Regions Financial (RF) stock
Financials · Regional Banks
Regions Financial (RF) is a Regional Banks company in the Financials sector, headquartered in Birmingham, Alabama. As of October 23, 2026, RF closed at $28.47, a market capitalization of $24.25 billion, the 365th largest company in the S&P 500. Over the last twelve months it generated $7.33 billion in revenue (+5% year over year) and $1.75 billion in free cash flow. The stock trades at 11.2x trailing earnings and 10.0x forward earnings.
- 1-year total return: +22.9% (dividends reinvested)
- 5-year return: +7.8% a year
- 52-week range: $23.59 – $32.47
- Gross margin 0.0%, operating margin 41.3%
- Dividend yield: 4.21%, 13 straight years of increases
- FI Handbook report card: B- across 10 metrics
- 61st largest of 76 Financials stocks in the S&P 500
RF price chart
1Y price change: +18.1% (price only; total returns below include dividends)
| Total return | 1M | YTD | 1Y | 3Y | 5Y | 10Y | MAX |
|---|---|---|---|---|---|---|---|
| RF | +3.9% | +8.2% | +22.9% | +31.8% | +7.8% | +14.5% | +9.6% |
Dividends reinvested. 3Y and longer are annualized; MAX is annualized since 1980.
RF key statistics
- Market cap
- $24.3B
- #365 in S&P 500
- P/E (TTM)
- 11.2x
- Forward P/E
- 10.0x
- EPS (TTM)
- $2.55
- Revenue (TTM)
- $7.3B
- +5%
- Free cash flow
- $1.8B
- Gross margin
- 0.0%
- Operating margin
- 41.3%
- Return on equity
- 12.4%
- Dividend yield
- 4.21%
- 52-week range
- $23.59 – $32.47
- Beta
- 1.06
- Price / sales
- 3.3x
- EV / EBITDA
- —
- Debt / equity
- —
- Employees
- 19,968
RF report card
B-Ten fundamentals graded A to F against fixed thresholds. Not a buy or sell rating.
- Revenue growth5.2%C
- Gross margin0.0%F
- Operating margin41.3%A
- FCF margin23.9%B
- Return on equity12.4%C
- Net debt / EBITDA3.3xD
- Forward P/E10.0xA
- PEG ratio1.6xC
- Shareholder yield6.1%A
- Share count change / yr-5.2%A
Regions Financial financials
Revenue went from $58.0M in fiscal 2016 to $104.0M in fiscal 2021, growing 12.4% a year.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
|---|---|---|---|---|---|---|
| Revenue | $58.0M | $60.0M | $71.0M | $79.0M | $84.0M | $104.0M |
| Operating income | — | — | — | — | — | $46.0M |
| Net income | $1.2B | $1.3B | $1.8B | $1.6B | $1.1B | $2.5B |
| EPS (diluted) | $0.87 | $1.00 | $1.54 | $1.50 | $1.03 | $2.49 |
| Buybacks | $839.0M | $1.3B | $2.1B | $1.1B | $0 | $467.0M |
| Dividends paid | $317.0M | $346.0M | $452.0M | $577.0M | $595.0M | $608.0M |
| Diluted shares | 1.3B | 1.2B | 1.1B | 999.0M | 962.0M | 963.0M |
Source: SEC filings (10-K XBRL). EPS and share counts are split-adjusted.
What's priced into RF?
A reverse DCF asks what growth the current price requires. With an enterprise value of $24.4B and $1.8B of trailing free cash flow, Regions Financial needs to grow free cash flow about 1.7% a year for ten years (fading to 3.0% terminal growth) to earn a 10% annual return.
P/E ratio history
Current 11.4x vs. median 10.2x (10th–90th percentile 7.5x–19.8x).
A model, not a forecast or advice. Small changes in assumptions move the answer a lot.
RF dividend
- Dividend yield
- 4.21%
- Annual dividend
- $1.20
- Years of increases
- 13
- 5-yr dividend growth
- 10.7%
- per year
- Payout ratio
- 43%
- Payments per year
- 4
Regular dividends per share by calendar year; special dividends excluded. Current year omitted until complete.
