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Regions Financial Corporation

RF
61
Banks - Regional · Financial Services
Also trades as: 0KV3.L
Price
$31.55
-0.04 (-0.14%)
Market Cap
$26.92B
Exchange
New York Stock Exchange
Winston Score
61
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 12, 2026 · filings through Jun 30, 2026

Share count falling — buybacks

−8.6% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 963.0M (2021) → 880.0M (2025)

Regions Financial is a large regional bank based in Birmingham, Alabama. It offers everyday banking services like checking accounts, savings accounts, loans, and credit cards to regular people and businesses. It also provides wealth management and insurance services, and it operates mainly across the South, Midwest, and Texas through roughly 1,300 branches.

Regions makes money primarily by collecting interest on loans — to homebuyers, businesses, and consumers — and by charging fees for banking services. It is one of the larger regional banks in the United States, competing with peers like Truist and Huntington. Regional banks like Regions depend heavily on interest rates set by the Federal Reserve, so a prolonged period of falling interest rates could squeeze the profit it earns on loans and put pressure on earnings going forward.

Winston Score History

Politician Trades

9 trades / 12mo

5 Congressional buys and 4 sells on RF in the last 12 months.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-2.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+8.5% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.5%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$140.3B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Regions Financial Corporation's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on Equity
12.7%
no trend
Strong — 12.7% return on equity

Standard mid-range return on equity. Acceptable.

Net Interest Margin
3.69%
no trend
Wide spread — 3.69% net interest margin
Efficiency Ratio
55.5%
no trend
Efficient — 55.5% efficiency ratio

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Growth

Sales YoY
+0.5%
Nearly flat sales (+0.5% YoY)
EPS YoY
+15.3%
Earnings growing fast (+15.3% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Capital Ratio
11.7%
no trend
Well capitalised — 11.7% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Non-Performing Loans
0.97%
no trend
Clean loan book — 0.97% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Net Charge-Offs
0.53%
no trend
Rising losses — 0.53% net charge-offs

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Valuation

P/E Ratio (TTM)
12.7x
Attractive valuation — P/E 12.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward
+0.6
GROWING
Earnings roughly flat

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Dividends

Dividend Yield
3.35%
Moderate income — 3.35% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth
+7.9%
Dividend growing modestly (7.9% YoY)

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