Regions Financial (RF)
Market Price (4/14/2026): $27.85 | Market Cap: $24.3 BilSector: Financials | Industry: Regional Banks
Regions Financial (RF)
Market Price (4/14/2026): $27.85Market Cap: $24.3 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 13%, 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 8.7%, FCF Yield is 8.8% 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 -126% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29%, CFO LTM is 2.2 Bil, FCF LTM is 2.2 Bil Stock buyback supportStock Buyback 3Y Total is 2.5 Bil Low stock price volatilityVol 12M is 26% 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. | 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. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, 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 8.7%, FCF Yield is 8.8% |
| 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 -126% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29%, CFO LTM is 2.2 Bil, FCF LTM is 2.2 Bil |
| Stock buyback supportStock Buyback 3Y Total is 2.5 Bil |
| Low stock price volatilityVol 12M is 26% |
| 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. |
| 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. |
Qualitative Assessment
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Regions Financial (RF) stock has gained about 5% since 12/31/2025 because of the following key factors:
1. Positive Outlook for Net Interest Income (NII) and Loan Growth.
Regions Financial management projected low-single-digit average loan growth and 2.5% to 4% Net Interest Income (NII) growth for the full year 2026. This forward-looking guidance, coupled with an improved net interest margin reported in Q4 2025, instilled investor confidence.
2. Anticipation of Strong Q1 2026 Earnings.
Investors have largely factored in expectations for a slight earnings beat when Regions Financial announces its Q1 2026 results on April 17, 2026. The stock's performance leading up to this announcement, including a 14.9% gain over the past year (as of March 27, 2026), suggests a bullish sentiment in anticipation of favorable financial outcomes.
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1. Positive Outlook for Net Interest Income (NII) and Loan Growth.
Regions Financial management projected low-single-digit average loan growth and 2.5% to 4% Net Interest Income (NII) growth for the full year 2026. This forward-looking guidance, coupled with an improved net interest margin reported in Q4 2025, instilled investor confidence.
2. Anticipation of Strong Q1 2026 Earnings.
Investors have largely factored in expectations for a slight earnings beat when Regions Financial announces its Q1 2026 results on April 17, 2026. The stock's performance leading up to this announcement, including a 14.9% gain over the past year (as of March 27, 2026), suggests a bullish sentiment in anticipation of favorable financial outcomes.
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Stock Movement Drivers
Fundamental Drivers
The 3.7% change in RF stock from 12/31/2025 to 4/13/2026 was primarily driven by a 1.8% change in the company's Shares Outstanding (Mil).| (LTM values as of) | 12312025 | 4132026 | Change |
|---|---|---|---|
| Stock Price ($) | 26.84 | 27.83 | 3.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 7,420 | 7,526 | 1.4% |
| Net Income Margin (%) | 29.1% | 28.6% | -1.4% |
| P/E Multiple | 11.1 | 11.3 | 1.8% |
| Shares Outstanding (Mil) | 890 | 874 | 1.8% |
| Cumulative Contribution | 3.7% |
Market Drivers
12/31/2025 to 4/13/2026| Return | Correlation | |
|---|---|---|
| RF | 3.7% | |
| Market (SPY) | -5.4% | 44.4% |
| Sector (XLF) | -5.7% | 73.9% |
Fundamental Drivers
The 7.7% change in RF stock from 9/30/2025 to 4/13/2026 was primarily driven by a 3.2% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 9302025 | 4132026 | Change |
|---|---|---|---|
| Stock Price ($) | 25.85 | 27.83 | 7.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 7,294 | 7,526 | 3.2% |
| Net Income Margin (%) | 28.5% | 28.6% | 0.6% |
| P/E Multiple | 11.2 | 11.3 | 1.0% |
| Shares Outstanding (Mil) | 898 | 874 | 2.7% |
| Cumulative Contribution | 7.7% |
Market Drivers
9/30/2025 to 4/13/2026| Return | Correlation | |
|---|---|---|
| RF | 7.7% | |
| Market (SPY) | -2.9% | 46.7% |
| Sector (XLF) | -3.8% | 75.8% |
Fundamental Drivers
The 33.5% change in RF stock from 3/31/2025 to 4/13/2026 was primarily driven by a 12.2% change in the company's P/E Multiple.| (LTM values as of) | 3312025 | 4132026 | Change |
|---|---|---|---|
| Stock Price ($) | 20.85 | 27.83 | 33.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 7,083 | 7,526 | 6.3% |
| Net Income Margin (%) | 26.7% | 28.6% | 7.2% |
| P/E Multiple | 10.1 | 11.3 | 12.2% |
| Shares Outstanding (Mil) | 913 | 874 | 4.5% |
| Cumulative Contribution | 33.5% |
Market Drivers
3/31/2025 to 4/13/2026| Return | Correlation | |
|---|---|---|
| RF | 33.5% | |
| Market (SPY) | 16.3% | 68.0% |
| Sector (XLF) | 4.8% | 79.0% |
Fundamental Drivers
The 71.8% change in RF stock from 3/31/2023 to 4/13/2026 was primarily driven by a 67.8% change in the company's P/E Multiple.| (LTM values as of) | 3312023 | 4132026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.20 | 27.83 | 71.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 7,165 | 7,526 | 5.0% |
| Net Income Margin (%) | 31.3% | 28.6% | -8.6% |
| P/E Multiple | 6.7 | 11.3 | 67.8% |
| Shares Outstanding (Mil) | 932 | 874 | 6.6% |
| Cumulative Contribution | 71.8% |
Market Drivers
3/31/2023 to 4/13/2026| Return | Correlation | |
|---|---|---|
| RF | 71.8% | |
| Market (SPY) | 63.3% | 55.9% |
| Sector (XLF) | 67.8% | 75.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| RF Return | 39% | 2% | -6% | 27% | 20% | 2% | 110% |
| Peers Return | 39% | -21% | -0% | 24% | 18% | 5% | 69% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 81% |
Monthly Win Rates [3] | |||||||
| RF Win Rate | 67% | 58% | 42% | 75% | 58% | 50% | |
| Peers Win Rate | 70% | 47% | 43% | 58% | 57% | 50% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| RF Max Drawdown | -1% | -15% | -33% | -8% | -21% | -7% | |
| Peers Max Drawdown | -3% | -28% | -35% | -7% | -21% | -7% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PNC, TFC, USB, FITB, KEY. 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] 2026 data is for the year up to 4/13/2026 (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 PNC, TFC, USB, FITB, KEY
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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About Regions Financial (RF)
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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Here are 1-3 brief analogies for Regions Financial (RF):
- A Bank of America for the Southern and Midwestern U.S.
- A JPMorgan Chase for the South, Midwest, and Texas.
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- Commercial & Industrial Lending: Provides loans for commercial and industrial businesses, commercial real estate, investor real estate, and equipment lease financing.
- Consumer Lending: Offers residential mortgages, home equity lines and loans, consumer credit cards, and other consumer loans.
- Deposit Products: Provides checking, savings, and other deposit accounts for individual and corporate customers.
- Wealth Management: Delivers credit products, retirement and savings solutions, trust and investment management, asset management, and estate planning services.
- Corporate Advisory & Capital Markets: Offers securities underwriting and placement, loan syndication, foreign exchange, derivatives, and merger and acquisition advisory services.
- Investment & Insurance Products: Provides various investment and insurance offerings.
- Specialty Financing: Includes low-income housing tax credit corporate fund syndication and other specialized financing services.
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Major Customers of Regions Financial (RF)
Regions Financial Corporation serves a diverse base of customers across its operating segments. Given that the company provides banking and bank-related services to both individual and corporate clients, and does not disclose specific major corporate customers by name, its major customers can be categorized as follows:- Individuals: This category includes customers served by the Consumer Bank segment for products and services like residential mortgages, home equity lines and loans, consumer credit cards, and other consumer loans and deposits. Individuals are also served by the Wealth Management segment for credit products, retirement and savings solutions, and estate planning services.
- Corporate and Commercial Clients: This includes corporate, middle market, and commercial real estate developers and investors, as served by the Corporate Bank segment. Services for these clients include commercial and industrial lending, commercial real estate financing, equipment lease financing, deposit products, and various advisory services. Businesses are also served by the Wealth Management segment for credit, retirement, and asset management solutions.
- Institutional and Non-profit Entities: The Wealth Management segment provides trust and investment management, asset management, and other specialized services to governmental institutions and non-profit entities.
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John M. Turner, Jr., Chairman, President and Chief Executive Officer
John M. Turner, Jr. was named Chairman, President and Chief Executive Officer of Regions Financial Corporation in April 2024. He joined Regions in 2011, becoming President in 2017 and Chief Executive Officer in 2018. Before joining Regions, he served as president of Whitney National Bank and Whitney Holding Corporation from 2008 to 2011, and held various senior consumer, commercial, and business positions during nine years at AmSouth Bank.
Anil Chadha, Incoming Chief Financial Officer (effective March 31, 2026); currently Controller and Head of Corporate Finance
Anil Chadha is set to become Chief Financial Officer of Regions Financial Corporation on March 31, 2026, succeeding David Turner who is retiring. He joined Regions in 2011 and has served as Controller since December 2021 and Head of Corporate Finance since December 2023. Prior to his time at Regions, Chadha held roles in finance and treasury at Ally Financial, Wachovia/Wells Fargo, and Capital One.
Kate R. Danella, Senior Executive Vice President, Head of Consumer Banking Group
Kate R. Danella became the Head of the Consumer Banking Group in May 2022. She joined Regions in 2015 and previously served as Chief Strategy and Client Experience Officer, where she led significant growth in new deposit accounts and loans through digital channels. Her past roles at Regions also include leading Private Wealth Management and serving as Head of Strategic Planning and Consumer Bank Products and Origination Partnerships. Before joining Regions, she held leadership positions at Capital Group Companies.
Scott Peters, Senior Executive Vice President, Chief Transformation Officer
Scott Peters was appointed Chief Transformation Officer in May 2022. In this role, he leads the company's multi-year initiative to replace its core operating systems. Peters joined Regions in 2004 and previously served as Head of the Consumer Banking Group, overseeing modernization efforts in the branch network and advancements in mortgage services, indirect consumer lending, and marketing strategies. His career prior to Regions includes leadership roles with Fidelity Personal Investments, KeyCorp, and Citibank.
Tara A. Plimpton, Senior Executive Vice President, Chief Legal Officer and Corporate Secretary
Tara A. Plimpton serves as Chief Legal Officer and Corporate Secretary for Regions Financial Corporation. She joined Regions in 2020 following an 18-year career at General Electric, where her most recent position was Vice President and General Counsel for GE Global Operations.
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The key risks to Regions Financial (RF) include its significant dependence on the interest rate environment, credit risks associated with its loan portfolios, and the ongoing impact of regulatory changes in the financial sector.- Dependence on the Interest Rate Environment: Regions Financial's performance is highly sensitive to fluctuations in interest rates. Shifts in the interest rate environment can directly impact the bank's net interest income, which is a crucial revenue stream derived from its lending activities. An unfavorable change in interest rates, or the shape of the yield curve, could put pressure on profitability.
- Credit Risks: The company faces the potential for greater credit losses in its loan portfolios than anticipated, which could materially affect its earnings. Regions Financial has shown increased provisions for credit losses, signaling a cautious approach to potential loan defaults. These credit risks can stem from underlying weaknesses in the loan portfolio or broader economic challenges that impact the financial stability of its customers, potentially leading to reduced demand for banking services and increased loan defaults.
- Regulatory Changes: As a financial holding company, Regions Financial operates in a highly regulated environment. Changes in laws, financial regulations, or governmental policies could impose additional compliance costs, restrict the bank's operations, or necessitate significant changes to its business model. The financial sector is subject to stringent regulation, and shifts in regulatory policy pose ongoing threats.
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Regions Financial faces clear emerging threats from:
- Digital-first challenger banks (neobanks) and fintech companies: These entities, often unburdened by legacy infrastructure, offer superior digital experiences, lower fees, and faster services for deposits, payments, and consumer lending, directly competing with Regions' Consumer Bank segment and potentially parts of its Corporate Bank offerings for smaller businesses.
- Big Tech companies entering financial services: Companies like Apple, Google, and Amazon are leveraging their vast user bases and technological capabilities to offer payment solutions, credit cards, and potentially other banking services, often controlling the customer relationship and data, thereby disintermediating traditional banks like Regions.
