Regions Financial Corporation RF SPX

Financial Services · Banks - Regional · United States

https://www.regions.com

Regions Financial Corporation, a financial holding company, provides various banking and related products and 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; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to 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 the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; home improvement lending, investment advisory services, equipment financing for commercial clients, small business customers, low-income housing tax credit corporate fund syndication services, financing to CRA-qualified customers, and broker-dealer services to commercial clients, as well as other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.

Market & Price

Market Cap

$23.89B

Current Price

$28.00

High / Low (52W)

$30.66 / $20.49

Beta

1.03

Valuation

Stock P/E

11.62

Industry PE

12.01

Forward P/E

9.81

PEG Ratio

1.63

Book Value

$20.39

Price to Book

1.37

P/S

3.33

EV/EBITDA

Dividend Yield

3.79%

Profitability & Returns

ROCE

ROE

11.89%

ROA

1.39%

Profit Margin

31.00%

Op Margin

40.07%

EPS (Latest Qtr)

$0.62

EPS (TTM)

$2.41

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$8.11B

Total Assets

$158.81B

Current Assets

Working Capital

Ownership

Promoter Holding

0.26%

Chg in Prom Hold

FII / Inst Holding

86.27%

Chg in FII Hold

0.00%

Financial Snapshot

Enterprise Value

$28.22B

Total Revenue (TTM)

$7.18B

EBITDA

Free Cash Flow

Operating Cash Flow

$1.98B

Shares Outstanding

853.38M

Gross Margin

0.00%

Payout Ratio

43.36%

Growth (CAGR)

Revenue 5Y

1.65%

Profit 5Y

-1.34%

Revenue (YoY)

7.30%

Earnings (YoY)

21.60%

PROS

Excellent profit margin of 31.0%.
Attractive dividend yield of 3.79%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -1.3% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	RF Regions Financial Corporation SPX	28.00	11.62	$23.89B	3.79%	-	11.89%	1.65%	-1.34%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.78B	1.91B	1.92B	1.92B	1.87B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	531.00M	525.00M	539.00M	487.00M	454.00M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	621.00M	706.00M	708.00M	708.00M	714.00M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	131.00M	143.00M	139.00M	174.00M	155.00M
Net Income	267.00M	293.00M	315.00M	296.00M	320.00M	234.00M	285.00M	258.00M	273.00M	275.00M	320.00M	301.00M	316.00M	311.00M	414.00M	375.00M	564.00M	394.00M	390.00M	409.00M	162.00M	-214.00M	530.00M	642.00M	790.00M	651.00M	548.00M	583.00M	429.00M	612.00M	581.00M	490.00M	368.00M	501.00M	490.00M	490.00M	563.00M	569.00M	534.00M	559.00M
Diluted EPS	0.18	0.20	0.22	0.21	0.22	0.16	0.20	0.18	0.20	0.20	0.24	0.23	0.25	0.25	0.35	0.32	0.50	0.37	0.37	0.39	0.14	-0.25	0.52	0.63	0.77	0.65	0.55	0.59	0.43	0.62	0.59	0.49	0.37	0.52	0.49	0.51	0.59	0.61	0.58	0.62

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	58.00M	60.00M	71.00M	79.00M	84.00M	-	7.17B	7.58B	7.08B	7.53B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	316.00M	1.58B	2.29B	2.08B
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.88B	2.61B	2.35B	2.74B
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	631.00M	533.00M	461.00M	587.00M
Net Income	1.25B	-5.60B	-1.03B	-539.00M	-215.00M	1.12B	1.09B	1.15B	1.06B	1.16B	1.26B	1.76B	1.58B	1.09B	-	2.25B	2.07B	1.89B	2.16B
Diluted EPS	1.76	-8.09	-1.27	-0.62	-0.34	0.71	0.75	0.79	0.75	0.87	1.00	1.54	1.50	1.03	-	2.28	2.11	1.93	2.30

