Regions Financial (RF)
Market Price (12/29/2025): $27.8 | Market Cap: $24.7 BilSector: Financials | Industry: Regional Banks
Regions Financial (RF)
Market Price (12/29/2025): $27.8Market Cap: $24.7 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2%, FCF Yield is 9.1% | Trading close to highsDist 52W High is -0.2%, Dist 3Y High is -0.2% | Key risksRF key risks include [1] intensifying competition in the Southeastern United States which could pressure market share and profitability. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -121% | Weak multi-year price returns3Y Excs Rtn is -28% | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 31%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30%, CFO LTM is 2.3 Bil, FCF LTM is 2.2 Bil | Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11% | |
| Low stock price volatilityVol 12M is 29% | ||
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 24% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2%, FCF Yield is 9.1% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -121% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 31%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30%, CFO LTM is 2.3 Bil, FCF LTM is 2.2 Bil |
| Low stock price volatilityVol 12M is 29% |
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 24% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Trading close to highsDist 52W High is -0.2%, Dist 3Y High is -0.2% |
| Weak multi-year price returns3Y Excs Rtn is -28% |
| Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11% |
| Key risksRF key risks include [1] intensifying competition in the Southeastern United States which could pressure market share and profitability. |
Why The Stock Moved
Qualitative Assessment
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1. Strong Third-Quarter Earnings: Regions Financial's third-quarter earnings significantly exceeded market expectations, reporting a robust revenue of $7.08 billion and a profit margin of 28.67%.
2. Strategic Share Repurchase Program: The company's board authorized a $3.0 billion share buyback program, allowing the repurchase of up to 12.9% of its outstanding shares. This program signals strong management confidence in the company's valuation.
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Stock Movement Drivers
Fundamental Drivers
The 5.5% change in RF stock from 9/28/2025 to 12/28/2025 was primarily driven by a 2.0% change in the company's Net Income Margin (%).| 9282025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 26.35 | 27.79 | 5.45% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 7294.00 | 7420.00 | 1.73% |
| Net Income Margin (%) | 28.48% | 29.06% | 2.04% |
| P/E Multiple | 11.39 | 11.47 | 0.69% |
| Shares Outstanding (Mil) | 898.00 | 890.00 | 0.89% |
| Cumulative Contribution | 5.45% |
Market Drivers
9/28/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| RF | 5.5% | |
| Market (SPY) | 4.3% | 50.5% |
| Sector (XLF) | 3.3% | 81.3% |
Fundamental Drivers
The 21.4% change in RF stock from 6/29/2025 to 12/28/2025 was primarily driven by a 11.5% change in the company's P/E Multiple.| 6292025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 22.88 | 27.79 | 21.44% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 7120.00 | 7420.00 | 4.21% |
| Net Income Margin (%) | 28.30% | 29.06% | 2.67% |
| P/E Multiple | 10.29 | 11.47 | 11.50% |
| Shares Outstanding (Mil) | 906.00 | 890.00 | 1.77% |
| Cumulative Contribution | 21.40% |
Market Drivers
6/29/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| RF | 21.4% | |
| Market (SPY) | 12.6% | 47.2% |
| Sector (XLF) | 7.4% | 70.8% |
Fundamental Drivers
The 22.1% change in RF stock from 12/28/2024 to 12/28/2025 was primarily driven by a 17.5% change in the company's Net Income Margin (%).| 12282024 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 22.75 | 27.79 | 22.14% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 7079.00 | 7420.00 | 4.82% |
| Net Income Margin (%) | 24.72% | 29.06% | 17.54% |
| P/E Multiple | 11.88 | 11.47 | -3.46% |
| Shares Outstanding (Mil) | 914.00 | 890.00 | 2.63% |
| Cumulative Contribution | 22.06% |
Market Drivers
12/28/2024 to 12/28/2025| Return | Correlation | |
|---|---|---|
| RF | 22.1% | |
| Market (SPY) | 17.0% | 72.0% |
| Sector (XLF) | 15.3% | 80.8% |
Fundamental Drivers
The 47.3% change in RF stock from 12/29/2022 to 12/28/2025 was primarily driven by a 30.0% change in the company's P/E Multiple.| 12292022 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 18.87 | 27.79 | 47.26% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 6843.00 | 7420.00 | 8.43% |