- Specialized online lenders and robo-advisors: For specific financial products (e.g., mortgages, small business loans, investment management), online-only providers offer streamlined processes, competitive rates, and automated advice, drawing customers away from Regions' Consumer Bank, Corporate Bank, and Wealth Management segments.
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Regions Financial (symbol: RF) operates across three main segments: Corporate Bank, Consumer Bank, and Wealth Management. The addressable markets for their key products and services in the U.S. are substantial, as detailed below.
Corporate Bank Segment
- Commercial and Industrial (C&I) Lending: The market for loans to the private sector in the United States increased to $2,743 billion in January 2026 from $2,709.74 billion in December 2025. North America's commercial lending market, a broader category including C&I, is projected to reach a valuation of $2,892.50 billion by 2025. The overall commercial lending market, which encompasses C&I and commercial real estate lending, was valued at $8,823.53 billion in 2020 and is projected to reach $29,379.83 billion by 2030 globally.
- Commercial Real Estate (CRE) Lending: Total commercial real estate mortgage borrowing and lending in the U.S. is estimated to have been $498 billion in 2024. The U.S. CRE mortgage market, covering income-producing properties, is approximately $4.5 trillion, with an additional $467 billion in construction loans.
- Investment Banking Services (including securities underwriting, loan syndication, M&A advisory): The U.S. investment banking market is projected to grow from $54.74 billion in 2025 to $56.68 billion in 2026, and is forecast to reach $67.47 billion by 2031. Another assessment values the U.S. investment banking market at approximately $135 billion, driven by M&A and underwriting activities. The Investment Banking & Securities Intermediation market in the U.S. was sized at $481.7 billion in 2026.
Consumer Bank Segment
- Residential First Mortgages, Home Equity Lines and Loans: The U.S. home mortgage market size was approximately $180.91 billion in 2023 and is predicted to grow to around $501.67 billion by 2032. Total single-family mortgage origination volume in the U.S. is expected to increase to $2.2 trillion in 2026 from $2.0 trillion in 2025. The total U.S. mortgage market, representing outstanding debt, is approximately $14.5 trillion. The dollar volume of new mortgages originated in the U.S. was $159.2 billion in July 2025.
- Consumer Credit Cards: Outstanding balances in the U.S. consumer credit card sector reached $1.12 trillion in 2023. This figure further exceeded $1.2 trillion in 2024. The total purchase volume on consumer credit cards in the U.S. increased to $3.6 trillion in 2024. The total credit line across all consumer credit cards in the U.S. increased to over $5.7 trillion in 2024.
Wealth Management Segment
- Retirement and Savings Solutions, Trust and Investment Management, Asset Management, Estate Planning Services, Investment and Insurance Products: The U.S. wealth management market oversees approximately "trillions" in assets under management (AUM). While specific total AUM figures vary, the wealth management platform market in North America was valued at $1.26 billion in 2025 and $1.4 billion in 2026. The broader wealth management platform market size in the U.S. was recorded at $4.82 billion in 2023 and is expected to reach $15.8 billion by 2032.
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Regions Financial (RF) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- Net Interest Income (NII) and Net Interest Margin (NIM) Expansion: Regions Financial anticipates continued growth in net interest income, with projections for 2025 and 2026 indicating increases in the low to mid-single digits. This growth is expected to be fueled by prudent funding cost management, including lower deposit pricing, as well as the re-pricing of fixed-rate assets and additional securities repositioning. The company also expects its net interest margin to rebound and trend into the mid-3.70s by the fourth quarter of 2026, providing positive momentum into 2026.
- Robust Non-Interest Income Growth, Driven by Wealth Management and Capital Markets: The company has seen and expects continued strong performance in its non-interest income segments. Wealth Management has consistently delivered record-setting income, driven by elevated sales activity and favorable market conditions. Additionally, while Capital Markets income has seen some fluctuations, it is expected to rebound, with quarterly revenue projected to be in the $90 million to $105 million range. Growth in service charges, stemming from increased account openings, also contributes to non-interest income.
- Accelerated Loan Growth: Regions Financial expects to achieve low single-digit average loan growth in 2026. This anticipated growth is supported by strengthening loan pipelines, improving customer sentiment, and strategic initiatives such as hiring additional bankers to expand commercial lending momentum.
