RF Financial Services

Regions Financial Corporation

$28.60-1.28%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 24.4B USD
Full-time employees: 20,003

Overall health

About average: profitability, growth and valuation

Ranks #345 of 791 banks & insurance companies (top 44%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

More volatile share price. Beta 1.00: tends to move more than the market.
Regions Financial's shares have swung more with the market than most peers' (beta 1.00, above the market's 1.0).

StockQuotient Score

54/ 100▼ 1 since Oct 27 close

Oct 5 57 → Nov 4 54 (-3)

Valuation

Is the price right?

59/100

Moderate▼ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last year: ▲ Stronger

Share count down 10.6%

Valuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 60 → 59

Share price +0.4%-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Helped by:

▲ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield77.3%

SEC filings · latest balance sheetReported value40% base weight · Z-score -0.08Sector median: 0.7950 · MAD: 0.2843

Earnings yield9.2%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.50Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yield0.7%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield6.8%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

46/100

Moderate

1/1 inputs reported · High confidence

Since last year: ▲ Stronger

12-month revenue up 23.8%

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth12.6%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score -0.19Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth1.7%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth6.3%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

58/100

Moderate

2/2 inputs reported · High confidence

Since last year: No major change

Why

Helped by:

▲ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.4%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.34Sector median: 0.0117 · MAD: 0.0062

Return on equity11.8%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.28Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Regions Financial

Is Regions Financial getting weaker?: Its latest SEC filing (Aug 6, 2026) got stronger: share count down 10.6%; debt up 211%, still less than its cash. Its overall score is 54/100, down 1 since Oct 28, 2026.
How is Regions Financial valued vs its peers?: Priced about in line with its peers. Valuation scores 59/100 against 950 banks & insurance peers. Earnings yield 9.2% vs a peer median of 7.9% (stronger than 64% of peers).Earnings yield 9.2% vs peers 7.9% (stronger than 64% of peers).
Is Regions Financial growing?: At about the same pace as its peers. Growth scores 46/100 against 950 banks & insurance peers.
How profitable is Regions Financial?: About as profitable as its peers. Profitability scores 58/100 against 950 banks & insurance peers. Return on assets 1.4% vs a peer median of 1.2% (stronger than 63% of peers).Return on assets 1.4% vs peers 1.2% (stronger than 63% of peers).
How risky is Regions Financial?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Year ended Dec 31, 2021 · filed Aug 6, 2026 · compared with the year ended Dec 31, 2020

Got stronger

Share count down 10.6%
Debt up 211%, still less than its cash

	Previous year	Latest year	Change
Revenue (12 months)	84.0M USD	104.0M USD	+23.8%
Net income (12 months)	2.7B USD	2.2B USD	−17.3%
Free cash flow (12 months)	2.2B USD	1.7B USD	−23.3%
Debt	2.5B USD	7.6B USD	+211.2%
Cash	27.5B USD	9.9B USD	−63.9%
Shares outstanding	953.3M	851.9M	−10.6%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	44.2%	—	—	—	—	—
Net margin	2424.0%	—	—	—	—	—
Return on assets (ROA)	1.5%	1.4%	1.4%	1.2%	1.4%	▲ 0.2 pts
Return on equity (ROE)	13.8%	14.1%	11.9%	10.6%	11.3%	▲ 0.7 pts
Debt to equity	0.13×	0.14×	0.13×	0.36×	0.26×	▼ 29%
Interest coverage	0.28×	0.18×	0.13×	0.04×	0.03×	▼ 39%

RF price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

About average: profitability, growth and valuation

Ranks #345 of 791 banks & insurance companies (top 44%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Regions Financial

Is Regions Financial getting weaker?

Its latest SEC filing (Aug 6, 2026) got stronger: share count down 10.6%; debt up 211%, still less than its cash. Its overall score is 54/100, down 1 since Oct 28, 2026.

How is Regions Financial valued vs its peers?

Priced about in line with its peers. Valuation scores 59/100 against 950 banks & insurance peers. Earnings yield 9.2% vs a peer median of 7.9% (stronger than 64% of peers).Earnings yield 9.2% vs peers 7.9% (stronger than 64% of peers).

Is Regions Financial growing?

At about the same pace as its peers. Growth scores 46/100 against 950 banks & insurance peers.

How profitable is Regions Financial?

About as profitable as its peers. Profitability scores 58/100 against 950 banks & insurance peers. Return on assets 1.4% vs a peer median of 1.2% (stronger than 63% of peers).Return on assets 1.4% vs peers 1.2% (stronger than 63% of peers).

How risky is Regions Financial?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous year

Latest year

Change

Revenue (12 months)

84.0M USD

104.0M USD

+23.8%

Net income (12 months)

2.7B USD

2.2B USD

−17.3%

Free cash flow (12 months)

2.2B USD

1.7B USD

−23.3%

Debt

2.5B USD

7.6B USD

+211.2%

Cash

27.5B USD

9.9B USD

−63.9%

Shares outstanding

953.3M

851.9M

−10.6%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

44.2%

—

Net margin

2424.0%

—

Return on assets (ROA)

1.5%

1.4%

1.2%

1.4%

▲ 0.2 pts

Return on equity (ROE)

13.8%

14.1%

11.9%

10.6%

11.3%

▲ 0.7 pts

Debt to equity

0.13×

0.14×

0.13×

0.36×

0.26×

▼ 29%

Interest coverage

0.28×

0.18×

0.13×

0.04×

0.03×

▼ 39%