Regions Financial (RF) Stock Overview
A financial holding company, provides various banking and related products and services to individual and corporate customers. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 1/6 |
| Past Performance | 3/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for RF from our risk checks.
RF Community Fair Values
Create NarrativeSee what 59 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Regions Financial Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$31.66 |
| 52 Week High | US$32.47 |
| 52 Week Low | US$22.70 |
| Beta | 1.01 |
| 1 Month Change | 2.39% |
| 3 Month Change | 18.75% |
| 1 Year Change | 21.54% |
| 3 Year Change | 61.53% |
| 5 Year Change | 60.96% |
| Change since IPO | 1,164.09% |
Recent News & Updates
Seeking Alpha • Aug 03
How To Keep Outperforming The Market: Buy Regions Financial
Summary Regions Financial Corporation (RF) has outperformed the market YTD, delivering nearly double the market's total return and strong dividend growth. RF maintains a conservative 75.9% loan-to-deposit ratio and a low 0.67% non-performing loan percentage, indicating robust asset quality. Management prioritizes organic growth, dividends, and opportunistic buybacks, recently announcing a 13.2% dividend hike and signaling increased repurchases. Trading near its 10-year average PE, RF offers attractive projected total returns of 12.6% annually through 2031, supported by quality fundamentals. Read the full article on Seeking Alpha
Narrative Update • Jul 22
RF: Fair View Weighs NIM Outlook Against Revenue And Competitive Pressures
Analysts have modestly lifted the fair value estimate for Regions Financial, with the updated target of $32.90. This reflects a series of Street price target increases into the low to mid $30s that cite revenue growth expectations, net interest margin outlook and capital flexibility as key supports.Recent updates
Seeking Alpha • Aug 03
How To Keep Outperforming The Market: Buy Regions Financial
Summary Regions Financial Corporation (RF) has outperformed the market YTD, delivering nearly double the market's total return and strong dividend growth. RF maintains a conservative 75.9% loan-to-deposit ratio and a low 0.67% non-performing loan percentage, indicating robust asset quality. Management prioritizes organic growth, dividends, and opportunistic buybacks, recently announcing a 13.2% dividend hike and signaling increased repurchases. Trading near its 10-year average PE, RF offers attractive projected total returns of 12.6% annually through 2031, supported by quality fundamentals. Read the full article on Seeking AlphaNarrative Update • Jul 22
RF: Fair View Weighs NIM Outlook Against Revenue And Competitive Pressures
Analysts have modestly lifted the fair value estimate for Regions Financial, with the updated target of $32.90. This reflects a series of Street price target increases into the low to mid $30s that cite revenue growth expectations, net interest margin outlook and capital flexibility as key supports.Narrative Update • Jul 07
RF: Fair View Balances Higher Street Expectations With Revenue And Credit Risks
Analysts have lifted the average price target for Regions Financial to about $31.67 from roughly $30.75, citing updated assumptions for modestly higher revenue, slightly stronger profit margins, a higher future P/E multiple, and a series of recent price target increases across the Street. Analyst Commentary Recent research on Regions Financial highlights a mix of optimism and caution, with several firms adjusting price targets while reassessing risks around revenue trends, competition, and valuation.Narrative Update • Jun 22
RF: Split Street Views And Credit Costs Will Shape Future Risk Reward
Regions Financial's analyst price target has been nudged higher by a few dollars. The change reflects updated views that blend modestly adjusted fair value estimates, slightly different revenue growth and profit margin assumptions, and a revised forward P/E outlook cited by recent research from both raising and lowering analysts.Narrative Update • Jun 07
RF: Mixed Street Views And Margin Trends Will Shape Future Risk Reward
Analysts have nudged the fair value estimate for Regions Financial higher to $30.73 from $30.69, reflecting modest tweaks to long term revenue growth, profit margin assumptions, and the future P/E multiple following a mix of recent price target raises and cuts across the Street. Analyst Commentary Recent research on Regions Financial reflects a mix of optimism and caution, with several firms adjusting their price targets in both directions.Narrative Update • May 23
RF: Mixed Price Views And Governance Shifts Will Shape Future Risk Reward
Analysts have nudged the average price target for Regions Financial higher by a few dollars per share. This reflects updated views on slightly higher discount rates, modestly adjusted growth and margin assumptions, and a higher future P/E multiple.Narrative Update • Apr 25
RF: Mixed P/E Views And Governance Reforms Will Shape Future Risk Reward
Analysts have nudged their price targets on Regions Financial higher, with the updated fair value estimate moving from about $29.97 to $30.69, citing revised assumptions around revenue growth, profitability and a lower future P/E multiple. Analyst Commentary Recent Street research on Regions Financial has been mixed, with several firms lifting their price targets while others have trimmed theirs.Narrative Update • Apr 10
RF: Credit Trends, Buybacks And Governance Changes Will Shape Future Risk Reward
Analysts have nudged their blended price target for Regions Financial down by about $0.75, reflecting slightly lower revenue growth assumptions and a modestly reduced forward P/E, even as projected profit margins edge higher. Analyst Commentary Recent Street research on Regions Financial shows a cluster of price target reductions alongside a smaller group of upward revisions, pointing to a mixed but engaged analyst view on valuation, execution and growth prospects.Narrative Update • Mar 27
RF: Credit Trends And Buybacks Will Drive Future Upside Potential
The updated analyst price target for Regions Financial now stands at about $30.72. This reflects a fine-tuned outlook as analysts balance recent target increases from firms like JPMorgan, UBS, Piper Sandler and Goldman Sachs with more cautious moves including target cuts and downgrades tied to valuation, guidance and credit risk.Narrative Update • Mar 12
RF: Credit Costs And Buybacks Will Shape Future Upside Balance
Analysts have nudged their average price target on Regions Financial modestly higher, with moves such as $2 to $2.50 target increases at several firms, partly offset by a $1 trim elsewhere, reflecting a mixed but generally constructive view on valuation, credit risk, and earnings power. Analyst Commentary Recent research on Regions Financial has become more divided, with some firms lifting price targets while others shift to more cautious ratings.Narrative Update • Feb 25
RF: Buybacks, Credit Costs And Mixed Rating Moves Will Shape Future Balance
Analysts have nudged their average price target on Regions Financial higher, with the model fair value estimate moving from about $30.66 to $30.94 as they factor in slightly stronger expected revenue growth, a modest adjustment to future P/E assumptions, and updated views from both recent target hikes and downgrades across the Street. Analyst Commentary Recent Street research on Regions Financial shows a mix of optimism around long term fundamentals and caution around nearer term execution and credit trends.Narrative Update • Feb 10
RF: Buybacks, Credit Costs And Mixed Rating Moves Will Shape Future Balance
Analysts have raised their average price targets on Regions Financial by a few dollars, reflecting updated views around slightly higher fair value, modest tweaks to revenue growth and discount rate assumptions, as well as a small shift in expected profit margins and future P/E multiples. Analyst Commentary Recent research on Regions Financial has been mixed, with some firms lifting price targets while others have downgraded the stock or trimmed their expectations.Narrative Update • Jan 26
RF: Buybacks, Credit Costs And Guidance Reliability Will Shape Future Balance
Analysts have inched their average price target for Regions Financial higher by about US$0.10. This reflects a blend of higher individual targets from firms citing potential for improved profitability and operating leverage, and lower or more cautious targets from others focused on guidance risks, credit trends, and what they view as a relatively full valuation.Narrative Update • Jan 12
RF: Buybacks, Credit Costs And M&A Perception Will Shape Future Balance
Analysts have modestly lifted their average price target on Regions Financial to about US$30.28 from roughly US$29.12. This reflects a slightly higher fair value estimate and updated assumptions on growth, profitability, and future P/E, even as opinions remain mixed on near term catalysts and credit risk.Narrative Update • Dec 19
RF: M&A Buyer Perception And Deposit Competition Will Shape Balanced Outlook
Analysts have modestly reduced their price target for Regions Financial to $27 from $30, citing a narrower upside profile amid elevated M&A expectations for likely bank acquirers and rising competitive pressures on the company’s low cost Southeast deposit base. Analyst Commentary Analysts are parsing the implications of the rating change in the context of both valuation and strategic optionality, with views divided on how much upside remains while the bank M&A cycle is active.Narrative Update • Nov 18
RF: Net Interest Margin Improvement Will Drive Further Upside Through 2026
Analysts have modestly increased their price target for Regions Financial, raising it to $28 from $27. They cite factors such as shifting M&A dynamics, evolving competitive risks in key Southeast markets, and expectations for continued net interest margin improvement over the coming years.Narrative Update • Nov 02
RF: Loan And Deposit Expansion Will Drive Sun Belt Earnings Momentum
Analysts have lowered their price target for Regions Financial from $29.10 to $28.45, citing heightened uncertainty around M&A activity and potential risks to deposit bases in key Southeast markets. Analyst Commentary Street research on Regions Financial continues to reflect a split between optimism about the bank's fundamental prospects and caution regarding possible headwinds in the current banking environment.Narrative Update • Oct 17
Sun Belt Expansion And Digital Banking Will Secure Market Stability
Analysts have slightly lowered their average price target for Regions Financial to $29.10 from $29.14, citing tempered upside potential. The bank is viewed as an acquirer in the current M&A market and faces some risks from competitive pressures in key deposit markets.Narrative Update • Oct 03
Sun Belt Expansion And Digital Banking Will Secure Market Stability
Analysts have raised their price target for Regions Financial from $28.75 to $29.14, citing steady net interest income growth, higher projected profits, and positive fee trends. These factors support a constructive outlook on the bank's fundamentals.Narrative Update • Sep 11
Sun Belt Expansion And Digital Banking Will Secure Market Stability
Region Financial’s consensus price target saw a slight upward revision to $28.75, as analysts cited improved fundamentals, favorable macro and regulatory conditions, expected loan growth, and higher projected earnings, reflecting continued optimism toward large bank outperformance. Analyst Commentary Bullish analysts cite a constructive macro backdrop, deregulation, improved banking fundamentals, favorable sentiment, expected M&A activity, and a forecast for solid loan growth in the second half.Seeking Alpha • Apr 15
Regions Financial: Capital Is A Focus Ahead Of Q1
Summary Shares of Regions Financial have dropped 30% from their highs, erasing gains, with Q1 earnings on April 17th a critical opportunity to stabilize sentiment. Despite operating in a favorable geography, recent growth has been sluggish, with flat deposits and higher funding costs impacting net interest income and EPS. Weak deposit and loan growth, coupled with potential credit losses, pose risks to Q1 and full-year earnings, limiting upside potential. RF's capital position is weakened by unrealized losses, constraining balance sheet flexibility, making it less attractive compared to peers. Read the full article on Seeking AlphaSeeking Alpha • Feb 02
Regions Financial: Investors Can Bank On The Long-Term Prospects
Summary After earnings have declined over the last three years, Regions Financial is expected to increase profits by at least 10% over the next two. Regions Financial currently holds over $39.4 billion in non-interest-bearing deposits, which represents over 31% of its total deposit base. That percentage is significantly larger than similar accounts for its peers. The company's top strength can be found in its geographic footprint. Regions Bank has its branches in the fastest-growing areas of the US, which should provide ample growth opportunities. While I do not expect RF stock to be a short-term home run, the prospects for the next three to five years for Regions Financial appear to be promising. I give the stock a buy rating. Read the full article on Seeking AlphaSeeking Alpha • Dec 07
Regions Financial: NIM Expansion Offset By Slow Asset Growth (Rating Upgrade)
Summary Regions Financial shares have surged 53% in the past year, outperforming other regional banks, despite my initial concerns about deposit flows. RF's Q3 earnings beat expectations, driven by stabilizing deposits and strategic actions to boost net interest income, though future earnings growth is crucial. Reinvesting fixed securities can continue to boost NIM and modestly grow interest income, and RF may tactically take further losses to accelerate this process. Challenges include tepid deposit and loan growth, higher funding costs, and credit quality risks, particularly in commercial real estate exposure. With stable deposits and a secure 3.8% yield, RF is rated a "hold," but shares closer to 10x earnings or below $24 are more attractive. Read the full article on Seeking AlphaSeeking Alpha • Oct 05
Regions Financial's Best Feature Remains Its Deposit Base
