NYSE · Financial Services

Regions Financial Corporation

RF · Banks - Regional

$27.66

▼ -0.52 (-1.86%)

Data cached · refreshes every 10 min

Mr. Market is currently offering Regions Financial Corporation at $27.66.

The business passes 5 of 6 of Graham's defensive criteria — adequate but not exceptional.

Overall Grade

Defensive

Enterprising

Profitability A

Net Income Margin 28.6%

Fin. Health B

Years to Pay Off Debt 2.3 yrs

Valuation D

Margin of Safety 15.4%

Price-to-Book 1.34x

Cash Flow A

Free Cash Flow $2.2B

CapEx % of Net Income 1.4%

Owner Earnings $2.3B

5/6

Graham Score

Enterprising

Defensive — Graham's strict criteria (P/B, P/E, dividends, stability) · Enterprising — Profitability & cash flow focused, accepts higher valuations for quality

Metric Explanations

What each dimension measures and where the thresholds come from.

Market Data

Market Cap $23.6B

Enterprise Value $20.7B

P/E (TTM) 11.48

Dividend Yield 2.77%

Exchange NYSE

Key Margins

Gross Profit N/A

Operating Margin N/A

Net Margin 28.6%

Company Info

Sector Financial Services

Industry Banks - Regional

Employees 19910

Country United States

Visit website

📖

Full Graham Analysis

Mr. Market is currently offering Regions Financial Corporation at $27.66.

The business passes 5 of 6 of Graham's defensive criteria — adequate but not exceptional.

At $27.66, the stock trades below its Graham Number of $32.72 — suggesting a margin of safety exists.

The margin of safety of 15.4% offers some protection but falls short of Graham's preferred 33% buffer.

Conclusion: This stock is better suited for Graham's Enterprising investor — one willing to devote time and skill to security selection.

About Regions Financial Corporation

Regions Financial Corporation, a financial holding company, provides various banking and related products and services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; home improvement lending, investment advisory services, equipment financing for commercial clients, small business customers, low-income housing tax credit corporate fund syndication services, financing to CRA-qualified customers, and broker-dealer services to commercial clients, as well as other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.

Showing Key Metrics

Income Highlights

Metric	2025	2024	2023	2022	2021
Gross Profit %	N/A •	N/A	N/A	N/A	N/A
Operating Margin %	N/A •	N/A	N/A	N/A	N/A
Net Income %	28.6% ▲	26.7%	27.4%	31.3%	N/A
Diluted EPS	2.30 ▲	1.93	2.11	2.28	N/A

Balance Sheet Highlights

Metric	2025	2024	2023	2022	2021
Total Assets	$158.8B	$157.3B	$152.2B	$155.2B	N/A
Total Debt	$4.9B ↓	$6.5B	$2.3B	$2.3B	N/A
Working Capital	N/A •	N/A	N/A	N/A	N/A
Years to Pay Debt	2.27	3.43	1.12	1.02	N/A

Cash Flow Highlights

Metric	2025	2024	2023	2022	2021
Free Cash Flow	$2.2B ▲	$1.5B	$2.2B	$2.8B	N/A
Owner Earnings	$2.3B	$2.2B	$2.5B	$2.9B	N/A
CapEx % of Net Income	1.4%	7.7%	7.6%	12.8%	N/A

