Regions Financial Corporation
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Range $28 – $36
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About the company
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.
- CEO
- John Turner Jr.
- IPO
- 1980
- Employees
- 20,003
- HQ
- Birmingham, AL, US
AI snapshot
Six angles, distilled from the data.
The stock is in a corrective phase after a strong multi-month run, trading below both the 200-day and 50-day moving averages. It sits well off the 52-week high and closer to the middle of its yearly range, which points to a rebuilding setup rather than a breakout trend.
Street sentiment is cautious-to-neutral: consensus sits at Hold, with 21 Buys, 27 Holds, and 4 Sells. The target cluster has drifted lower recently, with Truist cutting to $31 from $34 and Deutsche Bank downgrading to Hold, even as the broader target range still centers above the market.
Earnings momentum has been solid, with 6 beats in the last 7 quarters and the most recent quarter topping estimates by 6.3%. Next-year EPS estimates continue to rise to 2.8442 from 2.63827 for 2026, so shareholders should watch whether loan growth and margin discipline keep the beat streak intact.
The pattern is mixed but not aggressively bearish. One small discretionary sale from the CFO stands out, while most recent activity is awards, exempt transactions, or vesting-related flows that look routine rather than conviction-driven.
Profitability remains healthy, with a 30.84% net margin, 11.87% ROE, and 3.4% revenue growth. The balance sheet is strong, with $38.47 billion in cash and equivalents versus $4.88 billion of total debt, leaving a large net cash position.
RF screens as a solid regional bank with better-than-average profitability and a valuation that still looks reasonable at 11.14x earnings. Versus peers, the setup is more about steady execution and capital strength than premium growth.
Similar companies
Peers in the same neighborhood.
- Market Cap
- $23.10B
- P/E
- 10.92
- Fwd P/E
- 10.25
- PEG
- 0.71
- P/S
- 2.41
- P/B
- 1.23
- EV/EBITDA
- 7.14
- Div Yield
- 4.05%
- Gross Margin
- 76.85%
- Op Margin
- 29.77%
- Net Margin
- 23.33%
- ROE
- 11.79%
- ROIC
- 7.30%
Latest fiscal year · YoY change
- Revenue
- $9.61B+2.5%
- Gross Profit
- $7.17B+8.7%
- Op Income
- $2.74B
- Net Income
- $2.16B+13.9%
- EPS
- $2.31+19.1%
- OCF Growth
- +36.5%
- FCF Growth
- +48.1%
- 52W High
- $32.47
- 52W Low
- $22.70
- 50D MA
- $29.96
- 200D MA
- $28.70
- Beta
- 1.00
- RSI (14)
- 28
- Avg Volume
- 8.93M
Earnings call summaries
Pick a quarter — each call distilled into takeaways, results, and a bull vs bear read.
Regions reported solid second-quarter results with better credit, steady deposit costs, and strong progress on strategic initiatives, while maintaining upbeat full-year guidance.· July 17, 2026
- Adjusted EPS was $0.68 and adjusted earnings were $583 million; adjusted pretax pre-provision income was $831 million and adjusted ROTCE was 20%.
- Average loans rose about 2% in the quarter and ending loans grew 1%, with loan pipelines up roughly 15% from a year ago.
- Net interest income increased 2% linked quarter, NIM was 3.66%, and management expects third-quarter NII to rise about 2% and NIM to exit the year around 3.7%.
- Credit improved: annualized net charge-offs fell to 42 bps, criticized loans and nonperforming loans declined, and the allowance ratio moved to 1.63%.
- Fee income was helped by a record quarter in wealth management income, while management said capital markets remains pressured by rates but should improve over time.
