RF
NYSE · USDRegions Financial Corporation
Financial Services · Banks - Regional
CEO John Turner Jr.
Employees 19,969
R&D / revenue 0.0%
Last price
$27.45+0.51%last session
Market cap
$23.4B
P/E (TTM)
10.6x
From 52w high
−15.5%
From 52w low
+20.9%
1-year return
+18.7%
RSI 14 · vs SMA200
44.3 · −4.0%
IS score
43.8/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)
One year, rebased to 100
RF SPY XLF (sector ETF) · weekly closesScore DNA
Each bar is a 0-100 score within the scored universe68Profitability
45Growth
83Value
60Momentum
90Risk (safety)
72Quality
56Balance sheet
82Earnings quality
Flags
Strengths
✓ Net cash
Warnings
None of the computed warning flags fires for RF (Altman, Beneish, accruals, FCF, dilution).
Observations
Moat model: Weak, Intangible AssetsPiotroski 6 / 9Beta 1.002 of 4 smart-money sources active
Smart-money strip
Each disclosure source on its own window. Filings coinciding is not coordination.INSForm 4 · 180 days
Insider open-market buys
0
2 open-market sales, $195,773
No Form 144 notices in 12 months
CONGSTOCK Act · 180 days
Congressional purchases
0
No disclosed purchases
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
+30
122 new holders, 83 closed
1,109 filers hold 87.9% · 435 added, 354 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+175
1,101 funds adding shares
926 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
61.3%
20-day avg 67.0%, 50-day avg 69.2%
Latest 5.7 pp under its 20-day average · a flow, not short interest
Key financials · FY2025
USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.Income statement
Revenue$9.6B
Revenue growth YoY+2.5%
Gross margin74.6%
Operating income$2.7B
Operating margin28.5%
Net income$2.2B
Net margin22.4%
EPS (diluted)$2.29
Cash flow
Operating cash flow$2.2B
Capital expenditure$0
Free cash flow$2.2B
FCF conversion (FCF / OCF)100.0%
Stock-based compensation$27.0M
FCF less SBC$2.2B
Buybacks$1.4B
Dividends$1.0B
Balance sheet & returns
Cash & short-term investments$38.5B
Total debt$4.9B
Net cash$33.6B
Shareholders' equity$19.1B
Goodwill & intangibles$5.9B
Debt / equity0.59
ROE (TTM)12.3%
ROIC (TTM)6.8%
Operating margin by fiscal year
Revenue $6.6B (FY2021) to $9.6B (FY2025), a 9.8% CAGR.
Valuation
P/E (TTM)10.6x
EV / EBITDA7.9x
Price / sales2.44x
Price / FCF13.2x
FCF yield7.56%
Buyback yield6.06%
SBC / revenue0.0%
Price / book1.31x
Forward P/E FY202610.4x
Forward P/E FY20279.6x
Forward P/E FY20288.8x
Forward multiples divide today's price by Street EPS estimates. Street mean target $33.75 across 8 analysts last quarter is theirs, not ours.
RF vs industry median
909 companies in Banks - Regional
RF (TTM)Industry median
Asset turnover 0.06 vs industry 0.05 · financial leverage 9.15
Earnings delivery
Next report 2027-01-15 · consensus EPS $0.6975%
beat rate, 9 of 12 quarters
+6.4%
median EPS surprise
4
longest beat streak
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2024-01-19 to 2026-10-16. Bars cap at ±60%.
Peers
Market-cap band, not the industry cohort above| Company | Mkt cap | P/E | ROE | Net margin | Rev growth | 12m return |
|---|---|---|---|---|---|---|
| RF Regions Financial Corporatio | $23.4B | 10.6x | 12.3% | 24.0% | +2.5% | +18.7% |
| FCNCA First Citizens BancShares, I | $24.0B | 11.4x | 10.7% | 18.6% | −1.3% | +29.7% |
| KEY KeyCorp | $21.6B | 11.6x | 10.3% | 24.7% | +13.5% | +20.4% |
| CFG Citizens Financial Group, In | $26.7B | 12.7x | 8.3% | 18.4% | −4.5% | +32.1% |
| HBAN Huntington Bancshares Incorp | $30.9B | 11.2x | 9.0% | 17.4% | +18.5% | +0.2% |
| MTB M&T Bank Corporation | $31.1B | 11.2x | 10.7% | 24.3% | −5.8% | — |
| EWBC East West Bancorp, Inc. | $17.4B | 12.1x | 16.6% | 30.9% | +4.7% | — |
| PNFP Pinnacle Financial Partners, | $14.3B | 11.6x | 7.7% | 19.1% | +61.9% | — |
12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.
Recent 8-K filings
No 8-K filings on file.
Context
Shares outstanding851,930,000
Free float99.5%
Institutional ownership87.9%
Beta1.00
Dividend yield3.99%
Last dividend$0.30 on 2026-12-01
50 / 200-day average$29.22 / $28.67
Large-cap Financial Services median P/E14.0x
Full factsheet
The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).
Read it in the browser Download (PDF)All fundamentals · 140 measures in 13 categories
Percentile = where RF sits among 257 scored companies in Banks - Regional (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)
Valuation
| Measure | RF | Industry percentile |
|---|---|---|
| P/E (TTM) | 10.5x | 29th |
| PEG (P/E ÷ 3-yr EPS CAGR) | 5.34 | 88th |
| Price / sales | 2.4x | 45th |
| Price / book | 1.2x | 56th |
| Price / tangible book | 2.2x | 88th |
| Price / free cash flow | n/a | |
| Price / operating cash flow | n/a | |
| Enterprise value | n/a | |
| EV / sales | n/a | |
| EV / EBITDA | n/a | |
| EV / EBIT | n/a | |
| EV / free cash flow | n/a | |
| Earnings yield | 9.5% | 71st |
| FCF yield | n/a | |
| Operating cash flow yield | n/a | |
| Graham number (per share) | $35.89 | 30th |
Profitability (TTM)
| Measure | RF | Industry percentile |
|---|---|---|
| Gross margin | n/a | |
| EBITDA margin | n/a | |
| Operating margin | 29.8% | 70th |
| EBIT margin | 29.8% | 69th |
| Net margin | 23.3% | 63rd |
| NOPAT margin | 23.3% | 70th |
| FCF margin | n/a | |
| Operating cash flow margin | n/a | |
| R&D / revenue | 0.0% | 0th |
| SG&A / revenue | 32.9% | 76th |
| Stock comp / revenue | — | |
| Effective tax rate | 21.6% | 55th |
Returns on capital
| Measure | RF | Industry percentile |
|---|---|---|
| ROE (on average equity) | 11.9% | 63rd |
| ROA | 1.4% | 71st |
| ROIC | n/a | |
| ROCE | n/a | |
| Return on tangible assets | 1.8% | 75th |
| Cash ROIC (OCF / invested capital) | n/a | |
| Gross profitability (GP / assets) | n/a | |
| ROIC, 3-yr average | n/a | |
| ROIC, 5-yr average | n/a | |
| ROE, 5-yr average | 12.1% | 71st |
| Incremental ROIC | n/a |
Growth
| Measure | RF | Industry percentile |
|---|---|---|
| Revenue growth (TTM YoY) | 0.5% | 33rd |
| Revenue growth (QoQ) | 2.2% | 51st |
| Revenue CAGR, 3 yr | 3.7% | 16th |
| Revenue CAGR, 5 yr | 7.3% | 13th |
| Gross profit CAGR, 3 yr | n/a | |
| Operating income CAGR, 3 yr | -1.2% | 34th |
| Net income growth (TTM YoY) | 7.5% | 20th |
| Net income CAGR, 3 yr | -1.1% | 20th |
| EPS growth (TTM YoY) | 12.9% | 36th |
| EPS CAGR, 3 yr | 2.0% | 36th |
| EPS CAGR, 5 yr | -0.5% | 19th |
| FCF growth (TTM YoY) | n/a | |
| FCF CAGR, 3 yr | n/a | |
| Operating cash flow CAGR, 3 yr | n/a | |
| Book value CAGR, 3 yr | 7.5% | 32nd |
| Dividend CAGR, 3 yr | 2.9% | 66th |
| Sustainable growth rate | 6.6% | 35th |
Margin history & stability
| Measure | RF | Industry percentile |
|---|---|---|
| Gross margin, 3-yr average | n/a | |
| Operating margin, 3-yr average | 26.8% | 72nd |
| Net margin, 3-yr average | 21.3% | 70th |
| FCF margin, 3-yr average | n/a | |
| Revenue stability (0-1) | 0.89 | 45th |
| Earnings stability (0-1) | 0.28 | 44th |
| Margin stability (0-1) | 0.84 | 61st |
Liquidity (latest quarter)
| Measure | RF | Industry percentile |
|---|---|---|
| Cash & short-term investments | n/a | |
| Net cash (− = net debt) | n/a | |
| Working capital | n/a | |
| Current ratio | n/a | |
| Quick ratio | n/a | |
| Cash ratio (cash + ST investments / current liabilities) | n/a | |
| Defensive interval (days) | n/a |
Leverage & solvency (latest quarter)
| Measure | RF | Industry percentile |
|---|---|---|
| Total debt | n/a | |
| Debt / equity | n/a | |
| Net debt / equity | n/a | |
| Debt / assets | n/a | |
| Debt / capital | n/a | |
| Debt / EBITDA | n/a | |
| Net debt / EBITDA | n/a | |
| Interest coverage (EBIT / interest) | n/a | |
| Cash interest coverage | n/a | |
| Debt payback (years of OCF) | n/a | |
| Liabilities / assets | 88.3% | 39th |
| IS credit model rating | A | |
| Implied credit spread (bps) | 150 | 42nd |
Efficiency
| Measure | RF | Industry percentile |
|---|---|---|
| Asset turnover | n/a | |
| Fixed asset turnover | n/a | |
| Inventory turnover | n/a | |
| Receivables turnover | n/a | |
| Days sales outstanding | n/a | |
| Days inventory outstanding | n/a | |
| Days payables outstanding | n/a | |
| Cash conversion cycle (days) | n/a | |
| Capex / revenue | n/a | |
| Capex / depreciation | n/a | |
| Operating expense ratio | n/a |
Cash flow & earnings quality
| Measure | RF | Industry percentile |
|---|---|---|
| Operating cash flow / net income | n/a | |
| FCF / net income | n/a | |
| FCF / operating cash flow | n/a | |
| Capex / operating cash flow | n/a | |
| Accruals ratio | n/a | |
| Sloan accruals ratio | n/a | |
| Earnings quality score (0-1) | n/a |
Scores & forensic checks
| Measure | RF | Industry percentile |
|---|---|---|
| IS score | 44 | 19th |
| IS profitability | 68 | 70th |
| IS growth | 45 | 26th |
| IS value | 83 | 60th |
| IS momentum | 60 | 14th |
| IS risk (safety) | 90 | 85th |
| IS quality | 72 | 38th |
| IS balance sheet | 56 | 83rd |
| IS earnings quality | 82 | 26th |
| IS cash flow | 46 | 11th |
| Piotroski F-score (0-9) | 6 | 26th |
| Altman Z-score | — | |
| Beneish M-score | — | |
| Ohlson O-score | −5.54 | 33rd |
| IS credit score | 74 | 56th |
Size (TTM)
| Measure | RF | Industry percentile |
|---|---|---|
| Market cap | $23.4B | 95th |
| Revenue | $9.6B | 94th |
| EBITDA | $2.9B | 94th |
| Net income | $2.2B | 95th |
| Free cash flow | n/a | |
| Total assets | $161.3B | 94th |
| Shareholders' equity | $18.8B | 94th |
| Employees | 20,003 | 96th |
Insider transactions, last 6 months
Form 4 · most recent 12| Date | Insider | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|
| 2026-09-10 | Chadha Anil D Chief Financial Officer |
Open-market sale | 1 | $29.89 | $23 | 11,607 |
| 2026-09-01 | Jordan John T. SEVP |
— | 35,784 | — | — | 0 |
| 2026-07-15 | Vines Timothy Director |
Award / grant | 993 | — | — | 55,882 |
| 2026-07-15 | Styslinger Lee J Iii Director |
Award / grant | 993 | — | — | 279,409 |
| 2026-07-15 | Crosswhite Mark A. Director |
Award / grant | 993 | — | — | 23,281 |
| 2026-07-15 | Hill J Thomas Director |
Award / grant | 1,112 | — | — | 22,883 |
| 2026-07-15 | Marshall Ruth Ann Director |
Award / grant | 1,707 | — | — | 174,233 |
| 2026-07-01 | Santone Angela R. SEVP |
Option exercise | 28,411 | — | — | 28,411 |
| 2026-07-01 | Santone Angela R. SEVP |
Tax withholding | 10,286 | $30.80 | $316,809 | 18,125 |
| 2026-07-01 | Santone Angela R. SEVP |
Option exercise | 28,411 | — | — | 72,157 |
| 2026-05-11 | Marshall Ruth Ann Director |
Award / grant | 5,404 | — | — | 68,462 |
| 2026-05-11 | Vines Timothy Director |
Award / grant | 5,404 | — | — | 58,184 |
Shares acquired vs disposed, by month
acquired disposed · all Form 4 typesBy transaction type, 6 months
| Type | Direction | Filings | Shares | Value |
|---|---|---|---|---|
| Award / grant | Acquired | 17 | 70,645 | — |
| Open-market sale | Disposed | 2 | 7,015 | $195,773 |
| Option exercise | Acquired | 7 | 130,986 | — |
| Option exercise | Disposed | 7 | 130,986 | — |
| Tax withholding | Disposed | 1 | 10,286 | $316,809 |
| — | Disposed | 2 | 35,784 | — |
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.
Form 144 notices
| Filed | Filer | Shares proposed | Est. proceeds |
|---|---|---|---|
| None on file. | |||
A Form 144 is notice of a proposed sale, not a confirmed one.
Congress trades
12 months: House 6 trades (1 purchases) · Senate 0 (0 purchases)| Traded | Member | Chamber | Type | Amount | Disclosed |
|---|---|---|---|---|---|
| 2026-05-11 | Neal P. Dunn | House | Sale | $50,001 - $100,000 | 2026-06-24 |
| 2026-05-11 | Neal Patrick Dunn | House | Sale (Full) | $50,001 - $100,000 | 2026-06-24 |
| 2026-05-10 | Neal Patrick Dunn | House | Sale (Full) | $50,001 - $100,000 | 2026-06-24 |
| 2025-10-31 | Lisa C. McClain | House | Sale (Full) | $1,001 - $15,000 | 2025-11-24 |
| 2023-12-26 | Tommy Tuberville | Senate | Sale (Full) | $15,001 - $50,000 | 2024-01-12 |
| 2023-12-26 | Tommy Tuberville | Senate | Sale (Full) | $15,001 - $50,000 | 2024-01-11 |
| 2023-12-26 | Thomas Hawley Tuberville | Senate | Sale (Full) | $15,001 - $50,000 | 2024-01-11 |
| 2023-05-08 | Tommy Tuberville | Senate | Purchase | $1,001 - $15,000 | 2023-06-15 |
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.
Largest 13F holders
Quarter to 2026-06-30, the latest most managers have filed| Manager | Shares | Value | % of shares out |
|---|---|---|---|
| BlackRock, Inc. | 81,326,428 | $2.5B | 9.55% |
| VANGUARD CAPITAL MANAGEMENT LLC | 55,724,527 | $1.7B | 6.54% |
| STATE STREET CORP | 50,667,092 | $1.5B | 5.95% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 39,837,734 | $1.2B | 4.68% |
| GEODE CAPITAL MANAGEMENT, LLC | 24,125,742 | $725.9M | 2.83% |
| WELLINGTON MANAGEMENT GROUP LLP | 20,992,390 | $634.0M | 2.46% |
| Invesco Ltd. | 18,585,587 | $561.3M | 2.18% |
| FIRST TRUST ADVISORS LP | 18,544,746 | $560.1M | 2.18% |
| VICTORY CAPITAL MANAGEMENT INC | 17,357,535 | $524.2M | 2.04% |
| JPMORGAN CHASE & CO | 11,422,576 | $345.8M | 1.34% |
| FEDERATED HERMES, INC. | 11,174,523 | $337.5M | 1.31% |
| GOLDMAN SACHS GROUP INC | 10,275,638 | $310.3M | 1.21% |
| DIMENSIONAL FUND ADVISORS LP | 10,083,971 | $304.6M | 1.18% |
| NORGES BANK | 8,849,540 | $267.3M | 1.04% |
| LSV ASSET MANAGEMENT | 8,849,447 | $267.3M | 1.04% |
Institutional ownership by quarter
% of shares held by 13F filers
Number of 13F filers holding
Holder changes by quarter
| Quarter | Holders | Ownership | New | Increased | Reduced | Closed |
|---|---|---|---|---|---|---|
| 2026-06-30 | 1,109 | 87.9% | 122 | 435 | 354 | 83 |
| 2026-03-31 | 1,079 | 82.5% | 134 | 373 | 390 | 99 |
| 2025-12-31 | 1,065 | 88.1% | 139 | 389 | 339 | 57 |
| 2025-09-30 | 1,002 | 85.4% | 120 | 392 | 302 | 66 |
| 2025-06-30 | 960 | 84.2% | 117 | 375 | 312 | 92 |
| 2025-03-31 | 947 | 85.6% | 112 | 373 | 297 | 105 |
| 2024-12-31 | 954 | 85.7% | 160 | 344 | 297 | 63 |
| 2024-09-30 | 871 | 83.7% | 122 | 311 | 286 | 63 |
| 2024-06-30 | 818 | 84.9% | 96 | 314 | 264 | 60 |
| 2024-03-31 | 795 | 85.0% | 85 | 287 | 279 | 89 |
| 2023-12-31 | 811 | 84.9% | 116 | 278 | 274 | 78 |
| 2023-09-30 | 785 | 84.6% | 87 | 271 | 278 | 66 |
Schedule 13D / 13G filers
| Filed | Form | Filer | % of class | Shares |
|---|---|---|---|---|
| None on file. | ||||
Required above 5% of a class; 13G is the passive form.