- Strategic Market Expansion and Customer Acquisition: The company plans to expand its physical footprint by building 135-150 new branches over the next five years, with a strategic focus on high-growth markets like Florida, Atlanta, and Tennessee. This expansion, coupled with opportunities to acquire new customers and bankers due to competitor merger and acquisition disruptions, is expected to drive customer growth and market share.
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Share Repurchases
- Regions Financial's Board of Directors authorized a new $3.0 billion share repurchase program, effective from January 1, 2026, through December 31, 2027. This program will supersede the prior authorization.
- The company repurchased $430 million in shares during the fourth quarter of 2025.
- Annual share repurchases amounted to $348 million in 2024 and $252 million in 2023.
Share Issuance
- Regions Financial's shares outstanding have decreased over the past few years, including a 2.4% decline in 2025 from 2024, a 2.13% decline in 2024 from 2023, and a 0.42% decline in 2023 from 2022. This indicates that share repurchases have generally outpaced any share issuances.
Capital Expenditures
- Regions Financial is engaged in a multi-year core system modernization initiative, with expected production in the third quarter of 2026 and customer conversion in early 2027.
- The company's technology spending is projected to increase to 10-12% of revenue, up from 9-11%, aimed at driving efficiency and supporting positive operating leverage in 2026.
Latest Trefis Analyses
Trade Ideas
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| 03202026 | RYAN | Ryan Specialty | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | -2.7% | -2.7% | -8.5% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 49.92 |
| Mkt Cap | 48.2 |
| Rev LTM | 14,555 |
| Op Inc LTM | - |
| FCF LTM | 4,094 |
| FCF 3Y Avg | 4,457 |
| CFO LTM | 4,449 |
| CFO 3Y Avg | 4,730 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 8.8% |
| Rev Chg 3Y Avg | 4.6% |
| Rev Chg Q | 7.4% |
| QoQ Delta Rev Chg LTM | 1.8% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 28.6% |
| CFO/Rev 3Y Avg | 31.9% |
| FCF/Rev LTM | 28.4% |
| FCF/Rev 3Y Avg | 31.2% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 48.2 |
| P/S | 3.2 |
| P/EBIT | - |
| P/E | 12.2 |
| P/CFO | 11.0 |
| Total Yield | 11.6% |
| Dividend Yield | 3.3% |
| FCF Yield 3Y Avg | 10.9% |
| D/E | 0.6 |
| Net D/E | -0.5 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 13.0% |
| 3M Rtn | 3.5% |
| 6M Rtn | 20.3% |
| 12M Rtn | 52.7% |
| 3Y Rtn | 95.3% |
| 1M Excs Rtn | 8.6% |
| 3M Excs Rtn | 3.4% |
| 6M Excs Rtn | 14.7% |
| 12M Excs Rtn | 18.4% |
| 3Y Excs Rtn | 26.9% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Consumer Bank | 3,871 | 4,167 | 3,806 | 3,282 | 3,333 |
| Corporate Bank | 2,718 | 2,719 | 2,764 | 2,511 | 2,344 |
| Wealth Management | 665 | 647 | 610 | 529 | 484 |
| Other | -171 | 43 | 35 | 116 | 126 |
| Total | 7,083 | 7,576 | 7,215 | 6,438 | 6,287 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Consumer Bank | 900 | 985 | 922 | 641 | 729 |
| Corporate Bank | 815 | 861 | 970 | 844 | 773 |
| Wealth Management | 153 | 160 | 147 | 99 | 95 |
| Other | 25 | 68 | 206 | 937 | -503 |
| Total | 1,893 | 2,074 | 2,245 | 2,521 | 1,094 |
Price Behavior
Price Behavior
| Market Price | $27.83 | |
| Market Cap ($ Bil) | 24.3 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -9.2% | |
| 50 Days | 200 Days | |
| DMA Price | $27.60 | $26.02 |
