A Business at a Glance
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REGIONS FINANCIAL CORP
RF
$27.7B
Mkt Cap
$30.86
+0.65%
REGIONS FINANCIAL CORP (RF) has a current P/E ratio of 13.4, compared to its historical median P/E of 10.4. The stock is currently considered Expensive based on its historical valuation range.
REGIONS FINANCIAL CORP (RF) has a 5-year average return on invested capital (ROIC) of 9.9%. This is below average and may indicate limited pricing power.
REGIONS FINANCIAL CORP (RF) has a market capitalization of $27.6B. It is classified as a large-cap stock.
Yes, REGIONS FINANCIAL CORP (RF) pays a dividend with a trailing twelve-month yield of 3.32%. The company also returns capital through share buybacks, with a buyback yield of 4.44%.
Based on historical P/E analysis, REGIONS FINANCIAL CORP (RF) appears expensive. The current P/E of 13.4 is 29% above its historical median of 10.4. The estimated fair value CAGR (P/E method) is 8.6%.
REGIONS FINANCIAL CORP (RF) operates in the National Commercial Banks industry, within the Financials sector.
REGIONS FINANCIAL CORP (RF) reported annual revenue of $9.6 billion in its most recent fiscal year, based on SEC EDGAR filings.
Regions Financial Corporation is a diversified regional financial holding company headquartered in Birmingham, Alabama, operating approximately 1,247 branch outlets and 1,786 ATMs primarily across the South, Midwest, and Texas, with specialty offices in New York, Washington D.C., Chicago, Salt Lake City, and other locations nationwide. The company operates through three reportable segments—Corporate Bank, Consumer Bank, and Wealth Management—delivering retail and mortgage banking services, commercial banking services, wealth and investment services, and other specialty financial services including merger and acquisition advisory, capital markets solutions, home improvement lending, investment advisory, equipment financing, low-income housing tax credit syndication, and broker-dealer services. Regions' business model is built on a diversified deposit base with non-interest-bearing deposits maintained in the low 30% range, reflecting strong operational customer relationships, combined with a loan portfolio spanning consumer, commercial, and specialized lending. The company generates revenue through net interest income from its balance sheet, fee-based income from wealth management and capital markets activities, and service charges, with a focus on managing deposit costs and optimizing asset yields through fixed-rate turnover and disciplined pricing. Regions' competitive positioning is anchored in its long-standing presence in core markets—operating for over 170 years in many regions—combined with strategic hiring initiatives targeting approximately 120 bankers over a two-year period to drive growth in priority markets, and significant technology investments including a planned migration to a modern cloud-based core platform expected to be completed in 2027.
【Technology modernization and strategic hiring】 Regions is executing a multi-year technology transformation, launching pilots on a new cloud-based deposit system in late 2026 with full conversion anticipated in 2027, positioning the company as one of the first regional banks on a truly modern core platform. The company is actively recruiting quality bankers across priority markets as part of a targeted expansion strategy, with approximately 50 bankers hired in 2025 and additional hires expected in the latter part of 2026 and into 2027, which management expects will serve as a tailwind for growth. Management remains focused on near-term drivers of growth through targeted investments in products and services across all three business lines, with strong loan pipelines and commitments supporting continued lending activity. The company expects to deliver full-year adjusted positive operating leverage in 2026 while managing capital around the midpoint of its established operating range, providing flexibility to support strategic growth objectives and continue increasing dividends and share repurchases commensurate with earnings.
| Metric | Target | Period |
|---|---|---|
| Average loans | low single digits growth | FY2026 |
| Average deposits | low single digits growth | FY2026 |
| Net interest income | 2.5% to 4% growth | FY2026 |
| Net interest margin | low 3.70s | FY2026 exit |
| Capital Markets quarterly revenue | $90 million to $105 million | FY2026 quarterly |
| Adjusted non-interest income | 3% to 5% growth | FY2026 |
| Adjusted non-interest expense | 1.5% to 3.5% growth | FY2026 |
| Net charge-offs | 40 to 50 basis points | FY2026 |
| Effective tax rate | 20.5% to 21.5% | FY2026 |
Average loans (FY2026): “With respect to our full-year growth expectations, we continue to expect full-year average loans to be at low single digits versus 2025.”
Average deposits (FY2026): “we continue to expect 2026 average deposits to be up low single digits versus the prior year.”