Compounded Sales Growth

5 Years:	1.65%
1 Year:	7.30%

Compounded Profit Growth

5 Years:	-1.34%
1 Year:	21.60%

Stock Price Performance

1 Year:	+36.13%
6 Months:	+12.38%
3 Months:	+1.58%
1 Month:	-0.04%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2006	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	146.25B	142.32B	132.35B	127.05B	121.35B	117.40B	119.56B	126.05B	125.97B	124.29B	125.69B	126.24B	147.39B	-	155.22B	152.19B	157.30B	158.81B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	4.63B	4.75B	10.97B	8.01B	6.92B	7.25B	5.49B	5.27B	4.00B	5.31B	5.45B	3.98B	3.54B	-	-	-	11.23B	6.80B	10.71B	10.91B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	511.00M	614.00M	572.00M	571.00M
Total Liabilities	-	-	129.44B	124.44B	115.62B	110.55B	105.85B	101.63B	102.69B	109.21B	109.30B	108.10B	110.60B	109.94B	129.28B	-	139.27B	134.70B	139.39B	139.71B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	19.23B	18.46B	13.19B	8.11B	5.86B	4.83B	3.46B	8.35B	7.76B	8.13B	12.42B	7.88B	3.57B	-	2.28B	2.33B	5.99B	4.13B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.28B	2.33B	6.49B	4.88B
Total Equity	20.70B	19.82B	16.81B	17.88B	16.73B	16.50B	15.42B	15.66B	16.87B	16.84B	16.66B	16.19B	15.09B	16.30B	18.11B	-	15.95B	17.43B	17.88B	19.04B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	975.52M	963.38M	949.51M	908.05M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Mar 2014	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	3.29B	2.01B	2.04B	4.23B	4.75B	2.44B	3.75B	-	2.11B	1.60B	2.04B	2.30B	2.27B	2.58B	2.32B	-	3.10B	2.31B	1.60B	2.18B
Investing Cash Flow	1.32B	-6.23B	-1.64B	4.08B	659.00M	1.01B	-71.00M	-	-3.78B	-6.12B	-700.00M	-801.00M	-3.04B	509.00M	-4.85B	-	-12.94B	-1.61B	-262.00M	-1.42B
Financing Cash Flow	-4.50B	10.45B	-3.36B	-9.40B	-5.09B	-5.20B	-3.89B	-	405.00M	5.83B	-1.20B	-2.97B	327.00M	-2.51B	16.37B	-	-8.35B	-5.13B	2.58B	-568.00M
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-288.00M	-157.00M	-146.00M	-30.00M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.81B	2.15B	1.45B	2.15B
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-18.18B	-4.43B	3.91B	195.00M
Share Buybacks	1.36B	0	0	-	0	0	340.00M	347.00M	256.00M	623.00M	839.00M	1.27B	2.12B	1.10B	0	467.00M	230.00M	252.00M	348.00M	1.07B

Ratios (Annual)

Figures in %.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	2,005.2%	2,105.0%	2,477.5%	2,002.5%	1,302.4%	-	31.3%	27.4%	26.7%	28.6%
ROE %	6.3%	-33.3%	-5.8%	-3.2%	-1.3%	7.3%	7.0%	6.8%	6.3%	7.0%	7.8%	11.7%	9.7%	6.0%	-	14.1%	11.9%	10.6%	11.3%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

0.26%

Institutions

86.27%

Public Float

86.50%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	9.63%	82.22M	$2.30B
2	Vanguard Capital Management LLC	6.58%	56.16M	$1.57B
3	State Street Corporation	5.59%	47.71M	$1.34B
4	Vanguard Portfolio Management LLC	4.70%	40.12M	$1.12B
5	Wellington Management Group, LLP	4.23%	36.14M	$1.01B
6	Charles Schwab Investment Management, Inc.	3.00%	25.57M	$716.01M
7	Geode Capital Management, LLC	2.82%	24.08M	$674.37M
8	Morgan Stanley	2.24%	19.11M	$535.21M
9	JPMORGAN CHASE & CO	2.11%	18.01M	$504.40M
10	Invesco Ltd.	2.09%	17.87M	$500.22M

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