| DMA Trend | up | down |
| Distance from DMA | 0.8% | 6.9% |
| 3M | 1YR | |
| Volatility | 28.9% | 25.6% |
| Downside Capture | 0.32 | 0.41 |
| Upside Capture | 93.45 | 110.59 |
| Correlation (SPY) | 40.0% | 53.4% |
RF Betas & Captures as of 3/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.83 | 0.97 | 0.97 | 0.96 | 1.07 | 1.11 |
| Up Beta | -0.57 | 0.40 | 1.17 | 0.82 | 0.95 | 1.05 |
| Down Beta | 0.45 | 0.92 | 0.75 | 1.08 | 1.30 | 1.17 |
| Up Capture | 91% | 98% | 104% | 94% | 111% | 133% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 11 | 24 | 34 | 68 | 139 | 390 |
| Down Capture | 111% | 113% | 104% | 95% | 101% | 103% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 11 | 18 | 29 | 55 | 106 | 346 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RF | |
|---|---|---|---|---|
| RF | 45.3% | 26.0% | 1.40 | - |
| Sector ETF (XLF) | 10.5% | 15.6% | 0.45 | 74.8% |
| Equity (SPY) | 18.7% | 13.7% | 1.06 | 57.5% |
| Gold (GLD) | 53.7% | 27.6% | 1.55 | -5.3% |
| Commodities (DBC) | 25.2% | 16.2% | 1.37 | 4.1% |
| Real Estate (VNQ) | 14.8% | 14.0% | 0.76 | 42.1% |
| Bitcoin (BTCUSD) | -11.7% | 43.0% | -0.17 | 22.2% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RF | |
|---|---|---|---|---|
| RF | 10.1% | 31.6% | 0.35 | - |
| Sector ETF (XLF) | 10.1% | 18.7% | 0.42 | 79.7% |
| Equity (SPY) | 11.1% | 17.0% | 0.50 | 58.8% |
| Gold (GLD) | 21.8% | 17.8% | 1.01 | -1.1% |
| Commodities (DBC) | 11.7% | 18.8% | 0.51 | 18.6% |
| Real Estate (VNQ) | 3.7% | 18.8% | 0.10 | 50.1% |
| Bitcoin (BTCUSD) | 4.6% | 56.6% | 0.30 | 19.9% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RF | |
|---|---|---|---|---|
| RF | 17.6% | 36.0% | 0.56 | - |
| Sector ETF (XLF) | 13.0% | 22.2% | 0.54 | 84.9% |
| Equity (SPY) | 13.9% | 17.9% | 0.67 | 63.8% |
| Gold (GLD) | 14.2% | 15.9% | 0.74 | -7.0% |
| Commodities (DBC) | 8.8% | 17.6% | 0.42 | 28.0% |
| Real Estate (VNQ) | 5.2% | 20.7% | 0.22 | 53.1% |
| Bitcoin (BTCUSD) | 67.5% | 66.9% | 1.07 | 14.8% |
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 |
| 1/16/2026 | -2.6% | -3.6% | 4.4% |
| 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% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 14 | 19 |
| # Negative | 13 | 10 | 5 |
| Median Positive | 1.7% | 4.5% | 6.9% |
| Median Negative | -1.2% | -1.0% | -4.0% |
| Max Positive | 6.1% | 9.2% | 19.1% |
| Max Negative | -12.4% | -12.4% | -9.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 02/24/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/06/2025 | 10-Q |
| 12/31/2024 | 02/21/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/06/2024 | 10-Q |
| 03/31/2024 | 05/07/2024 | 10-Q |
| 12/31/2023 | 02/23/2024 | 10-K |
| 09/30/2023 | 11/07/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 11/03/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| 03/31/2022 | 05/06/2022 | 10-Q |
Recent Forward Guidance [BETA]
Latest: Q4 2025 Earnings Reported 1/16/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Effective Tax Rate | 20.5% | 21.0% | 21.5% | ||||
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Jenkins, Roger W | Direct | Buy | 8142025 | 25.48 | 4,000 | 101,906 | 162,616 | Form | |
| 2 | Keenan, David R | SEVP | Direct | Sell | 8082025 | 25.01 | 30,000 | 750,279 | 2,273,721 | Form |
| 3 | Willman, Brian R | SEVP | Direct | Sell | 5122025 | 21.37 | 8,185 | Form | ||
| 4 | Ritter, William D | SEVP | Direct | Sell | 1262026 | 28.78 | 36,000 | 1,036,062 | 505,627 | 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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