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Regions Financial Corporation

NYSE: RF

Stock price

28.49 USD

(+18.26%) 5 years

Regional BanksBanks - Regional

Financial Performance

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5Y price score: 26

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The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.

A score of 100 indicates that the stock did as well as the S&P 500 Index.

A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.

10Y return: 229%

DATE RANGE:

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  • Free cash flow per share

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23.5

52-week range

32.4

28.49

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Required return / cost of capital
%
FCFF terminal growth rate
%

Your fair value & Margin of safety

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Valuation

Free Cash Flow Yield

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FCF Yield TTM = Trailing Twelve Months free cash flow per share / current market price per shareLearn more

3.7 %

Dividend Yield TTM

3.8 %

Market cap $

$ 24,272

Price / Earnings TTM

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P/E TTM = current market price per share / Trailing Twelve Months diluted earnings per shareLearn more

11.2

Price / Book TTM

1.4

PEG TTM

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Price/Earnings-to-Growth ratio = P/E TTM divided by most recent annual diluted earnings per share growth rateLearn more

0.6

Earnings growth and return

LTM

5YR

10YR

Total return (price & dividends)

22.4 %

36 %

229 %

Free cash flow per share growth

(54.4) %

3.8 %

166 %

Earnings per share growth

16.4 %

122.3 %

205.3 %

Founded: 1,971

Employees: 19,644

Business Summary:Regions Financial Corporation (RF) operates as a financial holding company, delivering a comprehensive array of banking and related services to both individual consumers and corporate entities. The firm's operations are strategically divided into three principal divisions: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment specializes in commercial banking solutions. Its extensive offerings include various lending options such as commercial and industrial loans, commercial real estate financing, and investor real estate credit. Furthermore, it provides equipment lease financing, manages diverse deposit products, and offers sophisticated capital markets services like securities underwriting and placement, loan syndication, foreign exchange, derivatives, and merger and acquisition advisory, along with other consulting services. This segment primarily serves corporate clients, middle-market businesses, and developers and investors in commercial real estate. Focusing on individual customers, the Consumer Bank segment delivers a range of personal financial products. These include residential first mortgages, home equity lines of credit and loans, consumer credit cards, and other personal lending facilities, in addition to deposit accounts. The Wealth Management division offers extensive financial planning and asset management services. Its provisions encompass credit-related products, retirement and savings solutions, trust and investment management, and estate planning expertise. Its diverse clientele includes individuals, businesses, governmental organizations, and non-profit entities. Beyond these core banking functions, Regions Financial Corporation also provides investment and insurance products, facilitates the syndication of corporate funds for low-income housing tax credits, and engages in various other specialized financing activities. As of March 1, 2022, the company maintained a significant physical presence, operating through a network of 1,300 banking branches and approximately 2,000 automated teller machines across the Southern, Midwestern, and Texas regions of the United States. Regions Financial Corporation was established in 1971 and its corporate headquarters are located in Birmingham, Alabama.

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Fair Value Reference Estimate

Latest Earnings Call Takeaways

2026 Q3 (Oct 16, 2026)

1) Financial Performance Highlights
- Regions Financial reported Q3 2026 earnings of $611 million, or $0.71 per share; adjusted earnings were $622 million or $0.73 per share.
- Adjusted pretax pre-provision income was $870 million, with a return on tangible common equity of 22%.
- Net interest income increased by 2% linked-quarter, with a net interest margin of 3.68%, reflecting strong profitability and deposit funding advantages.
- Adjusted non-interest income rose by 3% linked-quarter, driven by record capital markets and treasury management revenue.

2) Loan and Deposit Trends
- Average and ending loans increased modestly, primarily driven by commercial lending, while consumer loans saw a slight decline due to a weak housing market.
- Average deposits decreased modestly, attributed to large commercial customers utilizing institutional investment services and seasonal outflows in public funds.
- The bank expects full-year average loan growth to be up low single digits versus 2025 and deposits to also increase by low single digits.

3) Credit Quality and Risk Management
- Credit quality remained strong, with annualized net charge-offs at 29 basis points of average loans, down 13 basis points from the previous quarter.
- Business services criticized and non-performing loans improved, with the criticized ratio declining to 4.71% and non-performing loans to 59 basis points.
- The allowance for credit losses ratio decreased to 1.61%, reflecting stable reserves amid macroeconomic uncertainties.

4) Strategic Investments and Technology Initiatives
- Regions is focused on long-term investments in talent, technology, and community relationships, including a significant cloud-based deposit platform implementation.
- The bank plans to pilot the new deposit platform soon, with customer conversions expected throughout 2027.
- Ongoing investments in cybersecurity and technology are expected to continue, with a commitment to positive operating leverage despite elevated tech spending.

5) Guidance and Market Outlook
- Regions anticipates a strong finish to 2026, with confidence in its position due to healthy customer relationships and a disciplined leadership team.
- The bank expects fourth-quarter net interest income to increase by 1-2%, supported by higher rates and structural repricing.
- There is a cautious outlook on loan demand due to rising rates, particularly in the multifamily sector, while overall business sentiment remains positive.

Bottom line: Regions Financial's consistent performance, strong credit quality, and strategic investments position it well for continued growth and shareholder value, despite potential headwinds from rising interest rates and market conditions.

Annual Reports, Presentations And IR Contacts

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Regions Financial Corporation — Financial Overview, Stock Price, Market Cap

Regions Financial Corporation is a company. Founded in 1971. As of October 23, 2026, the company's market capitalization is $24271485700 with a current stock price of $28.49.