RF · Regions Financial Corp
$30.59
-1.11 (-3.50%)
At close · Aug 19
Market Cap
$26.90B
Shares
851.93M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$30.59
Open$31.78
Day$30.55–31.78
52W close$23.35–32.40
Avg vol 30d9.3M
Short int52.1M · 6.1% float · 4.8d
Short vol71%
Last earningsJul 17, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 16, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+9%
above
Price vs 50-day avg
+0%
above
RSI (14)
43
neutral
MACD trend
Negative
52-week position
80%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+4%
trailing
YTD return
+13%
this year
Relative strength
−7%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $31 › 200d $28 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +119 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
6.12% of float · ▼ -6.6% MoM · 4.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,101 holders — near 3-yr high, broad support
Squeeze score
53
elevated · 0–100
Fundamentals
Revenue growth
+24%
Y/Y
EPS growth
+19%
Y/Y
Valuation
P/E 12.8
below peers
Buyback
$3.0B
authorized
Balance sheet
$13.1B
net cash
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−19%
past year
ATR
1.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
Interest income
· this year
3% – 5%
Prior guidance
period ended
· from the Earnings Call filed Mar 31, 2026
Net interest income
· second quarter 2026
2%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+9%
Bullish
Price vs 50-day avg
+0%
Bullish
RSI (14)
43
Neutral
MACD trend
Negative
Bearish
52-week position
80%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $31 › 200d $28 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +119 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
6.12% of float · ▼ -6.6% MoM · 4.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,101 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $23
Now $31 · 80%
Range high $32
vs 200-day avg +9%
vs 50-day avg +0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL/NPLs | 241% | 2Q26 | — |
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| Adj. diluted earnings per common share non-GAAP | $0.68 | 2Q26 | — |
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| Adj. net income avail. to common shareholders non-GAAP | $583M | 2Q26 | — |
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| Adj. return on avg. tangible common equity non-GAAP | 20.18% | 2Q26 | — |
| Adjusted efficiency ratio non-GAAP | 56.9% | 2Q26 | — |
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| Adjusted fee income ratio non-GAAP | 34.2% | Quarter Ended 6/30/2026 | — |
| Adjusted non-interest expense non-GAAP | $1.12B | 2Q26 | — |
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| Adjusted non-interest income non-GAAP | $670M | 2Q26 | — |
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| Adjusted pre-tax pre-provision income non-GAAP | $831M | Quarter Ended 6/30/2026 | — |
| Adjusted total revenue non-GAAP | $1.95B | 2Q26 | — |
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| Adjusted total revenue, taxable-equivalent basis non-GAAP | $1.96B | Quarter Ended 6/30/2026 | — |
| Allowance for credit losses as a percentage of loans, net of unearned income | 1.63% | Q2 2026 | — |
| Associate headcount—full-time equivalent | 20,003 | Q2 2026 | — |
| ATMs | 1,777 | Q2 2026 | — |
| Average deposits | $130.69B | 2Q26 | — |
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| Average loans, net of unearned income | $98.72B | 2Q26 | — |
| Common book value per share | $20.48 | 6/30/2026 | — |
| Common equity Tier 1 ratio | 10.7% | 2Q26 | — |
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| Common equity Tier 1 ratio (incl. AOCI) non-GAAP | 9.5% | 2Q26 | — |
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| Effective Tax Rate | 20.7% | 2Q26 | — |
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| Efficiency ratio | 58.3% | 2Q26 | — |
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| Interest-bearing deposit costs | 1.69% | 2Q26 | — |
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| Loans, net of unearned income, to total deposits | 75.9% | Q2 2026 | — |
| Net interest margin (FTE)* | 3.66% | Q2 2026 | — |
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| Non-performing loans, excluding loans held for sale, as a percentage of loans | 0.67% | Q2 2026 | — |
| Pre-tax pre-provision income non-GAAP | $786M | Quarter Ended 6/30/2026 | — |
| Return on avg. tangible common equity non-GAAP | 19.01% | 2Q26 | — |
| Tangible common book value per share (non-GAAP) non-GAAP | $13.78 | Q2 2026 | — |
| Tangible common shareholders' equity to tangible assets non-GAAP | 7.55% | Quarter Ended 6/30/2026 | — |
| Total available liquidity | 69B | 6/30/2026 | — |
| Total branch outlets | 1,246 | Q2 2026 | — |
| Uninsured deposits coverage ratio | 181% | 6/30/2026 | — |
| Allowance for credit losses ratio | 1.68% | 1Q26 | — |
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| Average loans | $96.42B | 1Q26 | — |
| Business services criticized loans as a percent of business loans | 5.15% | 1Q26 | — |
| NPLs to total loans | 0.71% | 1Q26 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
RF
this stock
Regions Financial Corp
|
$26.90B | +12.9% | +23.8% | 12.8 | 6.1% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| RF | -3.2% | -0.9% | +4.2% | -1.2% | +12.9% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.8% | -3.8% | -7.4% | -4.1% | +0.1% |
Capital returns
Latest dividend
$0.265
/ share · ex Jun 1, 2026
Declared · upcoming
$0.30
/ share · ex Sep 1, 2026
Paid (TTM)
$1.06
/ share · 4 payouts
Dividend yield (TTM, derived)
3.47%
Buyback program
· as of Dec 10, 2025
Authorized
$3.00B
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1281761
CUSIP
7591EP100
13F (30d)
959 filings
907 filers
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