Regions Financial Corporation (RF)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$30.42-0.07%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · RF
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks RF against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to grow average and ending loans and deposits, emphasizing high-quality commercial and industrial lending and broad-based business lending growth.
Stated as a priority in 6 of last 6 quarters. Average loans grew from $96.4B in 2026-Q1 to $98.7B in 2026-Q2 (+2%), with ending loans also increasing 1%. Growth was driven primarily by high-quality, broad-based commercial and industrial lending. Deposit growth was modest but consistent. The trajectory matches management's stated focus on high-quality business lending and deposit growth, delivering steady progress.
“2Q26 average loans increased 2% while ending loans increased 1% vs 1Q26; growth driven primarily by high-quality, broad-based C&I loans”
“1Q26 average loans increased 1% while ending loans increased 2% vs 4Q25; growth driven primarily by high-quality broad-based C&I loans”
“Average and ending loans both decreased approximately 1 percent compared to the prior quarter. Average business loans decreased 1 percent during the quarter.”
“Average loans increased approximately 1 percent compared to the prior quarter, while total ending loans decreased approximately 1 percent. Average business loans grew 1 percent during the quarter.”
“Average loans and leases remained stable compared to the prior quarter, while total ending loans increased 1 percent. Average business loans remained stable during the quarter.”
“Average loans and leases remained relatively stable compared to the prior quarter, while total ending loans decreased modestly. Average business loans remained stable during the quarter.”
Increase non-interest income, emphasizing record performance in Wealth Management and Treasury Management fee income.
Stated as a priority in 6 of last 6 quarters. Non-interest income increased modestly from $625M in 2026-Q1 to $630M in 2026-Q2 (+1% reported, +7% adjusted), with Wealth Management income reaching a new record level, up 6% quarter-over-quarter. Treasury Management fees also showed record performance in prior quarters. The trajectory shows steady delivery on growing fee income, especially in Wealth and Treasury Management.
“2Q26 reflects another record quarter of Wealth Management income (5th in the last 6 quarters)”
“1Q26 reflects a record quarter of Treasury Management fees”
“2025 represents another annual record for Wealth Management and Treasury Management income”
“Wealth Management marked its 3rd consecutive record fee quarter, alongside new record performance in Capital Markets”
“Strong performance across fee-based businesses, including Treasury Management and Wealth Management”
“Wealth management income increased 3 percent and represented another record quarter”
Sustain robust capital ratios well above regulatory requirements and continue increasing dividends to shareholders.
Stated as a priority in 6 of last 6 quarters. Common Equity Tier 1 ratio remained stable around 10.7% to 10.8%, well above regulatory requirements. Dividends per share increased from $0.265 in 2025-Q2 to $0.30 in 2026-Q2, reflecting continued dividend growth. Management is delivering on maintaining strong capital and dividend growth.
“Common Equity Tier 1 (CET1) ratio was estimated at 10.7 percent. Board declared a quarterly dividend of $0.30 per share, representing a 13 percent increase over the previous quarter.”
“CET1 of 10.6% supported by strong organic capital generation. Declared $227 million in dividends to common shareholders.”
“Robust capital with CET1 of 10.8% supported by strong organic capital generation. Declared $231 million in dividends.”
“Robust capital with CET1 of 10.8% supported by strong organic capital generation. Declared $235 million in dividends.”
“Robust capital with CET1 of 10.7%. Declared $224 million in dividends. Dividend growth of 6% over prior quarter.”
“CET1 of 10.8%. Declared $226 million in dividends. Repurchased 10.4 million shares for $242 million.”
Focus on improving credit quality metrics, reducing criticized loans, and managing net charge-offs within targeted ranges.
Stated as a priority in 6 of last 6 quarters. Net charge-offs improved from 54 bps in 2026-Q1 to 42 bps in 2026-Q2, a 12 bps decrease. Business services criticized loans and non-performing loans declined modestly. Asset quality metrics show improving trends consistent with management's stated focus, indicating delivering progress.
“Net charge-offs decreased 12 bps QoQ to 42 bps; business services criticized loans and NPLs also decreased QoQ.”
“Net charge-offs were $130 million or an annualized 54 basis points of average loans, representing a 5 basis point decrease compared to 4Q25.”
“Net charge-offs were $142 million or an annualized 59 basis points of average loans, representing a 4 basis point increase compared to 3Q25.”
“Net charge-offs were $135 million or an annualized 55 basis points of average loans during the quarter, representing an 8 basis point increase compared to 2Q25.”
“Net charge-offs were $113 million or an annualized 47 basis points of average loans during the quarter, representing a 5 basis point decrease from prior quarter.”
“Net charge-offs were $123 million or 52 basis points of average loans during the quarter, a 3 basis point increase from prior quarter.”
Focus on increasing non-interest income through strategic initiatives and market expansion.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 0 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Over the trailing year it converted 1.76x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
5 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.