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Earnings transcript
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RF
Regions Financial Corporation
$26.47
0.13
(0.49%)
| Exchange: | NYSE |
| Market Cap: | 22.857B |
| Shares Outstanding: | 67.237M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | John Turner Jr. | |||||
| Full Time Employees: | 19644 | |||||
| Address: |
| |||||
| Website: | https://www.regions.com |
Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as deposits. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. The company also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services. As of March 01, 2022, it operated through a network of 1,300 banking offices and 2,000 automated teller machines across the South, Midwest, and Texas. Regions Financial Corporation was founded in 1971 and is headquartered in Birmingham, Alabama.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 9,153,000 | 9,373,000 | 9,608,000 |
| Gross Profit | 7,023,000 | 6,596,000 | 7,171,000 |
| EBITDA | 2,843,000 | 2,498,000 | 2,805,000 |
| Operating Income | 2,607,000 | 2,354,000 | 2,743,000 |
| Net Income | 2,074,000 | 1,893,000 | 2,156,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 152,194,000 | 157,302,000 | 159,553,000 |
| Total Liabilities | 134,701,000 | 139,392,000 | 140,450,000 |
| Total Stockholders Equity | 17,429,000 | 17,879,000 | 19,043,000 |
| Total Debt | 2,330,000 | 6,493,000 | 4,884,000 |
| Cash and Cash Equivalents | 6,801,000 | 10,712,000 | 10,907,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 2,308,000 | 1,598,000 | 2,181,000 |
| Capital Expenditure | -157,000 | -146,000 | 0 |
| Free Cash Flow | 2,151,000 | 1,452,000 | 2,181,000 |
| Net Income | 2,074,000 | 1,893,000 | 2,156,000 |
| Net Change in Cash | -4,426,000 | 3,911,000 | 195,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 8,554,077.922 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 8,572,711.327 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 8,563,394.625 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 3,154,361.073 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 3,161,232.238 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 3,157,796.656 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 2,538,694.402 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 2,922,242.403 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 2,730,468.403 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 2,639,809.953 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 2,645,560.269 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 2,642,685.111 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 3.180 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 3.320 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.880 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 5 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Regions Financial Corporation reported strong results in its Q4 and full-year 2025 earnings call, with key metrics such as revenue and net income showing positive trends. The company’s ability to exceed expectations in these areas highlights operational efficiency and effective cost management.
- Strategic Market Positioning: The earnings call summary indicates a focus on growth in priority markets, supported by strategic investments. This targeted expansion, combined with a robust presence in the banking industry within the financial sector, provides a competitive edge.
- Positive Return Metrics: Key metrics such as return on equity (ROE) and return on invested capital (ROIC) from the TTM data reflect efficient use of capital and profitability, positioning RF favorably against industry benchmarks.
- Stable Dividend Yield: The dividend yield (TTM) and consistent dividend payments (lastDiv) underscore RF’s commitment to shareholder returns, appealing to income-focused investors.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates RF intrinsic value between $23.27 – $25.38 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about RF valuation
Is Regions Financial Corporation (RF) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Regions Financial Corporation (RF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is RF a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether RF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is RF’s P/E ratio?
You can see RF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for RF?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is RF a good long-term investment?
Whether RF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
RF
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0.49
Trading Metrics:
| Open: | 25.77 | Previous Close: | 26.34 | |
| Day Low: | 25.75 | Day High: | 26.51 | |
| Year Low: | 17.74 | Year High: | 31.53 | |
| Price Avg 50: | 27.78 | Price Avg 200: | 26.29 | |
| Volume: | 6.255M | Average Volume: | 15.205M |
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YouTube Video Transcript: Comprehensive Stock Analysis of Regions Financial Corporation (RF) Hey everyone, welcome back to the channel! I’m thrilled to dive into another deep-dive stock analysis with you today. If you’re new here, make sure to hit that subscribe button and turn on notifications so you don’t miss any of our in-depth financial breakdowns. Today, we’re taking a close look at Regions Financial Corporation, ticker symbol RF, a major player in the regional banking space. We’ll cover everything from…