| Net Income Margin (%) | 29.20% | 29.06% | -0.48% |
| P/E Multiple | 8.82 | 11.47 | 30.04% |
| Shares Outstanding (Mil) | 934.00 | 890.00 | 4.71% |
| Cumulative Contribution | 46.93% |
Market Drivers
12/29/2023 to 12/28/2025| Return | Correlation | |
|---|---|---|
| RF | 56.6% | |
| Market (SPY) | 48.4% | 60.8% |
| Sector (XLF) | 51.8% | 78.9% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| RF Return | -2% | 39% | 2% | -6% | 27% | 23% | 107% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| RF Win Rate | 58% | 67% | 58% | 42% | 75% | 58% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| RF Max Drawdown | -57% | -1% | -15% | -33% | -8% | -21% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL. See RF Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | RF | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -44.9% | -25.4% |
| % Gain to Breakeven | 81.4% | 34.1% |
| Time to Breakeven | 376 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -57.1% | -33.9% |
| % Gain to Breakeven | 133.2% | 51.3% |
| Time to Breakeven | 294 days | 148 days |
| 2018 Correction | ||
| % Loss | -37.5% | -19.8% |
| % Gain to Breakeven | 60.0% | 24.7% |
| Time to Breakeven | 785 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -93.4% | -56.8% |
| % Gain to Breakeven | 1420.8% | 131.3% |
| Time to Breakeven | Not Fully Recovered days | 1,480 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
Regions Financial's stock fell -44.9% during the 2022 Inflation Shock from a high on 1/14/2022. A -44.9% loss requires a 81.4% gain to breakeven.
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AI Analysis | Feedback
A regional Bank of America.
Wells Fargo, but primarily serving the Southern and Midwestern U.S.
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- Deposit Accounts (Banking Services): Provides various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Consumer Loans (Lending): Offers personal loans, auto loans, and other installment loans to individual customers.
- Mortgage Loans (Lending): Provides residential mortgage lending and refinancing services to individuals.
- Commercial Loans (Lending): Offers term loans, lines of credit, and other financing solutions to businesses of all sizes.
- Wealth Management (Investment Services): Delivers investment management, financial planning, trust and estate services, and private banking for high-net-worth clients.
- Treasury Management Services (Business Banking Services): Provides cash management, payment processing, fraud prevention, and other financial solutions for businesses.
- Credit and Debit Cards (Payment Services): Issues various credit cards for consumer and business use, and debit cards linked to deposit accounts.
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Regions Financial (RF) is a diversified financial services company operating primarily through its subsidiary, Regions Bank. As a regional bank, it serves a broad base of customers rather than a few major corporate clients. Therefore, it primarily sells its financial products and services to individuals and businesses across various categories.
The major categories of customers that Regions Financial serves are:
- Individuals (Consumer Banking): This category includes a vast number of individual consumers and households who utilize a wide range of personal banking products and services. These include checking and savings accounts, money market accounts, certificates of deposit (CDs), credit cards, debit cards, residential mortgage loans, home equity loans, auto loans, and various personal loans.
- Businesses (Commercial Banking): This broad category encompasses businesses of all sizes, from small businesses and sole proprietorships to middle-market companies and large corporations. Regions provides them with business checking and savings accounts, lines of credit, term loans, commercial real estate lending, equipment financing, treasury management services (e.g., cash management, payment solutions), foreign exchange, and various other corporate banking and lending solutions.
- Wealth Management Clients: This specialized category includes affluent individuals, families, and institutional clients. Regions offers tailored wealth management services such as investment management, financial planning, trust and estate services, private banking, and insurance services to help clients manage and grow their assets.
