At a glance
Regions Financial Corporation is worth $24.68B, about 13 times its fiscal 2025 earnings. Revenue grew 6.3% to $7.53B in fiscal 2025, with 28.6% kept as profit; over 5 years it has grown 3.7% a year. It pays a 3.83% dividend yield, raised every year for at least 9 years, and returned $6.22B to shareholders in dividends and buybacks over FY2021–FY2025. The stock returned +24.6% over the past year with dividends reinvested and +8.6% a year over five years, against +11.5% and +11.7% for the S&P 500. At its worst it fell 55.0% in the 2020 crash (S&P 500: 33.7%) and 27.1% in the 2022 bear market (S&P 500: 24.5%), and was back at its earlier high 8 months and 26 months after the lows.
The business in plain English
Regions Financial is a financial holding company: a parent company that owns a bank and can offer wider financial services. It is based in Birmingham, Alabama, and operates through Regions Bank. As of December 31, 2025, it ran 1,247 branches and 1,786 ATMs, mostly across the South, the Midwest and Texas. Florida had the most branches (270), followed by Tennessee (194), Alabama (184) and Georgia (117). It held about $158.8 billion in assets and $131.1 billion in deposits.
Like most banks, Regions earns most of its money from net interest income. That is the gap between the interest it collects on loans and securities and the interest it pays on deposits and borrowings. In fiscal 2025 it came to about $5.0 billion of $7.5 billion in revenue. The remaining $2.5 billion was noninterest income, meaning fees and other income not tied to lending.
Regions reports three main segments: the Corporate Bank for business clients, the Consumer Bank for households, and Wealth Management. Specialty offices in New York, Washington D.C., Chicago and Salt Lake City add services such as merger advice, capital markets work and equipment financing.
Price history
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RF +24.6% over the year to Nov 2, 2026, total return with dividends reinvested.
Latest results
- In Q2 FY2026 (ended Jun 30, 2026), revenue was $1.91B, up 0.1% from a year earlier, and net income was $570.0M (+1.2%).
- For fiscal 2025, revenue was $7.53B (+6.3% year over year; +3.7% a year from FY2020 to FY2025) with a 28.6% net margin.
Financial health check
| Revenue growth a year (FY2020–FY2025) | +3.7% watch |
|---|---|
| Return on equity | 11.3% watch |
| Net income / revenue | 28.6% good |
| Deposits | $130.71B |
| Loans | $97.71B |
| Fiscal year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2020 | $6.29B | $1.09B | — |
| FY2021 | $6.44B | $2.52B | — |
| FY2022 | $7.21B | $2.25B | — |
| FY2023 | $7.58B | $2.07B | — |
| FY2024 | $7.08B | $1.89B | — |
| FY2025 | $7.53B | $2.16B | — |
Valuation snapshot
| Market value | $24.68B |
|---|---|
| P/E ratio | 12.6 |
| Dividend yield | 3.83% |
Rank among 1514 US companies
Market value at each year end
Regions Financial’s market value went from $17.68B at the end of 2016 to $24.68B on Nov 2, 2026, up 40%; since the end of 2025 it is up 4%.
Show as a table
| Year end | Market value | Change |
|---|---|---|
| Nov 2, 2026 | $24.68B | +3.9% |
| 2025 | $23.76B | +11.2% |
| 2024 | $21.38B | +18.6% |
| 2023 | $18.02B | -10.5% |
| 2022 | $20.15B | -3.1% |
| 2021 | $20.78B | +34.2% |
| 2020 | $15.48B | -6.5% |
| 2019 | $16.55B | +19.7% |
| 2018 | $13.83B | -31.0% |
| 2017 | $20.04B | +13.4% |
| 2016 | $17.68B |
Price behavior
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | |
|---|---|---|---|---|---|
| RF price data to Nov 2, 2026 | +10.1% | +24.6% | +29.6% | +8.6% | +15.0% |
Show as a table
| Year | Price data |
|---|---|
| 2026 (to date) | +10.1% |
| 2025 | +22.1% |
| 2024 | +27.0% |
| 2023 | -5.7% |
| 2022 | +2.3% |
| 2021 | +39.5% |
| 2020 | -1.5% |
| 2019 | +33.4% |
| 2018 | -20.6% |
| 2017 | +23.0% |
| 2016 | +53.6% |
| 2015 | -6.9% |
| 2014 | +8.6% |
| 2013 | +40.2% |
| 2012 | +66.8% |
| 2011 | -38.1% |
| 2010 | +33.1% |
| 2009 | -31.4% |
| 2008 | -82.0% |
| 2007 | -33.6% |
| 2006 | +14.9% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Lost 94.3% over that stretch · deepest drop along the way 95.6%, not recovered by the end of the data |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 52.5% over that stretch · deepest drop along the way 55%, back to its old high 8.2 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 11.4% over that stretch · deepest drop along the way 27.1%, back to its old high 25.5 months after the low |
Insider activity
Form 4 filings from 2025-10-29 to 2026-10-29 (25 read): 0 open-market purchases and 2 sales ($196K).
