RF vs. SMFG: Regions Financial vs. Sumitomo Mitsui Financial Stock Comparison

Company Profile

Regions Financial (RF) and Sumitomo Mitsui Financial (SMFG) both belong to the Banks industry, though RF is classified under Regional Banks while SMFG falls under Diversified Banks.

Regions Financial (RF) trades as ordinary local shares, while Sumitomo Mitsui Financial (SMFG) 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

Regions Financial (RF) at 12.38% is around its peer norm for ROE, while Sumitomo Mitsui Financial (SMFG) at 8.57% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both Regions Financial (RF) at 31.29% and Sumitomo Mitsui Financial (SMFG) at 27.82% 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 Regions Financial (RF) in Banks and Sumitomo Mitsui Financial (SMFG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Regions Financial (RF) at 6.25% and Sumitomo Mitsui Financial (SMFG) at 14.32% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Sumitomo Mitsui Financial (SMFG) at 36.62% sits in the top EPS growth quartile, while Regions Financial (RF) at 19.17% is closer to the peer norm — faster per-share earnings growth for SMFG.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Regions Financial (RF) in Banks and Sumitomo Mitsui Financial (SMFG) 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: Regions Financial (RF) in Banks and Sumitomo Mitsui Financial (SMFG) 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

Regions Financial (RF) at 3.85% earns its spot in the top quartile of its industry’s yields; Sumitomo Mitsui Financial (SMFG) at 334.33% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

Sumitomo Mitsui Financial (SMFG) at 33.62% pays out a band-typical share of earnings, while Regions Financial (RF) at 43.27% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Regions Financial (RF) at 11.10 and Sumitomo Mitsui Financial (SMFG) at 13.47 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 Regions Financial (RF) in Banks and Sumitomo Mitsui Financial (SMFG) 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.

On P/B ratio, both Regions Financial (RF) at 1.46 and Sumitomo Mitsui Financial (SMFG) at 1.45 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics