NYSE · Financial Services

Regions Financial Corporation

RF · Banks - Regional

$28.62

▼ -0.03 (-0.1%)

Cached · 10 min

Overall Grade

Defensive

Enterprising

Profitability

A⤢

Net Income Margin 29.8%

Fin. Health

F⤢

Years to Pay Off Debt 9.2 yrs

Valuation

F⤢

Margin of Safety 0.0%

Price-to-Book 1.40x

Cash Flow

A⤢

Free Cash Flow $863M

CapEx % of Net Income 0.7%

Owner Earnings $586M

Cash Flow

Free Cash Flow $863M

Operating cash flow minus capital expenditures. Buffett's most important metric — cash a business actually generates for its owners after maintaining and growing its asset base. Consistently positive FCF is one of the strongest indicators of a durable, well-run business regardless of accounting profits.

CapEx % of Net Income 0.7%

Capital expenditure as a share of net income. Low CapEx signals a capital-light business that doesn't need heavy reinvestment to sustain earnings — Buffett's ideal. High CapEx is structurally necessary in manufacturing, airlines, telecoms, and semiconductors. For these industries, a high reading reflects the business model, not poor management.

Owner Earnings $586M

Net Income + Depreciation & Amortisation − Capital Expenditures. Buffett's preferred measure of a company's true annual earning power — what could theoretically be distributed to owners without impairing the business. More reliable than reported EPS because it accounts for the capital cost of maintaining the business.

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

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.

Metric Explanations

What each dimension measures and where the thresholds come from.

Market Data

Market Cap $24.4B

Enterprise Value $29.1B

P/E (TTM) 11.88

Dividend Yield 3.65%

Exchange NYSE

Key Margins

Gross Profit N/A

Operating Margin N/A

Net Margin 29.8%

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 $28.62.

The business passes 4 of 5 of Graham's defensive criteria — adequate but not exceptional.

At $28.62, the stock trades at a 70% premium to its Graham Number of $16.87. Graham would consider this price speculative.

There is no margin of safety at the current price. Graham would advise patience and waiting for a better entry point.

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

Showing Key Metrics

Income Highlights

Metric	Q1 2026	Q4 2025
Gross Profit %	N/A•	N/A
Operating Margin %	N/A•	N/A
Net Income %	29.8%▲	27.8%
Diluted EPS	0.62▲	0.58

Balance Sheet Highlights

Metric	Q1 2026	Q4 2025	Q4 2024
Total Assets	$160.7B	$158.8B	N/A
Total Debt	$5.1B▲	$4.9B•	N/A
Working Capital	N/A•	N/A•	N/A
Years to Pay Debt	9.19	9.15	N/A

Cash Flow Highlights

Metric	Q1 2026	Q4 2025	Q4 2024
Free Cash Flow	$863M▲	-$322M•	N/A
Owner Earnings	$586M	$559M	N/A
CapEx % of Net Income	0.7%	0.6%	N/A

Income Statement

	2026	2025
Tax Effect Of Unusual Items	0	0
Tax Rate For Calcs	0	0
Total Unusual Items	0	0
Total Unusual Items Excluding Goodwill	0	0
Net Income From Continuing Operation Net Minority Interest	559,000	534,000
Reconciled Depreciation	23,000	22,000
Net Interest Income	1,248,000	1,281,000
Interest Expense	454,000	487,000
Interest Income	1,702,000	1,768,000
Normalized Income	559,000	534,000
Net Income From Continuing And Discontinued Operation	559,000	534,000
Diluted Average Shares	868,000	880,000
Basic Average Shares	863,000	875,000
Diluted EPS	0	0
Basic EPS	0	0
Diluted NI Availto Com Stockholders	539,000
Net Income Common Stockholders	539,000	514,000
Preferred Stock Dividends	20,000	20,000
Net Income	559,000	534,000
Net Income Including Noncontrolling Interests	559,000	534,000
Net Income Continuous Operations	559,000	534,000
Tax Provision	155,000	174,000
Pretax Income	714,000	708,000
Special Income Charges	0	0
Restructuring And Mergern Acquisition	0	0
Gain On Sale Of Security	-3,000	0
Selling General And Administration	707,000	694,000
Selling And Marketing Expense	29,000	29,000
General And Administrative Expense	678,000	665,000
Insurance And Claims	19,000	3,000
Salaries And Wages	659,000	662,000
Total Revenue	1,873,000	1,921,000
Operating Revenue	1,873,000	1,921,000
Occupancy And Equipment	180,000	186,000
Professional Expense And Contract Services Expense	28,000	30,000
Other Non Interest Expense	153,000	188,000