Generated solely from the company's own reports listed below — not from third-party data. Hallucination risk is low. · Sources: 10-K, Q4 FY2025 Earnings Call, Q3 FY2025 Earnings Call, Q2 FY2025 Earnings Call, Q1 FY2025 Earnings Call
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 7.6B | 9.6B | 9.4B | 9.2B | 7.5B | 6.6B |
| Net Income | 2.1B | 2.1B | 1.8B | 2.0B | 2.1B | 2.4B |
| EPS | $2.33 | $2.30 | $1.93 | $2.11 | $2.28 | $2.49 |
| Free Cash Flow | 0 | 2.2B | 1.6B | 2.3B | 3.1B | 3.0B |
| ROIC | 0.0% | 8.8% | 8.1% | 10.4% | 11.0% | 11.3% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.34 | 0.26 | 0.36 | 0.13 | 0.14 | 0.13 |
| Dividends/Share | $1.02 | $1.03 | $0.98 | $0.88 | $0.74 | $0.65 |
| Operating Income | 0 | 2.7B | 95M | 212M | 2.9B | 3.2B |
| Operating Margin | 0.0% | 28.5% | 1.0% | 2.3% | 38.2% | 48.7% |
| ROE | 11.4% | 11.2% | 10.0% | 11.8% | 12.5% | 13.2% |
| Shares Outstanding | 894M | 896M | 919M | 936M | 941M | 964M |
REGIONS FINANCIAL CORP passes 5 of 9 quality checks, suggesting mixed fundamentals.
REGIONS FINANCIAL CORP trades at 13.4x trailing earnings, compared to its 15-year median P/E of 10.4x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 12.7x vs a median of 6.1x. The company's 5-year average ROIC is 9.9%. Total shareholder yield (dividends + buybacks) is 7.8%. At current prices, the estimated annualized return to fair value is -1.1%.
REGIONS FINANCIAL CORP (RF) has a net profit margin of 21.5%. This is a strong margin indicating high profitability.
REGIONS FINANCIAL CORP (RF) generated $2.2 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
REGIONS FINANCIAL CORP (RF) has a debt-to-equity ratio of 0.26. This indicates a conservatively financed balance sheet.
REGIONS FINANCIAL CORP (RF) reported earnings per share (EPS) of $2.30 in its most recent fiscal year.
REGIONS FINANCIAL CORP (RF) has a return on equity (ROE) of 11.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 19 years of financial data for REGIONS FINANCIAL CORP (RF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
REGIONS FINANCIAL CORP (RF) has a book value per share of $21.25, based on its most recent annual SEC filing.
Based on recent SEC filings and earnings disclosures, Regions is executing a multi-year technology transformation, launching pilots on a new cloud-based deposit system in late 2026 with full conversion anticipated in 2027, positioning the company as one of the first regional banks on a truly modern core platform. The company is actively recruiting quality bankers across priority markets as part of a targeted expansion strategy, with approximately 50 bankers hired in 2025 and additional hires expected in the latter part of 2026 and into 2027, which management expects will serve as a tailwind for growth. Management remains focused on near-term drivers of growth through targeted investments in products and services across all three business lines, with strong loan pipelines and commitments supporting continued lending activity. The company expects to deliver full-year adjusted positive operating leverage in 2026 while managing capital around the midpoint of its established operating range, providing flexibility to support strategic growth objectives and continue increasing dividends and share repurchases commensurate with earnings.
Based on recent SEC filings and earnings calls, REGIONS FINANCIAL CORP (RF) has provided the following forward guidance: Average loans: low single digits growth (FY2026); Average deposits: low single digits growth (FY2026); Net interest income: 2.5% to 4% growth (FY2026); Net interest margin: low 3.70s (FY2026 exit); Capital Markets quarterly revenue: $90 million to $105 million (FY2026 quarterly), plus 4 additional metrics.
Net interest income (FY2026): “For full year 2026, we reiterate our net interest income expectation of between 2.5% and 4% growth”
Net interest margin (FY2026 exit): “for the net interest margin to exit the year in the low 3.70s.”
Capital Markets quarterly revenue (FY2026 quarterly): “we continue to expect capital markets' quarterly revenue to increase within our $90 million-$105 million range”
Adjusted non-interest income (FY2026): “For full year 2026, we continue to expect adjusted non-interest income to grow between 3%-5% versus 2025.”
Adjusted non-interest expense (FY2026): “For full year 2026, we expect adjusted non-interest expense to be up between 1.5% and 3.5%”
Net charge-offs (FY2026): “We expect full-year 2026 net charge-offs to be between 40 and 50 basis points.”