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RFRegions Financial Corporation
$27.91$23.4B
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
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
RF logo

Regions Financial Corporation

RF
NYSE · Regional Banks
$27.91
At close - Sep 22, 4:00 PM EDT - USD
Market Cap$23.82B
P/E12.2x
52W High$32.47
Volume11.99M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Stabilizing Net Interest Income Amidst Margin Volatility

Regions Financial demonstrates a resilient core franchise in the Southeastern U.S., evidenced by a recovery in net interest income growth to 4.5% in 2026Q1. While the bank maintains a stable equity-to-assets ratio of 0.12, investors should monitor the variabil...

GrowthStable
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

RF price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

-14% Peers

P/E is 14% below peer median

03

Market leadership

RS 52 · Avg

Average momentum (RS Rating: 52)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 17
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 performance shows signs of stabilization as net interest income growth rebounded to 4.5% in 2026Q1, though the efficiency ratio remains sensitive, recently settling at 45.9%.

Analyst Consensus+20.9% target
Hold(52 analysts)
21 Buy26 Hold5 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 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
RF+4.28%
S&P 500 (^GSPC)+13.20%
1-Year Return
RF+9.21%
S&P 500 (^GSPC)+15.98%
3-Year Return
RF+81.65%
S&P 500 (^GSPC)+79.76%
5-Year Return
RF+66.70%
S&P 500 (^GSPC)+69.61%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
12.0x
Forward P/EExpansion
10.4x
EV/EBITDA50th %ile
6.2x
FCF YieldCash Flow
9.2%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
12.0x
9.5x
80th· High
EV/EBITDA
6.2x
6.4x
50th· Fair
Price/FCF
10.9x
8.5x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$20.19-27.7%
Base (Fair)$35.62+25.0%
Bull$55.06+97.3%
$20.19 Bear$35.62 Base$55.06 Bull
Current Market Price: $27.91
Trades at a 21.6% discount to Base DCF ($35.62)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$7.53B+6.3% YoY
Net income
$2.16B+13.9% YoY
Free cash flow
$2.15B+48.1% YoY
Operating margin
28.5%+3.4 pts YoY
ROIC (TTM)8.5%
Avg ROIC 5Y-
ROE (TTM)11.7%
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 Rate8/12 (73%)
Revenue Beat Rate4/12 (36%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
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
Feb 24, 2026
$0.61
vs —
$2.4B
vs —
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

5 Stories
Seeking Alpha·Sep 15, 2026
Regions Financial Corporation (RF) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

Regions Financial Corporation (RF) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

GuruFocus·Sep 15, 2026
HawkEye 360 and Leonardo Sign MOU to Deliver Sovereign Signals Capability

HawkEye 360 and Leonardo Sign MOU to Deliver Sovereign Signals CapabilityPR NewswirePARIS, Sept. 15, 2026PARIS, Sept. 15, 2026 /PRNewswire/ -- HawkEye 360, Inc.

Zacks Investment Research·Sep 9, 2026
Regions Financial (RF) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Regions Financial (RF) have what it takes?

Seeking Alpha·Sep 7, 2026
Regions Financial Looks More Attractive Again, Regardless Of The Fed's Decision

Regions Financial (RF) is upgraded to Buy, reflecting strong Q2 2026 results and favorable positioning in high-growth Southern markets. RF delivered Q2 adjusted EPS of $0.68, beating estimates by 7.9%, with improving asset quality and robust loan growth. The bank maintains a low cost of deposits (1.18%) and increased its quarterly dividend by over 13%, offering a forward yield of 3.94%.

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
$27.91$23.82B12.196.25%22.44%11.65%3.71%
CFG logoCFGCitizens Financial Group, Inc.
$65.49$27.69B16.97-5.85%17.51%7.63%—
HBAN logoHBANHuntington Bancshares Incorporated
$15.69$31.7B11.2910.58%16.64%8.57%—
KEY logoKEYKeyCorp
$20.48$22.11B13.4769.31%28.68%10.12%—
FITB logoFITBFifth Third Bancorp
$52.76$47.82B14.908.37%15.91%8.86%—
MTB logoMTBM&T Bank Corporation
$223.42$32.38B13.14-4.98%23.71%10.25%—

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

Jul 17, 2026·SEC

Material company update

May 11, 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

Get notified when RF posts new earnings or crosses analyst targets

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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 6.3% over the past year. This is steady growth.

Is RF profitable?

Yes, Regions Financial Corporation (RF) is profitable, generating $2.23B in net income for fiscal year 2025 (22.4% net margin).

Dividend & Returns
Does RF pay dividends?

Yes, Regions Financial Corporation (RF) pays a dividend with a yield of 3.71%. This makes it attractive for income-focused investors.

What is RF's return on equity?

Regions Financial Corporation (RF) has a return on equity (ROE) of 11.7%. This is reasonable for most industries.

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 46.1%. This is excellent, indicating strong cost control.

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

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

See returns →