Financial Services · Banks - Regional
Price
$30.20
Market Cap
$25.8B
Employees
19,644
Beta
1.03
Avg Volume
10,853,042
CEO
John Turner Jr.
Business Description
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. Its extensive offerings include various lending options such as commercial and industrial loans, commercial real estate financing, and investor real estate credit. Furthermore, it provides equipment lease financing, manages diverse deposit products, and offers sophisticated capital markets services like securities underwriting and placement, loan syndication, foreign exchange, derivatives, and merger and acquisition advisory, along with other consulting services. This segment primarily serves corporate clients, middle-market businesses, and developers and investors in commercial real estate. Focusing on individual customers, the Consumer Bank segment delivers a range of personal financial products. These include residential first mortgages, home equity lines of credit and loans, consumer credit cards, and other personal lending facilities, in addition to deposit accounts. The Wealth Management division offers extensive financial planning and asset management services. Its provisions encompass credit-related products, retirement and savings solutions, trust and investment management, and estate planning expertise. Its diverse clientele includes individuals, businesses, governmental organizations, and non-profit entities. Beyond these core banking functions, Regions Financial Corporation also provides investment and insurance products, facilitates the syndication of corporate funds for low-income housing tax credits, and engages in various other specialized financing activities. As of March 1, 2022, the company maintained a significant physical presence, operating through a network of 1,300 banking branches and approximately 2,000 automated teller machines across the Southern, Midwestern, and Texas regions of the United States. Regions Financial Corporation was established in 1971 and its corporate headquarters are located in Birmingham, Alabama.
Business History
Price Overview
Last updated: Jul 1, 2026 4:41am (just now)$30.20
-0.07 (-0.23%)
Day Range
$30.03 – $30.42
52-Week Range
$22.70 – $31.53
50-Day MA
$28.19
200-Day MA
$27.12
Volume
8,561,081.00
Analyst Price Targets
Low
$30.00
Consensus
$31.22
High
$35.00
(45 analysts)
Share Structure
Outstanding
853,380,000.00
Float
850,843,754.00
Free Float
99.7%
High free float
— 99.7% of shares trade freely, ~0.3% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
11.71
Stock Price: $30.20
EPS (Diluted): 2.31
EPS (Diluted): 2.31
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.25
Stock Price: $30.20
Total Equity: $19.04B
Shares: 880,000,000
Total Equity: $19.04B
Shares: 880,000,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
9.81
Market Cap: $25.77B
Total Debt: $4.88B
Cash: $10.91B
EBITDA: $2.81B
Total Debt: $4.88B
Cash: $10.91B
EBITDA: $2.81B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$17.7B
Market Cap: $25.77B
Total Debt: $4.88B
Cash: $10.91B
Total Debt: $4.88B
Cash: $10.91B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
74.6%
Gross Profit: $7.17B
Revenue: $9.61B
Revenue: $9.61B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
28.5%
Operating Income: $2.74B
Revenue: $9.61B
Revenue: $9.61B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
22.4%
Net Income: $2.16B
Revenue: $9.61B
Revenue: $9.61B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
