Regions Financial Corporation (RF)
Financials · $24.3B market cap · SEC CIK 0001281761
fundamentals score out of 100
Next reports on Oct 16, 2026, with analysts expecting $0.68 in earnings per share.
The case for RF
- Cheap on earnings at 10.9×, well under the market's usual 20×.
- 30% of revenue drops through to net profit.
- Pays a 6.0% dividend while you wait.
- A PEG of 0.92: a P/E of 10.9× is low for EPS growing 12%.
The case against
- Growth is weak (36/100): EPS +11.9%, +5.1% a year over five years.
- Weakest against its peers: return on equity of 12% is lower than 71% of Financials companies.
What the score is made of
Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. It describes the last filing and the current price. It is not a forecast.
| Valuewhat you pay for the earnings, sales, assets and cash | 78 |
|---|---|
| Growthhow fast revenue and earnings are moving, this year and over five | 36 |
| Profitabilityhow much of the revenue becomes profit, and how much of that is cash | 68 |
| Momentumhow the price has behaved lately | 52 |
| Stabilityhow violently it moves, what it owes and what it pays you | 59 |
- Its one-year revenue change (+45%) is far out of line with its five-year trend (+5% a year). In the Financials sector that is usually interest income swinging with rates rather than growth, so only the five-year figure is used.
- Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
- Each factor except momentum is half fixed thresholds, half rank among the 74 Financials companies.
Key numbers
| Price / earnings | 10.9× |
|---|---|
| Price / book | 1.37× |
| Price / sales | 1.9× |
| Revenue growth (YoY) | +45.4% (not used: out of line with the five-year +5.1% a year) |
| EPS growth (YoY) | +11.9% |
| Gross margin | — |
| Operating margin | 39% |
| Net margin | 30% |
| Return on equity | 12% |
| Debt / equity | 0.26× |
| Current ratio | n/a |
| Dividend yield | 5.98% |
| Beta | 1.05 |
| 52-week range | $22.70 – $32.47 |
| Position in that range | 53% of the way up |
| 3-month return | -0.2% |
| 1-year return | +5.1% |
Five years of financials, as filed
Pulled from Regions Financial Corporation's XBRL filings on SEC EDGAR. Italic rows are derived from the rows above.
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | $104M |
| Operating income | $53.0M | $95.0M | $212M | $56.0M | $46.0M |
| Net income | $2.2B | $1.9B | $2.1B | $2.2B | $2.5B |
| Operating cash flow | $2.2B | $1.6B | $2.3B | $3.1B | $3.0B |
| Total assets | $159B | $157B | $152B | $155B | $163B |
| Total liabilities | $140B | $139B | $135B | $139B | $145B |
| Shareholder equity | $19.0B | $17.9B | $17.4B | $15.9B | $18.3B |
| Cash | $10.9B | $10.7B | $6.8B | $11.2B | $29.4B |
| Long-term debt | $4.1B | $6.0B | $2.3B | $2.3B | $2.4B |
| Operating margin | — | — | — | — | 44.2% |
| Net margin | — | — | — | — | 2424.0% |
| Diluted shares | 896M | 918M | 938M | 942M | 963M |
Share count is down 7.0% over 4 years. Buybacks have been shrinking the pie.
What Regions Financial Corporation says it does
46 Table of Contents • "Regulatory Requirements" section of MD&A • Note 12 "Regulatory Capital Requirements and Restrictions" to the consolidated financial statements Loan Portfolio and Credit During 2025, total loans decreased by $1.1 billion or 1.1 percent compared to 2024. The decrease was driven by a decline in the commercial portfolio of $947 million and the consumer portfolio of $539 million, partially offset by an increase in commercial investor real estate mortgage loans of $605 million. The decline in commercial loans, specifically commercial and industrial loans, was due to strategic runoff in leveraged lending, continued portfolio resolutions, and loans refinancing off the balance sheet through the debt capital markets. The decline in consumer loans was primarily related to a decrease in Regions' home improvement financing portfolio balances. The increase in commercial investor real estate mortgage loans was a…
Risk factors RF lists in its 10-K
- Other Financial Services Operations
- Permissible Activities under the BHC Act
- Enhanced Prudential Standards and Regulatory Tailoring Rules
- Payment of Dividends by Regions Bank
- Limits on Exposure to One Borrower and Exposure to Insiders
- De Novo Branching and De Novo Banks
- Office of Foreign Assets Control Regulation
- Regulation of Broker Dealers and Investment Advisers
- Our businesses have been, and may continue to be, adversely affected by conditions in the financial markets and economic conditions generally
- Fluctuations in market interest rates, including the level and shape of the yield curve, may adversely affect our performance
- If we experience greater credit losses in our loan portfolios than anticipated, our earnings may be materially adversely affected
- Any future reductions in our credit ratings may increase our funding costs and place limitations on business activities
- Changes in the soundness of other financial institutions could adversely affect us
- We may suffer losses if the value of collateral declines in stressed market conditions