Regions Financial
Consumer, commercial and wealth banking anchored in the South, Midwest and Texas.
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Profile
Provides consumer and commercial banking, wealth management, mortgages and specialty finance through Regions Bank, earning interest on loans and fees from payments, advisory and investment services. Its branch-based deposit franchise is concentrated across the South, Midwest and Texas, with specialty capabilities serving clients nationwide.
Runs Regions Bank across the South, Midwest and Texas through Consumer Bank, Corporate Bank and Wealth Management. Consumer services include deposits, cards, mortgages and small-business banking; corporate offerings span lending, treasury management, capital markets, equipment finance and real estate finance. Wealth Management provides investment management, trust, brokerage and advisory services, while EnerBank supplies home-improvement financing.
A branch-based deposit franchise funds consumer and commercial loans, while treasury management, wealth, capital markets and mortgage fees broaden revenue beyond interest income. Specialty teams serve clients beyond the branch footprint, including municipal and corporate investment banking. Earnings depend on deposit pricing, interest-rate spreads and borrower credit quality, and the bank operates under extensive federal and state supervision.
Company facts
Categories
Key statistics
Year to date +10.0% · Average volume (30d) 8.1M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 26, 2026 | Deutsche Bank | Downgrade | Reduce | Hold | $26 | $34 |
| Jul 21, 2026 | Cantor Fitzgerald | Reiterate | Overweight | $34 | $35 | |
| Jul 21, 2026 | Truist Financial | Reiterate | Hold | $30 | $34 | |
| Jul 20, 2026 | DA Davidson | Reiterate | Neutral | $33 | $34 | |
| Jul 20, 2026 | RBC Capital | Reiterate | Outperform | $31 | $34 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 17, 2026Q2 FY26 | $0.63 | $0.68 | +8.1% | $1.94B | $1.95B | +0.5% | −1.71% |
| Apr 17, 2026Q1 FY26 | $0.61 | $0.62 | +1.6% | $1.91B | $1.87B | −2.2% | +0.64% |
| Jan 16, 2026Q4 FY25 | $0.61 | $0.57 | −6.7% | $1.93B | $1.92B | −0.5% | −0.50% |
| Oct 17, 2025Q3 FY25 | $0.60 | $0.63 | +5.5% | $1.92B | $1.92B | −0.4% | +2.04% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $2.32B | $2.43B | $2.46B | $2.41B | $2.33B | $2.38B | |
| Gross profit | $1.66B | $1.78B | $1.81B | $1.92B | $1.78B | $1.84B | |
| Operating income | $621.0M | $706.0M | $708.0M | $708.0M | $714.0M | $718.0M | |
| Net income | $490.0M | $563.0M | $569.0M | $534.0M | $559.0M | $570.0M | |
| Diluted EPS | $0.51 | $0.59 | $0.61 | $0.58 | $0.62 | $0.64 | |
| Gross margin | 71.7% | 73.2% | 73.8% | 79.8% | 76.6% | 77.3% | |
| Operating margin | 26.8% | 29.1% | 28.8% | 29.4% | 30.7% | 30.2% |
Fiscal years (4-quarter sums)FY21 $6.61B · FY22 $7.53B · FY23 $9.15B · FY24 $9.37B · FY25 $9.61B
Balance sheet, Jun 30, 2026Cash & short-term investments $42.59B · Total debt $7.63B · Total assets $161.30B · Shareholders' equity $18.84B
Dividends
Raised for 16 straight years — most recently to $0.265 from $0.25 in Sep 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 1, 2026 | Jun 1 | Jul 1 | $0.265 | |
| Mar 2, 2026 | Mar 2 | Apr 1 | $0.265 | |
| Dec 1, 2025 | Dec 1 | Jan 2 | $0.265 | |
| Sep 2, 2025 | Sep 2 | Oct 1 | $0.265 | raised from $0.25 |
| Jun 2, 2025 | Jun 2 | Jul 1 | $0.25 | |
| Mar 3, 2025 | Mar 3 | Apr 1 | $0.25 | |
| Dec 2, 2024 | Dec 2 | Jan 2 | $0.25 | |
| Sep 3, 2024 | Sep 3 | Oct 1 | $0.25 | raised from $0.24 |
Ownership
Shares outstanding 853.38M · Float 849.00M · 99.5% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 81.33M | 9.53% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 55.72M | 6.53% | 13F | Aug 13, 2026 |
| State Street Corp | 50.67M | 5.94% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 39.84M | 4.67% | 13F | Aug 13, 2026 |
| Sixth Street Partners Management Company, L.P. | 27.77M | 3.25% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 7, 2026 | Brian R. Willman | officer: SEVP | −7,014 | $27.91 |
| Jan 22, 2026 | William D. Ritter | officer: SEVP | −36,000 | $28.78 |
Peers
- Truist Financial
Largest Southeast peer; full overlap in consumer, commercial, and wealth.
- Fifth Third
Midwest + Southeast rival aggressively expanding into RF's Southern markets.
- Pinnacle Financial Partners
Pinnacle+Synovus combined — $117B Southeast growth bank with direct RF overlap.
- Huntington Bancshares
Midwest super-regional with Southeast expansion and equipment-finance overlap.
- First Horizon
Tennessee-and-South regional bank with direct RF geographic overlap.
- KeyCorp
Super-regional with Consumer and Commercial Bank segments across 15 states.
- M&T Bank
Mid-Atlantic super-regional with CRE, C&I, and wealth management overlap.
- Citizens Financial Group
New England/Mid-Atlantic super-regional with national POS and education lending.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Regions Financial | $30.33 | +0.02% | $25.88B | 12.4 | 11.1 | 2.7 | +2.2% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Fifth Third | $54.60 | +0.14% | $49.43B | 18.6 | 11.9 | 3.3 | +45.2% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| Huntington Bancshares | $16.95 | +0.18% | $34.19B | 12.6 | 9.8 | 2.4 | +47.4% |
| First Horizon | $24.65 | +0.02% | $11.70B | 11.8 | 11.3 | 2.5 | +9.9% |
| KeyCorp | $21.91 | +0.07% | $23.65B | 12.7 | 11.2 | 2.3 | +7.3% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| Citizens Financial Group | $71.05 | +1.96% | $29.48B | 15.2 | 11.9 | 2.6 | +12.1% |
| Median | 12.6 | 11.3 | 2.5 | +11.0% |