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- Fiserv, Inc. (FI)
- Visa Inc. (V)
- Mastercard Incorporated (MA)
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John M. Turner, Jr. Chairman, President and Chief Executive Officer
John M. Turner, Jr. was appointed Chief Executive Officer of Regions Financial in July 2018 and became Chairman in April 2024. He joined Regions in 2011 as President of the South Region and was named Head of the Corporate Bank in 2014. Prior to joining Regions, Mr. Turner served as President of Whitney National Bank and Whitney Holding Corporation from 2008 to 2011. He began his career at AmSouth Bank, where he spent nine years in various senior consumer, commercial, and business positions before joining Whitney in 1994 as its Alabama regional president.
David J. Turner, Jr. Senior Executive Vice President, Chief Financial Officer
David J. Turner, Jr. has served as Chief Financial Officer and Senior Executive Vice President of Regions Financial since 2010. He joined Regions in 2005 and previously led the Internal Audit Division. Before his tenure at Regions, Mr. Turner was an Audit Partner at KPMG LLP. He also held multiple positions at Arthur Andersen, including Senior Auditor, Audit Manager, and Audit Partner, with a primary focus on financial institutions.
Kate R. Danella Senior Executive Vice President, Head of Consumer Banking Group
Kate R. Danella is the Senior Executive Vice President and Head of the Consumer Banking Group at Regions. She joined Regions in 2015 as the Wealth Strategy and Effectiveness Executive, later leading Private Wealth Management and serving as Head of Strategic Planning and Consumer Bank Products and Origination Partnerships. She was elevated to lead the Consumer Banking Group in 2022, after previously serving as Chief Strategy and Client Experience Officer. Before joining Regions, Ms. Danella spent 13 years at Capital Group Companies, a global wealth management organization, where she held leadership roles in sales, strategy, client services, and marketing.
David R. Keenan Senior Executive Vice President, Chief Administrative and Human Resources Officer
David R. Keenan has been Senior Executive Vice President and Chief Administrative and Human Resources Officer at Regions Financial since 2020. Prior to this, he served as the Chief Human Resources Officer and Head of Human Resources for the company. Earlier in his career, he held the position of Director of Human Resources at Frito-Lay.
Tara A. Plimpton Senior Executive Vice President, Chief Legal Officer and Corporate Secretary
Tara A. Plimpton serves as Senior Executive Vice President, Chief Legal Officer and Corporate Secretary for Regions Financial Corporation. She joined Regions in 2020. Previously, Ms. Plimpton spent 18 years at General Electric, most recently as Vice President and General Counsel for GE Global Operations. She also served as Managing Partner of a law firm.
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Regions Financial (RF) faces several key risks inherent to the banking industry. The most significant risks include:1. Economic Uncertainties and Market Risks
Regions Financial's operations are highly susceptible to macroeconomic factors, including fluctuations in interest rates, inflation, and changes in property values. Adverse economic conditions, such as a downturn, can negatively impact lending activities, asset values, and overall financial performance. Interest rate volatility, in particular, can significantly affect the bank's net interest income. Furthermore, the potential for greater credit losses in loan portfolios than anticipated remains a constant threat to earnings.2. Regulatory and Compliance Risks
As a financial institution, Regions Financial is subject to stringent and evolving regulatory requirements. Changes in trade, monetary, and fiscal policies, as well as new laws and regulations, can impose additional costs, limit operational flexibility, and affect the bank's business model and product offerings. Compliance with capital and liquidity requirements, including stress testing and capital planning, also demands significant resources.3. Competition and Technological Disruptions
The banking sector is intensely competitive, with Regions Financial facing pressure from other traditional banks, fintech companies, and digital banking platforms. This intensifying competition, particularly in the Southeastern United States, can lead to pressure on pricing, market share, and profitability. Additionally, the rapid pace of technological change necessitates continuous innovation and investment to prevent the obsolescence of existing banking platforms and services, posing a threat to the bank's ability to attract and retain customers.AI Analysis | Feedback
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Regions Financial (symbol: RF) offers a range of financial products and services, primarily in the areas of commercial banking, consumer (retail) banking, wealth management, and mortgage services in the United States.
