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Birmingham, Alabama regional bank serving the South and Midwest with consumer, commercial and wealth banking.
Birmingham, Alabama regional bank serving the South and Midwest with consumer, commercial and wealth banking.
Makes most of its income from the gap between interest on loans and the cost of deposits, with fees from cards, deposit accounts, mortgages and wealth management making up the rest. It narrowed to banking by selling its brokerage Morgan Keegan in 2012, and bought EnerBank, a home-improvement loan platform that lends nationwide, in 2021.
Moat: narrow (scale, distribution). Strong deposit franchise across the South/Midwest with a large branch network.
Headquarters: Birmingham, Alabama, USA · Founded: 1971 · Employees: 19,969
Size Regions Financial (RF) is a United States Financials company (Major Banks) with a market value of $24.1B, the 435th largest of 3,117 United States companies the cockpit tracks. Shares closed at $28.31 on 6 Nov 2026.
Performance Over six months the shares gained 2.5%, against +3.3% for the median peer and -1.1% for the United States market (cap-weighted) — 11th highest of 21 in its peer set.
Growth Revenue grew 0.6% over the last twelve months (peer median +5.3%); the operating margin is 38.1% (peer median 37.1%).
Valuation It trades at 1.46× book value against a peer median of 1.34× (9th most expensive of 21).
Price implies The share price implies a return on equity of about 13.2%; Regions Financial delivers 12.4%, so the price asks more than the business earns today.
Credit Regions Financial has 7 bonds outstanding ($4.70B), rated BBB+ by the agencies and trading like BBB- at a weighted spread of 105 bp.
Short interest Short interest is 6.6% of the free float (15 Oct 2026).
Next results Next results expected around 22 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $9.63B | $9.52B | $9.26B | $9.11B | $7.53B |
| Revenue growth | — | +3% | +2% | +21% | — |
| Net income | $2.29B | $2.16B | $1.89B | $2.07B | $2.25B |
| Free cash flow | n/a | $2.18B | $1.60B | $2.36B | $2.51B |
| Capital expenditure | n/a | $185M | $320M | $348M | $382M |
| Total debt | $10.5B | $5.42B | $7.02B | $2.87B | $2.84B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Regions Financial RF | $24.1B | +2% | +1% | 12% | 1.46× | 13.2% |
| Truist Financial TFC | $59.2B | +1% | -5% | 8% | 1.06× | 9.6% |
| Fifth Third Bancorp FITB | $47.9B | +8% | +15% | 9% | 1.55× | 13.6% |
| Huntington Bancshares HBAN | $31.2B | -3% | +24% | 9% | 1.06× | 10.2% |
| KeyCorp KEY | $22.0B | -3% | +9% | 11% | 1.39× | 13.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | RF | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +4.6% | +1.1% | 6th highest of 21 |
| 6-month return | +2.5% | +3.3% | 11th highest of 21 |
| Return on equity | 12.4% | 11.0% | 8th highest of 21 |
| Price / book | 1.46× | 1.34× | 9th most expensive of 21 |
| Trailing P/E | 11.1× | 12.6× | 7th cheapest of 20 |
| ROE the price implies | 13.2% | 8.3% | 7th most demanding of 21 |
| ROE delivered | 12.4% | 11.9% | 8th highest of 18 |
| Bond spread | 105 bp | 81 bp | 3rd widest of 11 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Regions Financial RF | United States | $24.1B | +2% | +1% | 12% | 1.46× | 13.2% | 12.4% |
| Mega Financial 2886.TW | Taiwan | $24.0B | +37% | +1% | 10% | 1.97× | 5.9% | 10.0% |
| E Sun Financial 2884.TW | Taiwan | $25.2B | +55% | +36% | 15% | 2.70× | 7.6% | 14.7% |
| Bank of Nanjing 601009.SS | China | $22.8B | +5% | +6% | 12% | 0.77× | 2.8% | 11.9% |
| Banco BPM BAMI.MI | Italy | $22.8B | +1% | -4% | 12% | 1.30× | 13.5% | 12.5% |
| Hanafinancialgr 086790.KS | South Korea | $22.5B | -7% | +39% | 10% | 0.79× | 5.3% | n/a |
| KeyCorp KEY | United States | $22.0B | -3% | +9% | 11% | 1.39× | 13.1% | 11.2% |
| Citizens Financial CFG | United States | $26.5B | -1% | +4% | 9% | 1.16× | 11.5% | 8.9% |
| China Minsheng Banking 1988.HK | Hong Kong | $21.9B | -13% | -5% | 4% | 0.20× | 3.8% | 4.2% |
| China Everbright Bank 601818.SS | China | $26.6B | +1% | -7% | 7% | 0.36× | 1.8% | n/a |
| Sumitomo Mitsui Trust Gp 8309.T | Japan | $27.4B | +38% | +5% | 11% | 1.18× | 7.5% | 10.9% |
| Banco Bradesco SA Sponsored ADR Pfd BBD | United States | $27.5B | -32% | +29% | 14% | 0.71× | 6.2% | 14.2% |
| Credicorp BAP | United States | $27.6B | +5% | +24% | 21% | 2.47× | 17.9% | 20.6% |
| ShinhanGroup 055550.KS | South Korea | $29.2B | -13% | +32% | 9% | 0.78× | 5.2% | n/a |
| Banco de Chile Sponsored ADR BCH | United States | $19.6B | +7% | +4% | 22% | 3.15× | 13.6% | 21.8% |
| Banco de Sabadell SAB.MC | Spain | $19.2B | +8% | -35% | 5% | 1.40× | 15.5% | 5.1% |
| BPER Banca BPE.MI | Italy | $30.4B | +2% | +15% | 15% | 1.49× | 18.6% | 14.9% |
| Banca Mediolanum BMED.MI | Italy | $19.1B | +17% | -34% | 30% | 3.73× | 35.6% | 30.1% |
| Huntington Bancshares HBAN | United States | $31.2B | -3% | +24% | 9% | 1.06× | 10.2% | 9.1% |
| Svenska Handelsbanken SHB-A.ST | Sweden | $32.6B | +23% | -14% | 12% | 1.68× | 9.0% | 12.2% |
| First Financial 2892.TW | Taiwan | $17.8B | +44% | +5% | 11% | 1.95× | 5.8% | 10.9% |
Regions Financial has 7 bonds outstanding with $4.70B face value. The agencies rate it BBB+; its bonds trade like BBB-. Weighted yield 5.75%, a spread of 105 bp over government bonds.