Regions Financial (RF) Stock Analysis

November 11, 2026

This is a peer-relative look at Regions Financial (RF): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Regions Financial (RF)
Profile Item	RF
Name	Regions Financial Corp.
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Banks
GICS Industry	Banks
GICS Sub-Industry	Regional Banks
Market Capitalization	24.06 billion USD
Currency	USD
Exchange	NYSE
Listing Date	March 17, 1980
Security Type	Common Stock

Price Performance

Cumulative Growth

GSPC

Regions Financial (RF) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Regions Financial (RF) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Regions Financial (RF) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Regions Financial (RF) metric values compared with Banks industry-group medians
Metric	Current stock: RF	Industry group median
Total Return (1Y)	22.28%	30.28%
Total Return (3Y, Annualized)	30.40%	26.57%
Total Return (5Y, Annualized)	8.09%	9.43%

Risk Profile

Drawdown History

GSPC

Regions Financial (RF) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Regions Financial (RF) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Regions Financial (RF) metric values compared with Banks industry-group medians
Metric	Current stock: RF	Industry group median
Volatility (1Y, Annualized)	23.37%	24.34%
Beta (5Y)	1.00	0.72
Max Drawdown (5Y)	-40.99%	-43.36%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. RF is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Regions Financial (RF) metric values compared with Banks industry-group medians
Metric	Current stock: RF	Industry group median
Sharpe Ratio (1Y)	0.77	1.08
Sortino Ratio (1Y)	1.11	1.61

Profitability

ROE (TTM)

Regions Financial (RF) posts ROE of 12.38%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

RF

Banks industry group

12.38%

Group distribution

Max: 19.84%
Q3: 13.67%
RF: 12.38%
Median: 11.49%
Q1: 9.50%
Min: 3.64%

Largest peers

JPM: 18.01%
RY: 16.21%
HSBC: 14.22%
WFC: 12.91%
RF: 12.38%
BAC: 10.73%
MUFG: 9.46%

Where Regions Financial (RF) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Regions Financial (RF) keeps 31.29% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

RF

Banks industry group

31.29%

Group distribution

Max: 47.19%
Q3: 35.25%
RF: 31.29%
Median: 31.21%
Q1: 27.11%
Min: 14.93%

Largest peers

HSBC: 41.16%
JPM: 34.59%
RY: 33.87%
RF: 31.29%
BAC: 28.06%
WFC: 27.64%
MUFG: 27.45%

Where Regions Financial (RF) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Regions Financial (RF) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Regions Financial (RF) metric values compared with Banks industry-group medians
Metric	Current stock: RF	Industry group median
ROE (TTM)	12.38%	11.49%
ROA (TTM)	1.42%	1.24%
Net Margin (TTM)	31.29%	31.21%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Regions Financial (RF) grew revenue 6.25%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Regions Financial (RF): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Regions Financial (RF) grew earnings per share 19.17%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Regions Financial (RF): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Regions Financial (RF) metric values compared with Banks industry-group medians
Metric	Current stock: RF	Industry group median
Revenue Growth (YoY)	6.25%	11.23%
Revenue Growth (3Y CAGR)	1.65%	6.33%
EPS Growth (YoY)	19.17%	16.14%
EPS Growth (3Y CAGR)	0.29%	3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Regions Financial (RF) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Regions Financial (RF) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Regions Financial (RF) metric values compared with Banks industry-group medians
Metric	Current stock: RF	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Regions Financial (RF) has dividend yield of 3.85%, in the upper peer-yield quartile while still inside the industry range. The dividend offers more cash income per dollar of share price than most peers, though payout coverage still matters.

RF

Banks industry group

3.85%

Group distribution

Max: 5.79%
RF: 3.85%
Q3: 3.18%
Median: 2.39%
Q1: 1.20%
Min: 0.00%

Largest peers

MUFG: 406.81%
RF: 3.85%
RY: 3.23%
BAC: 2.33%
WFC: 2.19%
JPM: 1.82%
HSBC: 0.86%

Where Regions Financial (RF) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Regions Financial (RF) has payout ratio of 43.27%, above the industry’s usual payout band. A larger share of earnings is going to dividends, so the cushion narrows if profit weakens.

RF

Banks industry group

43.27%

Group distribution

Max: 70.75%
RF: 43.27%
Q3: 41.28%
Median: 29.26%
Q1: 18.98%
Min: 0.00%

Largest peers

HSBC: 53.57%
RF: 43.27%
RY: 41.49%
MUFG: 34.74%
BAC: 27.62%
WFC: 26.09%
JPM: 25.80%

Where Regions Financial (RF) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Regions Financial (RF) metric values compared with Banks industry-group medians
Metric	Current stock: RF	Industry group median
Dividend Yield (TTM)	3.85%	2.39%
Dividend Payout Ratio (TTM)	43.27%	29.26%

Valuation

P/E Ratio (TTM)

Regions Financial (RF) trades at P/E ratio of 11.10, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

RF

Banks industry group

11.10

Group distribution

Max: 18.16
Q3: 13.75
Median: 11.81
RF: 11.10
Q1: 10.64
Min: 6.49

Largest peers

RY: 17.58
JPM: 14.03
MUFG: 13.71
WFC: 11.84
BAC: 11.79
HSBC: 11.38
RF: 11.10

Where Regions Financial (RF) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Regions Financial (RF) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Regions Financial (RF) trades at 1.46 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

RF

Banks industry group

1.46

Group distribution

Max: 2.28
Q3: 1.58
RF: 1.46
Median: 1.32
Q1: 1.10
Min: 0.59

Largest peers

HSBC: 6.87
RY: 2.92
JPM: 2.53
MUFG: 1.64
WFC: 1.59
RF: 1.46
BAC: 1.26

Where Regions Financial (RF) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Regions Financial (RF) metric values compared with Banks industry-group medians
Metric	Current stock: RF	Industry group median
P/E Ratio (TTM)	11.10	11.81
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.46	1.32
Free Cash Flow Yield (TTM)	--	--