Balance Sheet

	2026	2025	2024
Treasury Shares Number	41,033	41,033
Preferred Shares Number	56,000	36,000
Ordinary Shares Number	854,316	867,013
Share Issued	895,349	908,046
Total Debt	5,137,000	4,884,000
Tangible Book Value	10,590,000	10,831,000
Invested Capital	22,547,000	22,558,000
Net Tangible Assets	11,959,000	12,200,000
Common Stock Equity	17,410,000	17,674,000
Preferred Stock Equity	1,369,000	1,369,000
Total Capitalization	21,916,000	23,177,000
Total Equity Gross Minority Interest	18,844,000	19,103,000
Minority Interest	65,000	60,000
Stockholders Equity	18,779,000	19,043,000
Gains Losses Not Affecting Retained Earnings	-1,718,000	-1,535,000
Other Equity Adjustments	-1,718,000	-1,535,000
Treasury Stock	1,371,000	1,371,000
Retained Earnings	10,517,000	10,205,000
Additional Paid In Capital	9,973,000	10,366,000
Capital Stock	1,378,000	1,378,000
Common Stock	9,000	9,000
Preferred Stock	1,369,000	1,369,000
Total Liabilities Net Minority Interest	141,897,000	139,711,000
Long Term Debt And Capital Lease Obligation	3,137,000	4,134,000
Long Term Debt	3,137,000	4,134,000
Current Debt And Capital Lease Obligation	2,000,000	750,000
Current Debt	2,000,000	750,000
Other Current Borrowings	2,000,000	750,000
Total Assets	160,741,000	158,814,000
Investments And Advances	34,488,000	34,869,000
Held To Maturity Securities	5,434,000	5,606,000
Available For Sale Securities	4,677,000	4,674,000
Goodwill And Other Intangible Assets	6,820,000	6,843,000
Other Intangible Assets	1,087,000	1,110,000
Goodwill	5,733,000	5,733,000
Net PPE	1,666,000	1,659,000
Accumulated Depreciation		-2,497,000	-2,534,000
Gross PPE		4,156,000	4,207,000
Leases		465,000	457,000
Construction In Progress		208,000	273,000
Other Properties		1,603,000	1,568,000
Machinery Furniture Equipment		1,471,000	1,500,000
Land And Improvements		409,000	409,000
Receivables	569,000	571,000
Accounts Receivable	569,000	571,000
Other Short Term Investments	24,377,000	24,589,000
Cash And Cash Equivalents	11,143,000	10,907,000
Cash Financial	3,445,000	3,112,000
Cash Cash Equivalents And Federal Funds Sold	11,143,000	10,907,000

