BBVA vs. RF: Banco Bilbao Vizcaya Argentaria vs. Regions Financial Stock Comparison

Company Profile

Banco Bilbao Vizcaya Argentaria (BBVA) and Regions Financial (RF) both belong to the Banks industry, though BBVA is classified under Diversified Banks while RF falls under Regional Banks.

Regions Financial (RF) trades as ordinary local shares, while Banco Bilbao Vizcaya Argentaria (BBVA) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Banco Bilbao Vizcaya Argentaria (BBVA) at 19.84% sits in the top ROE quartile, while Regions Financial (RF) at 12.38% is closer to the peer norm — stronger capital efficiency for BBVA.

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 32.62% and Regions Financial (RF) at 31.29% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Regions Financial (RF) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Regions Financial (RF) at 6.25% is around its peer norm for revenue growth, while Banco Bilbao Vizcaya Argentaria (BBVA) at 0.46% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 4.76% and Regions Financial (RF) at 19.17% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Regions Financial (RF) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Regions Financial (RF) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 3.80% and Regions Financial (RF) at 3.85% offer top-quartile dividend income relative to share price within their industries.

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 47.61% and Regions Financial (RF) at 43.27% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 10.99 and Regions Financial (RF) at 11.10 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Regions Financial (RF) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Regions Financial (RF) at 1.46 is valued about in line with its industry on P/B ratio, while Banco Bilbao Vizcaya Argentaria (BBVA) at 2.12 carries an above-peer premium to book — BBVA is pricier on assets.

Valuation Metrics