Regions Financial (RF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Regions Financial

NYSE•Financial Services•Banks - Regional

$28.48+0.01(<0.01%)After hours

Market Cap

$24.32B

P/E

10.9x

P/S

3.2x

P/B

1.3x

Regions Financial Corporation, a financial holding company, provides various banking and related products and 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; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to 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 the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; home improvement lending, investment advisory services, equipment financing for commercial clients, small business customers, low-income housing tax credit corporate fund syndication services, financing to CRA-qualified customers, and broker-dealer services to commercial clients, as well as other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.

How this company scores

GoodMetricSide Score: 64/100

Strongest: Balance Sheet & Red Flags (19/25); weakest: Cash & Earnings Quality (14/25).

Profitability14/25

Growth17/25

Balance Sheet & Red Flags19/25

Cash & Earnings Quality14/25

Strengths

Low leverageCash-backed earningsProfit converts from growthImproving leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.9x5y range 6.8x – 12.2x

Currently near its 20-quarter median.

P/S · 3.2x5y range 2.1x – 3.3x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.0x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 45.7% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $24.32B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $7.62B
Q. Revenue: $1.91B
TTM EBITDA: $158.00M
TTM Op. Income: $158.00M
Q. Op. Income: $718.00M
TTM Net Income: $2.23B
Q. Net Income: $570.00M
EPS: $0.64
Shares Out.: $854.00M

$7.62B in TTM revenue grew 4.4% YoY, reaching $1.91B last quarter. TTM EBITDA of $158.00M and TTM operating income of $158.00M show growth is flowing through to the bottom line. TTM net income of $2.23B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 37.7%
Op. Margin: 37.7%
Net Margin: 29.9%

Op. margin of 37.7% is up 0.6% YoY — cost efficiency is improving. Net margin at 29.9% Over the past year, operating margin is up 2% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.9x
P/S Ratio: 3.2x
P/B Ratio: 1.3x

At 10.9x P/E, the stock trades below typical market levels. P/S of 3.2x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 7% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $161.30B
Cash: $3.18B
Long-Term Debt: $4.63B
Book Value: $18.84B
D/E Ratio: 0.2
Debt/EBITDA: 6.4

With $161.30B in assets and $4.63B in long-term debt, D/E is 0.2and book value is $18.84B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 13% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $369.00M
TTM Free Cash Flow: $1.78B
FCF Margin: 23.3%
FCF / Net Income: 0.8

TTM FCF of $1.78B on $369.00M in operating cash flow. The FCF / Net Income ratio of 0.8x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 4 consecutive quarters — a weakening trend.