Regions Financial Corporation
- Open
- 31.13
- Day high
- 31.15
- Day low
- 30.73
- Prev close
- 31.11
- Volume
- 1.2M
- Mkt cap
- $26.4B
- P/E (TTM)
- 12.5
- EPS (TTM)
- $2.48
- P/B
- 1.4
- P/S
- 2.8
- Yield
- 3.43%
- Per share
- $1.06
- ▼Insiders net selling -$196K over the last 3 months (0 open-market buys, 1 sale)
- 🏛Institutions mixed (13F)
Regions Financial Corporation (RF) is a Financial Services company listed on NYSE. The stock is up 20% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 1 sale (SEC Form 4).
Regions Financial Corporation (RF) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 11 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
RF earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 17, 2026 | $0.63 | $0.68 | +7.6% | $1.9B | +0.3% |
| Apr 17, 2026 | $0.61 | $0.62 | +1.6% | $1.9B | -2.2% |
| Feb 24, 2026 | — | $0.61 | — | $2.4B | — |
| Oct 17, 2025 | $0.60 | $0.63 | +5.5% | $1.9B | -0.4% |
| Jul 18, 2025 | $0.56 | $0.60 | +7.3% | $1.9B | +2.5% |
| Apr 17, 2025 | $0.51 | $0.54 | +6.3% | $1.8B | -2.5% |
| Jan 17, 2025 | $0.55 | $0.59 | +7.3% | $1.8B | -2.1% |
| Oct 18, 2024 | $0.53 | $0.49 | -7.5% | $1.8B | -0.5% |
| Jul 19, 2024 | $0.48 | $0.52 | +8.3% | $1.7B | -1.7% |
| Apr 19, 2024 | $0.45 | $0.37 | -17.8% | $1.7B | -0.2% |
| Jan 19, 2024 | $0.46 | $0.49 | +6.5% | $1.8B | +0.5% |
| Oct 20, 2023 | $0.58 | $0.49 | -15.5% | $1.9B | -1.7% |
RF insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jul 17, 2026 | MARSHALL RUTH ANNdirector | Grant | 1,707 | — |
| Jul 17, 2026 | STYSLINGER LEE J IIIdirector | Grant | 993 | — |
| Jul 17, 2026 | Hill J Thomasdirector | Grant | 1,112 | — |
| Jul 17, 2026 | VINES TIMOTHYdirector | Grant | 993 | — |
| Jul 17, 2026 | Crosswhite Mark A.director | Grant | 993 | — |
| Jul 2, 2026 | Santone Angela R.officer: SEVP | Tax | 10,286 | $30.80 |
| Jul 2, 2026 | Santone Angela R.officer: SEVP | Option | 28,411 | — |
| May 13, 2026 | STYSLINGER LEE J IIIdirector | Grant | 5,404 | — |
| May 13, 2026 | VINES TIMOTHYdirector | Grant | 5,404 | — |
| May 13, 2026 | Rand Alison S.director | Grant | 5,404 | — |
| May 13, 2026 | Golodryga Zhannadirector | Grant | 5,404 | — |
| May 13, 2026 | SUQUET JOSE Sdirector | Grant | 5,404 | — |
| May 13, 2026 | JOHNSON JOIA Mdirector | Grant | 5,404 | — |
| May 13, 2026 | Crosswhite Mark A.director | Grant | 5,404 | — |
| May 13, 2026 | Davis Noopurdirector | Grant | 5,404 | — |
Source: RF SEC Form 4 filings, latest Jul 17, 2026. For informational purposes only — not investment advice.
See the full RF insider & 13F page →Regions Financial Corporation company profile
Overview
Regions Financial Corporation (NYSE:RF) is a major regional bank holding company founded in 1971 and headquartered in Birmingham, Alabama. The company has grown through strategic acquisitions and organic expansion to become one of the largest regional banks in the United States, serving customers across the South, Midwest, and Texas through approximately 1,300 banking offices and 2,000 ATMs. Regions went public in 1980 and has established itself as a prominent player in the regional banking sector, focusing on relationship-based banking services for individuals, businesses, and institutional clients.
Business
Regions Financial operates as a comprehensive regional bank providing traditional banking and financial services through three main business segments. The Corporate Bank segment represents the largest revenue contributor, offering commercial banking services including commercial and industrial loans, commercial real estate financing, investor real estate lending, equipment lease financing, and sophisticated treasury management solutions. This segment also provides investment banking services such as securities underwriting, loan syndication, foreign exchange, derivatives, and merger and acquisition advisory services to corporate clients, middle market businesses, and commercial real estate developers. The Consumer Bank segment focuses on retail banking services, providing residential mortgages, home equity loans and lines of credit, consumer credit cards, personal loans, and deposit products to individual customers. This segment operates the extensive branch network and digital banking platforms that serve retail customers across the company's geographic footprint. The Wealth Management segment offers comprehensive financial planning and investment services, including trust and investment management, asset management, estate planning, retirement solutions, and insurance products. This segment serves high-net-worth individuals, businesses, governmental institutions, and non-profit organizations. While the smallest of the three segments, Wealth Management has been growing consistently and generates higher fee-based revenue margins. Regional banking differs from national money center banks by focusing on relationship-based banking within specific geographic markets, typically offering more personalized service and local decision-making while maintaining lower operational complexity than global banks.
