Regions Financial Corporation (RF)

Financials · $24.6B market cap · SEC CIK 0001281761

Next reports on Jan 22, 2027, after the close, with analysts expecting $0.71 in earnings per share.

52-week range $23.59 to $32.47. 12% below its 52-week high and 22% above its low.

The case for RF

• Cheap for its growth: 10.7× earnings, where 10%+ a year of growth plus a 6.0% dividend would justify about 32×.
• 30% of revenue drops through to net profit.
• Pays a 6.0% dividend while you wait.
• Trades at 1.28× book value, close to what the balance sheet says it owns.

The case against

• Weakest against its peers: return on equity of 12% is lower than 69% of Financials companies.
• Its weakest area is growth (43/100): EPS +11.3%, +5.1% a year over five years.

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. The score is where that blend places it in the S&P 500. It describes the last filing and the current price. It is not a forecast.

• 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 76 Financials companies.

The financials

The financials, five years deep

Pulled from Regions Financial Corporation's XBRL filings on SEC EDGAR. Italic rows are worked out from the others.

What Regions Financial Corporation says it does

Regions Financial Corporation is a FHC headquartered in Birmingham, Alabama operating in the South, Midwest and Texas. In addition, Regions operates several offices delivering specialty capabilities in New York, Washington D.C., Chicago, Salt Lake City, and other locations nationwide. Regions provides financial solutions for a wide range of clients including retail and mortgage banking services, commercial banking services and wealth and investment services. Further, Regions and its subsidiaries deliver other financial services operations described below. At December 31, 2025, Regions had total consolidated assets of approximately $158.8 billion, total consolidated deposits of approximately $131.1 billion and total consolidated shareholders’ equity of approximately $19.0 billion. The terms “Regions,” the “Company,” “we,” “us” and “our” as used herein mean collectively Regions Financial Corporation, a Delaware corporation, together with…

Risk factors RF lists in its 10-K

• 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
• Ineffective liquidity management could adversely affect our financial results and condition
• Loss of deposits or a change in deposit mix could increase our funding costs
• We rely on the mortgage secondary market to manage various risks
• We are at risk of a variety of systems failures or errors and cyber-attacks or other similar incidents that could adversely affect customer experience and our business and financial performance
• We are subject to complex and evolving laws, regulations, rules, standards and contractual obligations regarding privacy and cybersecurity, which could increase the cost of doing business, compliance risks and potential liability
• We will continually encounter technological change and must effectively anticipate, develop and implement new technology
• The development and use of AI presents risks and challenges that may adversely impact our business
• Industry competition, including competition from decentralized finance platforms, cryptocurrencies and blockchain technologies, could disrupt our business model and adversely affect our revenues, market share or liquidity
• Our operations are concentrated primarily in the South, Midwest and Texas, and adverse changes in the economic conditions in this region can adversely affect our financial results and condition
• Weakness in the residential real estate markets could adversely affect our performance
• Weakness in the commercial real estate markets could adversely affect our performance
• Risks associated with home equity products where we are in a second lien position could adversely affect our performance
• Weakness in commodity businesses could adversely affect our performance
• An outbreak or escalation of hostilities between countries or within a country or region could have a material adverse effect on the U.S. economy and on our businesses
• We are subject to a variety of operational risks, including the risk of fraud or theft by internal or external parties, which may adversely affect our business and results of operations
• We rely on other companies to provide key components of our business infrastructure
• We depend on the accuracy and completeness of information about clients and counterparties
• We are exposed to risk of environmental liability when we take title to property
• We can be negatively affected if we fail to identify and address operational risks associated with the introduction of or changes to products, services and delivery platforms
• Enhanced regulatory and other standards for the oversight of vendors and other service providers can result in higher costs and other potential exposures
• We are, and may in the future be, subject to claims and litigation calling into question our right to use the intellectual property underlying certain technology in our business
• We are subject to sociopolitical risks that could adversely affect our business, reputation and the trading price of our common stock
• Damage to our reputation could significantly harm our businesses
• We are subject to extensive governmental regulation, which could have an adverse impact on our operations and our business model
• We are subject to a variety of risks in connection with any sale of loans we may conduct
• We may be subject to more stringent capital and liquidity requirements
• Rulemaking changes and regulatory initiatives implemented by the CFPB may result in higher regulatory and compliance costs that may adversely affect our results of operations
• We are subject to numerous laws designed to protect consumers, including the CRA and fair lending laws, and a failure to comply with these laws could lead to a wide variety of penalties and other sanctions
• We may not be able to complete future acquisitions, may not be successful in realizing the benefits of any future acquisitions that are completed or may choose not to pursue acquisition opportunities we might find beneficial
• Increases in FDIC insurance assessments may adversely affect our earnings
• Unfavorable results from ongoing stress analyses may adversely affect our ability to retain customers or compete for new business opportunities
• We are a holding company and depend on our subsidiaries for dividends, distributions and other payments
• We may not pay dividends on shares of our capital stock
• Anti-takeover and banking laws and certain agreements and charter provisions may adversely affect share value
• We face substantial legal and operational risks in our safeguarding and other processing of personal information
• Differences in regulation can affect our ability to compete effectively
• Our businesses may be adversely affected if we are unable to hire and retain qualified employees
• Our operations rely on our ability, and the ability of key external parties, to maintain appropriately staffed workforces, and on the competence, trustworthiness, health and safety of employees
• Our reported financial results depend on management’s selection of accounting methods and certain assumptions and estimates
• If the models that we use in our business perform poorly or provide inadequate information, our business or results of operations may be adversely affected
• Changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition

Filings

Other Financials companies