ETFs with the largest holding
| ETF | Weight in fund | Holding value |
|---|---|---|
| VITSX | 0.03% | $725.2M |
| VSMPX | 0.03% | $725.2M |
| VTI | 0.03% | $725.2M |
| VTSAX | 0.03% | $725.2M |
| SCHD | 0.57% | $646.0M |
| VFIAX | 0.03% | $601.4M |
Share structure
Shares outstanding851,930,000
Float847,959,515
Free float99.5%
Income statement
Fiscal years, USD| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Revenue | $6.6B | $7.5B | $9.2B | $9.4B | $9.6B |
| Cost of revenue | −$357.0M | $587.0M | $2.1B | $2.8B | $2.4B |
| Gross profit | $7.0B | $6.9B | $7.0B | $6.6B | $7.2B |
| R&D | $0 | $0 | $0 | $0 | $0 |
| SG&A | $2.4B | $2.4B | $2.5B | $2.6B | $2.9B |
| Operating income | $3.2B | $2.9B | $2.6B | $2.4B | $2.7B |
| EBITDA | $3.6B | $3.2B | $2.8B | $2.5B | $2.8B |
| Pretax income | $3.2B | $2.9B | $2.6B | $2.4B | $2.7B |
| Income tax | $694.0M | $631.0M | $533.0M | $461.0M | $587.0M |
| Net income | $2.5B | $2.2B | $2.1B | $1.9B | $2.2B |
| EPS, diluted | $2.49 | $2.28 | $2.11 | $1.93 | $2.29 |
| Diluted shares | 963.0M | 942.0M | 938.0M | 918.0M | 880.0M |
Balance sheet
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Cash & short-term investments | $57.9B | $39.2B | $34.9B | $34.2B | $38.5B |
| Receivables | $319.0M | $511.0M | $614.0M | $572.0M | $571.0M |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $58.2B | $39.7B | $35.5B | $34.7B | $39.5B |
| PP&E, net | $1.8B | $1.7B | $1.6B | $1.7B | $1.7B |
| Goodwill & intangibles | $6.5B | $6.8B | $6.8B | $6.9B | $5.9B |
| Total assets | $162.9B | $155.2B | $152.2B | $157.3B | $159.6B |
| Accounts payable | $0 | $0 | $0 | $0 | $0 |
| Total current liabilities | $139.1B | $131.7B | $127.8B | $128.1B | $131.9B |
| Long-term debt | $2.4B | $2.3B | $2.3B | $6.0B | $4.1B |
| Total liabilities | $144.6B | $139.3B | $134.7B | $139.4B | $140.4B |
| Shareholders' equity | $18.3B | $16.0B | $17.5B | $17.9B | $19.1B |
Cash flow statement
Outflows are negative| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Net income | $2.5B | $2.2B | $2.1B | $1.9B | $2.2B |
| Depreciation & amortization | $371.0M | $353.0M | $236.0M | $144.0M | $84.0M |
| Stock-based compensation | $0 | $0 | $0 | $0 | $27.0M |
| Change in working capital | −$294.0M | −$274.0M | −$574.0M | −$1.0B | −$689.0M |
| Operating cash flow | $3.0B | $3.1B | $2.3B | $1.6B | $2.2B |
| Capital expenditure | −$72.0M | −$288.0M | −$157.0M | −$146.0M | $0 |
| Free cash flow | $3.0B | $2.8B | $2.2B | $1.5B | $2.2B |
| Investing cash flow | −$2.9B | −$12.9B | −$1.6B | −$262.0M | −$1.4B |