Revenue model
Regions Financial generates revenue through two primary streams: net interest income and non-interest income. Net interest income, which represents approximately 65-70% of total revenue, comes from the spread between interest earned on loans and investments and interest paid on deposits and borrowings. The bank makes money by borrowing funds at lower rates (primarily through customer deposits) and lending them at higher rates to businesses and consumers. This net interest margin is the core profitability driver for the banking business. Non-interest income, representing 30-35% of total revenue, includes fee-based services such as treasury management fees, wealth management fees, capital markets revenue, service charges on deposit accounts, mortgage banking income, and other banking fees. This revenue stream is particularly valuable as it's less sensitive to interest rate fluctuations and provides more stable earnings. The bank's profitability is significantly influenced by several key factors. Interest rate environment directly impacts net interest margins - rising rates generally benefit the bank's asset-sensitive balance sheet, while falling rates can compress margins. Credit quality affects profitability through loan loss provisions and charge-offs, with economic downturns typically leading to higher credit costs. Loan demand from businesses and consumers drives asset growth and fee income generation. Deposit competition influences funding costs, as increased competition for deposits can raise the bank's cost of funds. Regulatory changes can impact both operational costs and capital requirements, while economic conditions in the bank's geographic footprint affect both loan demand and credit quality, making regional economic health a critical factor in the bank's performance.
Competitive moat
Regions Financial possesses a moderate competitive moat primarily built around its strong regional market presence and relationship-based banking model. The bank's extensive branch network across high-growth markets in the South and Texas provides geographic advantages, as these markets are experiencing population growth rates approximately three times the national average. This physical presence, combined with local market knowledge and decision-making capabilities, creates switching costs for customers who value personal relationships and local service. The bank's deposit franchise represents its strongest moat component, with a diverse and granular deposit base that provides relatively stable, low-cost funding. Customer relationships built over decades create natural switching costs, particularly for small and medium-sized businesses that rely on treasury management services, credit facilities, and local banking relationships. The wealth management and treasury management capabilities add additional relationship depth and fee income streams that strengthen customer retention. However, this moat faces significant challenges. Digital disruption from fintech companies and online banks threatens traditional branch-based banking models, particularly for standardized services like deposits and simple loans. Regulatory constraints limit the bank's ability to expand geographically or compete aggressively on pricing. Interest rate sensitivity makes the business model vulnerable to prolonged low-rate environments or rapid rate changes. Large national banks with superior technology resources and scale advantages pose ongoing competitive threats, while credit risk inherent in the lending business creates periodic earnings volatility that pure fee-based businesses avoid. The moat is defendable but not insurmountable, requiring continuous investment in technology and customer relationships to maintain competitive positioning.
Risks & safety
Regions Financial demonstrates a solid margin of safety with strong capital ratios and manageable risk levels, though typical banking sector vulnerabilities remain. • Capital Position: Common Equity Tier 1 ratio of 10.8% (9.1% including AOCI) provides substantial buffer above regulatory minimums, indicating strong solvency • Liquidity: $14.3 billion in cash and short-term investments provides adequate liquidity cushion; no immediate solvency concerns • Debt Levels: Debt-to-equity ratio of 32.5% is reasonable for a bank, though total liabilities of $141 billion reflect typical banking leverage • Profitability: Return on equity of 10.6% (2024) and consistent profitability indicate stable earnings generation • Valuation Metrics: Trading at 10.0x P/E ratio and 1.06x book value, suggesting reasonable valuation relative to intrinsic value • Credit Quality: Net charge-offs expected in 40-50 basis point range, with allowance coverage at 1.81% - manageable but requires monitoring • Operational Cash Flow: Positive free cash flow of $1.45 billion (2024) demonstrates strong cash generation capability • Regulatory Risk: Subject to banking regulations and stress tests, but maintains top-quartile capital ratios under stress scenarios
Recent development
Over the past few years, Regions Financial has pursued a focused strategy of organic growth and strategic capability building rather than large-scale acquisitions. The bank completed two notable acquisitions - EnerBank (home improvement lending) and Ascentium Capital (equipment financing) - which have been successfully integrated and are providing complementary lending capabilities and geographic diversification. The company has made significant technology investments, including a comprehensive overhaul of its core banking systems. A new loan system conversion is planned for late 2025, with a deposit system pilot beginning in 2026 and full implementation in 2027. These investments are expected to accelerate product development, improve operational efficiency, and enhance digital banking capabilities. Talent expansion has been a key focus, with plans to add approximately 140 bankers across business segments, particularly in high-growth markets like Atlanta, Nashville, Houston, Dallas, Orlando, and Tampa. The bank has also been investing heavily in treasury management, wealth management, and capital markets capabilities, with these fee-based businesses achieving record revenue levels. The bank has maintained a disciplined approach to capital allocation, continuing share repurchases during periods of limited loan demand while maintaining dividend payments and strong capital ratios. Management has emphasized generating positive operating leverage and maintaining top-quartile returns on tangible common equity, focusing on profitable growth rather than growth at any cost. The strategic emphasis has been on deepening customer relationships and expanding fee-based revenue streams to reduce dependence on net interest income.
RF company profile · for informational purposes only — not investment advice.
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