The addressable market sizes for these main products and services in the U.S. are as follows:
- Commercial Banking: The U.S. commercial banking market is estimated at approximately $732.5 billion in 2025 and is forecasted to reach $915.45 billion by 2030, growing at a compound annual growth rate (CAGR) of 4.56%.
- Consumer (Retail) Banking: The U.S. retail banking market is valued at approximately $0.87 trillion (or $870 billion) in 2025 and is projected to reach $1.08 trillion by 2030, with a CAGR of 4.22%.
- Wealth Management: The U.S. wealth management market, based on Assets Under Management (AUM), held the largest share globally with $64.4 trillion in 2024, and is expected to reach $87.35 trillion by 2028. In 2025, the United States holds 54.2% of the total global AUM, which is projected to be $162 trillion, equating to approximately $87.7 trillion for the U.S.
- Mortgage Services: The U.S. home loan market stood at approximately $2.29 trillion in 2025 and is forecasted to grow to $3.02 trillion by 2030, advancing at a 5.63% CAGR.
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Regions Financial (RF) is expected to drive future revenue growth over the next 2-3 years through several key strategies, including net interest income expansion, diversified fee income growth, strategic investments in technology and talent, and stable loan and deposit growth.
1. Net Interest Income (NII) Growth and Net Interest Margin (NIM) Expansion
Regions Financial anticipates continued growth in its Net Interest Income (NII), with management guiding for a 3-4% increase for the full year 2025. This growth is expected to be fueled by several factors, including the maturities of Certificates of Deposit (CDs), turnover in its front and back-book portfolios, strategic securities repositioning, and disciplined actions to manage deposit costs. The company also projects its Net Interest Margin (NIM) to rebound to the mid-3.60s in the fourth quarter of 2025 and to continue an upward trajectory into 2026. Lower deposit costs and higher returns from fixed-rate assets are also expected to contribute positively to NII. Additionally, potential Federal Reserve rate cuts are seen as a factor that could encourage lending activity and further support NII growth.
2. Diversified Fee Income Growth
A significant driver of future revenue for Regions Financial is the expected growth in its diversified fee income. Adjusted non-interest income is projected to increase by 4-5% for 2025. Key components contributing to this growth include wealth management, capital markets, and treasury management services. Wealth management has consistently delivered record-setting income, driven by elevated sales activity and favorable market conditions, showing an impressive compounded annual growth rate of over 8% since 2018. Capital markets income has also reached record highs, benefiting from increased merger and acquisition (M&A) advisory activity, commercial swap sales, loan syndications, and debt underwriting. Furthermore, treasury management services are expected to maintain their strong growth pace. The company's commitment to diversifying its revenue streams through various product offerings and services underpins these growth prospects.
3. Strategic Investments in Technology and Talent for Market Expansion
Regions Financial is actively investing in technology and talent to enhance its capabilities and expand its market presence. The company is making ongoing technology investments, including plans for a cloud-based commercial loan system in 2026 and pilots for a new deposit system in late 2026, with full conversion expected in 2027. These technological upgrades are anticipated to improve operational efficiency, enhance customer service, and ultimately support revenue growth. Alongside technology, Regions Financial is implementing targeted banker hires in priority markets to further drive business development. The bank's strategic expansion in high-growth areas like the Southeast, Texas, and the Midwest is supported by these experienced teams and technological investments.
4. Stable to Modest Loan and Deposit Growth
The company expects stable to modest growth in its loan and deposit portfolios. Regions Financial reported top-quartile deposit growth, with average deposits and accounts increasing across consumer checking, small business, and wealth segments. Management projects average loan balances to be stable to modestly higher in 2025 compared to 2024, with average deposit balances also expected to see modest growth. Positive trends in both deposit and loan pipelines have been noted. While there may be some near-term caution regarding loan demand, particularly from corporate clients, the outlook indicates strengthening loan growth in 2026 as macroeconomic conditions improve and corporate clients increase their line utilization.