| Net debt issued / repaid | −$1.2B | $0 | $0 | $4.1B | −$1.6B |
| Buybacks | −$967.0M | −$230.0M | −$252.0M | −$848.0M | −$1.4B |
| Dividends paid | −$716.0M | −$762.0M | −$885.0M | −$994.0M | −$1.0B |
Ratio history
Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Gross margin | 105.4% | 92.2% | 76.7% | 70.4% | 74.6% |
| Operating margin | 48.7% | 38.2% | 28.5% | 25.1% | 28.5% |
| Net margin | 38.2% | 29.8% | 22.7% | 20.2% | 22.4% |
| FCF margin | 44.8% | 37.4% | 23.5% | 15.5% | 22.4% |
| ROE | 13.8% | 13.1% | 12.4% | 10.7% | 11.7% |
| ROIC | -6.8% | -10.7% | -13.7% | -19.3% | -14.8% |
| ROA | 1.6% | 1.4% | 1.3% | 1.2% | 1.4% |
| Debt / equity | 0.13 | 0.14 | 0.13 | 0.36 | 0.26 |
| Interest coverage | 19.3x | 9.1x | 1.7x | 1.0x | 1.3x |
| Current ratio | 0.42 | 0.30 | 0.28 | 0.27 | 0.30 |
| Revenue growth | −0.5% | +13.9% | +21.6% | +2.4% | +2.5% |
| EPS growth | +132.1% | −9.3% | −6.6% | −7.1% | +18.4% |
| P/E at year end | 7.0x | 7.9x | 8.0x | 10.9x | 11.1x |
| EV / EBITDA at year end | n/m | n/m | n/m | n/m | n/m |
| FCF yield at year end | 16.79% | 15.89% | 13.02% | 7.04% | 9.02% |
| Dividend payout | 28.4% | 33.9% | 42.7% | 52.5% | 46.5% |
Revenue by segment
| FY2021 | FY2022 | FY2023 | |
|---|---|---|---|
| Consumer Bank | $2.0B | $2.6B | $3.1B |
| Corporate Bank | $1.8B | $2.0B | $2.0B |
| Wealth Management | $389.0M | $425.0M | $457.0M |
Street estimates by fiscal year
Next report 2027-01-15 · consensus EPS $0.69 · these are analysts' numbers, not ours| Fiscal year | Revenue (mean) | Revenue range | EPS (mean) | EPS range | Analysts | P/E on mean EPS |
|---|---|---|---|---|---|---|
| 2026 | $7.8B | $7.7B – $7.9B | $2.64 | $2.58 – $2.72 | 15 | 10.4x |
| 2027 | $8.2B | $8.0B – $8.3B | $2.85 | $2.77 – $2.94 | 16 | 9.6x |
| 2028 | $8.5B | $8.3B – $8.8B | $3.13 | $2.98 – $3.39 | 12 | 8.8x |
Reported vs expected, every quarter on file
| Reported | EPS expected | EPS actual | EPS surprise | Revenue expected | Revenue actual | Revenue surprise |
|---|---|---|---|---|---|---|
| 2026-10-16 | $0.66 | $0.73 | +10.3% | $2.0B | $2.0B | +0.1% |
| 2026-07-17 | $0.63 | $0.68 | +8.1% | $1.9B | $1.9B | +0.5% |
| 2026-04-17 | $0.61 | $0.62 | +1.6% | $1.9B | $1.9B | −2.2% |
| 2026-01-16 | $0.61 | $0.57 | −6.7% | $1.9B | $1.9B | −0.5% |
| 2025-10-17 | $0.60 | $0.63 | +5.5% | $1.9B | $1.9B | −0.4% |
| 2025-07-18 | $0.56 | $0.60 | +7.3% | $1.9B | $1.9B | +2.5% |
| 2025-04-17 | $0.51 | $0.54 | +6.3% | $1.8B | $1.8B | −2.5% |
| 2025-01-17 | $0.55 | $0.59 | +7.3% | $1.9B | $1.8B | −2.1% |