Cash Flow

	2026	2025	2024
Free Cash Flow	863,000	-322,000
Repurchase Of Capital Stock	-401,000	-430,000
Repayment Of Debt	-1,000,000	-650,000
Capital Expenditure	-4,000	-3,000
End Cash Position	11,143,000	10,907,000
Beginning Cash Position	10,907,000	12,099,000
Changes In Cash	236,000	-1,192,000
Financing Cash Flow	1,549,000	-1,091,000
Cash Flow From Continuing Financing Activities	1,549,000	-1,091,000
Net Other Financing Charges	-2,000	0
Cash Dividends Paid	-250,000	-255,000
Preferred Stock Dividend Paid	-20,000	-20,000
Common Stock Dividend Paid	-230,000	-235,000
Net Preferred Stock Issuance		0	0
Preferred Stock Payments		0	0
Net Common Stock Issuance	-401,000	-430,000
Common Stock Payments	-401,000	-430,000
Net Issuance Payments Of Debt	1,450,000	-1,200,000
Net Short Term Debt Issuance	2,450,000	-550,000
Net Long Term Debt Issuance	-1,000,000	-650,000
Long Term Debt Payments	-1,000,000	-650,000
Investing Cash Flow	-2,180,000	218,000
Cash Flow From Continuing Investing Activities	-2,180,000	218,000
Net Other Investing Changes	-56,000	46,000
Net Investment Purchase And Sale	282,000	-324,000
Sale Of Investment	1,361,000	989,000
Purchase Of Investment	-1,079,000	-1,313,000
Net Intangibles Purchase And Sale	-4,000	-3,000
Purchase Of Intangibles	-4,000	-3,000
Operating Cash Flow	867,000	-319,000
Cash Flow From Continuing Operating Activities	867,000	-319,000
Change In Working Capital	105,000	-944,000
Change In Other Current Liabilities	-135,000	-723,000
Change In Other Current Assets	68,000	-190,000
Change In Receivables	172,000	-31,000
Changes In Account Receivables	172,000	-31,000
Other Non Cash Items	113,000	21,000
Deferred Tax	-15,000	-27,000
Deferred Income Tax	-15,000	-27,000
Depreciation Amortization Depletion	23,000	22,000
Depreciation And Amortization	23,000	22,000
Operating Gains Losses	-9,000	-40,000
Gain Loss On Investment Securities	3,000	0
Net Income From Continuing Operations	559,000	534,000

📊 Quarterly mode — Graham Fair Value & 7 Criteria require annual data. Switch to Annual for full analysis.

Quarter vs Same Quarter Last Year

YoY strips seasonality

Revenue Growth (YoY)

Prior year: $1.8B ▲ $1.9B +5.0%

Revenue growth vs same quarter last year strips seasonality. Consistent double-digit growth is a Buffett hallmark.

Net Margin

Prior year: 27.5% ▲ 29.8% +2.4pp

Net margin can be distorted by one-time items, tax timing, or interest costs — compare to operating margin for signal quality.

Quarterly Health Checks

3 Graham/Buffett criteria that are valid and reliable on quarterly data

✅ Adequate Size

Graham required scale for resilience. Quarterly revenue × 4 gives an annualised proxy.

$1.9B/qtr (≈$7.5B ann.)

vs > $1.5B annualised revenue

✅ Free Cash Flow

Buffett's most important single metric. A positive FCF quarter means the business generated real cash for owners after maintaining its asset base.

$863M

vs Positive

Operating Cash Flow

$867M

Latest quarter · Buffett's cash reality check

ROIC

N/A

Based on latest annual operating income

Market Cap / Net Assets

1.3x

Net Assets: $18.8B

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

0.26%

Low — management has little skin in the game

Return on Equity (ROE)

3.2%

Weak — poor returns on equity

Return on Assets (ROA)

0.3%

Poor — assets are not generating adequate returns

Share Buybacks (Latest Year)

$1.4B

Management is returning capital to shareholders via buybacks

Debt Trend YoY

+5.2% YoY

Debt is roughly stable

Leadership Team

John Turner Jr.

President, CEO & Chairman

Age 63

Pay: $5,813,850

1.040% of net income

Anil Chadha

Senior Executive VP & CFO

Age 46

Top Institutional Holders

Institution	% Owned	Shares
Blackrock Inc.	9.63%	82,218,346
Vanguard Capital Management LLC	6.58%	56,164,800
State Street Corporation	5.59%	47,713,498
Vanguard Portfolio Management LLC	4.70%	40,117,408
Wellington Management Group, LLP	4.23%	36,136,723
Charles Schwab Investment Management, Inc.	3.00%	25,571,718
Geode Capital Management, LLC	2.82%	24,084,795
Morgan Stanley	2.24%	19,114,744

Risk Analysis

Beta (Market Risk)

1.03

Moderate volatility — moves slightly more than market

Short Interest

8.3% of float

Moderate short interest

52-Week Price Range

Low: $21.99 Current: $28.62 High: $31.53

Currently at 69% of 52-week range