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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -2.8% |
| Our one-year growth estimate | diamond | 12.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 15.1 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
RF — President transition
Dated 2026-08-11
Chief Administrative Officer — David R. Keenan: The Chief Administrative Officer is retiring with a named internal successor already appointed to ensure continuity.
Why it matters: Earnings results will show loan growth, non-interest income, and financial health.
Watch forEarnings report shows big growth in key areas compared to past quarters.
Also watch forEarnings report shows no growth or decline in key areas compared to past quarters.
Why it matters: Earnings growth over 15% shows that the business is doing well. It also reflects good market conditions.
Supportive ifEarnings growth reported above 15% YoY for Q2 2026.
Worry ifEarnings growth reported below 15% YoY for Q2 2026.
Why it matters: A decline in net interest margin could signal pressure on profitability. This is key for Regions' growth strategy.
Worry ifNet interest margin falls below 3.6% in the next earnings report.
Less concerning ifNet interest margin remains at or above 3.6%.
Why it matters: Consistent revenue growth is important. It helps Regions stay healthy and keeps investors confident.
Supportive ifTotal revenue grows more than 2% compared to Q2 2026.
Worry ifTotal revenue grows less than 2% compared to Q2 2026.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$93 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $245 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,846 loss on $10,000 · 18.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Wealth Management income is growing. This helps Regions make more money from non-interest sources.
Supportive ifWealth Management income grows more than 6% compared to Q2 2026.
Worry ifWealth Management income growth is less than 6% compared to Q2 2026.
Why it matters: A drop in net interest margin may show problems in making money.
Worry ifNet interest margin reported below 3.60% for Q2 2026.
Less concerning ifNet interest margin remains at or above 3.60% for Q2 2026.
Why it matters: Loan growth is key for Regions' profitability. A drop signals issues in lending quality or demand.
Worry ifQ3 average loans grow less than 2% compared to Q2 2026.
Less concerning ifQ3 average loans grow at or above 2% compared to Q2 2026.
Why it matters: Growth in non-interest income is important for total revenue. Slower growth may show weak fee-based services.
Worry ifNon-interest income grows less than 5% compared to Q2 2026.
Less concerning ifNon-interest income grows at or above 5% compared to Q2 2026.
Why it matters: A lower CET1 ratio may show weaker capital strength. This can affect growth and dividends.
Worry ifCET1 ratio falls below 10.5% in Q3.
Less concerning ifCET1 ratio remains at or above 10.5% in Q3.
Why it matters: More net charge-offs mean higher credit risk. This could hurt profits and investor confidence.
Worry ifNet charge-offs exceed 50 bps in Q3.
Less concerning ifNet charge-offs remain at or below 50 bps in Q3.