Regions Financial is one of the midsized regional banks in the US, with around $160 billion in total assets as of the end of first quarter of 2026. Headquartered in Birmingham, Alabama, Regions Financial has a footprint mostly in the US Southeast.
It is a $23.0B financial services company. Revenue grew 0.5% over the last year, and it keeps 23¢ of every dollar of sales as profit. It trades at 10.3× earnings — around the middle of its own history.
- Website
- regions.com
- Location
- Birmingham, AL
- Employees
- 19 969
- Sector
- Financial Services
- Next earnings
- Oct 16, 2026 · in 4d
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Growth, Health and Moat lag behind.
Valuation67
- P/E vs own history60th pct · 12/25
- FCF yield7.7% · 20/25
- P/S1.9x · 25/25
- EV/EBITDAn/a · 10/25
Growth37
- Revenue CAGR9.8% · 12/25
- Net income CAGR-3.8% · 0/25
- EPS CAGR ~5Y16.2% · 20/25
- Fwd implied growth0.8% · 5/25
Profitability74
- ROIC9.0% · 12/25
- ROE11.8% · 12/25
- Net margin23.3% · 25/25
- Operating margin38.7% · 25/25
Health28
- Altman Z0.12 · 3/25
- Current ration/a · 0/25
- Interest coverageno interest expense · 25/25
- Net cash / debtn/a · 0/25
Quality67
- Piotroski F7/9 · 22/25
- Beneish M-2.37 · 20/25
- FCF conversionn/a · 0/25
- Margin stabilityσ 3.0% · 25/25
Moat25
- ROIC >12% years0/5 yrs · 0/25
- Median gross marginn/a · 0/25
- FCF-positive yearsn/a · 0/25
- Worst-year net marginworst 16.4% · 25/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2021FinancialBest year on record$2.52B net income
- 2021AcquisitionRegions announced they would acquire home improvement lender EnerBank USA for $960 million
- FY2016FinancialProfitable every year on record10 consecutive profitable years in our data
- FY2016FinancialRevenue already above $1B$5.97B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
- 2006AcquisitionRegions acquired AmSouth Bancorporation, another Birmingham-based bank, in a $10 billion transaction
- Jan 24, 2004AcquisitionRegions merged with Memphis, Tennessee–based Union Planters Bank in a $5.9 billion transaction
- 2002AcquisitionRegions acquired Independence Bank for approximately $24 million in cash
- 2001AcquisitionRegions acquired Rebsamen Insurance Company, which was renamed Regions Insurance Group
- 1998AcquisitionThe name "Regions" was purchased from First Commercial Corporation, the Arkansas Bank that Regions subsequently…
- 1994MilestoneTo reflect its growth into a regional company, First Alabama Bankshares changed its name to Regions…
- 1985AcquisitionUntil their formal merger in March 1985, under revised banking regulations, the banks continued to operate…
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Strongly profitable — 23.3% net margin
- Strong cash conversion — FCF is 18.6% of revenue
- Piotroski F-Score 7/9 — fundamentally strong checklist
Watch-outs
- Altman Z-Score 0.12 — elevated financial-distress risk
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+0.5% YoY
- Profitable — makes more than it spends$2.23B TTM
- Profit growing — earnings are higher than last year+0.3% YoY
- Generates cash — cash left after running and investing$1.78B TTM
- Debt under control — could handle its obligationsno data
- Established company — not a micro-cap — lower blow-up risk$23.0B market cap
- Not printing shares — share count not ballooning — you keep your slice-6.9% shares over ~5y
- Proven track record — years of profitability behind it10/10 profitable years
- Financially stable — balance sheet not near distressAltman Z 0.1 — distress
- Pays a dividend — returns cash to shareholdersyield 4.34%
- Valuation not extreme — price not wildly above earningsP/E 10.3
Peer comparisonRegions Financial Corp. vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| RF this company | $23.0B | 10.3 | +0.5% | 23.3% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: RF vs BRK.A · RF vs BRK.B · RF vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/RF
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Deeper analysis of RF on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $27.03 · market cap $23.0B.