Income Statement

	2025	2024	2023	2022	2021
Tax Effect Of Unusual Items	1,070	-588	-615	10,312
Tax Rate For Calcs	0	0	0	0
Total Unusual Items	5,000	-3,000	-3,000	47,000
Total Unusual Items Excluding Goodwill	5,000	-3,000	-3,000	47,000
Net Income From Continuing Operation Net Minority Interest	2,156,000	1,893,000	2,074,000	2,245,000
Reconciled Depreciation	84,000	144,000	236,000	353,000
Net Interest Income	4,991,000	4,818,000	5,320,000	4,786,000
Interest Expense	2,082,000	2,290,000	1,577,000	316,000
Interest Income	7,073,000	7,108,000	6,897,000	5,102,000
Normalized Income	2,152,070	1,895,412	2,076,385	2,208,312
Net Income From Continuing And Discontinued Operation	2,156,000	1,893,000	2,074,000	2,245,000
Diluted Average Shares	896,000	918,000	938,000	942,000
Basic Average Shares	892,000	916,000	936,000	935,000
Diluted EPS	0	0	0	0
Basic EPS	0	0	0	0
Diluted NI Availto Com Stockholders	2,061,000	1,774,000	1,976,000	2,146,000
Net Income Common Stockholders	2,061,000	1,774,000	1,976,000	2,146,000
Otherunder Preferred Stock Dividend					3,000
Preferred Stock Dividends	95,000	119,000	98,000	99,000
Net Income	2,156,000	1,893,000	2,074,000	2,245,000
Net Income Including Noncontrolling Interests	2,156,000	1,893,000	2,074,000	2,245,000
Net Income Continuous Operations	2,156,000	1,893,000	2,074,000	2,245,000
Tax Provision	587,000	461,000	533,000	631,000
Pretax Income	2,743,000	2,354,000	2,607,000	2,876,000
Special Income Charges	5,000	-3,000	-3,000	47,000
Other Special Charges	58,000	109,000	118,000	-50,000
Restructuring And Mergern Acquisition	-5,000	3,000	7,000	3,000
Gain On Sale Of Security	-53,000	-208,000	-5,000	-1,000
Selling General And Administration	2,787,000	2,748,000	2,754,000	2,481,000
Selling And Marketing Expense	113,000	110,000	110,000	102,000
General And Administrative Expense	2,674,000	2,638,000	2,644,000	2,379,000
Insurance And Claims	58,000	109,000	228,000	61,000
Salaries And Wages	2,616,000	2,529,000	2,416,000	2,318,000
Total Revenue	7,526,000	7,083,000	7,576,000	7,165,000
Operating Revenue	7,526,000	7,083,000	7,576,000	7,165,000
Occupancy And Equipment	709,000	684,000	701,000	692,000
Professional Expense And Contract Services Expense	111,000	94,000	85,000	263,000
Other Non Interest Expense	711,000	713,000	873,000	629,000

Balance Sheet

	2025	2024	2023	2022	2021
Treasury Shares Number	41,033	41,033	41,033	41,033
Preferred Shares Number	36,000	16,000	56,000	56,000
Ordinary Shares Number	867,013	908,478	922,343	934,491
Share Issued	908,046	949,510	963,376	975,524
Total Debt	4,884,000	6,493,000	2,330,000	2,284,000
Tangible Book Value	10,831,000	9,255,000	8,926,000	7,494,000
Invested Capital	22,558,000	22,657,000	18,100,000	16,572,000
Net Tangible Assets	12,200,000	10,970,000	10,585,000	9,153,000
Common Stock Equity	17,674,000	16,164,000	15,770,000	14,288,000
Preferred Stock Equity	1,369,000	1,715,000	1,659,000	1,659,000
Total Capitalization	23,177,000	23,872,000	19,759,000	18,231,000
Total Equity Gross Minority Interest	19,103,000	17,910,000	17,493,000	15,951,000
Minority Interest	60,000	31,000	64,000	4,000
Stockholders Equity	19,043,000	17,879,000	17,429,000	15,947,000
Gains Losses Not Affecting Retained Earnings	-1,535,000	-2,928,000	-2,812,000	-3,343,000
Other Equity Adjustments	-1,535,000	-2,928,000	-2,812,000	-3,343,000
Treasury Stock	1,371,000	1,371,000	1,371,000	1,371,000
Retained Earnings	10,205,000	9,060,000	8,186,000	7,004,000
Additional Paid In Capital	10,366,000	11,394,000	11,757,000	11,988,000
Capital Stock	1,378,000	1,724,000	1,669,000	1,669,000
Common Stock	9,000	9,000	10,000	10,000
Preferred Stock	1,369,000	1,715,000	1,659,000	1,659,000
Total Liabilities Net Minority Interest	139,711,000	139,392,000	134,701,000	139,269,000
Long Term Debt And Capital Lease Obligation	4,134,000	5,993,000	2,330,000	2,284,000
Long Term Debt	4,134,000	5,993,000	2,330,000	2,284,000
Current Debt And Capital Lease Obligation	750,000	500,000	0
Current Debt	750,000	500,000	0
Other Current Borrowings	750,000	500,000	0
Total Assets	158,814,000	157,302,000	152,194,000	155,220,000
Investments And Advances	34,869,000	32,267,000	30,275,000	30,042,000
Held To Maturity Securities	5,606,000	4,427,000	754,000	801,000
Available For Sale Securities	4,674,000	1,616,000	1,417,000	1,308,000
Goodwill And Other Intangible Assets	6,843,000	6,909,000	6,844,000	6,794,000
Other Intangible Assets	1,110,000	1,176,000	1,111,000	1,061,000
Goodwill	5,733,000	5,733,000	5,733,000	5,733,000
Net PPE	1,659,000	1,673,000	1,642,000	1,718,000
Accumulated Depreciation	-2,497,000	-2,534,000	-3,058,000	-2,963,000
Gross PPE	4,156,000	4,207,000	4,700,000	4,681,000
Leases	465,000	457,000	449,000	455,000
Construction In Progress	208,000	273,000	150,000	101,000
Other Properties	1,603,000	1,568,000	1,555,000	1,680,000
Machinery Furniture Equipment	1,471,000	1,500,000	2,137,000	2,025,000
Buildings And Improvements			1,555,000	1,680,000	1,651,000
Land And Improvements	409,000	409,000	409,000	420,000
Receivables	571,000	572,000	614,000	511,000
Accounts Receivable	571,000	572,000	614,000	511,000
Other Short Term Investments	24,589,000	26,224,000	28,104,000	27,933,000
Cash And Cash Equivalents	10,907,000	10,712,000	6,801,000	11,227,000
Cash Financial	3,112,000	2,893,000	2,635,000	1,997,000
Cash Cash Equivalents And Federal Funds Sold	10,907,000	10,712,000	6,801,000	11,227,000