Regions reported earnings of $549 million, or $0.64 per share; on an adjusted basis, earnings were $583 million, or $0.68 per share. Adjusted pretax pre-provision income was $831 million and adjusted return on tangible common equity was 20%. Average loans increased approximately 2% and ending loans grew 1%; average deposits increased modestly and ending deposits declined approximately 1%. Net interest income increased 2% linked quarter and net interest margin was 3.66%; interest-bearing deposit costs fell 3 basis points to 1.69%. Adjusted noninterest income increased 7% linked quarter and adjusted noninterest expense increased 4%. Annualized net charge-offs were 42 basis points, the allowance for credit losses ratio was 1.63%, CET1 was 10.7% estimated and about 9.5% including AOCI, and the company repurchased $59 million of stock and paid $226 million of common dividends. Guidance: full-year average loan growth is expected to be up low single digits, 2026 average deposits up low single digits, adjusted NII growth 2.5% to 4%, adjusted noninterest income growth 3% to 5% with results trending to the lower end, adjusted noninterest expense up 1.5% to 3.5%, net charge-offs 40 to 50 basis points, and NIM exiting the year at approximately 3.7%.
John Turner said the quarter reflected disciplined execution and the benefits of investments to position Regions for sound, profitable growth. He described the operating backdrop as constructive, with solid economic activity, healthy consumer spending, strong pipelines, and improving credit. He also emphasized strategic progress in digital banking, commercial lending modernization, deposit transformation, wealth management, and the planned Frazer Lanier acquisition to expand capital markets capabilities.
Anil Chadha highlighted balance-sheet growth, saying average loans rose about 2%, pipelines were up roughly 15% year over year, and average deposits were modestly higher with noninterest-bearing deposits in the low 30% range. He pointed to a 3.66% net interest margin, 1.69% interest-bearing deposit costs, and a 37% deposit beta over the falling-rate cycle, while guiding to roughly stable deposit costs if the Fed holds steady. He also cited improved credit metrics, including 42 basis points of net charge-offs, a 1.63% allowance ratio, CET1 at 10.7% and about 9.5% including AOCI, plus capital returns of $59 million of buybacks, $226 million of dividends, and a new quarterly dividend of $0.30 per share.
Analysts focused on whether softer fee trends and higher loan growth could still allow positive operating leverage, and management said yes, pointing to the full-year revenue and expense guides and stronger second-half comparables. Questions also centered on deposit competition, funding loan growth, and whether a rate hike would change betas; management said deposit pricing pressure has been consistent for 12 to 18 months, the CD book is repricing in a way that should keep deposit costs roughly flat, and any short-term loan-funding gaps would be met with other funding sources rather than expensive promotional deposits. Analysts pressed on credit quality, especially multifamily and AI-related second-order risks; management said credit is largely normalized, multifamily softness is limited to a few Texas markets, and they are actively stress-testing interconnected exposures across sectors.
The bull case from this call is that Regions is growing loans, keeping deposit costs controlled, and still seeing improving credit. Management also sounded confident that margin can expand toward 3.7% by year-end, while wealth management and treasury management continue to produce record or strong results.
The main risks discussed were a tougher fee environment in capital markets, ongoing deposit competition, and some softness in multifamily in a few Texas markets. Management also acknowledged uncertainty around the macro backdrop, the timing of loan growth versus deposits, and longer-term capital implications from Basel III and rating-agency discussions.
AI summary of the company's earnings call · Paraphrased · Not investment advice
- Free Float
- 99.5%
- Shares Outstanding
- 853.38M
- Float Shares
- 849.00M
of shares held by institutions
1,120 13F filers
Buy/sell ratio 3.00. Sells can include pre-scheduled 10b5-1 plan sales, not just discretionary selling.
Congressional trading
Senate and House stock disclosures for RF, newest first.
| Member | Type | Traded | |
|---|---|---|---|
| Neal Patrick DunnHouse · FL02 | Sell | May 11, 26 | Filing → |
| Lisa C. McClainHouse · MI09 | Sell | Oct 30, 25 | Filing → |
| Lisa C. McClainHouse · MI09 | Sell | Oct 31, 25 | Filing → |
| Lisa C. McClainHouse · MI09 | Buy | Oct 30, 25 | Filing → |
| Lisa C. McClainHouse · MI09 | Buy | Jun 17, 25 | Filing → |
| French HillHouse · AR02 | Sell | Jun 23, 25 | Filing → |
| Neal Patrick DunnHouse · FL02 | Buy | Nov 6, 24 | Filing → |
| Neal Patrick DunnHouse · FL02 | Buy | Sep 27, 24 | Filing → |
| Ro KhannaHouse · CA17 | Buy | Sep 9, 24 | Filing → |
| Ro KhannaHouse · CA17 | Sell | Feb 5, 24 | Filing → |
| Ro KhannaHouse · CA17 | Sell | Feb 6, 24 | Filing → |
| Ro KhannaHouse · CA17 | Sell | Feb 7, 24 | Filing → |
| Thomas Hawley TubervilleSenate · AL | Sell | Dec 26, 23 | Filing → |
| Ro KhannaHouse · CA17 | Sell | Nov 28, 23 | Filing → |
Source: public STOCK Act disclosures. Filed weeks after the trade — a lagging signal, not a real-time one.
