Regions Financial Corporation (RF) — Fundamental Analysis & Key Financial Ratios

Kaplio's reading: Regions Financial Corporation

Updated on October 20, 2026 · accounts published on October 16, 2026

Reading of October 19, 2026: A profitable, well-capitalised bank with rising earnings and a growing dividend

Regions Financial trades at 1.3× book with a 16 % ROTCE in fiscal 2025, and its P/E of 10.7× sits 20 % below the bank sector median.

• Is Regions Financial expensive or cheap? At 1.3× book with a 16 % ROTCE, its P/E of 10.7× sits 20 % below the bank sector median over the last 12 months.
• How is the business doing? EPS grew 19 % over the last 12 months on revenue up just 2.5 %, with a net margin of 24 %.
• How strong is the balance sheet? The dividend yields 4.0 % over the last 12 months and has risen for 11 straight years, with a 47 % payout in fiscal 2025.
• What to expect from the next earnings? Analysts expect EPS of $0.69 on January 15, 2027, and the 2026 EPS consensus rose 0.7 % in the last 30 days.
• Is Regions Financial an efficient, well-capitalised bank? On the data, yes: ROA of 1.4 % over 12 months clears the 1 % healthy mark, and ROTCE of 16 % beats the 15 % excellence line.

Is Regions Financial expensive or cheap?

Regions Financial trades at 1.3× book value over the last 12 months. For a bank earning a 16 % return on tangible common equity in fiscal 2025, that multiple would be justified up to 2.0×, so its profitability more than covers what investors pay for its equity. The P/E of 10.7× matches its ten-year median of 10.8×, within a decade range of 5.1× to 22.3×. It is also 20 % below the 13.3× median of 472 sector peers. The shares rose 19 % over the past 12 months and still trade 16 % below their 52-week high of $32.40.

How is the business doing?

Over the last 12 months revenue grew 2.5 % while earnings per share rose 19 %, a wide gap between the top and bottom lines. A net margin of 24 % and a return on equity of 12 % over the same period point to a solidly profitable lender. Seven earnings beats in the last eight quarters suggest the results have been steady and do not rest on one good quarter. Profit per share is hard to keep growing this far ahead of revenue for long. If earnings are to keep rising at this pace, revenue growth is the figure to watch.

How strong is the balance sheet?

At 11.9 % of total assets in fiscal 2025, equity capital is well above the 8 % that marks a robust bank balance sheet, which gives Regions Financial a cushion if credit conditions worsen. The dividend yields 4.0 % over the last 12 months, and the dividend per share has risen for 11 consecutive fiscal years through 2025. Paying out 47 % of fiscal 2025 earnings leaves more than half of profit inside the bank, so the dividend does not depend on stretching the balance sheet. The yield also sits well below the 8 % level that would signal stress.

What to expect from the next earnings?

On October 16, 2026, Regions Financial reported EPS of $0.73 against $0.67 expected. That was a 10 % beat and its seventh in the last eight quarters. For the quarter due on January 15, 2027, analysts expect $0.69. The full-year 2026 EPS consensus rose 0.7 % over the last 30 days, from $2.64 to $2.66 across 12 analysts, while the revenue estimate barely moved, so expectations are edging up slowly. Of the 52 analysts covering the stock, 21 rate it a buy, 27 a hold and 4 a sell. That is a cautious split for a bank with this record of beats.

Is Regions Financial an efficient, well-capitalised bank?

Banks run largely on borrowed money, so P/E and ROE alone can hide the real picture. What counts is how much profit a bank earns on its assets, how much capital stands behind them and what investors pay for its equity. Regions Financial earns a 1.4 % return on assets over the last 12 months, above the 1 % considered healthy. Its 16 % return on tangible common equity in fiscal 2025 clears both the 12 % pass mark and the 15 % excellence threshold. With capital at 11.9 % of assets and a price of 1.3× book, it passes all five sector checks.

How this was prepared: the data comes from companies' official filings, collected by a professional provider, and from Kaplio's analysis engine (trailing-12-month ratios, 10 years of history and sector medians computed across US-listed companies). The text is written from that data alone, every figure is checked against it before publication, and it is reviewed when the company reports results. This is not investment advice.