Cash Flow

	2025	2024	2023	2022	2021
Free Cash Flow	2,151,000	1,452,000	2,151,000	2,814,000
Repurchase Of Capital Stock	-1,417,000	-848,000	-252,000	-230,000
Repayment Of Debt	-1,900,000	-100,000	-2,000,000	0
Issuance Of Debt	0	3,740,000	2,000,000	0
Issuance Of Capital Stock	0	489,000	0	0
Capital Expenditure	-30,000	-146,000	-157,000	-288,000
Interest Paid Supplemental Data	2,145,000	2,219,000	1,441,000	303,000
Income Tax Paid Supplemental Data	178,000	64,000	376,000	336,000
End Cash Position	10,907,000	10,712,000	6,801,000	11,227,000
Beginning Cash Position	10,712,000	6,801,000	11,227,000	29,411,000
Changes In Cash	195,000	3,911,000	-4,426,000	-18,184,000
Financing Cash Flow	-568,000	2,575,000	-5,127,000	-8,345,000
Cash Flow From Continuing Financing Activities	-568,000	2,575,000	-5,127,000	-8,345,000
Net Other Financing Charges	-23,000	-27,000	-35,000	-24,000
Cash Dividends Paid	-1,003,000	-994,000	-885,000	-762,000
Preferred Stock Dividend Paid	-91,000	-104,000	-98,000	-99,000
Common Stock Dividend Paid	-912,000	-890,000	-787,000	-663,000
Net Preferred Stock Issuance	-350,000	-11,000	0	0
Preferred Stock Payments	-350,000	-500,000	0	0
Preferred Stock Issuance	0	489,000	0	0
Net Common Stock Issuance	-1,067,000	-348,000	-252,000	-230,000
Common Stock Payments	-1,067,000	-348,000	-252,000	-230,000
Net Issuance Payments Of Debt	-1,650,000	4,140,000	0	0
Net Short Term Debt Issuance	250,000	500,000	0	0
Net Long Term Debt Issuance	-1,900,000	3,640,000	0	0
Long Term Debt Payments	-1,900,000	-100,000	-2,000,000	0
Long Term Debt Issuance	0	3,740,000	2,000,000	0
Investing Cash Flow	-1,418,000	-262,000	-1,607,000	-12,941,000
Cash Flow From Continuing Investing Activities	-1,418,000	-262,000	-1,607,000	-12,941,000
Net Other Investing Changes	-150,000	-158,000	-191,000	-94,000
Net Investment Purchase And Sale	-1,956,000	-1,281,000	437,000	-3,151,000
Sale Of Investment	5,306,000	8,331,000	3,047,000	5,840,000
Purchase Of Investment	-7,262,000	-9,612,000	-2,610,000	-8,991,000
Net Business Purchase And Sale			0	0	-1,182,000
Purchase Of Business			0	0	-1,182,000
Net Intangibles Purchase And Sale	-30,000	-146,000	-157,000	-288,000
Purchase Of Intangibles	-30,000	-146,000	-157,000	-288,000
Operating Cash Flow	2,181,000	1,598,000	2,308,000	3,102,000
Cash Flow From Continuing Operating Activities	2,181,000	1,598,000	2,308,000	3,102,000
Change In Working Capital	-732,000	-1,027,000	-574,000	-274,000
Change In Other Current Liabilities	-896,000	3,000	-659,000	2,092,000
Change In Other Current Assets	-87,000	-199,000	-109,000	-124,000
Change In Receivables	251,000	-831,000	194,000	-2,242,000
Changes In Account Receivables	251,000	-831,000	194,000	-2,242,000
Other Non Cash Items	156,000	-79,000	31,000	514,000
Deferred Tax	78,000	21,000	32,000	22,000
Deferred Income Tax	78,000	21,000	32,000	22,000
Depreciation Amortization Depletion	84,000	144,000	236,000	353,000
Depreciation And Amortization	84,000	144,000	236,000	353,000
Operating Gains Losses	-31,000	159,000	-44,000	-29,000
Gain Loss On Investment Securities	53,000	208,000	5,000	1,000
Net Income From Continuing Operations	2,156,000	1,893,000	2,074,000	2,245,000

