Regions Financial Corporation (RF)
NYSEFinancialsBanks - RegionalSnapshot 2026-07-07
$30.61+0.43%
Close 2026-07-07 · 1-day change
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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 2026-07-07.
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); 4 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.
Focus on increasing non-interest income through strategic initiatives and market expansion.
Stated in 3 of last 3 quarters. Revenue grew from $1,724M in 2025-Q1 to $1,804M in 2025-Q4, indicating progress towards the non-interest income growth target. The trajectory shows delivering on this priority.
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 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 55% of the time over the next year (vs 58% for the rest of the cohort, n=7357).
Over the trailing year it converted 0.89x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 58% for the rest of the cohort, n=6607).
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).
7 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 51% of the time over the next year (vs 50% for the rest of the cohort, n=2527).
Not investment advice. As of 2026-07-07.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We now expect FY25 adjusted non-interest income to grow between 4 – 5% vs PY.”
“Expect FY25 adjusted non-interest income to grow between 2.5 – 3.5% vs PY.”
“Strategically investing in non-bank M&A, expanding products and capabilities.”
Enhance net interest margin through strategic balance sheet management and interest rate risk mitigation.
Stated in 2 of last 2 quarters. NIM increased from 3.59% in 2025-Q3 to 3.70% in 2025-Q4, reflecting progress in enhancing net interest margin. The trajectory is delivering on this priority.
“NIM increased 11bps to 3.70% in 4Q25.”
“NIM increased 3bps to 3.59% in 3Q25.”
Focus on managing net charge-offs to maintain credit quality and risk efficiency.
Stated in 2 of last 2 quarters. Net-Charge Offs / Avg Loans decreased from 0.59% in 2025-Q4 to 0.54% in 2026-Q1, indicating effective management of net charge-offs. The trajectory shows delivering on this priority.
“Net-Charge Offs / Avg Loans 0.54% in 1Q26.”
“Net-Charge Offs / Avg Loans 0.59% in 4Q25.”