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RFRegions Financial Corporation
$30.59$26.1B
Overview & Verdict
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RF logoRegions Financial Corporation(RF)Earnings, Financials & Key Ratios

RF•NYSE•Banking & Credit
$30.59
13.4× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutRegions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as deposits. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. The company also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services. As of March 01, 2022, it operated through a network of 1,300 banking offices and 2,000 automated teller machines across the South, Midwest, and Texas. Regions Financial Corporation was founded in 1971 and is headquartered in Birmingham, Alabama.Show more
  • Net Interest Income$4.99B+3.6%
  • Total Revenue$9.61B+2.5%
  • Net Income$2.16B+13.9%
  • Return on Equity11.65%+8.9%
  • Net Interest Margin3.13%+2.1%
  • Efficiency Ratio46.09%+1.8%
  • ROA1.36%+11.2%
  • Equity / Assets11.97%+5.2%
  • Book Value per Share21.71+11.3%

RF Price & Volume

Regions Financial Corporation (RF) stock price & volume — 10-year historical chart

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Stabilizing Net Interest Income Amidst Margin Volatility

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Stable
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Interest rate hedge sensitivity

Key Thesis Takeaways

  • 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 variability in the efficiency ratio, which fluctuated between 43.5% and 50.8% over the last ten quarters.
  • The firm's ability to balance capital returns, including a 3.4% dividend yield, against necessary credit provisioning remains a critical factor for long-term valuation.

Verdict Logic

while the forward P/E of 11.49 and 3.4% dividend yield offer value, the volatility in credit provisioning, which rose to $91 million in 2026Q1, warrants a cautious approach.

RF Growth Metrics

Regions Financial Corporation (RF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years5.41%
5 Years7.66%
3 Years8.7%
TTM-

Profit CAGR

10 Years7.34%
5 Years14.53%
3 Years-1.34%
TTM10.42%

EPS CAGR

10 Years11.81%
5 Years17.33%
3 Years0.15%
TTM15.38%

Return on Capital

10 Years8.67%
5 Years10.93%
3 Years9.77%
Last Year9.65%

RF Recent Earnings

Regions Financial Corporation (RF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 2/12 qtrs (18%)
Q2 2026Latest
Apr 17, 2026
Metric
Actual
Est
EPS
$0.62+3.9%
$0.60
Rev
$1.9B-2.2%
$1.9B
Q1 2026
Feb 24, 2026
Metric
Actual
Est
EPS
$0.61
—
Rev
$2.4B
—
Q1 2026
Jan 16, 2026
Metric
Actual
Est
EPS
$0.57-6.7%
$0.61
Rev
$1.9B-0.5%
$1.9B
Q4 2025
Oct 17, 2025
Metric
Actual
Est
EPS
$0.63+5.5%
$0.60
Rev
$1.9B-0.4%
$1.9B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 17, 2026
$0.62vs $0.60+3.9%
$1.9Bvs $1.9B-2.2%
Q1 2026Feb 24, 2026
$0.61
$2.4B
Q1 2026Jan 16, 2026
$0.57vs $0.61-6.7%
$1.9Bvs $1.9B-0.5%
Q4 2025Oct 17, 2025
$0.63vs $0.60+5.5%
$1.9Bvs $1.9B-0.4%
Based on last 12 quarters of dataView full earnings history →

Latest RF News

Recent stock market news and headlines for Regions Financial Corporation (RF)

Business Wire·Jun 24, 2026
Regions Institutional Services Names Melissa Hancock as Corporate Trust Client Services Executive

BIRMINGHAM, Ala.--(BUSINESS WIRE)--Regions Bank on Wednesday announced the appointment of Melissa Hancock as Corporate Trust Client Services Executive in the Institutional Services division of Regions Wealth Management.Hancock's move to Regions Bank is part of the company's strategy for building more Wealth Management growth while consistently enhancing client service.What will Melissa Hancock lead at Regions Bank?As Corporate Trust Client Services Executive, Hancock will:Build and lead high-per.

Business Wire·Jun 23, 2026
Regions Bank Announces New Leaders in Key Markets to Drive Business Growth and Customer Experience

ATLANTA--(BUSINESS WIRE)--These executive leadership roles will further strengthen Regions Bank's growth in serving vibrant markets across the Southeast, Texas, and beyond.

Zacks Investment Research·Jun 19, 2026
Is Regions Financial Poised to Maintain Capital Return Strategy?

Can RF's solid liquidity and capital position continue to support its dividend growth and share buyback efforts? Let us discuss.

Business Wire·Jun 18, 2026
Regions Private Wealth Management Wins Two Global Private Banking Innovation Awards for Second Consecutive Year

BIRMINGHAM, Ala.--(BUSINESS WIRE)--Regions Bank on Thursday announced its Private Wealth Management division earned two top industry honors at the 2026 Global Private Banking Innovation Awards, marking the second consecutive year Regions has received these recognitions. What awards did Regions Private Wealth Management receive? Regions Private Wealth Management was recognized for excellence in client service, innovation, and wealth planning strategies in the following categories: Best Trust Ser.

Business Wire·Jun 17, 2026
Regions Financial Corp. to Announce Second Quarter 2026 Financial Results on July 17

BIRMINGHAM, Ala.--(BUSINESS WIRE)--Regions Financial Corp. confirmed the company is scheduled to release its second quarter 2026 financial results on Friday, July 17.

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
$30.59$26.1B13.362.51%22.44%11.65%3.39%
CFG logoCFGCitizens Financial Group, Inc.
$71.78$30.35B18.60-9.71%17.51%7.63%—
HBAN logoHBANHuntington Bancshares Incorporated
$18.01$36.51B12.964.38%16.63%8.81%—
KEY logoKEYKeyCorp
$23.37$25.34B15.3823.56%17.35%9.74%—
FITB logoFITBFifth Third Bancorp
$57.92$52.49B16.36-1.4%15.91%8.86%—
MTB logoMTBM&T Bank Corporation
$239.75$35.11B14.10-8.18%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

RF SEC Filings & Documents

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

8-K Announcements

6
Material company update

May 11, 2026·SEC

Material company update

May 11, 2026·SEC

Material company update

Apr 17, 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 2.5% over the past year. Growth has been modest.

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 3.39%. 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 →