NWG vs. RF: NatWest vs. Regions Financial Stock Comparison
How do NatWest (NWG) and Regions Financial (RF) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
NatWest (NWG) and Regions Financial (RF) both belong to the Banks industry, though NWG is classified under Diversified Banks while RF falls under Regional Banks.
Regions Financial (RF) trades as ordinary local shares, while NatWest (NWG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | NWG | RF |
|---|---|---|
| Name | NatWest Group plc Sponsored ADR | Regions Financial Corp. |
| Country/Region | United Kingdom | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 61.54 billion USD | 24.06 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 18, 2007 | March 17, 1980 |
| Security Type | ADR | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | NWG | RF |
|---|---|---|
| Total Return (1Y) | 7.03% | 22.28% |
| Total Return (3Y, Annualized) | 59.12% | 30.40% |
| Total Return (5Y, Annualized) | 30.15% | 8.09% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | NWG | RF |
|---|---|---|
| Volatility (1Y, Annualized) | 33.39% | 23.37% |
| Beta (5Y) | 0.96 | 1.00 |
| Max Drawdown (5Y) | -40.66% | -40.99% |
| Avg. Volume (3M) | 3.73M | 9.26M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | NWG | RF |
|---|---|---|
| Sharpe Ratio (1Y) | 0.08 | 0.77 |
| Sortino Ratio (1Y) | 0.12 | 1.11 |
Profitability
ROE (TTM)
NatWest (NWG) at 14.58% sits in the top ROE quartile, while Regions Financial (RF) at 12.38% is closer to the peer norm — stronger capital efficiency for NWG.
NWG
Banks industry group
14.58%
- Max
- 19.84%
- NWG
- 14.58%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
RF
Banks industry group
12.38%
- Max
- 19.84%
- Q3
- 13.67%
- RF
- 12.38%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
NatWest (NWG) at 36.93% retains a top-quartile share of revenue as profit, ahead of Regions Financial (RF) at 31.29%, which keeps about the industry-typical share.
NWG
Banks industry group
36.93%
- Max
- 47.19%
- NWG
- 36.93%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
RF
Banks industry group
31.29%
- Max
- 47.19%
- Q3
- 35.25%
- RF
- 31.29%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for NatWest (NWG) 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
| Metric | NWG | RF |
|---|---|---|
| ROE (TTM) | 14.58% | 12.38% |
| ROA (TTM) | 0.85% | 1.42% |
| Net Margin (TTM) | 36.93% | 31.29% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both NatWest (NWG) at 13.35% and Regions Financial (RF) at 6.25% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both NatWest (NWG) at 26.93% 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
| Metric | NWG | RF |
|---|---|---|
| Revenue Growth (YoY) | 13.35% | 6.25% |
| Revenue Growth (3Y CAGR) | 7.55% | 1.65% |
| EPS Growth (YoY) | 26.93% | 19.17% |
| EPS Growth (3Y CAGR) | 26.12% | 0.29% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: NatWest (NWG) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: NatWest (NWG) 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
| Metric | NWG | RF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Regions Financial (RF) at 3.85% delivers top-quartile income for its industry, while NatWest (NWG) at 2.19% pays a more typical yield — both are credible income propositions, RF the richer one.
NWG
Banks industry group
2.19%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- NWG
- 2.19%
- Q1
- 1.20%
- Min
- 0.00%
RF
Banks industry group
3.85%
- Max
- 5.79%
- RF
- 3.85%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both NatWest (NWG) at 47.43% and Regions Financial (RF) at 43.27% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
NWG
Banks industry group
47.43%
- Max
- 70.75%
- NWG
- 47.43%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
RF
Banks industry group
43.27%
- Max
- 70.75%
- RF
- 43.27%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | NWG | RF |
|---|---|---|
| Dividend Yield (TTM) | 2.19% | 3.85% |
| Dividend Payout Ratio (TTM) | 47.43% | 43.27% |
Valuation
P/E Ratio (TTM)
NatWest (NWG) at 7.84 sits in the cheaper P/E ratio quartile, while Regions Financial (RF) at 11.10 is closer to its industry’s usual earnings multiple — a discount for NWG, though growth and earnings durability still matter.
NWG
Banks industry group
7.84
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- NWG
- 7.84
- Min
- 6.49
RF
Banks industry group
11.10
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- RF
- 11.10
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both NatWest (NWG) 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.
P/B Ratio (MRQ)
On P/B ratio, both NatWest (NWG) at 1.20 and Regions Financial (RF) at 1.46 are valued close to their industries’ norm against book — neither stands out from peers.
NWG
Banks industry group
1.20
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- NWG
- 1.20
- Q1
- 1.10
- Min
- 0.59
RF
Banks industry group
1.46
- Max
- 2.28
- Q3
- 1.58
- RF
- 1.46
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | NWG | RF |
|---|---|---|
| P/E Ratio (TTM) | 7.84 | 11.10 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.20 | 1.46 |
| Free Cash Flow Yield (TTM) | -- | -- |