Regions Financial Corp (RF)
Financials · Regional Banks · US stock · S&P 500 component
$27.45
▲ +0.14 (0.51%)
Fair valueFair
$31 +14.5% to fair value
$16fair band $19–$44$47
Day's range
$27.21 – $28.16
52-week range
$21.82 – $32.14
About Regions Financial Corp
Regions Financial is a regional bank holding company serving customers mainly in the southern and midwestern United States. Its bank offers checking and savings accounts, consumer and business loans, mortgages, treasury services and wealth management. The company earns money from the gap between interest earned on loans and securities and interest paid on deposits, plus fees from services. Interest rates and loan quality are key influences on results.
Return on invested capital came to 13%. A dividend is paid, with a yield of 4.0%. It carries an X-Ray Score of 58 out of 100. Any one measure gives only a partial picture of the business.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $21.82 – $32.14Volume 25,973,100Daily, split-adjusted
Vitals
Market cap$23.5B
52-week range$21.82 – $32.14
Volume (last day)25,973,100
P/E (TTM)10.8
EBIT / EV yield13.4%
Free-cash-flow yield–
Dividend yield4.0%
Revenue (TTM)–
Net income (TTM)$2.2B
Operating margin–
Return on capital13.5%
Debt incl. leases$7.6B
Cash & securities$9.9B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$31
Fair
+14.5% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is High, so the safety margin is 40%.
Price $27
Undervalued < $19Fair $19 – $44Overvalued > $44
Excess-return (bank)
$25
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Average business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Strong
78/100
Cheap against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield13.4%
Fair value vs price1.1×
Growth
Weak
20/100
Growing slower than most of its sector.
See the numbers →
EPS growth (3y)0.3%
Profitability
Weak
39/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital13.5%
Financial health
Strong
79/100
Balance sheet looks strong: debt is well covered.
See the numbers →
Net debt / EBITDA-0.8×
Interest coverNo interest cost
Dividends
Strong
78/100
Dividend is high and well covered by cash flow.
See the numbers →
Dividend yield4.0%
Dividend growth11.2%
Quarterly results: last 6 quarters
–
Mar '25
–
Jun '25
–
Sep '25
–
Dec '25
–
Mar '26
–
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue –, diluted EPS $0.64.
Compare with peers
MTB M&T Bank Corp62 KEY Keycorp53 HBAN Huntington Bancshares...46 CFG Citizens Financial Gro...45Other Regional Banks companies by X-Ray Score.
Fundamentals checklist
● 4 Good · ● 1 Average · ● 2 BadCash quality
Earnings backed by cashBad
Risk models
Growth
EPS growth (3y)Bad
Balance sheet
Net debt / EBITDAGood
Interest coverGood
Valuation
Fair value vs priceGood
EBIT / EV yieldGood
Profitability
Return on invested capitalAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 48/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $104M | – | – | – | – |
| Operating income | $46M | $56M | $212M | $95M | $53M |
| Net income | $2.5B | $2.2B | $2.1B | $1.9B | $2.2B |
| Operating cash flow | $3.0B | $3.1B | $2.3B | $1.6B | $2.2B |
| Operating margin | 44.2% | – | – | – | – |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $2.49 | $2.28 | $2.11 | $1.93 | $2.30 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bearish
4 bullish · 4 neutral · 8 bearish
Weekly
Bearish
4 bullish · 1 neutral · 7 bearish
Monthly
Bullish
5 bullish · 1 neutral · 2 bearish
Moving averages (daily)
| SMA 10 | 27.10 | Bullish |
| EMA 10 | 27.21 | Bullish |
| SMA 20 | 27.24 | Bullish |
| EMA 20 | 27.51 | Bearish |
| SMA 50 | 29.03 | Bearish |
| EMA 50 | 28.43 | Bearish |
| SMA 100 | 29.33 | Bearish |
| EMA 100 | 28.66 | Bearish |
| SMA 200 | 28.24 | Bearish |
| EMA 200 | 27.95 | Bearish |
Oscillators (daily)
| RSI (14) | 44.62 | Neutral |
| MACD (12, 26) | -0.51 | Bearish |
| Momentum (12) | 2.12 | Bullish |
| Stochastic %K (14) | 64.85 | Neutral |
| Williams %R (14) | -35.15 | Neutral |
| CCI (20) | 70.91 | Neutral |
Pivot points (classic, last session)
S3 26.10 | S2 26.66 | S1 27.05 | Pivot 27.61 | R1 28.00 | R2 28.56 | R3 28.95 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.10 USD
Yield on today's price
3.99%
Frequency
Quarterly
Next ex-dividend date
1 Dec 2026
| Ex-dividend date | Amount per share |
|---|---|
| 1 Dec 2026 (upcoming) | 0.3000 |
| 1 Sep 2026 | 0.3000 |
| 1 Jun 2026 | 0.2650 |
| 2 Mar 2026 | 0.2650 |
| 1 Dec 2025 | 0.2650 |
| 2 Sep 2025 | 0.2650 |
| 2 Jun 2025 | 0.2500 |
| 3 Mar 2025 | 0.2500 |
| 2 Dec 2024 | 0.2500 |
| 3 Sep 2024 | 0.2500 |
| 3 Jun 2024 | 0.2400 |
| 29 Feb 2024 | 0.2400 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
RF SEC filings
16 Oct 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
11 Aug 2026
8-KSEC EDGAR
Director or officer change; Regulation FD disclosure
7 Aug 2026
8-KSEC EDGAR
Regulation FD disclosure
6 Aug 2026
10-QSEC EDGAR
Quarterly report
17 Jul 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
11 May 2026
8-KSEC EDGAR
Regulation FD disclosure
11 May 2026
8-KSEC EDGAR
Shareholder vote results
7 May 2026
10-QSEC EDGAR
Quarterly report
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.