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RFRegions Financial Corporation
$28.31$24.2B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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RF logo

Regions Financial Corporation

RF
NYSE · Large & Global Banks
$28.31
At close - Nov 6, 4:00 PM EST - USD
Market Cap$24.16B
P/E10.6x
52W High$32.47
Volume8.33M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Recovering Earnings Rest on Shrinking Credit Provisions

Regions Financial's earnings recovery appears real but narrow: net income rose to $631M in 2026Q3 with EPS of $0.71, and NII growth turned positive at 3.3%, yet the net interest margin has stayed near 0.8%, suggesting limited spread expansion.

GrowthMixed
ProfitabilityStable
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

RF price & volume

Price trend, volume and key moving averages

Launch Terminal
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Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

-10% Peers

P/E is 10% below peer median

03

Market leadership

RS 56 · Avg

Average momentum (RS Rating: 56)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Jan 16
01

Build the investment case

Start with the evidence for owning the stock and the risks that can break the thesis.

EXECUTIVE THESIS

The Investment Case

Full Analysis
Fundamental Trajectory

Revenue and margin performance show a recovering trend, with net income climbing from $368M in 2024Q1 to $631M in 2026Q3 and the efficiency ratio improving from 64.7% to 56.7%, though still above the strongest regional peers.

Analyst Consensus+11.4% target
Hold(52 analysts)
21 Buy27 Hold4 Sell

The Bull Case

Upside Catalysts

Value Opportunity

RF is considered a strong value and income opportunity, especially amidst broader negative sentiment in the banking sector. Its Price-to-Earnings (P/E) ratio is seen as inexpensive compared to peers.

Dividend Growth and Share Buybacks

The company offers a significant dividend yield (around 3.70% to 4.31%) and has a history of dividend growth, with 12 consecutive years of increases. RF has also been aggressively buying back shares, which can fuel per-share metric growth and potentially lead to a higher P/E ratio.

Strong Regional Presence

RF benefits from a robust presence in the Southeastern U.S. economy, a region with favorable demographic trends that are encouraging growth.

The Bear Case

Key Downside Risks

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
RF+5.73%
S&P 500 (^GSPC)+7.63%
1-Year Return
RF+20.96%
S&P 500 (^GSPC)+9.69%
3-Year Return
RF+102.78%
S&P 500 (^GSPC)+68.19%
5-Year Return
RF+34.45%
S&P 500 (^GSPC)+56.34%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
10.6x
Forward P/EExpansion
10.5x
EV/EBITDA50th %ile
6.1x
FCF YieldCash Flow
3.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
10.6x
9.5x
60th· Fair
EV/EBITDA
6.1x
6.3x
50th· Fair
Price/FCF
26.4x
8.5x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$22.78-19.5%
Base (Fair)$40.51+43.1%
Bull$63.30+123.6%
$22.78 Bear$40.51 Base$63.30 Bull
Current Market Price: $28.31
Trades at a 30.1% discount to Base DCF ($40.51)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$7.53B+6.3% YoY
Net income FY25
$2.16B+13.9% YoY
Free cash flow FY25
$2.15B+48.1% YoY
Operating margin FY25
36.4%+3.2 pts YoY
ROIC (FY25)8.5%
Avg ROIC 5Y9.8%
ROE (TTM)12.3%
Piotroski Score9 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (75%)
Revenue Beat Rate5/12 (42%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 16, 2026
$0.73+9.8%
vs $0.67
$2.0B+0.1%
vs $2.0B
Q3 2026
Jul 17, 2026
$0.68+8.1%
vs $0.63
$1.9B+0.5%
vs $1.9B
Q2 2026
Apr 17, 2026
$0.62+3.9%
vs $0.60
$1.9B-2.2%
vs $1.9B
Q1 2026
Jan 16, 2026
$0.57-6.7%
vs $0.61
$1.9B-0.5%
vs $1.9B
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Seeking Alpha·Oct 25, 2026
Buy 8 Barron's Big Better Bets (Than T-Bills) Out Of 14 'Safer' October DiviDogs

Eight of the fourteen highest-yield 'Safer' Big BBB Dogs, including Suburban Propane, Verizon, and Realty Income, currently meet the dogcatcher ideal for buyable dividend value. Analyst 1-year targets project average net gains of 23.91% for the top ten BBB stocks, with risk/volatility 26% below the market average. Dividend safety is highlighted by positive free cash flow yields exceeding dividend yields for the 'safer' group, while eight names show negative free cash flow margins and are considered unsafe.

