RF
Financial ServicesRegions Financial Corporation · Banks - Regional · $24B
What is Regions Financial Corporation?
Regions Financial Corporation is a large-cap bank holding company headquartered in Birmingham, Alabama, serving individual and corporate customers across the South, Midwest, and Texas.
Regions generates revenue through three core segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank serves businesses with lending, leasing, and advisory services. The Consumer Bank handles mortgages, home equity products, and credit cards. Wealth Management provides trust, asset management, and estate planning services.
Founded in 1980, Regions Financial has grown into one of the larger regional banking networks in the United States.
- Commercial and industrial lending
- Consumer mortgages and home equity products
- Wealth management and trust services
- Investment and insurance products
Is RF a Good Stock to Buy?
UQS Score rates RF as Good overall.
Valuation stands out as the most favorable pillar, rated Attractive — suggesting the stock may be reasonably priced relative to its fundamentals. Quality also registers as Good, reflecting adequate financial discipline for a regional bank.
Moat, Growth, and Risk all carry Weak ratings, pointing to limited competitive differentiation, subdued growth prospects, and elevated risk factors relative to peers.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does RF pay dividends?
Yes — Regions Financial Corporation pays a dividend.
Regions Financial pays a regular dividend, consistent with its profile as a mature regional bank. Income-oriented investors often view regional banks as dividend sources, and Regions has maintained a recurring payout cadence. Check the company's investor relations page for the current yield and payment schedule.
When does RF report earnings?
Regions Financial reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
As a regional bank, Regions' quarterly results are shaped by net interest income, credit quality trends, and fee-based revenue from its wealth and corporate banking segments. Performance can vary with interest rate cycles and regional economic conditions.
For the most recent quarter's results, visit Regions Financial's investor relations page directly.
RF Price History
+48.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Regions Financial Corporation?
Based on Regions Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Regions Financial do?
Regions Financial is a bank holding company offering commercial banking, consumer banking, and wealth management services. It operates across the South, Midwest, and Texas through a network of banking offices and ATMs, serving both individual and corporate customers.
Does RF pay dividends?
Yes, Regions Financial pays a regular dividend. It has maintained a recurring payout, which is common among established regional banks. For current yield and ex-dividend dates, refer to the company's investor relations page.
When does RF report earnings?
Regions Financial follows a standard quarterly earnings schedule. Exact dates are published on the company's investor relations page ahead of each reporting period.
Is RF a good stock to buy?
UQS Score rates RF as Good overall, with an Attractive Valuation pillar suggesting reasonable pricing. However, Weak ratings in Moat, Growth, and Risk indicate meaningful limitations. The complete analyst view is available to Pro members on UQS Score.
Is RF overvalued?
The UQS Valuation pillar for RF is rated Attractive, suggesting the stock is not considered expensive relative to its fundamentals. That said, valuation should be weighed alongside the Weak Growth and Risk profiles before drawing conclusions.
What is RF's market cap bracket?
Regions Financial is classified as a large-cap company, placing it among the more substantial regional banks in the US financial sector.
Is RF a long-term quality indicator?
From a long-term quality standpoint, RF's Good overall UQS Score reflects adequate fundamentals, but the Weak Moat and Growth pillars suggest limited structural advantages and expansion potential. Long-term investors should weigh these factors carefully alongside the Attractive Valuation.
What sector does RF belong to?
Regions Financial operates in the Financial Services sector, specifically as a regional bank holding company. It competes with other mid-to-large regional banks across lending, deposits, and wealth management.
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Pro Analysis
RF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 54.9 | 81.3 | 28.0 | 30.9 | 47.2 | 95.2 | 0.0 |
| May 14, 2026 | 54.9 | 81.3 | 28.0 | 30.9 | 47.2 | 95.4 | 0.0 |
| May 12, 2026 | 54.9 | 81.3 | 28.0 | 30.9 | 47.2 | 95.7 | +1.5 |
| May 7, 2026 | 53.4 | 79.6 | 28.0 | 31.0 | 37.0 | 98.6 | 0.0 |
| Apr 19, 2026 | 53.4 | 79.6 | 28.0 | 31.0 | 37.0 | 98.4 | 0.0 |
| Apr 18, 2026 | 53.4 | 79.6 | 28.0 | 30.9 | 37.0 | 98.5 | -0.1 |
| Apr 17, 2026 | 53.5 | 79.6 | 28.0 | 30.9 | 37.0 | 99.4 | 0.0 |
| Apr 14, 2026 | 53.5 | 79.6 | 28.0 | 31.0 | 37.0 | 99.4 | -0.1 |
| Apr 12, 2026 | 53.6 | 79.6 | 28.0 | 31.0 | 37.0 | 99.4 | 0.0 |
| Apr 10, 2026 | 53.6 | 79.6 | 28.0 | 31.0 | 37.0 | 99.7 | 0.0 |
RF — Pillar Breakdown
Quality
— 81.3/100 (25%)Regions Financial Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 30.9/100 (20%)Regions Financial Corporation faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 47.2/100 (15%)Regions Financial Corporation has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 95.1/100 (15%)Regions Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 28/100 (25%)Regions Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for RF.
Score Composition
Financial Data
More Stock Analysis
How is the RF UQS Score Calculated?
The UQS (Unified Quality Score) for Regions Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Regions Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Regions Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.