| 2024-10-18 | $0.53 | $0.49 | −7.5% | $1.8B | $1.8B | −0.5% |
| 2024-07-19 | $0.48 | $0.52 | +8.3% | $1.8B | $1.7B | −1.7% |
| 2024-04-19 | $0.45 | $0.37 | −17.8% | $1.8B | $1.7B | −0.2% |
| 2024-01-19 | $0.46 | $0.49 | +6.5% | $1.8B | $1.8B | +0.5% |
| 2023-10-20 | $0.58 | $0.49 | −15.5% | $1.9B | $1.9B | −1.7% |
| 2023-07-21 | $0.59 | $0.59 | 0.0% | $1.9B | $2.0B | +0.4% |
| 2023-04-21 | $0.66 | $0.62 | −6.1% | $2.0B | $2.0B | −0.9% |
| 2023-01-20 | $0.66 | $0.66 | 0.0% | $1.9B | $2.0B | +2.5% |
| 2022-10-21 | $0.59 | $0.56 | −5.1% | $1.8B | $1.9B | +2.9% |
| 2022-07-22 | $0.53 | $0.59 | +11.3% | $1.7B | $1.7B | +3.6% |
| 2022-04-22 | $0.47 | $0.55 | +17.0% | $1.6B | $1.6B | −0.8% |
| 2022-01-20 | $0.49 | $0.43 | −12.2% | $1.6B | $1.6B | +1.1% |
| 2021-10-22 | $0.52 | $0.65 | +25.0% | $1.6B | $1.6B | +3.4% |
| 2021-07-23 | $0.53 | $0.77 | +45.3% | $1.6B | $1.6B | +1.3% |
| 2021-04-23 | $0.47 | $0.63 | +34.0% | $1.6B | $1.6B | +2.0% |
| 2021-01-22 | $0.42 | $0.61 | +45.2% | $1.5B | $1.7B | +13.6% |
Off-exchange (dark pool) volume, weekly
FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)| Week of | Notional | Shares | Trades |
|---|---|---|---|
| 2026-08-31 | $214.4M | 7,136,105 | 93,352 |
| 2026-08-24 | $225.8M | 7,383,410 | 85,557 |
| 2026-08-17 | $234.8M | 7,552,183 | 93,431 |
| 2026-08-10 | $198.4M | 6,271,511 | 96,477 |
| 2026-08-03 | $291.4M | 9,183,262 | 98,320 |
| 2026-07-27 | $227.1M | 7,346,041 | 92,866 |
Short-sale share of off-exchange volume
daily 20-day average| Date | Short share | Short volume | Total volume |
|---|---|---|---|
| 2026-10-15 | 61.3% | 4,185,781 | 6,827,985 |
| 2026-10-14 | 70.3% | 3,409,017 | 4,851,400 |
| 2026-10-13 | 74.1% | 3,465,274 | 4,674,914 |
| 2026-10-12 | 69.3% | 3,500,387 | 5,051,389 |
| 2026-10-09 | 67.1% | 2,715,035 | 4,045,528 |
| 2026-10-08 | 63.8% | 4,204,105 | 6,591,893 |
| 2026-10-07 | 70.5% | 3,222,433 | 4,568,439 |
| 2026-10-06 | 73.1% | 3,497,119 | 4,783,449 |
| 2026-10-05 | 69.4% | 3,431,998 | 4,948,277 |
| 2026-10-02 | 69.7% | 2,919,149 | 4,187,407 |
A daily flow measure from FINRA, not short interest.
Seasonality
Average return by calendar month| Month | Avg return | Up years | Years |
|---|---|---|---|
| Jan | −0.3% | 65% | 20 |
| Feb | +1.7% | 55% | 20 |
| Mar | −1.4% | 38% | 21 |
| Apr | +3.2% | 70% | 20 |
| May | −1.5% | 40% | 20 |
| Jun | −2.2% | 50% | 20 |
| Jul | +2.7% | 65% | 20 |
| Aug | +0.5% | 55% | 20 |
| Sep | −0.5% | 50% | 20 |
| Oct | +1.1% | 65% | 20 |
| Nov | +4.3% | 70% | 20 |
| Dec | +1.0% | 60% | 20 |
History, not a forecast.
