RF · Regions Financial Corp
Market Cap
$25.84B
Shares
851.93M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$30.33
Open$30.53
Day$30.24–30.76
52W close$23.35–32.40
Avg vol 30d8.2M
Short int49.5M · 5.8% float · 6.5d
Short vol67%
Last earningsJul 17, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 16, 2026
Est · unconfirmed
· in 7 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
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+7%
above
Price vs 50-day avg
−2%
below
RSI (14)
41
neutral
MACD trend
Negative
52-week position
77%
mid-range
Momentum
relative strength
1-month return
−2%
trailing
6-month return
+13%
trailing
YTD return
+12%
this year
Relative strength
−1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $31 › 200d $28 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +119 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
5.81% of float · ▼ -5.0% MoM · 6.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,106 holders — near 3-yr high, broad support
Squeeze score
68
elevated · 0–100
Fundamentals
Revenue growth
+24%
Y/Y
EPS growth
+19%
Y/Y
Valuation
P/E 12.3
below peers
Buyback
$3.0B
authorized
Balance sheet
$6.0B
net cash
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−19%
past year
ATR
1.8%
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 8-K filed Jul 17, 2026
Full-year 2026
NII
Maintained
2.5% – 4%
Apr 17, 2026
2.5% – 4%
changed to
Jul 17, 2026
2.5% – 4%
near term
CET1 inclusive of AOCI
Non-GAAP
9.25% – 9.75%
FY 2026
Adjusted Non-Interest Expense
Non-GAAP
Maintained
1.5% – 3.5%
Mar 31, 2026
1.5% – 3.5%
changed to
Jul 17, 2026
1.5% – 3.5%
Effective Tax Rate
Maintained
20.5% – 21.5%
Apr 17, 2026
20.5% – 21.5%
changed to
Jul 17, 2026
20.5% – 21.5%
near-term
Common Equity Tier 1 (CET1) inclusive of AOCI operating range mi
9.25% – 9.75%
Prior guidance
period ended
· from the 8-K filed Oct 17, 2025
NII
· 4Q25
1% – 2%
Capital Markets revenue
· 4Q25
$95M – $105M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+7%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
41
Neutral
MACD trend
Negative
Bearish
52-week position
77%
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
+2% holders QoQ · +119 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
5.81% of float · ▼ -5.0% MoM · 6.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,106 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $23
Now $30 · 77%
Range high $32
vs 200-day avg +7%
vs 50-day avg -2%
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 |
|---|---|---|---|
| Net charge-offs as a percent of average loans | 0.42% | second quarter of 2026 filing | — |
| Net interest margin (taxable-equivalent basis) | 3.66% | the second quarter of 2026 filing | — |
| 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 diluted EPS non-GAAP | $0.68 | Quarter Ended 6/30/2026 | — |
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| 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 net income available to common shareholders non-GAAP | $583M | Quarter Ended 6/30/2026 | — |
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| 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 | — |
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| Adjusted return on average tangible common shareholders' equity (non-GAAP)* non-GAAP | 20.18% | Q2 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 | — |
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| 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 equity Tier 1 ratio | 10.7% | 2Q26 | — |
| Common equity Tier 1 ratio (incl. AOCI) non-GAAP | 9.5% | 2Q26 | — |
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| Common equity Tier 1 ratio (incl. AOCI) (non-GAAP) non-GAAP | 9.5% | 6/30/2026 | — |