Summary Alabama-based Regions Financial has a top tier funding profile thanks to a very attractive deposit base. Other aspects of its business appear a bit more average, though Regions can well afford this given its very low cost of funding versus peers. Regions' current earnings power looks like a reasonable reflection of its longer-term potential. At 11x EPS and ~1.6x TBV ex-AOCI, the stock looks ballpark fair value. Read the full article on Seeking AlphaSeeking Alpha • Sep 26
Regions Financial: Stable Dividend Opportunity To Hold Well-Capitalized Regional Bank
Summary Regions Financial has a proven dividend growth and dividend stability, with strong liquidity and cash to support its sustainability. The bank exceeds minimum regulatory capital requirements, and has solid liquidity. Regions showed potential to grow in non-interest segments like fees from wealth clients and mortgages. The macro effect of Fed rate cuts could benefit these banks in terms of lower funding costs and higher demand for loans. The stock is trading double-digit percentages above its moving average, and nearing its 10-year-high, which may limit upside. Read the full article on Seeking AlphaSeeking Alpha • Aug 03
Regions Financial: The Newly Issued Preferred Shares Offer A 6.98% Yield
Summary Regions Financial is a sizable regional bank with more than $150 billion in assets and low exposure to commercial real estate. The bank performed well in Q2, with net interest income increasing slightly and non-interest expenses decreasing significantly. Regions Financial recently issued new preferred shares with a fixed rate for the first five years and a reset based on the five-year US treasury rate plus a mark-up. Read the full article on Seeking AlphaSeeking Alpha • Jul 02
Regions Financial Likely To Remain Sleepy Until Rate Cut Expectations Fire Up Again
Summary Regions Financial is stuck in a tortoise-vs-hare rut today, with ongoing pressure on net interest margin and minimal loan growth momentum likely to drive comparatively weak pre-provision profit performance. Regions has once again proven out the strength of its deposit franchise, outperforming peers on deposit costs and reaping a wider spread between loan and deposit betas. Management expects credit costs to peak in Q2'24, and thus far office and multifamily are not causing major issues. Regions is poised to deliver above-peer growth when rates eventually fall, and 3% to 4% long-term core growth can support a mid-$20's fair value today. Read the full article on Seeking AlphaShareholder Returns
| RF | US Banks | US Market | |
|---|---|---|---|
| 7D | 0.9% | 0.7% | 1.0% |
| 1Y | 21.5% | 27.4% | 18.4% |
Return vs Industry: RF underperformed the US Banks industry which returned 27.4% over the past year.
Return vs Market: RF exceeded the US Market which returned 18.4% over the past year.
Price Volatility
| RF volatility | |
|---|---|
| RF Average Weekly Movement | 3.1% |
| Banks Industry Average Movement | 3.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: RF has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: RF's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1971 | 20,003 | John Turner | www.regions.com |
Regions Financial Corporation, a financial holding company, provides various banking and related products and services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to corporate, middle market, and commercial real estate developers and investors.
Regions Financial Corporation Fundamentals Summary
| RF fundamental statistics | |
|---|---|
| Market cap | US$26.92b |
| Earnings (TTM) | US$2.15b |
| Revenue (TTM) | US$7.24b |
12.5x
P/E Ratio1.5x
P/B RatioIs RF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| RF income statement (TTM) | |
|---|---|
| Revenue | US$7.24b |
| Cost of Revenue | US$0 |
| Gross Profit | US$7.24b |
| Other Expenses | US$5.09b |
| Earnings | US$2.15b |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
Oct 16, 2026
| Earnings per share (EPS) | 2.52 |
| Gross Margin | 100.00% |
| Net Profit Margin | 29.70% |
| Debt/Equity Ratio | 50.2% |
How did RF perform over the long term?
See historical performance and comparisonDividends
3.8%
Current Dividend Yield43%
Payout RatioDoes RF pay a reliable dividends?
See RF dividend history and benchmarks| Regions Financial dividend dates | |
|---|---|
| Ex Dividend Date | Sep 01 2026 |
| Dividend Pay Date | Oct 01 2026 |
| Days until Ex dividend | 18 days |
| Days until Dividend pay date | 48 days |
Does RF pay a reliable dividends?
See RF dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/08/13 22:11 |
| End of Day Share Price | 2026/08/13 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Regions Financial Corporation is covered by 41 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kevin Heal | Argus Research Company |
| David George | Baird |
| Jason Goldberg | Barclays |