Regions Financial Corporation

Banks - Regional · Financial Services

Price

$31.65

-0.75 (-2.31%)

Market Cap

$27.01B

Exchange

New York Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

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

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Growth Profile

For growth stock investors

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

Revenue Growth

+0.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+23.5% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.3%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$3.4B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

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

Growth context

Regions Financial Corporation is growing revenue at 1% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

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.

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Quality

Gross Margin

76.6%

Premium pricing power — 76.6% gross margin

Operating Margin

30.7%

Excellent — 30.7% operating margin

ROCE

2.8%

Weak — 2.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+2.3%

Nearly flat sales (2.3% YoY)

EPS YoY

+16.8%

Earnings growing fast (16.8% YoY)

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

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

89%

Modest — 89% of profit becomes cash

FCF Margin

20.3%

Converts sales into free cash efficiently (20.3%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.34

Conservative — low debt load (0.34)

Interest Cover

1.41x

Dangerous — barely covers interest (1.4x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

13.0x

Attractive valuation — P/E 13.0

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

P/E vs Forward

+2.1

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

3.70%

Moderate income — 3.70% yield

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

Dividend Growth

+6.0%

Dividend growing modestly (6.0% YoY)

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