RF
Regions Financial CorporationNYSEFinancialsBanks - RegionalSnapshot 2026-05-08
As of May 8, 2026, RF has a composite score of 11.2, categorized as "mild favorable." This score is influenced by a medium confidence level of 77.5 and a moderate risk label. Key drivers include macroeconomic factors such as rates, growth, labor, and inflation, with a macro score of -7.7 and a sector score of 14.6. The analysis is provisional.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share0.03
- Slope (norm)-0.74
- Bonus0.00
Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $0.64 → $0.63 (-0.7% / 30d). 2 raised, 8 cut, 15 covering analysts.
0 upgrades, 0 downgrades / 30d, 2 maintained. 36% of analysts rate Buy.
3 PT revisions / 30d. Avg target 9.5% above current price.
0 positive, 0 negative / 30d.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
No recent events recorded.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Grow non-interest incomegrowthwatchprovisional
10/17: “We now expect FY25 adjusted non-interest income to grow between 4 – 5% vs PY.”
Why this status
Stated in 2 of last 2 quarters. FY25 adjusted non-interest income was expected to grow between 4 – 5% vs PY as of 2025-Q3, up from 2.5 – 3.5% guidance in 2025-Q2. Persistent statement with limited substantive delivery evidence this quarter.
- 2.Increase net interest margingrowthmixed56% progress
2/9: “NIM increased 11bps to 3.70% in 4Q25.”
Why this status
Newly stated in 2025-Q4. NIM increased 11bps to 3.70% in 4Q25, indicating progress in margin improvement. However, further evidence of sustained improvement is needed to confirm trajectory.
- 3.Manage net charge-offsotherwatchprovisional
4/17: “Expect FY26 NCOs to be between 40 - 50bps.”
Why this status
Newly stated in 2026-Q1. FY26 NCOs are expected to be between 40 - 50bps. The focus on managing net charge-offs is clear, but the financials do not yet show the impact of this guidance.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 23%; 252d 25%.
Drawdown — Max 1y −18%. Bad day move −2%.
Beta to sector ETF (XLF) — 1.28 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 58/100, drawdown 63/100, beta 72/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Grow non-interest income
GrowthNew since 2026-05-04Focus on increasing non-interest income through strategic initiatives.
WatchStated in 2 of last 2 quarters. FY25 adjusted non-interest income was expected to grow between 4 – 5% vs PY as of 2025-Q3, up from 2.5 – 3.5% guidance in 2025-Q2. Persistent statement with limited substantive delivery evidence this quarter.
FY25 adjusted non-interest income expected to grow 4 – 5% vs PYNo scoreCEO/CFO:“We now expect FY25 adjusted non-interest income to grow between 4 – 5% vs PY.”Multiple sourcesSource dated 2025-10-17Stated 2 of last 8 quartersFirst seen 2026-05-04provisionalShow history (2)
- 2025-Q3Multiple sources
“We now expect FY25 adjusted non-interest income to grow between 4 – 5% vs PY.”
- 2025-Q2Multiple sources
“Expect FY25 adjusted non-interest income to grow between 2.5 – 3.5% vs PY.”
- #2
Increase net interest margin
GrowthNew since 2026-05-04Aim to improve net interest margin through strategic financial management.
Watch →MixedNewly stated in 2025-Q4. NIM increased 11bps to 3.70% in 4Q25, indicating progress in margin improvement. However, further evidence of sustained improvement is needed to confirm trajectory.
NIM increased 11bps to 3.70% in 4Q2556%CEO/CFO:“NIM increased 11bps to 3.70% in 4Q25.”Multiple sourcesSource dated 2026-02-09Stated 1 of last 8 quartersFirst seen 2026-05-04Show history (1)
- 2025-Q4Multiple sources
“NIM increased 11bps to 3.70% in 4Q25.”
- #3
Manage net charge-offs
OtherNew since 2026-05-04Focus on managing net charge-offs to maintain financial stability.
WatchNewly stated in 2026-Q1. FY26 NCOs are expected to be between 40 - 50bps. The focus on managing net charge-offs is clear, but the financials do not yet show the impact of this guidance.
No scoreCEO/CFO:“Expect FY26 NCOs to be between 40 - 50bps.”Multiple sourcesSource dated 2026-04-17Stated 1 of last 8 quartersFirst seen 2026-05-04provisionalShow history (1)
- 2026-Q1Multiple sources
“Expect FY26 NCOs to be between 40 - 50bps.”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Looks cheaper than most peers in the same business.
Cheaper than its own typical valuation.
P/E over the last 5 years
71 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
RF Regions Financial Corporation | +11 | inexpensive | moderate |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is raised (currently NEW as of 2026-04-17)+4.0 pts
- If next-quarter guidance is cut (currently NEW as of 2026-04-17)-8.0 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-1722d agoItem 2.02
Results of Operations and Financial Condition. On April 17, 2026, Regions Financial Corporation (“Regions”) issued a press release announcing its preliminary results of operations for the quarter ended March 31, 2026. A copy of the press release is attached hereto as Exhibit 99.1. Supplemental financial information for the quarter ended March 31, 2026 is attached as Exhibit 99.2. Each of Exhibits 99.1 and 99.2 are incorporated herein by reference and may also be found on Regions’ website at w…
earnings preannouncementneutralscore 40
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.