Regions Financial Earnings: Strength of Deposit Franchise Demonstrated; Shares Undervalued
Regions Financial reported good third-quarter results, with net interest margin expanding 2 basis points from the last quarter.
Regions Financial Corp RF
Bulls Say, Bears Say
Bulls
Regions Financial has one of the best deposit franchises in our coverage, and the bank’s hedging program reduces its net interest margin’s sensitivity to declining short-term interest rates. The bank’s net interest margin could continue to outperform peers in the short term.
Bears
The bank has not been growing its loan book as fast as some of its regional bank peers, despite a footprint in the US south with better growth prospects. This could drive proportionately slower balance sheet growth and modest ongoing market share losses if uncorrected.
News
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Regions Financial Corp. to Participate in Goldman Sachs 2026 Financial Services Conference
Regions Bank Ranked No. 1 by JD Power in Small Business Banking Satisfaction
Wage growth hits 5-year low as American workers find their take-home pay is 'stretched thinner and thinner'
Regions Bank Expands Treasury Management Capabilities Through Clip Money and NCR Atleos
Regions Private Wealth Management Earns 2026 Datos Impact Award for Best Innovation in Financial Planning
Regions Reports Earnings of $611 Million and EPS of $0.71 in 3Q 2026
Regions Financial Corp. Declares Quarterly Common and Preferred Stock Dividends
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Trading Information
- Previous Close Price
- $28.70
- Day Range
- $28.41–28.81
- 52-Week Range
- $24.03–32.47
- Bid/Ask
- $28.50 / $28.99
- Shares Outstanding
- 848.85M
- Market Cap
- $24.31B
- Volume/Avg
- 8M / 9M
Key Statistics
- Price/Earnings (Normalized)
- 11.48
- Price/Sales
- 3.23
- Dividend Yield (Trailing)
- 3.82%
- Dividend Yield (Forward)
- 4.18%
- Dividend Payment Schedule
- Jan, Apr, Jul, Oct
- Total Yield
- 7.86%
Company Profile
Regions Financial is one of the midsize regional banks in the US, with around $160 billion in total assets as of the end of first quarter of 2026. Headquartered in Birmingham, Alabama, Regions Financial has a footprint mostly in the US Southeast. The bank provides a diversified set of financial services in retail banking, commercial banking, card and treasury management, wealth management, and capital markets.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Stock Style Box
- Mid Value
- Total Number of Employees
- 19,969
- Website
- https://www.regions.com
Competitors
Valuation
Metric | RF | TFC | PNC |
|---|---|---|---|
Price/Earnings (Normalized) | 11.48 | 12.52 | 12.99 |
Price/Book Value | 1.48 | 1.07 | 1.47 |
Price/Sales | 3.23 | 3.25 | 3.68 |
Price/Cash Flow | 7.71 | 10.22 | 8.40 |
Price/Earnings
RF
TFC
PNC
Financial Strength
Metric | RF | TFC | PNC |
|---|---|---|---|
Quick Ratio | — | — | — |
Current Ratio | — | — | — |
Interest Coverage | — | — | — |
Quick Ratio
No chart available
Profitability
Metric | RF | TFC | PNC |
|---|---|---|---|
Return on Assets (Normalized) | 1.43% | 0.99% | 1.27% |
Return on Equity (Normalized) | 13.25% | 9.24% | 12.45% |
Return on Invested Capital (Normalized) | — | — | — |
Return on Assets
RF
TFC
PNC
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United States