| 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 | — |
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| Pre-tax pre-provision income non-GAAP | $786M | Quarter Ended 6/30/2026 | — |
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| Return on avg. tangible common equity non-GAAP | 19.01% | 2Q26 | — |
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| Tangible common book value per share (non-GAAP) non-GAAP | $13.78 | Q2 2026 | — |
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| Tangible common shareholders' equity to tangible assets non-GAAP | 7.55% | Quarter Ended 6/30/2026 | — |
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| Tangible common shareholders' equity to tangible assets (non-GAAP) non-GAAP | 7.55% | 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 | — |
| ACL/Loans | 1.68% | 1Q26 | — |
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| ACL/Loans, net | 1.68% | 3/31/2026 | — |
| Adjusted diluted earnings per common share (non-GAAP) non-GAAP | $0.62 | Q1 2026 | — |
| Adjusted diluted EPS (non-GAAP) non-GAAP | $0.62 | 3/31/2026 | — |
| Adjusted efficiency ratio (non-GAAP) non-GAAP | 56.6% | 3/31/2026 | — |
| Adjusted fee income ratio (non-GAAP) non-GAAP | 33.1% | 3/31/2026 | — |
| Adjusted net income available to common shareholders (non-GAAP) non-GAAP | $539M | Q1 2026 | — |
| Adjusted non-interest expense (non-GAAP) non-GAAP | $1.07B | 3/31/2026 | — |
| Adjusted non-interest income (non-GAAP) non-GAAP | $625M | 3/31/2026 | — |
| Adjusted operating leverage ratio (non-GAAP) non-GAAP | 1.5% | 1Q26 vs. 1Q25 | — |
| Adjusted total revenue (non-GAAP) non-GAAP | $1.87B | 3/31/2026 | — |
| Adjusted total revenue, taxable-equivalent basis (non-GAAP) non-GAAP | $1.89B | 3/31/2026 | — |
| Allowance for credit losses (ACL) at period end | $1.65B | 3/31/2026 | — |
| Allowance for credit losses ratio | 1.68% | 3/31/2026 | — |
| Allowance for credit losses to non-performing loans, excluding loans held for sale | 238% | 3/31/2026 | — |
| Average tangible common shareholders' equity (non-GAAP) non-GAAP | $11.98B | 3/31/2026 | — |
| Business criticized loans to total business loans | 5.15% | Q1 2026 | — |
| Business services criticized loans as a percent of business loans | 5.15% | 1Q26 | — |
| Common book value per share | $20.39 | Q1 2026 | — |
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| Common Dividends Declared | $227M | 1Q26 | — |
| Common equity Tier 1 | $13.42B | Q1 2026 | — |
| Common equity Tier 1 (inclusive of AOCI) (non-GAAP) non-GAAP | $11.86B | 3/31/2026 | — |
| Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) non-GAAP | 9.4% | 3/31/2026 | — |
| Consumer Checking Account Acquisitions - Branch | 81% | 1Q26 | — |
| Criticized loans—business | $3.38B | 3/31/2026 | — |
| Cycle-to-date interest-bearing beta | 35% | 1Q26 | — |
| Drive-through/transaction service only | 25 | 3/31/2026 | — |
| Efficiency ratio (GAAP) | 56.6% | 3/31/2026 | — |
| Ending allowance for loan losses (ALL) | $1.53B | 3/31/2026 | — |
| Fee income ratio (GAAP) | 33.1% | 3/31/2026 | — |
| Full service | 1,221 | 3/31/2026 | — |
| Interest-bearing Deposit Cost | 1.72% | 1Q26 | — |
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| Leverage ratio | 9.6% | Q1 2026 | — |
| Liquidity to Uninsured Deposits Ratio | 178% | 1Q26 | — |
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| Mobile Banking Active Users | 2.7M | 1Q26 | — |
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| Mobile Banking Log-Ins | 211M | 1Q26 | — |
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| NDFI Loans | 12.8B | 3/31/2026 | — |
| Net Charge-Offs | $130M | 1Q26 | — |
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| Net charge-offs / average loans | 0.54% | 1Q26 | — |
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| Net Interest Margin | 3.67% | 1Q26 | — |
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| Net interest margin FTE basis | 3.59% | 3/31/2026 | — |
| Net loans charged-off as a % of average loans, annualized | 0.54% | 3/31/2026 | — |
| Non-performing assets (NPAs) | $713M | 3/31/2026 | — |
| Non-performing loans, excluding loans held for sale | $692M | 3/31/2026 | — |
| Non-performing loans, excluding loans held for sale/Loans, net | 0.71% | 3/31/2026 | — |
| NPL/Loans | 0.71% | 1Q26 | — |
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| NPLs to total loans | 0.71% | 1Q26 | — |
| Operating leverage ratio (GAAP) | 2.2% | 3/31/2026 | — |
| Provision for loan losses | $101M | 3/31/2026 | — |
| Return on average assets | 1.42% | 1Q26 | — |
| Return on average common equity | 12.35% | 1Q26 | — |
| Share Repurchases | $401M | 1Q26 | — |
| Tangible assets (non-GAAP) non-GAAP | $155.02B | 3/31/2026 | — |
| Tangible common shareholders' equity (non-GAAP) non-GAAP | $11.69B | 3/31/2026 | — |
| Tier 1 Capital Ratio | 11.7% | 1Q26 | — |
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| Total Criticized Loans—Business Services | $3.38B | 3/31/2026 | — |
| Total Deposit Costs | 1.2% | 1Q26 | — |
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| Total Liquidity Sources | $67.9B | 1Q26 | — |
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| Total risk-weighted assets | $125.86B | Q1 2026 | — |
| Total shareholders' equity to total assets | 11.68% | Q1 2026 | — |
| Total Wealth Management Segment Deposits | $7.78B | 1Q26 | — |
| Zelle Transactions | 6.19M | 1Q26 | — |
| ACL/Loans ratio | 1.76% | As of 12/31/2025 | — |
| Adjusted CET1 Inclusive of AOCI non-GAAP | 9.6% | 4Q25 | — |
| Adjusted Diluted Earnings Per Share non-GAAP | $2.33 | FY25 | — |
| Adjusted pre-tax pre-provision income (non-GAAP) non-GAAP | $3.25B | Year Ended 2025 | — |
| Adjusted Return on Average Tangible Common Equity non-GAAP | 18.51% | FY25 | — |
| Adjusted return on average tangible common shareholders' equity non-GAAP | 16.84% | Q4 FY2025 | — |
| Allowance for Credit Losses | $1.69B | 4Q25 | — |
| Average Business Loans | $63B | 4Q25 | — |
| Average Consumer Loans | $32.6B | 4Q25 | — |
| Banking offices | 1,250 | 12/31/2025 | — |
| Common equity Tier 1 ratio (inclusive of AOCI) non-GAAP | 9.6% | Q4 FY2025 | — |
| Digital Deposit Transactions | 79% | 4Q25 | — |
| Ending Deposits | $129.9B | 4Q25 | — |
| Ending Loans & Leases | $95.7B | 4Q25 | — |
| Mobile Banking Deposit Transactions | 33% | 4Q25 | — |
| Mortgage production - purchased | 79.5% | Year Ended 2025 | — |
| Net interest spread | 2.9% | Year Ended 2025 | — |
| Non-Performing Loans (excluding LHFS) | $698M | 4Q25 | — |
| Pre-tax pre-provision income (non-GAAP) non-GAAP | $3.21B | Year Ended 2025 | — |
| Proforma Day 1 ACL ratio | 1.64% | As of 12/31/2025 | — |
| Return on Average Tangible Common Equity non-GAAP | 18.25% | FY25 | — |
| Total mortgage production | $3.77B | Year Ended 2025 | — |
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
|
$25.84B | +11.9% | +23.8% | 12.3 | 5.8% |
|
MFG
Mizuho Financial Group Inc
|
$129.26B | +45.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.56B | -36.8% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$107.22B | +0.3% | — | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$106.80B | +26.1% | — | — | 0.1% |
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 | -0.3% | -2.0% | +12.5% | -2.0% | +11.9% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -0.7% | -5.0% | -0.9% | -5.0% | -0.9% |
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)
3.49%
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)
696 filings
654 filers
Visit website
Investor relations