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Regions Financial
(NYSE:RF)
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Rating:72Outperform
Price Target:
$33.00
▲(17.31% Upside)
Action:Reiterated
Date:05/12/26
RF scores well on fundamentals and the latest earnings outlook (solid profitability, reiterated 2026 targets, improving credit, and ongoing capital returns), supported by attractive valuation (low P/E and strong dividend). The main constraints are mixed technical momentum and financial offsets including margin compression versus prior-cycle peaks, some cash-flow softness, and continued sensitivity to spreads/credit workouts.
Positive Factors
Diversified fee revenue growth
Sustained growth in wealth, treasury and capital-markets fees reduces reliance on net interest income and stabilizes revenue through cycles. Recurring fee expansion supports durable margins and cross-sell economics, making earnings less sensitive to short-term rate swings.
Negative Factors
Net interest margin pressure
Persistent spread compression from competitive pricing and paydowns of higher-yielding assets reduces structural NIM. If reinvestment yields remain lower, sustained margin pressure can erode core profitability given the bank's NII dependence, requiring mix shifts or cost actions to offset.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified fee revenue growth
Sustained growth in wealth, treasury and capital-markets fees reduces reliance on net interest income and stabilizes revenue through cycles. Recurring fee expansion supports durable margins and cross-sell economics, making earnings less sensitive to short-term rate swings.
Read all positive factors
Regions Financial Key Performance Indicators (KPIs)
Regions Financial (RF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$25.77B
Dividend Yield3.74%
Average Volume (3M)10.92M
Price to Earnings (P/E)12.5
Beta (1Y)1.03
Revenue Growth2.53%
EPS Growth16.52%
CountryUS
Employees19,644
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding853,379,500
10 Day Avg. Volume10,785,859
30 Day Avg. Volume10,920,678
Financial Highlights & Ratios
PEG Ratio0.62
Price to Book (P/B)1.25
Price to Sales (P/S)2.47
P/FCF Ratio11.02
Enterprise Value/Market Cap1.06
Enterprise Value/Revenue2.84
Enterprise Value/Gross Profit3.75
Enterprise Value/Ebitda9.36
Forecast
1Y Price Target
$30.31Price Target Upside7.74% Upside
Rating ConsensusHold
Number of Analyst Covering13
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Regions Financial Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
Regions primarily makes money through (1) net interest income and (2) non-interest income. Net interest income is earned from the spread between interest income on earning assets (notably commercial loans, consumer loans, residential mortgages, an...
Regions Financial Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.62B | 9.61B | 9.37B | 9.15B | 7.48B | 6.60B |
| Gross Profit | 7.29B | 7.17B | 6.60B | 7.02B | 6.89B | 6.96B |
| EBITDA | 2.92B | 2.81B | 2.50B | 2.84B | 3.23B | 3.59B |
| Net Income | 2.23B | 2.16B | 1.89B | 2.07B | 2.25B | 2.52B |
Balance Sheet | ||||||
| Total Assets | 160.74B | 159.55B | 157.30B | 152.19B | 155.22B | 162.94B |
| Cash, Cash Equivalents and Short-Term Investments | 3.44B | 38.47B | 34.16B | 34.91B | 39.16B | 57.89B |
| Total Debt | 6.34B | 4.88B | 6.49B | 2.33B | 2.28B | 2.41B |
| Total Liabilities | 141.90B | 140.45B | 139.39B | 134.70B | 139.27B | 144.61B |
| Stockholders Equity | 18.78B | 19.04B | 17.88B | 17.43B | 15.95B | 18.33B |
Cash Flow | ||||||
| Free Cash Flow | 1.95B | 2.15B | 1.45B | 2.15B | 2.81B | 2.96B |
| Operating Cash Flow | 1.98B | 2.18B | 1.60B | 2.31B | 3.10B | 3.03B |
| Investing Cash Flow | -3.76B | -1.42B | -262.00M | -1.61B | -12.94B | -2.87B |
| Financing Cash Flow | -1.39B | -568.00M | 2.58B | -5.13B | -8.35B | 11.29B |
Regions Financial Technical Analysis
Positive
28.13
Price Trends
27.98
Positive
27.64
Positive
26.65
Positive
Market Momentum
0.55
Negative
68.41
Neutral
87.58
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RF, the sentiment is Positive. The current price of 28.13 is below the 20-day moving average (MA) of 28.69, above the 50-day MA of 27.98, and above the 200-day MA of 26.65, indicating a bullish trend. The MACD of 0.55 indicates Negative momentum. The RSI at 68.41 is Neutral, neither overbought nor oversold. The STOCH value of 87.58 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RF.
Regions Financial Risk Analysis
Regions Financial disclosed 50 risk factors in its most recent earnings report. Regions Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Regions Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $24.88B | 14.09 | 9.74% | 3.90% | 20.39% | ― | |
74 Outperform | $35.94B | 13.39 | 8.82% | 3.50% | 9.10% | 0.60% | |
73 Outperform | $29.63B | 16.46 | 7.63% | 2.89% | -0.44% | 34.70% | |
72 Outperform | $25.77B | 12.48 | 11.78% | 3.74% | 2.53% | 16.52% | |
72 Outperform | $51.09B | 18.89 | 8.86% | 3.14% | 7.12% | -5.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $23.90B | 11.96 | 10.19% | 0.37% | -2.36% | -0.42% |
* Financial Sector Average
RF
Regions Financial
30.20
6.96
29.95%
FITB
Fifth Third Bancorp
56.37
15.32
37.33%
FCNCA
First Citizens BancShares
2,080.79
46.01
2.26%
HBAN
Huntington Bancshares
17.73
1.17
7.07%
KEY
KeyCorp
23.05
5.91
34.45%
CFG
Citizens Financial
70.07
25.41
56.91%
Regions Financial Corporate Events
Business Operations and StrategyFinancial Disclosures
Regions Financial outlines growth strategy to institutional investors
Positive
May 11, 2026
Regions Financial executives plan to brief institutional investors during May and June 2026 using updated presentation materials that highlight the bank’s diversified revenue strategy, disciplined expense management, and focus on risk-effici...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Regions Financial Shareholders Approve Major Governance Revisions
Positive
May 11, 2026
At its May 6, 2026 annual meeting, Regions Financial shareholders approved significant amendments to the company’s charter, including the removal of certain supermajority voting requirements, the elimination of specific business combination ...
Business Operations and StrategyFinancial Disclosures
Regions Financial posts strong first-quarter 2026 earnings growth
Positive
Apr 17, 2026
On April 17, 2026, Regions reported first-quarter 2026 net income available to common shareholders of $539 million and diluted EPS of $0.62, with total revenue up 5 percent year over year to $1.9 billion and pre-tax pre-provision income up 8 perce...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.