# Regions Financial Corp. (RF) — Stock CV

Regions Financial Corp. 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.

> 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.

## Identity

- **Ticker**: RF
- **Sector**: Financial Services
- **Industry**: National Commercial Banks
- **Headquarters**: BIRMINGHAM, AL
- **Employees**: 19 969
- **Website**: https://www.regions.com
- **Market cap**: $23.0B
- **Last price**: $27.03
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $9.57B
- **Net income**: $2.23B
- **Free cash flow**: $1.78B
- **P/E**: 10.3
- **Revenue growth (YoY)**: 0.5%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 67 |
| Growth | 37 |
| Profitability | 74 |
| Health | 28 |
| Quality | 67 |
| Moat | 25 |

## Qualifications (beginner checklist) — 9 of 10 passed

- [x] Revenue growing — +0.5% YoY
- [x] Profitable — $2.23B TTM
- [x] Profit growing — +0.3% YoY
- [x] Generates cash — $1.78B TTM
- [x] Established company — $23.0B market cap
- [x] Not printing shares — -6.9% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — Altman Z 0.1 — distress
- [x] Pays a dividend — yield 4.34%
- [x] Valuation not extreme — P/E 10.3

## Experience (career milestones)

- **FY2021** — Best year on record: $2.52B net income
- **2021** — Regions announced they would acquire home improvement lender EnerBank USA for $960 million
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $1B: $5.97B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak
- **2006** — Regions acquired AmSouth Bancorporation, another Birmingham-based bank, in a $10 billion transaction
- **Jan 24, 2004** — Regions merged with Memphis, Tennessee–based Union Planters Bank in a $5.9 billion transaction
- **2002** — Regions acquired Independence Bank for approximately $24 million in cash
- **2001** — Regions acquired Rebsamen Insurance Company, which was renamed Regions Insurance Group
- **1998** — The name "Regions" was purchased from First Commercial Corporation, the Arkansas Bank that Regions subsequently…
- **1994** — To reflect its growth into a regional company, First Alabama Bankshares changed its name to Regions…
- **1985** — Until their formal merger in March 1985, under revised banking regulations, the banks continued to operate…

## 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

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $6.61B | $2.52B | $3.03B |
| FY2022 | $7.53B | $2.25B | $3.10B |
| FY2023 | $9.15B | $2.07B | $2.31B |
| FY2024 | $9.37B | $1.89B | $1.60B |
| FY2025 | $9.61B | $2.16B | $2.18B |

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Source: https://stockcv.com/RF — derived from company filings; may be delayed or incomplete. Information, not investment advice.