Regions Financial (RF) AI Stock Analysis

• Market Cap: $21.48B
• Dividend Yield: 4.22%
• Average Volume (3M): 32.36M
• Price to Earnings (P/E): 10.7
• Beta (1Y): 1.22
• Revenue Growth: 4.28%
• EPS Growth: 28.54%
• Country: US
• Employees: 19,644
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.63
• Shares Outstanding: 892,308,350
• 10 Day Avg. Volume: 50,996,051
• 30 Day Avg. Volume: 32,360,214
• PEG Ratio: -1.41
• Price to Book (P/B): 1.21
• Price to Sales (P/S): 2.30
• P/FCF Ratio: 14.84
• Enterprise Value/Market Cap: 1.30
• Enterprise Value/Revenue: 2.94
• Enterprise Value/Gross Profit: 4.11
• Enterprise Value/Ebitda: 10.42
• 1Y Price Target: $29.17
• Price Target Upside: 20.54% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 15

• Rating: 73 Outperform
• Price Target: $28.00 ▲(15.70% Upside)

Regions Financial's overall stock score is driven by strong earnings performance and attractive valuation metrics. The financial health of the company is solid, with efficient cost management and robust cash flow generation. However, technical indicators suggest a bearish trend, which slightly offsets the positive financial and valuation aspects.

Positive Factors

Strong Revenue Growth

Consistent revenue growth indicates the company's ability to expand its market presence and effectively monetize its services, supporting long-term financial stability.

Wealth Management Success

Record performance in Wealth Management suggests strong client engagement and effective service offerings, enhancing the company's revenue diversification and resilience.

Deposit Growth and Market Share

Strong deposit growth and market share gains reflect the company's competitive position and customer trust, contributing to a stable funding base and growth potential.

Negative Factors

Loan Growth Challenges

Stagnant loan growth and declining balances may limit future interest income, impacting long-term revenue potential and necessitating strategic adjustments.

Elevated Charge-offs

Rising charge-offs, especially in specific sectors, could indicate deteriorating credit quality, posing risks to profitability and asset quality over time.

Expense Increase

Rising expenses, particularly in salaries and benefits, may pressure margins and reduce operational efficiency, affecting long-term profitability if not managed effectively.

Regions Financial Business Overview & Revenue Model

Company Description

Regions Financial Corporation (RF) is a leading regional bank headquartered in Birmingham, Alabama, providing a wide range of financial services. The company operates through various segments, including Retail Banking, Corporate Banking, Wealth Management, and Mortgage Banking. Regions offers products such as checking and savings accounts, loans, credit cards, investment services, and treasury management, catering to individual, corporate, and institutional clients across the southeastern United States.

How the Company Makes Money

Regions Financial generates revenue primarily through interest income from loans and fees associated with its banking services. The bank earns interest income by lending to consumers and businesses, with personal loans, mortgages, and commercial loans being significant contributors. Additionally, Regions charges fees for various services, including account maintenance, ATM usage, and transaction processing. The Wealth Management segment adds another layer of revenue through investment advisory fees and asset management. Regions also engages in capital markets activities, providing underwriting and advisory services which contribute to its earnings. The company's strategic partnerships with fintech firms and investment platforms enhance its service offerings and broaden its customer base, further supporting its revenue growth.

Regions Financial Financial Statement Overview

Summary

Regions Financial demonstrates solid financial health with strong revenue growth and efficient cost management. The balance sheet shows improved leverage and a stable capital structure. Cash flow generation is robust, although there are minor concerns regarding the alignment of operating cash flow with net income.

Income Statement

Regions Financial shows a strong revenue growth trajectory with a TTM revenue growth rate of 1.31%. The gross profit margin remains robust at 71.51%, indicating efficient cost management. However, the net profit margin has slightly decreased to 21.81% from previous highs, suggesting some pressure on net income. EBIT and EBITDA margins are healthy, reflecting solid operational performance.

Balance Sheet

The balance sheet is stable with a manageable debt-to-equity ratio of 0.28 in the TTM period, down from previous years, indicating improved leverage management. Return on equity is moderate at 11.26%, showing decent profitability relative to equity. The equity ratio remains strong, suggesting a solid capital structure.