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```html[1] Share Repurchases
- Regions Financial's Board of Directors authorized a common stock repurchase program of up to $2.5 billion, initially announced in April 2022 and extended through the fourth quarter of 2025.
- As of September 30, 2024, the company had repurchased approximately 31 million shares for a total cost of $557 million under this program. By the end of 2024, approximately 34 million shares were repurchased, reducing shareholders' equity by $614 million.
- Annual share repurchases amounted to $230 million in 2022, $252 million in 2023, and $348 million in 2024. The bank also repurchased $144 million in shares during the second quarter of 2025.
[2] Share Issuance
- No significant dollar amount of new share issuances was identified within the last 3-5 years. The number of shares outstanding has generally declined from 963 million in 2021 to 898 million in November 2025, indicating that repurchases have been the primary activity related to share count management.
[3] Inbound Investments
- No information is available regarding large strategic or private equity investments made in Regions Financial by third parties.
[4] Outbound Investments
- Regions Bank has completed several acquisitions, including three in 2021 and one in 2020, with a total of 8 acquisitions noted over its history.
- In December 2021, Regions Financial acquired Clearsight Advisors, expanding its mergers and acquisitions advisory capabilities into the technology industry.
- Other notable acquisitions include Sabal Capital Partners, LLC (2021) and EnerBank (2021), both integrated into Regions' Capital Markets division, and Ascentium Capital (2020).
[5] Capital Expenditures
- Regions Financial prioritizes strategic investments in technology and talent, which contributed to 10% year-over-year revenue growth in Q2 2025. Key initiatives include rolling out a new mobile app, upgrading its commercial loan system to a cloud platform, and developing a new cloud-based deposit system.
- The company also focuses on strategic efforts to optimize its real estate portfolio, procure renewable energy, and invest in energy efficiency to reduce operational greenhouse gas emissions and energy use.
- Adjusted non-interest expenses are projected to be flat to up approximately 2% for the full year 2025, reflecting continued investments in talent and technology alongside prudent cost management.
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| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons for Regions Financial
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 52.97 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.4% |
| Rev Chg 3Y Avg | 2.9% |
| Rev Chg Q | 8.3% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 23.8% |
| FCF/Rev LTM | 20.1% |
| FCF/Rev 3Y Avg | 21.6% |
Segment Financials
Revenue by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Consumer Bank | 4,167 | 3,806 | 3,282 | 3,333 | 3,550 |
| Corporate Bank | 2,719 | 2,764 | 2,511 | 2,344 | 1,984 |
| Wealth Management | 647 | 610 | 529 | 484 | 510 |
| Other | 43 | 35 | 116 | 126 | -183 |
| Total | 7,576 | 7,215 | 6,438 | 6,287 | 5,861 |
| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Consumer Bank | 985 | 922 | 641 | 729 | 827 |
| Corporate Bank | 861 | 970 | 844 | 773 | 634 |
| Wealth Management | 160 | 147 | 99 | 95 | 114 |
| Other | 68 | 206 | 937 | -503 | 7 |
| Total | 2,074 | 2,245 | 2,521 | 1,094 | 1,582 |
Price Behavior
| Market Price | $27.79 | |
| Market Cap ($ Bil) | 24.7 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -0.2% | |
| 50 Days | 200 Days | |
| DMA Price | $25.32 | $23.64 |
| DMA Trend | up | indeterminate |
| Distance from DMA | 9.7% | 17.6% |
| 3M | 1YR | |
| Volatility | 25.1% | 28.9% |
| Downside Capture | 82.30 | 102.16 |
| Upside Capture | 91.10 | 106.08 |
| Correlation (SPY) | 50.2% | 72.0% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.82 | 0.98 | 0.93 | 1.13 | 1.09 | 1.15 |
| Up Beta | 0.09 | 0.70 | 0.86 | 1.20 | 0.96 | 1.10 |
| Down Beta | 0.58 | 1.58 | 1.53 | 1.61 | 1.29 | 1.22 |
| Up Capture | 140% | 54% | 31% | 98% | 95% | 127% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 9 | 19 | 28 | 66 | 124 | 385 |
| Down Capture | 84% | 99% | 98% | 85% | 109% | 105% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 8 | 20 | 31 | 54 | 118 | 350 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of RF With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| RF | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 22.0% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 28.7% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | 0.69 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 80.8% | 72.0% | -8.4% | 25.4% | 60.1% | 24.0% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Comparison of RF With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| RF | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 16.9% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 32.1% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.54 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 80.8% | 58.5% | -3.0% | 19.0% | 50.2% | 23.0% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of RF With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| RF | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 15.1% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 36.3% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.50 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 85.2% | 64.4% | -10.1% | 28.7% | 53.4% | 14.8% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/17/2025 | 1.0% | 3.2% | 6.9% |
| 7/18/2025 | 6.1% | 7.3% | 4.4% |
| 4/17/2025 | 0.7% | 7.1% | 17.8% |
| 1/17/2025 | -1.3% | -0.2% | 0.6% |
| 10/18/2024 | -0.7% | -0.9% | 9.9% |
| 7/19/2024 | 0.0% | 2.1% | -2.7% |
| 4/19/2024 | -0.5% | 3.2% | 6.2% |
| 1/19/2024 | 3.7% | 6.6% | 3.0% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 15 | 19 |
| # Negative | 13 | 10 | 6 |
| Median Positive | 1.5% | 3.2% | 6.9% |
| Median Negative | -1.2% | -1.4% | -3.3% |
| Max Positive | 6.1% | 9.2% | 19.8% |
| Max Negative | -12.4% | -12.4% | -9.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/04/2025 | 10-Q (09/30/2025) |
| 06/30/2025 | 08/05/2025 | 10-Q (06/30/2025) |
| 03/31/2025 | 05/06/2025 | 10-Q (03/31/2025) |
| 12/31/2024 | 02/21/2025 | 10-K (12/31/2024) |
| 09/30/2024 | 11/05/2024 | 10-Q (09/30/2024) |
| 06/30/2024 | 08/06/2024 | 10-Q (06/30/2024) |
| 03/31/2024 | 05/07/2024 | 10-Q (03/31/2024) |
| 12/31/2023 | 02/23/2024 | 10-K (12/31/2023) |
| 09/30/2023 | 11/07/2023 | 10-Q (09/30/2023) |
| 06/30/2023 | 08/08/2023 | 10-Q (06/30/2023) |
| 03/31/2023 | 05/05/2023 | 10-Q (03/31/2023) |
| 12/31/2022 | 02/24/2023 | 10-K (12/31/2022) |
| 09/30/2022 | 11/03/2022 | 10-Q (09/30/2022) |
| 06/30/2022 | 08/05/2022 | 10-Q (06/30/2022) |
| 03/31/2022 | 05/06/2022 | 10-Q (03/31/2022) |
| 12/31/2021 | 02/24/2022 | 10-K (12/31/2021) |
Insider Activity
Expand for More| Owner | Title | Filing Date | Action | Price | Shares | TransactedValue | Value ofHeld Shares | Form | |
|---|---|---|---|---|---|---|---|---|---|
| 0 | Jenkins Roger W. | 8142025 | Buy | 25.48 | 4,000 | 101,906 | 162,616 | Form | |
| 1 | Keenan David R. | SEVP | 8082025 | Sell | 25.01 | 30,000 | 750,279 | 2,273,721 | Form |
| 2 | Willman Brian R | SEVP | 5122025 | Sell | 21.37 | 8,185 | 174,885 | Form | |
| 3 | JOHNSON JOIA M | 3132025 | Buy | 21.18 | 2,300 | 48,702 | 370,266 | Form | |
| 4 | SUQUET JOSE S | 2282025 | Buy | 20.41 | 99 | 2,021 | 645,487 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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