RF vs. USB: Regions Financial vs. U.S. Bancorp Stock Comparison
How do Regions Financial (RF) and U.S. Bancorp (USB) 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
Regions Financial (RF) and U.S. Bancorp (USB) both belong to the Banks industry, though RF is classified under Regional Banks while USB falls under Diversified Banks.
| Profile Item | RF | USB |
|---|---|---|
| Name | Regions Financial Corp. | U.S. Bancorp |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Diversified Banks |
| Market Capitalization | 24.06 billion USD | 92.64 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | May 3, 1973 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | RF | USB |
|---|---|---|
| Total Return (1Y) | 22.28% | 34.87% |
| Total Return (3Y, Annualized) | 30.40% | 27.22% |
| Total Return (5Y, Annualized) | 8.09% | 4.97% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | RF | USB |
|---|---|---|
| Volatility (1Y, Annualized) | 23.37% | 22.72% |
| Beta (5Y) | 1.00 | 0.99 |
| Max Drawdown (5Y) | -40.99% | -52.13% |
| Avg. Volume (3M) | 9.26M | 7.25M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | RF | USB |
|---|---|---|
| Sharpe Ratio (1Y) | 0.77 | 1.35 |
| Sortino Ratio (1Y) | 1.11 | 1.98 |
Profitability
ROE (TTM)
Both Regions Financial (RF) at 12.38% and U.S. Bancorp (USB) at 12.84% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
RF
Banks industry group
12.38%
- Max
- 19.84%
- Q3
- 13.67%
- RF
- 12.38%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
USB
Banks industry group
12.84%
- Max
- 19.84%
- Q3
- 13.67%
- USB
- 12.84%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Both Regions Financial (RF) at 31.29% and U.S. Bancorp (USB) at 30.01% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
RF
Banks industry group
31.29%
- Max
- 47.19%
- Q3
- 35.25%
- RF
- 31.29%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
USB
Banks industry group
30.01%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- USB
- 30.01%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Regions Financial (RF) in Banks and U.S. Bancorp (USB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | RF | USB |
|---|---|---|
| ROE (TTM) | 12.38% | 12.84% |
| ROA (TTM) | 1.42% | 1.20% |
| Net Margin (TTM) | 31.29% | 30.01% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Regions Financial (RF) at 6.25% is around its peer norm for revenue growth, while U.S. Bancorp (USB) at 4.41% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Regions Financial (RF) at 19.17% and U.S. Bancorp (USB) at 21.90% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | RF | USB |
|---|---|---|
| Revenue Growth (YoY) | 6.25% | 4.41% |
| Revenue Growth (3Y CAGR) | 1.65% | 5.68% |
| EPS Growth (YoY) | 19.17% | 21.90% |
| EPS Growth (3Y CAGR) | 0.29% | 7.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Regions Financial (RF) in Banks and U.S. Bancorp (USB) 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: Regions Financial (RF) in Banks and U.S. Bancorp (USB) 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 | RF | USB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Regions Financial (RF) at 3.85% and U.S. Bancorp (USB) at 3.51% offer top-quartile dividend income relative to share price within their industries.
RF
Banks industry group
3.85%
- Max
- 5.79%
- RF
- 3.85%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
USB
Banks industry group
3.51%
- Max
- 5.79%
- USB
- 3.51%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
U.S. Bancorp (USB) at 40.86% 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.
RF
Banks industry group
43.27%
- Max
- 70.75%
- RF
- 43.27%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
USB
Banks industry group
40.86%
- Max
- 70.75%
- Q3
- 41.28%
- USB
- 40.86%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | RF | USB |
|---|---|---|
| Dividend Yield (TTM) | 3.85% | 3.51% |
| Dividend Payout Ratio (TTM) | 43.27% | 40.86% |
Valuation
P/E Ratio (TTM)
Both Regions Financial (RF) at 11.10 and U.S. Bancorp (USB) at 11.57 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
RF
Banks industry group
11.10
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- RF
- 11.10
- Q1
- 10.64
- Min
- 6.49
USB
Banks industry group
11.57
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- USB
- 11.57
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Regions Financial (RF) in Banks and U.S. Bancorp (USB) 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 Regions Financial (RF) at 1.46 and U.S. Bancorp (USB) at 1.55 are valued close to their industries’ norm against book — neither stands out from peers.
RF
Banks industry group
1.46
- Max
- 2.28
- Q3
- 1.58
- RF
- 1.46
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
USB
Banks industry group
1.55
- Max
- 2.28
- Q3
- 1.58
- USB
- 1.55
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | RF | USB |
|---|---|---|
| P/E Ratio (TTM) | 11.10 | 11.57 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.46 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |