RF vs. TFC: Regions Financial vs. Truist Financial Stock Comparison
How do Regions Financial (RF) and Truist Financial (TFC) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Regions Financial (RF) and Truist Financial (TFC) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | RF | TFC |
|---|---|---|
| Name | Regions Financial Corp. | Truist Financial Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Regional Banks |
| Market Capitalization | 24.06 billion USD | 59.18 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | March 18, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | RF | TFC |
|---|---|---|
| Total Return (1Y) | 22.28% | 18.58% |
| Total Return (3Y, Annualized) | 30.40% | 25.74% |
| Total Return (5Y, Annualized) | 8.09% | -0.01% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | RF | TFC |
|---|---|---|
| Volatility (1Y, Annualized) | 23.37% | 23.91% |
| Beta (5Y) | 1.00 | 0.88 |
| Max Drawdown (5Y) | -40.99% | -59.11% |
| Avg. Volume (3M) | 9.26M | 7.35M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | RF | TFC |
|---|---|---|
| Sharpe Ratio (1Y) | 0.77 | 0.60 |
| Sortino Ratio (1Y) | 1.11 | 0.83 |
Profitability
ROE (TTM)
Regions Financial (RF) at 12.38% is around its peer norm for ROE, while Truist Financial (TFC) at 8.16% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
RF
Banks industry group
12.38%
- Max
- 19.84%
- Q3
- 13.67%
- RF
- 12.38%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
TFC
Banks industry group
8.16%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- TFC
- 8.16%
- Min
- 3.64%
Net Margin (TTM)
Both Regions Financial (RF) at 31.29% and Truist Financial (TFC) at 28.38% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
RF
Banks industry group
31.29%
- Max
- 47.19%
- Q3
- 35.25%
- RF
- 31.29%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
TFC
Banks industry group
28.38%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- TFC
- 28.38%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Regions Financial (RF) in Banks and Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | RF | TFC |
|---|---|---|
| ROE (TTM) | 12.38% | 8.16% |
| ROA (TTM) | 1.42% | 0.95% |
| Net Margin (TTM) | 31.29% | 28.38% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Truist Financial (TFC) at 53.03% clears its industry range for revenue growth, far stronger top-line momentum than Regions Financial (RF) at 6.25%, which is closer to a typical peer reading.
EPS Growth
Both Regions Financial (RF) at 19.17% and Truist Financial (TFC) at 13.69% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | RF | TFC |
|---|---|---|
| Revenue Growth (YoY) | 6.25% | 53.03% |
| Revenue Growth (3Y CAGR) | 1.65% | 0.57% |
| EPS Growth (YoY) | 19.17% | 13.69% |
| EPS Growth (3Y CAGR) | 0.29% | -4.82% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Regions Financial (RF) in Banks and Truist Financial (TFC) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Regions Financial (RF) in Banks and Truist Financial (TFC) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | RF | TFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Regions Financial (RF) at 3.85% and Truist Financial (TFC) at 4.17% offer top-quartile dividend income relative to share price within their industries.
RF
Banks industry group
3.85%
- Max
- 5.79%
- RF
- 3.85%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
TFC
Banks industry group
4.17%
- Max
- 5.79%
- TFC
- 4.17%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Regions Financial (RF) at 43.27% and Truist Financial (TFC) at 53.61% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
RF
Banks industry group
43.27%
- Max
- 70.75%
- RF
- 43.27%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
TFC
Banks industry group
53.61%
- Max
- 70.75%
- TFC
- 53.61%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | RF | TFC |
|---|---|---|
| Dividend Yield (TTM) | 3.85% | 4.17% |
| Dividend Payout Ratio (TTM) | 43.27% | 53.61% |
Valuation
P/E Ratio (TTM)
Both Regions Financial (RF) at 11.10 and Truist Financial (TFC) at 12.73 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
RF
Banks industry group
11.10
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- RF
- 11.10
- Q1
- 10.64
- Min
- 6.49
TFC
Banks industry group
12.73
- Max
- 18.16
- Q3
- 13.75
- TFC
- 12.73
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Regions Financial (RF) in Banks and Truist Financial (TFC) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
Truist Financial (TFC) at 1.06 sits in the lower P/B ratio quartile against book while Regions Financial (RF) at 1.46 is valued near its industry’s middle — TFC is cheaper on assets, though weigh it against ROE and asset quality.
RF
Banks industry group
1.46
- Max
- 2.28
- Q3
- 1.58
- RF
- 1.46
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
TFC
Banks industry group
1.06
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- TFC
- 1.06
- Min
- 0.59
Valuation Metrics
| Metric | RF | TFC |
|---|---|---|
| P/E Ratio (TTM) | 11.10 | 12.73 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.46 | 1.06 |
| Free Cash Flow Yield (TTM) | -- | -- |