These metrics estimate what Regions Financial Corporation is worth based on its fundamentals — independent of what the market currently prices it at. Graham's Fair Value and NCAV are conservative floors rooted in 1930s–60s principles. EPV assumes zero growth. None are price targets — they are reference points for judging whether the current price offers a margin of safety.

Graham's Fair Value

$32.72

Margin of Safety

15.4%

Market Cap ÷ Company Value

1.21

P/B Ratio

1.34

Warren's Owner Earnings

$2.3B

Latest fiscal year

Graham's 7 Criteria

Defensive Investor Checklist

5/6 — Enterprising Investor

✅ Adequate Size

$7.5B

vs > $1.5B revenue

✅ Earnings Stability

No loss years (4 yrs data)

vs No negative EPS years

✅ Dividend Record

2.77%

vs Uninterrupted dividends

❌ Earnings Growth

+0.9% EPS growth

vs > 33% EPS growth

✅ Moderate P/E Ratio

11.5x

vs P/E ≤ 15.0x

✅ Moderate Price-to-Book

1.34x P/B (P/E×P/B: 15.4)

vs P/B ≤ 1.5x | P/E × P/B ≤ 22.5

Net Current Asset Value

N/A

"Buy at two-thirds of net current assets." — Graham

Earnings Power Value

N/A

Per share, no-growth floor. Compare to current price.

Cash Flow Analysis

Metric	2025	2024	2023	2022	2021
Capital Expenditure % of Net Income	1.4%	7.7%	7.6%	12.8%	N/A
Repurchase of Capital Stock	-$1.4B	-$848M	-$252M	-$230M	N/A
Free Cash Flow	$2.2B ▲	$1.5B ▼	$2.2B ▼	$2.8B •	N/A •
Warren's Owner Earnings	$2.3B	$2.2B	$2.5B	$2.9B	N/A

Peers & Industry

No auto-detected peers for Banks - Regional. You can manually compare RF against any stock using the Compare tool.

"The management of a business is its most important single factor — more important than market position, patents, or financial structure."

— Benjamin Graham

Capital Allocation & Alignment

Insider Ownership

0.25%

Low — management has little skin in the game

Return on Equity (ROE)

12.2%

Adequate — returns are moderate

Return on Assets (ROA)

1.4%

Poor — assets are not generating adequate returns

Share Buybacks (Latest Year)

$1.4B

Management is returning capital to shareholders via buybacks

Debt Trend YoY

-24.8% YoY

Debt is declining — management is deleveraging

Leadership Team

John Turner Jr.

President, CEO & Chairman

Age 63

Pay: $5,813,850

0.270% of net income

Anil Chadha

Senior Executive VP & CFO

Age 46

Top Institutional Holders

Institution	% Owned	Shares
Vanguard Group Inc	12.29%	106,098,856
Blackrock Inc.	9.55%	82,427,019
State Street Corporation	5.66%	48,831,728
Wellington Management Group, LLP	4.09%	35,321,759
JPMORGAN CHASE & CO	3.76%	32,473,205
Charles Schwab Investment Management, Inc.	3.69%	31,837,339
Geode Capital Management, LLC	2.75%	23,748,400
Victory Capital Management Inc.	2.64%	22,836,163

Risk Analysis

Beta (Market Risk)

1.03

Moderate volatility — moves slightly more than market

Short Interest

7.9% of float

Moderate short interest

52-Week Price Range

Low: $20.55 Current: $27.66 High: $31.53

Currently at 65% of 52-week range

360investing