StockCV
Regions Financial Corp. logo

Regions Financial Corp.

National Commercial Banks

$27.03
-0.15%
Market cap $23.0B

Regions Financial is one of the midsized regional banks in the US, with around $160 billion in total assets as of the end of first quarter of 2026. Headquartered in Birmingham, Alabama, Regions Financial has a footprint mostly in the US Southeast.

It is a $23.0B financial services company. Revenue grew 0.5% over the last year, and it keeps 23¢ of every dollar of sales as profit. It trades at 10.3× earnings — around the middle of its own history.

Location
Birmingham, AL
Employees
19 969
Sector
Financial Services
Next earnings
Oct 16, 2026 · in 4d

Skills

Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.

Valuation67Growth37Profitability74Health28Quality67Moat25

Growth, Health and Moat lag behind.

Valuation67
  • P/E vs own history60th pct · 12/25
  • FCF yield7.7% · 20/25
  • P/S1.9x · 25/25
  • EV/EBITDAn/a · 10/25
Growth37
  • Revenue CAGR9.8% · 12/25
  • Net income CAGR-3.8% · 0/25
  • EPS CAGR ~5Y16.2% · 20/25
  • Fwd implied growth0.8% · 5/25
Profitability74
  • ROIC9.0% · 12/25
  • ROE11.8% · 12/25
  • Net margin23.3% · 25/25
  • Operating margin38.7% · 25/25
Health28
  • Altman Z0.12 · 3/25
  • Current ration/a · 0/25
  • Interest coverageno interest expense · 25/25
  • Net cash / debtn/a · 0/25
Quality67
  • Piotroski F7/9 · 22/25
  • Beneish M-2.37 · 20/25
  • FCF conversionn/a · 0/25
  • Margin stabilityσ 3.0% · 25/25
Moat25
  • ROIC >12% years0/5 yrs · 0/25
  • Median gross marginn/a · 0/25
  • FCF-positive yearsn/a · 0/25
  • Worst-year net marginworst 16.4% · 25/25

How the scores work →

Experience

The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.

  1. FY2021Financial
    Best year on record
    $2.52B net income
  2. 2021Acquisition
    Regions announced they would acquire home improvement lender EnerBank USA for $960 million
  3. FY2016Financial
    Profitable every year on record
    10 consecutive profitable years in our data
  4. FY2016Financial
    Revenue already above $1B
    $5.97B in first reported year
  5. FY2016Financial
    Positive free cash flow every year since
    10-year streak
  6. 2006Acquisition
    Regions acquired AmSouth Bancorporation, another Birmingham-based bank, in a $10 billion transaction
  7. Jan 24, 2004Acquisition
    Regions merged with Memphis, Tennessee–based Union Planters Bank in a $5.9 billion transaction
  8. 2002Acquisition
    Regions acquired Independence Bank for approximately $24 million in cash
  9. 2001Acquisition
    Regions acquired Rebsamen Insurance Company, which was renamed Regions Insurance Group
  10. 1998Acquisition
    The name "Regions" was purchased from First Commercial Corporation, the Arkansas Bank that Regions subsequently…
  11. 1994Milestone
    To reflect its growth into a regional company, First Alabama Bankshares changed its name to Regions…
  12. 1985Acquisition
    Until their formal merger in March 1985, under revised banking regulations, the banks continued to operate…

Achievements

Verifiable track record, straight from the reported numbers.

$10 000 invested in 2021 would be worth ~$13 897 today — price return only
$9.6B revenue in FY2025
Profitable 10 years in a row
Positive free cash flow 10 years in a row
19 969 employees

Strengths & watch-outs

What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.

Strengths

  • Strongly profitable — 23.3% net margin
  • Strong cash conversion — FCF is 18.6% of revenue
  • Piotroski F-Score 7/9 — fundamentally strong checklist

Watch-outs

  • Altman Z-Score 0.12 — elevated financial-distress risk

Qualifications

The basics a company should meet before you research it further. Each check uses the reported numbers.

9 of 10 checks passed
  • Revenue growing+0.5% YoY
  • Profitable$2.23B TTM
  • Profit growing+0.3% YoY
  • Generates cash$1.78B TTM
  • Debt under controlno data
  • Established company$23.0B market cap
  • Not printing shares-6.9% shares over ~5y
  • Proven track record10/10 profitable years
  • Financially stableAltman Z 0.1 — distress
  • Pays a dividendyield 4.34%
  • Valuation not extremeP/E 10.3
Peer comparisonRegions Financial Corp. vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾
CompanyMarket capP/ERevenue growthNet marginProfile
RF this company$23.0B10.3+0.5%23.3%Mixed
BRK.A Berkshire Hathaway Inc.$1.1T11.6+3.9%22.3%Mixed
BRK.B Berkshire Hathaway$1.1T11.6+0.0%18.0%Strong
JPM JPMorgan Chase & Co.$886.2B13.6+13.5%32.6%Strained
V VISA Inc.$723.9B31.9+14.4%50.8%Solid
MA Mastercard Incorporated$516.4B31.7+16.0%46.3%Mixed
BAC Bank of America Corporation$380.4B11.3+15.9%27.8%Mixed

Head-to-head: RF vs BRK.A · RF vs BRK.B · RF vs JPM

References

What covering analysts publish about the company — information only, not a recommendation.

Strong buy 5Buy 8Hold 13Sell 3Strong sell 1

Appendix · Financial records

The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.

Want the live picture — intraday moves, valuation history and full analysis?

Deeper analysis of RF on PreMarketPrice

Figures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $27.03 · market cap $23.0B.