| Date | Insider | Type | Value |
|---|---|---|---|
| May 7, 2026 | Brian R Willman SEVP | sell | $196K |
| Sep 10, 2026 | Anil D Chadha Chief Financial Officer | sell | $23.00 |
Who owns it
Large shareholders (13G filings)
| Vanguard Capital Management | 7.62% | Mar 31, 2026 |
| Wellington Management Group LLP | 4.7% | Sep 30, 2025 |
ETFs with the most weight in RF
| IAT iShares U.S. Regional Banks ETF | 3.96% |
| ACSI American Customer Satisfaction ETF | 3.36% |
| YALL God Bless America ETF | 3.33% |
| KBWB Invesco KBW Bank ETF | 3.28% |
| FTXO First Trust Nasdaq Bank ETF | 3.25% |
| KRE SPDR S&P Regional Banking ETF | 2.92% |
| STNC Hennessy Stance ESG ETF | 2.28% |
| XUDV Franklin U.S. Dividend Multiplier Index ETF | 1.78% |
What could go wrong
- Concentrated in the South, Midwest and Texas. Most of its 1,247 branches are in these regions, and Florida alone has 270. A downturn in these local economies could cut loan demand and make it harder for borrowers to repay.
- Losses on real estate and other loans. Weak commercial or residential property markets could raise loan losses. Some home equity loans are second liens, which are repaid only after the first mortgage. Regions set aside $470 million for credit losses in 2025.
- Interest rate swings can squeeze profits. Most revenue comes from the gap between what loans and securities earn and what deposits and borrowings cost. If that gap narrows, profits fall. Rate swings also change the value of its bond holdings.
- Deposits could leave or cost more. Customers may move cash to higher-paying accounts, rival banks, or newer digital and crypto platforms. Replacing deposits with other funding usually costs more. A credit rating cut could also raise borrowing costs.
- Tight regulation and dividend limits. With over $100 billion in assets, Regions faces extra Federal Reserve oversight. It relies on payments from Regions Bank to fund its dividend, and regulators can restrict them or demand more capital.
- Cyber attacks and technology failures. A hack, data breach or system outage could disrupt customers, bring fines and lawsuits, and damage trust. Keeping pace with new technology, including AI, requires ongoing investment and brings new risks.
Recent events
- Quarterly results released; Investor presentation or announcement
- Executive or board change; Investor presentation or announcement
- Investor presentation or announcement
- Quarterly results released; Investor presentation or announcement
- Investor presentation or announcement
- Bylaws or fiscal year changed; Shareholder vote results
- Quarterly results released; Investor presentation or announcement
- Investor presentation or announcement
- Bylaws or fiscal year changed
- Quarterly results released; Investor presentation or announcement
For income and retirement investors
Regions has raised its dividend for at least nine straight years through fiscal 2025, and the true streak may be longer. Dividends per share rose from $0.62 in 2020 to $1.03 in 2025, about 10.7% a year. The 2025 dividend took 42.3% of earnings. The dividend yield was 3.91% as of October 28, 2026. Regions also spent about $2.4 billion buying back its own shares from fiscal 2021 to 2025, and its share count fell 10.6% between November 2021 and August 2026.
In the 2008 financial crisis, the stock lost 95.6% from peak to low. As of October 28, 2026, it still had not regained its October 2007 peak. It fell 55% in the 2020 COVID crash and recovered in about eight months. It fell 27.1% in the 2022 bear market and took about 25 months to recover. The annual report warns that dividends could be reduced or eliminated. As a single stock, Regions carries more risk than a diversified fund.
Questions investors ask
How does Regions Financial make money?
Mostly from interest. In fiscal 2025, Regions earned about $5.0 billion of net interest income. That is the gap between the interest it collects on loans and securities and the interest it pays on deposits and borrowings. Another $2.5 billion came from noninterest income, which includes fees from services such as wealth management and capital markets work. Total revenue was about $7.5 billion, and net income was about $2.2 billion. It reports three segments: Corporate Bank, Consumer Bank and Wealth Management.
Does Regions Financial raise its dividend every year?
Yes, so far. Regions has increased its dividend for at least nine straight years through fiscal 2025, and the true streak may be longer. Dividends per share rose to $1.03 in 2025, up from $0.98 in 2024 and $0.62 in 2020. That is growth of about 10.7% a year over five years. The 2025 dividend used 42.3% of earnings. Increases are not guaranteed. Bank regulators can limit payouts, and the company warns that dividends could be reduced or eliminated.
What is Regions Financial's P/E ratio and dividend yield?
As of October 28, 2026, Regions traded at about 12.3 times its 2025 earnings, and its dividend yield was 3.91%. The P/E, or price-to-earnings ratio, compares the share price with yearly profit per share. Regions earned $2.30 per share in 2025. Its stock market value was about $24.2 billion. A P/E can look low because investors expect slower growth or see more risk, so it is worth comparing with other regional banks.
Where does Regions Bank have branches?
Mostly in the South, the Midwest and Texas. As of December 31, 2025, Regions Bank ran 1,247 branches and 1,786 ATMs. Florida had the most at 270, followed by Tennessee (194), Alabama (184), Georgia (117), Mississippi (97) and Texas (85). It also had branches in Louisiana, Arkansas, Missouri, Illinois, Indiana, South Carolina, Kentucky, North Carolina, Iowa and Utah. The company is based in Birmingham, Alabama, and has specialty offices in New York, Washington D.C., Chicago and Salt Lake City.
How has Regions Financial stock performed over the long term?
It has gained over the past decade, with deep drops along the way. As of October 28, 2026, the share price was up 21.8% over one year. It had risen about 8.4% a year over five years and 14.6% a year over ten years. The longer record is rougher. The stock fell about 82% in 2008 and 38% in 2011, and its worst fall from peak to low was 96.3%. It still had not regained its 2007 high.