Cash Flow

Cash flow metrics are positive, with a significant free cash flow growth rate of 18.11% in the TTM period, indicating improved cash generation. The operating cash flow to net income ratio is low, which could suggest some discrepancies between earnings and cash flow. However, the free cash flow to net income ratio is high at 98.54%, indicating strong cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	9.52B	9.37B	9.15B	7.48B	6.60B	6.64B
Gross Profit	6.81B	6.60B	7.02B	6.89B	6.96B	4.95B
EBITDA	2.69B	2.50B	2.84B	3.23B	3.59B	1.74B
Net Income	2.08B	1.89B	2.07B	2.25B	2.52B	1.09B
Balance Sheet
Total Assets	159.21B	157.30B	152.19B	155.22B	162.94B	147.39B
Cash, Cash Equivalents and Short-Term Investments	34.79B	34.16B	34.91B	39.16B	57.89B	45.11B
Total Debt	5.28B	6.49B	2.33B	2.28B	2.41B	3.57B
Total Liabilities	140.50B	139.39B	134.70B	139.27B	144.61B	129.28B
Stockholders Equity	18.67B	17.88B	17.43B	15.95B	18.33B	18.11B
Cash Flow
Free Cash Flow	2.64B	1.45B	2.15B	2.81B	2.96B	2.27B
Operating Cash Flow	2.68B	1.60B	2.31B	3.10B	3.03B	2.32B
Investing Cash Flow	-1.98B	-262.00M	-1.61B	-12.94B	-2.87B	-4.85B
Financing Cash Flow	2.00B	2.58B	-5.13B	-8.35B	11.29B	16.37B

Regions Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 24.20
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RF, the sentiment is Negative. The current price of 24.2 is below the 20-day moving average (MA) of 24.61, below the 50-day MA of 25.91, and above the 200-day MA of 23.30, indicating a neutral trend. The MACD of -0.50 indicates Negative momentum. The RSI at 41.47 is Neutral, neither overbought nor oversold. The STOCH value of 65.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RF.

Regions Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HBAN	―	$23.99B	10.65	10.37%	3.91%	5.73%	38.39%
RF	―	$21.48B	10.69	11.43%	4.22%	4.28%	28.54%
FITB	―	$27.77B	12.49	11.52%	3.60%	-1.74%	11.62%
FCNCA	―	$22.85B	10.56	10.38%	0.45%	-3.18%	-3.10%
CFG	―	$21.81B	14.15	6.71%	3.41%	-3.70%	40.62%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KEY	―	$19.20B	21.42	5.82%	4.68%	3.97%	5473.29%

Regions Financial Corporate Events

Regions Financial Corp. Reports Strong Earnings Amid Challenges

Regions Financial Corp. recently held its earnings call, revealing a generally positive sentiment with strong quarterly earnings and record performances in wealth management and capital markets. Despite these achievements, the company acknowledged challenges in loan growth and elevated charge-offs in specific sectors. However, Regions Financial remains optimistic about maintaining positive momentum into 2026.

Regions Financial Corp. Reports Strong Q3 2025 Results

Regions Financial Corp., a prominent member of the S&P 500 Index, is a leading provider of consumer and commercial banking, wealth management, and mortgage services across the Southern, Midwestern, and Texan regions of the United States. With approximately 1,250 banking offices and over 1,850 ATMs, Regions Bank, its subsidiary, offers a comprehensive range of financial products and services.

Regions Financial Reports Strong Q3 2025 Earnings

On October 17, 2025, Regions Financial Corp. reported its third-quarter earnings for 2025, showcasing a solid performance with $548 million in earnings and a 7% year-over-year revenue growth to $1.9 billion. The company achieved new records in wealth and capital markets performance, with adjusted earnings rising by 8% and adjusted EPS increasing by 11%. Regions also maintained robust capital levels and a low-cost deposit base, supporting its strategic initiatives and positioning it for continued success in the financial sector.

The most recent analyst rating on (RF) stock is a Buy with a $28.00 price target. To see the full list of analyst forecasts on Regions Financial stock, see the RF Stock Forecast page.

Regions Financial to Present Strategic Priorities to Investors

Regions Financial Corporation announced that its executives will present the company’s operations and performance to institutional investors during August and September 2025. The presentations will highlight Regions’ strategic priorities, including diversified revenue streams, disciplined expense management, and robust capital management. The company has demonstrated strong growth in loans and deposits, as well as a leading shareholder return, positioning it well for future economic conditions. These efforts underscore Regions’ commitment to maintaining a strong financial position and delivering value to shareholders.

The most recent analyst rating on (RF) stock is a Buy with a $29.00 price target. To see the full list of analyst forecasts on Regions Financial stock, see the RF Stock Forecast page.