RF analyst price targets
21 analysts' average 12-month target is $31.14 (+9% vs. $28.47). Targets range from $27.00 to $35.00. 30% rate it a buy.
RF earnings
Next report: January 22, 2027. Regions Financial has beaten EPS estimates 3 quarters in a row.
| Report date | EPS estimate | EPS actual | Surprise |
|---|---|---|---|
| Oct 16, 2026 | $0.66 | $0.73 | +10.5% |
| Jul 17, 2026 | $0.63 | $0.68 | +7.9% |
| Apr 17, 2026 | $0.59 | $0.62 | +4.4% |
| Jan 16, 2026 | $0.61 | $0.57 | -6.8% |
| Oct 17, 2025 | $0.60 | $0.63 | +5.8% |
| Jul 18, 2025 | $0.56 | $0.60 | +7.5% |
| Apr 17, 2025 | $0.51 | $0.54 | +6.2% |
| Jan 17, 2025 | $0.55 | $0.59 | +6.3% |
Stocks like RF
| Name | Today | 1Y | Mkt cap | P/E | |
|---|---|---|---|---|---|
 FITB Fifth Third Bancorp | -0.47% | +30% | $48.0B | 17.8x | Compare |
 MTB M&T Bank | -0.53% | +26% | $32.0B | 11.7x | Compare |
 HBAN Huntington Bancshares Incorpora | +0.45% | +3% | $31.8B | 12.1x | Compare |
 CFG Citizens Financial | -0.15% | +32% | $27.4B | 14.2x | Compare |
 KEY KeyCorp | -0.61% | +25% | $22.5B | 12.3x | Compare |
 BRK-B Berkshire Hathaway | -0.87% | +11% | $1.2T | 13.6x | Compare |
 JPM JP Morgan Chase | -1.47% | +15% | $880.5B | 13.9x | Compare |
 V Visa | -1.55% | +19% | $765.8B | 34.7x | Compare |
RF news
- RF Q3 Deep Dive: Deposit Growth and Technology Investments Support Steady Results · Oct 19, 2026
- 5 Insightful Analyst Questions From Regions Financial’s Q3 Earnings Call · Oct 19, 2026
- Regions Financial (RF) Stock Can Q3 Results Justify Its 10.5x P E · Oct 18, 2026
- Regions Financial: 3 Key Takeaways for Long-Term Investors · Oct 17, 2026
- Earnings Beat Could Be A Big Moment For Regions Financial Stock (RF) · Oct 17, 2026
RF stock FAQ
What is RF's market cap?
Regions Financial's market capitalization is $24.25 billion as of October 23, 2026, ranking 365th in the S&P 500.
What is RF's P/E ratio?
RF trades at a trailing price-to-earnings ratio of 11.2x and a forward P/E of 10.0x. Its median P/E over the period we track is 10.2x.
Does RF pay a dividend?
Yes. Regions Financial pays $1.20 per share a year, a 4.21% yield. It has raised its dividend 13 years in a row. Dividends grew 10.7% a year over the last five years.
How much has RF stock returned?
Including reinvested dividends, RF returned +22.9% over one year, +7.8% a year over five years, +14.5% a year over ten years through October 23, 2026.
Is RF stock overvalued?
At today's price, a reverse discounted cash flow model (10% discount rate, 3% terminal growth) implies Regions Financial must grow free cash flow about 2% a year for the next decade. Whether that is achievable decides if the stock is cheap or expensive. This is a model, not advice.
What is the RF price target?
21 analysts cover RF with an average 12-month price target of $31.14, +9% from the current price. 30% of them rate it a buy.
When does RF report earnings?
Regions Financial is expected to report earnings on January 22, 2027. It has beaten EPS estimates 3 quarters in a row.
How many employees does Regions Financial have?
Regions Financial has about 19,968 full-time employees, or $367,187 of revenue per employee.
Sources: SEC EDGAR filings, Yahoo Finance market data (delayed), FI Handbook calculations. Last close October 23, 2026. Methodology