DDM Analysis: RF-PF

Valuation Snapshot

Stable Growth	$50.21 - $119.32	$74.13
Multi-Stage	$39.13 - $42.73	$40.90
Blended Fair Value	$57.51
Current Price	$25.76
Upside	123.26%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	9.05%	13.68%	0.98	0.87	0.73	0.67	0.65	0.63	0.50	0.38	0.35	0.33
YoY Growth	-	-	13.09%	18.70%	9.05%	2.18%	3.12%	27.65%	30.64%	9.15%	4.28%	23.08%
Dividend Yield	-	-	3.90%	3.46%	2.91%	2.67%	2.61%	2.53%	1.99%	1.52%	1.39%	1.34%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	2,156.00
(-) Cash Dividends Paid (M)	905.00
(=) Cash Retained (M)	1,251.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	431.20	269.50	161.70
Cash Retained (M)	1,251.00	1,251.00	1,251.00
(-) Cash Required (M)	-431.20	-269.50	-161.70
(=) Excess Retained (M)	819.80	981.50	1,089.30
(/) Shares Outstanding (M)	909.00	909.00	909.00
(=) Excess Retained per Share	0.90	1.08	1.20
LTM Dividend per Share	1.00	1.00	1.00
(+) Excess Retained per Share	0.90	1.08	1.20
(=) Adjusted Dividend	1.90	2.08	2.19
WACC / Discount Rate	8.92%	8.92%	8.92%
Growth Rate	4.96%	5.96%	6.96%
Fair Value	$50.21	$74.13	$119.32
Upside / Downside	94.91%	187.75%	363.21%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	2,156.00	2,284.45	2,420.56	2,564.77	2,717.57	2,879.48	2,965.87
Payout Ratio	41.98%	51.58%	61.19%	70.79%	80.40%	90.00%	92.50%
Projected Dividends (M)	905.00	1,178.34	1,481.03	1,815.61	2,184.80	2,591.53	2,743.43

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.92%	8.92%	8.92%
Growth Rate	4.96%	5.96%	6.96%
Year 1 PV (M)	1,071.58	1,081.79	1,092.00
Year 2 PV (M)	1,224.83	1,248.28	1,271.96
Year 3 PV (M)	1,365.50	1,404.90	1,445.06
Year 4 PV (M)	1,494.30	1,552.06	1,611.49
Year 5 PV (M)	1,611.90	1,690.17	1,771.44
PV of Terminal Value (M)	28,802.33	30,200.81	31,653.10
Equity Value (M)	35,570.44	37,178.02	38,845.05
Shares Outstanding (M)	909.00	909.00	909.00
Fair Value	$39.13	$40.90	$42.73
Upside / Downside	51.91%	58.77%	65.89%

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Regions Financial Corporation (RF-PF)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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