Regions Financial CorporationRF
NYSE•Financial Services•Banks - Regional
Regions Financial Corporation, a financial holding company, provides various banking and related products and 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; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to 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 the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; home improvement lending, investment advisory services, equipment financing for commercial clients, small business customers, low-income housing tax credit corporate fund syndication services, financing to CRA-qualified customers, and broker-dealer services to commercial clients, as well as other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.
Regions Financial Corporation (RF) reported trailing twelve months revenue of $4.61B as of March 2026, a 5.5% increase year-over-year. Quarterly revenue reached $1.16B, reflecting continued top-line momentum.
Regions Financial Corporation generated $2.23B in TTM net income, with quarterly EBITDA of $714.00M. The operating margin expanded from 58.0% to 61.7%, suggesting improving cost efficiency and pricing discipline.
The spread between operating margin (61.7%) and net margin (48.3%) indicates moderate non-operating costs. Net margin has improved from 45.8% a year ago, signaling stronger bottom-line efficiency.
RF trades at a P/E of 9.8x (below the broader market average) and a P/S of 4.7x. The price-to-book ratio of 1.2x reflects a moderate premium to book value.
The company generated $867.00M in free cash flow over the trailing twelve months, a 18.7% decrease year-over-year, indicating cash generation ability. The balance sheet shows $160.74B in total assets with $3.14B in long-term debt against $18.78B in stockholders equity for a debt-to-equity ratio of 0.2, a conservative capital structure. Data based on the most recent quarterly reports.
Competitive analysis based on 21 quarters of fundamental data
Operating margins are under pressure, averaging 5.2%. The business may lack pricing power or face rising costs.'
ROE is positive at ~10.8% on average, adequate but below the threshold typically associated with wide moats.
6 of the last 8 quarters generated positive FCF. The company generally funds itself but has occasional cash consumption quarters.
TTM revenue has grown consistently (6 of 7 quarters up), with ~6.2% growth over the period. Strong demand durability.
Data-driven red flags and warnings across 21 quarters
Operating margins dropped 41.3% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.
FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.
D/E ratio is 0.2 — conservative capital structure with low financial risk.
Revenue is stable or growing over recent quarters — demand appears durable.
FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.
Shares decreased 5.9% — net buybacks are reducing shares outstanding and boosting per-share value.
Quarterly standardized metrics.
Stock price and market valuation
Revenue and earnings growth across quarters
Assets, cash, debt, and leverage
Price multiples and return ratios
Operating efficiency and return metrics
Free cash flow, earnings quality, and capital allocation