Top institutional holders
Largest 13F positions, with quarter-over-quarter change.
| Holder | Shares | Δ Quarter |
|---|---|---|
| Vanguard Group Inc | 106.10M | ▼ 1.06M |
| Blackrock, Inc. | 81.33M | ▼ 891.92K |
| Vanguard Capital Management LLC | 55.72M | ▼ 440.27K |
| State Street Corp | 50.67M | ▲ 2.95M |
| Vanguard Portfolio Management LLC | 39.84M | ▼ 279.67K |
| Sixth Street Partners Management Company, L.P. | 27.77M | ▲ 27.77M |
| Charles Schwab Investment Management Inc | 27.77M | ▲ 2.20M |
| Geode Capital Management, LLC | 24.13M | ▲ 40.95K |
| Wellington Management Group Llp | 20.99M | ▼ 15.14M |
| Invesco Ltd. | 18.59M | ▲ 720.58K |
| First Trust Advisors LP | 18.54M | ▲ 5.19M |
| Jpmorgan Chase & Co | 17.98M | ▼ 36.85K |
Held by 1,792 ETFs
Biggest fund positions in RF by dollar value.
Recent insider transactions
Who's buying, who's selling, and how much.
| Date | Insider | Type | Shares |
|---|---|---|---|
| Sep 10, 26 | Chadha Anil D | sell | 0.771 |
| Sep 1, 26 | Jordan John T. | other | 0 |
| Sep 1, 26 | Jordan John T. | other | 35,783.985 |
| Jul 15, 26 | VINES TIMOTHY | other | 992.694 |
| Jul 15, 26 | STYSLINGER LEE J III | other | 992.694 |
| Jul 15, 26 | Crosswhite Mark A. | other | 992.694 |
| Jul 15, 26 | Hill J Thomas | other | 1,111.817 |
| Jul 15, 26 | MARSHALL RUTH ANN | other | 1,707.433 |
| Jul 1, 26 | Santone Angela R. | other | 28,411 |
| Jul 1, 26 | Santone Angela R. | other | 28,411 |
A “Sell” may be a pre-scheduled 10b5-1 plan sale rather than a discretionary decision — read insider selling with that in mind.
Our RF coverage
Recent articles, reports, and earnings notes.

Regions Financial (RF): Steady Earnings Growth Near Fair Value
Regions Financial is a solid regional bank with improving earnings, disciplined lending, and steady fee growth. The stock looks fairly valued, making it more appealing for patient income-and-value investors than for aggressive growth buyers.

Regional banks are not a blanket buy in a weakening consumer
Regional banks have real momentum in lending and fee income, but a softer consumer could expose credit and commercial-real-estate risks. The better trade is selective ownership of diversified lenders, not an automatic buy of the broad KRE basket.

Regions Financial Corporation (RF) slips after earnings beat
Regions Financial Corporation (RF) beat Q2 estimates, but the stock slips as investors weigh valuation, modest revenue trends, and the durability of second-half growth. This deep-dive examines net interest income, margin expansion, guidance, credit quality, and why a solid quarter still wasn’t enough to lift sentiment.
Want a deeper read on RF?
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Regions Financial Eyes 150 New Branches as Deposit Strength Supports Growth
marketbeat.com · Sep 20
Headlines from third-party outlets — TickerSpark isn't affiliated with these sources.
AI analysis · Last refreshed October 2, 2026 · Live quote · Not investment advice