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Earnings transcript
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RF
Regions Financial Corporation
$28.5
0.02
(0.07%)
| Exchange: | NYSE |
| Market Cap: | 24.321B |
| Shares Outstanding: | 67.237M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | John Turner Jr. | |||||
| Full Time Employees: | 20003 | |||||
| Address: |
| |||||
| Website: | https://www.regions.com |
Regions Financial Corporation (RF) operates as a financial holding company, delivering a comprehensive array of banking and related services to both individual consumers and corporate entities. The firm’s operations are strategically divided into three principal divisions: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment specializes in commercial banking solutions. Its extensive offerings include various lending options such as commercial and industrial loans, commercial real estate financing, and investor real estate credit. Furthermore, it provides equipment lease financing, manages diverse deposit products, and offers sophisticated capital markets services like securities underwriting and placement, loan syndication, foreign exchange, derivatives, and merger and acquisition advisory, along with other consulting services. This segment primarily serves corporate clients, middle-market businesses, and developers and investors in commercial real estate. Focusing on individual customers, the Consumer Bank segment delivers a range of personal financial products. These include residential first mortgages, home equity lines of credit and loans, consumer credit cards, and other personal lending facilities, in addition to deposit accounts. The Wealth Management division offers extensive financial planning and asset management services. Its provisions encompass credit-related products, retirement and savings solutions, trust and investment management, and estate planning expertise. Its diverse clientele includes individuals, businesses, governmental organizations, and non-profit entities. Beyond these core banking functions, Regions Financial Corporation also provides investment and insurance products, facilitates the syndication of corporate funds for low-income housing tax credits, and engages in various other specialized financing activities. As of March 1, 2022, the company maintained a significant physical presence, operating through a network of 1,300 banking branches and approximately 2,000 automated teller machines across the Southern, Midwestern, and Texas regions of the United States. Regions Financial Corporation was established in 1971 and its corporate headquarters are located in Birmingham, Alabama.
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Revenue Segmentation
RF full analysis
Hey everyone, welcome back to another deep-dive stock analysis. Today we’re breaking down Regions Financial Corporation, ticker RF, a major regional bank serving the Southeast and Midwest. Regions has been quietly executing on digital upgrades and strategic acquisitions while delivering steady earnings growth in a tough rate environment. Let’s walk through the full picture together. Regions Financial operates as a financial holding company headquartered in Birmingham, Alabama. It provides banking, wealth management, and capital markets services across roughly 2,000 branches…
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| RF | Regions Financial Corporation | 24.3B | 12.1 | 10.8 | 7.3% |
 FCNCA | First Citizens BancShares, Inc. | 24.1B | 11.6 | 10.9 | 1.0% |
 CIB | Grupo Cibest S.A. | 22.9B | 9.7 | 8.8 | 2.1% |
 KEY | KeyCorp | 22.5B | 12.6 | 11.4 | 3.9% |
 RF-PF | Regions Financial Corporation | 26.2B | 12.1 | 9.5 | 7.3% |
 FCNCN | First Citizens BancShares, Inc. Deposi… | 21.5B | 0.1 | 0.1 | 1.0% |
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 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 8,470,795.829 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 8,642,531.374 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 8,541,406.875 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 3,492,084.203 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 3,831,981.751 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 3,662,032.977 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 2,679,811.203 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 2,948,360.803 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 2,814,086.003 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 2,614,108.890 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 2,667,106.911 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 2,635,899.636 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 3.150 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 3.350 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 3.050 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 3 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 9 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- No adverse news items or criticism identified in source data.
- Earnings call transcript available for Q1 2026, indicating ongoing disclosure processes.
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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.
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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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Daily snapshot
0.07
Trading Metrics:
| Open: | 28.55 | Previous Close: | 28.48 | |
| Day Low: | 28.29 | Day High: | 28.76 | |
| Year Low: | 22.7 | Year High: | 32.47 | |
| Price Avg 50: | 30.77 | Price Avg 200: | 28.65 | |
| Volume: | 16.408M | Average Volume: | 9.66M |
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