Business Wire·Oct 22, 2026
Regions Private Wealth Management Earns 2026 Datos Impact Award for Best Innovation in Financial Planning

BIRMINGHAM, Ala.--(BUSINESS WIRE)--Regions Bank on Thursday announced Regions Private Wealth Management has received the 2026 Datos Impact Award for Best Innovation in Financial Planning, recognizing the company's continued advancement of a planning-first approach that combines experienced financial guidance with technology to deliver clients a more connected, personalized and comprehensive experience. What is the Datos Impact Award? Datos Insights is a research and advisory firm working with t.

Benzinga·Oct 19, 2026
Regions Financial Analysts Cut Their Forecasts After Q3 Results

Regions Financial Corp (NYSE:RF) reported upbeat earnings for the third quarter on Friday.

Defense World·Oct 18, 2026
Regions Financial Q3 Earnings Call Highlights

Regions Financial (NYSE: RF) reported third-quarter 2026 net income of $611 million, or $0.71 per share, while adjusted earnings totaled $622 million, or $0.73 per share. The company reported adjusted pre-tax, pre-provision income of $870 million and an adjusted return on tangible common equity of 22%. Chairman, President and CEO John Turner said the quarter reflected

Filtered for Regions Financial CorporationMore Headlines
04

Compare before deciding

Benchmark RF against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Regions Financial Corporation (RF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
RF logoRFRegions Financial CorporationCurrent
$28.31$24.16B10.566.25%29.89%12.26%3.66%
CFG logoCFGCitizens Financial Group, Inc.
$63.24$26.74B11.87-5.85%25.4%8.74%2.74%
HBAN logoHBANHuntington Bancshares Incorporated
$15.47$31.26B12.7210.58%24%8.17%3.9%
KEY logoKEYKeyCorp
$20.85$22.5B10.4769.31%29.3%10.88%4.62%
FITB logoFITBFifth Third Bancorp
$53.04$48.07B18.988.37%21.86%8.3%3.28%
MTB logoMTBM&T Bank Corporation
$217.75$31.56B10.48-4.98%30.21%10.65%2.64%

Compare RF vs Peers

Regions Financial Corporation (RF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CFG

Most directly comparable listed peer for RF.

Scale Benchmark

vs JPM

Larger-name benchmark to compare RF against a more recognizable public peer.

Peer Set

Compare Top 5

vs CFG, HBAN, KEY, FITB

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

RF SEC Filings & Documents

Regions Financial Corporation (RF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 16, 2026·SEC

Material company update

Jul 17, 2026·SEC

Material company update

May 11, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 24, 2026·SEC

FY 2025

Feb 21, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 7, 2026·SEC

FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 5, 2025·SEC

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RF Frequently Asked Questions

Regions Financial Corporation (RF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Regions Financial Corporation growing?

Regions Financial Corporation (RF) grew revenue by 3.4% over the trailing twelve months, compared with the twelve months before.

Is RF profitable?

Yes. Regions Financial Corporation (RF) earned $2.29B in net income over the trailing twelve months (a 29.9% net margin).

Dividend & Returns
Does RF pay dividends?

Yes. Regions Financial Corporation (RF) pays a dividend that yields 3.66% at the current price, a moderate yield.

What is RF's return on equity?

Regions Financial Corporation (RF) had a return on equity (ROE) of 12.3% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is Regions Financial Corporation's net interest margin?

Regions Financial Corporation (RF) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

What is Regions Financial Corporation's efficiency ratio?

Regions Financial Corporation (RF) has an efficiency ratio of 58.8%. This is reasonable for a bank.

What if you invested $1,000 in RF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →