RF
REGIONS FINANCIAL CORP
Next earnings Jul 17, 2026 · consensus $0.65 EPS, $2.00B rev
Last earnings +0.8% on 2026-04-17
$30.28
▲ +0.03%$30.28▲ +34.90%
over 1Y
L $22.45H $30.37
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.0%
1W+1.0%
1M+8.0%
3M+15.5%
YTD+12.0%
1Y+34.9%
Buy
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 29 analysts
Buy
Earnings re-accelerating, ~12x P/E, 11% ROE and a 4.6% lower share count make Regions a cheap, well-capitalized regional bank.
Diluted EPS $2.30 · FY2025
The read
Quality fundamentals and an attractive price line up (~189% below fair value) — the rarer case where both the business and the entry look good.
Regions has turned the corner on a multi-year earnings slide. Net income available to common rose to $2.1B ($2.30 diluted EPS) in 2025 from $1.8B ($1.93) in 2024, reversing the FY2022-FY2024 decline (net income fell $2.25B -> $2.07B -> $1.89B before recovering to $2.16B). Per the MD&A, net interest income reached $5.0B and the taxable-equivalent net interest margin expanded 7bps to 3.61%, driven by lower funding costs, hedge performance and securities-repositioning gains as short rates fell. With diluted EPS up 19.2% YoY and a price of $28.62, the stock trades at just 12.4x earnings.
Capital strength underpins the call. Stockholders' equity grew 6.5% to $19.0B, retained earnings rose 12.6% to $10.2B, and long-term debt was cut 31% to $4.13B. The 7.34x liabilities/equity ratio is normal for a deposit-funded bank. Operating cash flow climbed 36.5% to $2.18B, funding aggressive capital return: $1.07B of buybacks (up 206.6%) shrank the share count 4.6%, plus $912M of dividends. A bank earning an 11.3% ROE while buying back stock near 12x earnings is compounding per-share value for owners.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 3:08 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $104M | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | $46.0M | $56.0M | $212M | $95.0M | $53.0M |
| Net income | $2.52B | $2.25B | $2.07B | $1.89B | $2.16B |
| Diluted EPS | $2.49 | $2.28 | $2.11 | $1.93 | $2.30 |
| Net margin | 2424.0% | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)0.95
Earnings yield8.3%
FCF yield—
Quality & risk
ROIC (est.)0.2%
Free cash flow—
Total debt$4.88B
Net cash$6.02B
Piotroski F-Score7/7
Capital returns
Buyback yield4.1%
Dividend yield (est.)3.5%
Shareholder yield7.7%
Shares Δ YoY-4.6%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-07-012026-07-02open ↗11-KPeriod ending 2025-12-312026-06-16open ↗144Filing2026-05-18open ↗4Period ending 2026-05-112026-05-13open ↗4Period ending 2026-05-112026-05-13open ↗4Period ending 2026-05-112026-05-13open ↗4Period ending 2026-05-112026-05-13open ↗4Period ending 2026-05-112026-05-13open ↗4Period ending 2026-05-112026-05-13open ↗4Period ending 2026-05-112026-05-13open ↗4Period ending 2026-05-112026-05-13open ↗4Period ending 2026-05-112026-05-13open ↗
Frequently asked
- Is REGIONS FINANCIAL CORP (RF) a buy?
- RF currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Earnings re-accelerating, ~12x P/E, 11% ROE and a 4.6% lower share count make Regions a cheap, well-capitalized regional bank.
- What is RF's fair value?
- A Modified-Graham model based on RF's SEC fundamentals estimates a fair value of about $87.40. It is an estimate from reported earnings, not a price target.
- Is RF overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, RF currently appears undervalued relative to its SEC-grounded earnings power.
- What is REGIONS FINANCIAL CORP's quality score?
- RF scores 77.58336868552036/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001281761, latest 10-Q filed 2026-05-07) · EODHD · Proprietary analysis · as of 6/21/2026, 7:08:10 PM.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.