Regions Financial Corporation (RF)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$28.41-2.14%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
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 2026-11-05.
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.
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 59% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
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.
By remaining disciplined in our approach to risk management and staying committed to soundness, profitability, and growth, we are delivering strong results built on solid fundamentals and a competiti…
Stated in 8 of 8 supplied quarters. Management reported: “Growth in loans and deposits accelerated during the first quarter, credit metrics continued to improve, and client sentiment remained generally optimistic across our footprint.” Revenue was $1.748 billion in 2026-Q2.
“By remaining disciplined in our approach to risk management and staying committed to soundness, profitability, and growth, we are delivering strong results built on solid fundamentals and a competiti…”
“As our markets grow, Regions Bank is focused on leveraging every opportunity to illustrate the Regions difference to more consumers, businesses, Wealth Management clients, and homeowners.”
“Growth in loans and deposits accelerated during the first quarter, credit metrics continued to improve, and client sentiment remained generally optimistic across our footprint.”
“Financial Highlights Soundness Quarter Ended Year Ended • Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25 • Robust capital with CET1 of 10.8% (…”
“diluted earnings per common share (1) 0.63 0.60 0.57 Profitability Balance Sheet Summary • Best-in-class hedging program creates a mostly neutral interest rate position and supports a top-quartile 3Q…”
“"Our second quarter results demonstrate continued momentum across our franchise and the benefits of the strategic investments we've made in talent, technology, and capabilities," said John Turner, Ch…”
As we continue to modernize the franchise and expand our capabilities, Regions Bank is well positioned to meet the evolving needs of our customers and drive more sustainable growth over time."
Stated in 8 of 8 supplied quarters. Management reported: “Financial Highlights Soundness Quarter Ended Year Ended • Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25 • Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI (1) ) supported by strong organic capital generation • Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242% ($ amounts in millions, except per share data) 4Q25 3Q25 2025 2024 Earnings Summary Net income $ 534 $ 569 $ 2,156 $ 1,893 Net income available to common shareholders 514 548 2,061 1,774 Adj.” “In addition, the company, through its senior management, may from time to time make forward-looking public statements concerning the matters described herein.”
By remaining disciplined in our approach to risk management and staying committed to soundness, profitability, and growth, we are delivering strong results built on solid fundamentals and a competiti…
Stated in 8 of 8 supplied quarters. Management reported: “Business services criticized loans improved again during the quarter, decreasing $340 million, or 9 percent, while n on-performing loans decreased 8 percent with the ratio of non-performing loans as a percentage of total loans declining 6 basis point to 0.73 percent.” “Growth in loans and deposits accelerated during the first quarter, credit metrics continued to improve, and client sentiment remained generally optimistic across our footprint.”
By remaining disciplined in our approach to risk management and staying committed to soundness, profitability, and growth, we are delivering strong results built on solid fundamentals and a competiti…
Stated in 8 of 8 supplied quarters. Management reported: “Careful and successful expense management continued throughout the fourth quarter with non-interest expense remaining relatively stable on both a reported and adjusted basis (1) compared to the third quarter of 2025.” “In addition, the company, through its senior management, may from time to time make forward-looking public statements concerning the matters described herein.”
By remaining disciplined in our approach to risk management and staying committed to soundness, profitability, and growth, we are delivering strong results built on solid fundamentals and a competiti…
Stated in 8 of 8 supplied quarters. Management reported: “Financial Highlights Soundness Quarter Ended Year Ended • Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25 • Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI (1) ) supported by strong organic capital generation • Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242% ($ amounts in millions, except per share data) 4Q25 3Q25 2025 2024 Earnings Summary Net income $ 534 $ 569 $ 2,156 $ 1,893 Net income available to common shareholders 514 548 2,061 1,774 Adj.”
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=6873).
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).
4 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-05.
“"First quarter results reflect our unwavering commitment to our longstanding priorities of soundness, profitability and growth and our continued focus on successfully executing our strategic plan.”
“"This was a year of records at Regions, with our performance driven by a consistent focus on superior service as well as soundness, profitability, and growth.”
“As we continue to modernize the franchise and expand our capabilities, Regions Bank is well positioned to meet the evolving needs of our customers and drive more sustainable growth over time."”
“As our markets grow, Regions Bank is focused on leveraging every opportunity to illustrate the Regions difference to more consumers, businesses, Wealth Management clients, and homeowners.”
“At the same time, we are making meaningful progress on our core transformation, including key technology and AI investments that are enhancing efficiency and the customer experience, while remaining…”
“Financial Highlights Soundness Quarter Ended Year Ended • Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25 • Robust capital with CET1 of 10.8% (…”
“In addition, the company, through its senior management, may from time to time make forward-looking public statements concerning the matters described herein.”
“"Our second quarter results demonstrate continued momentum across our franchise and the benefits of the strategic investments we've made in talent, technology, and capabilities," said John Turner, Ch…”
“We believe our de-risking efforts and best-in-class hedging program coupled with our investments in talent, technology, products and services position us well to perform across a wide array of econom…”
“Our Capital Markets and Wealth Management businesses, as well as our Treasury Management products and services, all generated record revenue," said John Turner, Chairman, President and CEO of Regions…”
“By remaining disciplined in our approach to risk management and staying committed to soundness, profitability, and growth, we are delivering strong results built on solid fundamentals and a competiti…”
“The foundation for our growth - including focusing on what we can control, operating to the highest standards, and keeping the customer first - hasn't changed.”
“Growth in loans and deposits accelerated during the first quarter, credit metrics continued to improve, and client sentiment remained generally optimistic across our footprint.”
“Business services criticized loans improved again during the quarter, decreasing $340 million, or 9 percent, while n on-performing loans decreased 8 percent with the ratio of non-performing loans as…”
“diluted earnings per common share (1) 0.63 0.60 0.57 Profitability Balance Sheet Summary • Best-in-class hedging program creates a mostly neutral interest rate position and supports a top-quartile 3Q…”
“Our strong performance is the result of remaining focused on the financial needs and opportunities of our clients and operating in a responsible manner for the benefit of the people we serve."”
“"First quarter results reflect our unwavering commitment to our longstanding priorities of soundness, profitability and growth and our continued focus on successfully executing our strategic plan.”
“"This was a year of records at Regions, with our performance driven by a consistent focus on superior service as well as soundness, profitability, and growth.”
“By remaining disciplined in our approach to risk management and staying committed to soundness, profitability, and growth, we are delivering strong results built on solid fundamentals and a competiti…”
“The foundation for our growth - including focusing on what we can control, operating to the highest standards, and keeping the customer first - hasn't changed.”
“At the same time, we are making meaningful progress on our core transformation, including key technology and AI investments that are enhancing efficiency and the customer experience, while remaining…”
“Careful and successful expense management continued throughout the fourth quarter with non-interest expense remaining relatively stable on both a reported and adjusted basis (1) compared to the third…”
“In addition, the company, through its senior management, may from time to time make forward-looking public statements concerning the matters described herein.”
“As we modernize our platforms and expand further in key growth areas across our footprint, we remain committed to executing our plan while generating top-quartile returns and long-term value for our…”
“"First quarter results reflect our unwavering commitment to our longstanding priorities of soundness, profitability and growth and our continued focus on successfully executing our strategic plan.”
“"This was a year of records at Regions, with our performance driven by a consistent focus on superior service as well as soundness, profitability, and growth.”
“By remaining disciplined in our approach to risk management and staying committed to soundness, profitability, and growth, we are delivering strong results built on solid fundamentals and a competiti…”
“As we expand our capabilities and grow our talented group of bankers, that foundation is stronger than ever before and will serve us well in the years to come."”
“Together, these actions support our confidence to deliver on our strategic priorities throughout the year."”
“Financial Highlights Soundness Quarter Ended Year Ended • Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25 • Robust capital with CET1 of 10.8% (…”
“These strengths position us to compete and win, with momentum building into 2026 as we continue delivering long-term value for our shareholders."”
“As we modernize our platforms and expand further in key growth areas across our footprint, we remain committed to executing our plan while generating top-quartile returns and long-term value for our…”
“That puts us in a stronger position to generate sustainable performance even amid economic uncertainty, and it gives us a steady foundation for future growth."”
“I'm proud to be part of the Regions team and of the way we take care of our customers and communities, and I look forward to what we will achieve together in 2025 and beyond."”