Indicators
as of 2026-10-16RSI 1444.3
MFI55.7
ADX35.0
Stochastic %K / %D62.3 / 59.8
Williams %R-35.3
CCI70
TSI / signal-30.3 / -36.9
Chaikin money flow-0.07
ATR$0.59
Bollinger width6.0%
Volume vs 20-day avg1.98x
SupertrendDown
Moving averages and bands
level (price vs level)SMA 20$27.24 (+0.8%)
SMA 50$29.08 (−5.6%)
SMA 200$28.59 (−4.0%)
EMA 21$27.56 (−0.4%)
EMA 50$28.49 (−3.7%)
EMA 200$28.25 (−2.8%)
Bollinger upper$28.06 (−2.2%)
Bollinger lower$26.42 (+3.9%)
Parabolic SAR$26.35 (+4.2%)
Open the live chart, 110+ indicatorsAbout Regions Financial Corporation
Regions Financial Corporation (RF) operates as a financial holding company, delivering a comprehensive array of banking and related services to both individual consumers and corporate entities. The firm's operations are strategically divided into three principal divisions: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment specializes in commercial banking solutions. Its extensive offerings include various lending options such as commercial and industrial loans, commercial real estate financing, and investor real estate credit. Furthermore, it provides equipment lease financing, manages diverse deposit products, and offers sophisticated capital markets services like securities underwriting and placement, loan syndication, foreign exchange, derivatives, and merger and acquisition advisory, along with other consulting services. This segment primarily serves corporate clients, middle-market businesses, and developers and investors in commercial real estate. Focusing on individual customers, the Consumer Bank segment delivers a range of personal financial products. These include residential first mortgages, home equity lines of credit and loans, consumer credit cards, and other personal lending facilities, in addition to deposit accounts. The Wealth Management division offers extensive financial planning and asset management services. Its provisions encompass credit-related products, retirement and savings solutions, trust and investment management, and estate planning expertise. Its diverse clientele includes individuals, businesses, governmental organizations, and non-profit entities. Beyond these core banking functions, Regions Financial Corporation also provides investment and insurance products, facilitates the syndication of corporate funds for low-income housing tax credits, and engages in various other specialized financing activities. As of March 1, 2022, the company maintained a significant physical presence, operating through a network of 1,300 banking branches and approximately 2,000 automated teller machines across the Southern, Midwestern, and Texas regions of the United States. Regions Financial Corporation was established in 1971 and its corporate headquarters are located in Birmingham, Alabama.
https://www.regions.com
Key executives
| Name | Title | Pay | Born |
|---|---|---|---|
| John Turner Jr. | President, Chief Executive Officer & Chairman | $5.8M | 1962 |
| Charles Dandridge Massey | Senior EVice President and Chief Enterprise Operations & Technology Officer | $2.6M | 1971 |
| Anil D. Chadha | Senior Executive VP & CFO | $2.4M | 1979 |
| David R. Keenan | Senior Advisor | $2.0M | 1968 |
| Katherine Randall Danella | Senior EVP & Chief Administrative Officer | $2.0M | 1978 |
| Russell K. Zusi | Senior EVP & Chief Risk Officer | $1.8M | 1975 |
| Joel O. Stephens | Head of Corporate Specialized Banking | — | — |
| Karin Allen | Executive VP & Chief Accounting Officer | — | — |
Executive pay, latest proxy
| Executive | Year | Salary | Stock awards | Incentive | Total |
|---|---|---|---|---|---|
| John M. Turner, Jr. Chairman, President and Chief Executive Officer | 2025 | $1.2M | $4.2M | $4.3M | $10.0M |
| C. Dandridge Massey Chief Enterprise Operations and Technology Officer | 2025 | $663,077 | $989,890 | $1.3M | $3.6M |
| David J. Turner, Jr. Chief Financial Officer | 2025 | $725,192 | $1.2M | $1.6M | $3.6M |
| David R. Keenan Chief Administrative Officer | 2025 | $645,192 | $989,890 | $1.2M | $3.0M |
| Russell K. Zusi Chief Risk Officer | 2025 | $650,000 | $989,890 | $973,245 | $2.7M |
Employees
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| 2026-12-01 | $0.3 | 2027-01-04 |
| 2026-09-01 | $0.3 | 2026-10-01 |
| 2026-06-01 | $0.265 | 2026-07-01 |
| 2026-03-02 | $0.265 | 2026-04-01 |
| 2025-12-01 | $0.265 | 2026-01-02 |
| 2025-09-02 | $0.265 | 2025-10-01 |
| 2025-06-02 | $0.25 | 2025-07-01 |
| 2025-03-03 | $0.25 | 2025-04-01 |
Moat model
Weak · Intangible Assets · 2026-06-30Cost advantage53
Intangibles73
Switching costs42
Network effect42
Efficient scale42
Our component scores (0-100) and overall 52.0; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17