Regions Financial Corp.

Regions Financial Corp.

RF

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Market Cap$27.01B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Regions Financial Corp.Regions Financial Corp.133.35%12%2.80.4

Earnings Call Q2 2026

July 17, 2026 - AI Summary

Strong Q2 earnings + solid credit normalization - Reported $549M GAAP earnings ($0.64 EPS) and $583M adjusted ($0.68 EPS). - Adjusted pre-tax, pre-provision income: $831M; adjusted return on tangible common equity: 20%. - Credit improved further: annualized net charge-offs down 12 bps to 42 bps; business criticized loans and non-performing loans both declined (criticized ratio to 5.01%, NPL ratio to 67 bps). - Portfolio exits / resolutions continue: business services criticized and NPLs down; management highlighted meaningful year-over-year declines (e.g., trucking down 25%, communications down 50%; $1.3B of outstandings across those portfolios had exited the bank).
Loan growth is healthy and expected to remain “low single digit” in 2026 - Average loans up ~2% in Q2; ending loans +1% (management views results as high quality). - Growth drivers: broad-based commercial & industrial (power/utilities, manufacturing, gov/public sector, retail trade) + investor real estate led by multifamily. - Quality: over half of growth is investment-grade; pipelines up ~15% YoY. - Outlook: expects full-year average loan growth up low single digits vs. 2025 (back half could be affected by draw timing; management cautioned not to extrapolate 1H run-rate).
Net interest income (NII) and margin outlook constructive; uncertainty mainly about rates - NII up 2% linked quarter; net interest margin (NIM) 3.66%. - Deposit cost management: interest-bearing deposit costs down 3 bps to 1.69%; management expects deposit cost largely stable in 2H if Fed funds stay constant. - Beta / rate sensitivity: deposit beta ~37% over the falling rate cycle; expects mid-30s beta and a neutral short-term rate risk position. - Forecasts: Q3 NII expected +~2%; full-year outlook: margin to exit ~3.7%; fixed-rate asset turnover + hedging expected to support gradual margin improvement.

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$32.54

Target Price by Analysts

5.4% upsideRegions Financial Target Price DetailsTarget Price
$34.54

Current Fair Value

11.9% upside

Undervalued by 11.9% based on the discounted cash flow analysis.

Share Statistics

Market cap$27.01 Billion
Enterprise Value$24.71 Billion
Dividend Yield$1.06 (3.35%)
Earnings per Share$2.31
Beta1.01
Outstanding Shares854,000,000

Return

Return on Equity12.23%ROE
Return on Assets1.43%
Return on Invested Capital10.70%

Valuation & Multiples

P/E Ratio13.02P/E Ratio
PEG1047.56PEG
Price to Sales2.81Price to Sales
Price to Book Ratio1.4Price to Book Ratio
Enterprise Value to Revenue2.44
Enterprise Value to EBIT8.37
Enterprise Value to Net Income10
Total Debt to Enterprise0.31
Debt to Equity0.4Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
July 17, 2026
EPS Estimate
$0.63
Average shareholder expectation
Revenue Estimate
$1.94 B
Average shareholder expectation

Next Earnings Call

Expected Date
October 16, 2026
EPS Estimate
$0.67
Average shareholder expectation
Revenue Estimate
$1.99 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.0000▼ 86.51%
Total Calls-▼ 100.00%
Total Puts-▼ 100.00%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %1.59%▼ 78.84%
Total Invested$414.31M▼ 97.74%
Investors Holding225▼ 882.00%

ESG Score

No data

About Regions Financial Corp.

19,406 employees
CEO: John Turner

Relevant Senate Committees

Joint Committee on Taxation

This committee provides the official revenue estimates and technical expertise for all tax legislation, acting as a gatekeeper for fiscal policy. Its analyses directly inform tax-writing committees and influence corporate tax structures, capital investment credits, and the overall tax burden, which are critical for Regions Financial's profitability and strategic planning.

Finance

This powerful committee controls taxation, trade, and entitlement spending. Its tax policy decisions directly impact a commercial bank's profitability and capital structure, as well as the financial health of its customers and the broader economy, making its influence highly direct and material.

Banking, Housing, and Urban Affairs

This is the primary committee regulating the financial system, including the Fed, SEC, and HUD. It directly impacts bank capital requirements, financial regulations, and real estate markets, which are core to Regions Financial's commercial banking business. Members would possess highly material non-public information.