11.8%
Net Income: $2.16B
Total Equity: $19.04B
Total Equity: $19.04B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
1.4%
Operating Income: $2.74B
Tax Rate: 21.4%
Equity: $19.04B
Total Debt: $4.88B
Cash: $10.91B
Tax Rate: 21.4%
Equity: $19.04B
Total Debt: $4.88B
Cash: $10.91B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.30
Current Assets: $39.55B
Current Liabilities: $131.88B
Current Liabilities: $131.88B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.26
Short-Term Debt: $750.00M
Long-Term Debt: $4.13B
Total Debt: $4.88B
Total Equity: $19.04B
Long-Term Debt: $4.13B
Total Debt: $4.88B
Total Equity: $19.04B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$10.92
Revenue: $9.61B
Shares: 880,000,000
Shares: 880,000,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$21.64
Total Equity: $19.04B
Shares: 880,000,000
Shares: 880,000,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$2.44
Operating CF: $2.18B
CapEx: -$30.00M
Shares: 880,000,000
CapEx: -$30.00M
Shares: 880,000,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
4.2%
Last Dividend: N/A
Stock Price: $30.20
Stock Price: $30.20
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $2.16B
Net Income: $2.16B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares RF against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 1, 2026 4:41am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $6.6B | $7.5B | $9.2B | $9.4B | $9.6B |
| Cost of Revenue | -$357.0M | $587.0M | $2.1B | $2.8B | $2.4B |
| Gross Profit | $7.0B | $6.9B | $7.0B | $6.6B | $7.2B |
| Operating Expenses | $3.7B | $4.0B | $4.4B | $4.2B | $4.4B |
| Operating Income | $3.2B | $2.9B | $2.6B | $2.4B | $2.7B |
| Net Income | $2.5B | $2.2B | $2.1B | $1.9B | $2.2B |
| EBITDA | $3.6B | $3.2B | $2.8B | $2.5B | $2.8B |
| EPS | $2.51 | $2.30 | $2.11 | $1.94 | $2.31 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 1, 2026 4:41am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $29.4B | $11.2B | $6.8B | $10.7B | $10.9B |
| Total Current Assets | $58.2B | $39.7B | $35.5B | $34.7B | $39.5B |
| Total Assets | $162.9B | $155.2B | $152.2B | $157.3B | $159.6B |
| Current Liabilities | $139.1B | $131.7B | $127.8B | $128.1B | $131.9B |
| Long-Term Debt | $2.4B | $2.3B | $2.3B | $6.0B | $4.1B |
| Total Liabilities | $144.6B | $139.3B | $134.7B | $139.4B | $140.5B |
| Total Equity | $18.3B | $15.9B | $17.4B | $17.9B | $19.0B |
| Retained Earnings | $5.6B | $7.0B | $8.2B | $9.1B | $10.2B |
Cash Flow (Annual)
Last updated: Jul 1, 2026 4:41am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $3.0B | $3.1B | $2.3B | $1.6B | $2.2B |
| Capital Expenditure | -$72.0M | -$288.0M | -$157.0M | -$146.0M | -$30.0M |
| Free Cash Flow | $3.0B | $2.8B | $2.2B | $1.5B | $2.2B |
| Acquisitions (net) | -$1.2B | $0 | $0 | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$967.0M | -$230.0M | -$252.0M | -$848.0M | -$1.4B |
| Net Change in Cash | $11.5B | -$18.2B | -$4.4B | $3.9B | $195.0M |
Analyst Estimates (Annual)
Last updated: Jul 1, 2026 4:41am (just now)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$7.6B $7.6B – $7.6B
|
$7.8B $7.8B – $7.9B
|
$8.2B $8.1B – $8.4B
|
$8.6B $8.5B – $8.6B
|
| EBITDA |
$2.8B $2.8B – $2.8B
|
$2.9B $2.9B – $2.9B
|
$3.0B $3.0B – $3.1B
|
$3.2B $3.1B – $3.2B
|
| Net Income |
$2.1B $2.0B – $2.1B
|
$2.3B $2.2B – $2.4B
|
$2.5B $2.4B – $2.6B
|
$2.7B $2.5B – $3.0B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 1, 2026 4:41am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +13.3% | +22.3% | +2.4% | +2.5% |
| Gross Profit Growth | -0.9% | +1.9% | -6.1% | +8.7% |
| Operating Income Growth | -10.5% | -9.4% | -9.7% | +16.5% |
| Net Income Growth | -10.9% | -7.6% | -8.7% | +13.9% |
| EBITDA Growth | -10.0% | -12.0% | -12.1% | +12.3% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-05-11 | MARSHALL RUTH ANN | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-11 | VINES TIMOTHY | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-11 | JOHNSON JOIA M | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-11 | Jenkins Roger W. | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-11 | STYSLINGER LEE J III | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-11 | Davis Noopur | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-11 | Crosswhite Mark A. | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-11 | Golodryga Zhanna | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-11 | Hill J Thomas | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-11 | SUQUET JOSE S | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-11 | RHODES WILLIAM C III | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-11 | Rand Alison S. | A-Award | 5,404.00 | $0.00 | $0 |
| 2026-05-07 | Willman Brian R | S-Sale | 7,014.00 | $27.91 | $195,750 |
| 2026-05-06 | Davis Noopur | M-Exempt | 7,904.00 | $0.00 | $0 |
| 2026-05-06 | Davis Noopur | M-Exempt | 7,904.00 | $0.00 | $0 |
| 2026-05-06 | PROKOPANKO JAMES T | M-Exempt | 63,055.00 | $0.00 | $0 |
| 2026-05-06 | PROKOPANKO JAMES T | M-Exempt | 63,055.00 | $0.00 | $0 |
| 2026-05-06 | RHODES WILLIAM C III | M-Exempt | 7,904.00 | $0.00 | $0 |
| 2026-05-06 | RHODES WILLIAM C III | M-Exempt | 7,904.00 | $0.00 | $0 |
| 2026-05-06 | Golodryga Zhanna | M-Exempt | 7,904.00 | $0.00 | $0 |
Dividend History (Last 20)
Last updated: Jul 1, 2026 4:41am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-06-01 | $0.27 | 2026-04-15 | 2026-06-01 | 2026-07-01 |
| 2026-03-02 | $0.27 | 2026-02-04 | 2026-03-02 | 2026-04-01 |
| 2025-12-01 | $0.27 | 2025-10-15 | 2025-12-01 | 2026-01-02 |
| 2025-09-02 | $0.27 | 2025-07-16 | 2025-09-02 | 2025-10-01 |
| 2025-06-02 | $0.25 | 2025-04-16 | 2025-06-02 | 2025-07-01 |
| 2025-03-03 | $0.25 | 2025-02-12 | 2025-03-03 | 2025-04-01 |
| 2024-12-02 | $0.25 | 2024-10-16 | 2024-12-02 | 2025-01-02 |
| 2024-09-03 | $0.25 | 2024-07-17 | 2024-09-03 | 2024-10-01 |
| 2024-06-03 | $0.24 | 2024-04-17 | 2024-06-03 | 2024-07-01 |
| 2024-02-29 | $0.24 | 2024-02-14 | 2024-03-01 | 2024-04-01 |
| 2023-12-07 | $0.24 | 2023-10-18 | 2023-12-08 | 2024-01-02 |
| 2023-08-31 | $0.24 | 2023-07-19 | 2023-09-01 | 2023-10-02 |
| 2023-06-01 | $0.20 | 2023-04-19 | 2023-06-02 | 2023-07-03 |
| 2023-03-09 | $0.20 | 2023-02-15 | 2023-03-10 | 2023-04-03 |
| 2022-12-07 | $0.20 | 2022-10-19 | 2022-12-08 | 2023-01-03 |
| 2022-09-01 | $0.20 | 2022-07-20 | 2022-09-02 | 2022-10-03 |
| 2022-06-02 | $0.17 | 2022-04-20 | 2022-06-03 | 2022-07-01 |
| 2022-03-10 | $0.17 | 2022-02-09 | 2022-03-11 | 2022-04-01 |
| 2021-12-02 | $0.17 | 2021-10-20 | 2021-12-03 | 2022-01-03 |
| 2021-09-02 | $0.17 | 2021-07-21 | 2021-09-03 | 2021-10-01 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for RF — it's generated by the pipeline (
market-narrative step).
No community reviews yet for RF.
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My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.360 · 7b6df9be · 2026-06-30 17:24:24