% (better) |
| Profitability | ||
| Net margin | 23.4% | 29.9% (better) |
| FCF margin | 59.8% | – |
| Return on equity | 8.0% | 12.4% (better) |
| Financial health | ||
| Debt / equity | 0.32 | 0.25 (better) |
| Altman Z-score | 0.21 | 0.24 (better) |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.8% | 3.8% (better) |
| Payout ratio | 44.6% | 40.1% |
| Years of dividend growth | 0 | 13 (better) |
| Dividend growth, 5Y average | 0.00% | 10.7% (better) |
| Buyback yield | 6.2% (better) | 4.0% |
| Shareholder yield | 9.0% (better) | 7.8% |
| Ownership | ||
| Held by institutions | 86.9% | 85.4% |
| Held by insiders | 1.2% | 0.34% |
| Insider net buying, 12 months | −$5.0M | −$1.2M (better) |
| Short interest, % of float | 3.0% | 7.6% |
Go deeper
- FHN stock overview
- FHN income statement
- FHN valuation and score
- RF stock overview
- RF income statement
- RF valuation and score
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For information only, not investment advice. Check the source filings before relying on any figure.