Regions Financial stock | Growth outlook for 2026 & price target

Regions Financial

NYSE:RF

$ 26,28

$-0,13 (-0,49%)

26,28 $

$-0,13 (-0,49%)

End-of-day quote: 12/05/2025

Regions Financial Stock Value

The current analyst rating for NYSE:RF is Outperform.

Outperform

Regions Financial Company Info

EPS Growth 5Y

6,56%

Market Cap

$23,04 B

Long-Term Debt

$5,09 B

Short Interest

1,35%

Annual earnings

01/16/2026

Dividend

$1,05

Dividend Yield

4,01%

Founded

1971

Industry

Financials

Country

United States

ISIN Number

US7591EP1005

Website

http://www.regions.com

Analyst Price Target

$28,00

6.54%

Last Update: 12/06/2025

Analysts: 23

Highest Price Target $33,00

Average Price Target $28,00

Lowest Price Target $26,00

In the last five quarters, Regions Financial’s Price Target has risen from $20,78 to $27,40 - a 31,86% increase. Thridteen analysts predict that Regions Financial’s share price will increase in the coming year, reaching $28,00. This would represent an increase of 6,54%.

Top growth stocks in the financials sector (5Y.)

What does Regions Financial do?

Regions Financial Corporation (Regions) operates as financial holding company. Regions provides financial solutions for a wide range of clients including retail and mortgage banking services, commercial banking services and wealth and investment services. Further, Regions and its subsidiaries deliver other financial services. Regions conducts its banking operations through Regions Bank, an Alabama state-chartered commercial bank that is a member of the Federal Reserve System. In addition to it...

Further, Regions and its subsidiaries deliver other financial services. Regions conducts its banking operations through Regions Bank, an Alabama state-chartered commercial bank that is a member of the Federal Reserve System.

In addition to its banking operations, Regions and its subsidiaries deliver specialty capabilities including merger and acquisition advisory services, capital markets solutions, home improvement lending, investment advisory services, equipment financing for commercial clients and small business customers, low income housing tax credit corporate fund syndication and asset management, financing to CRA-qualified customers, investment and insurance products, broker-dealer services to commercial clients, and others.

Business Segments

The company operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management, with the remainder in Other.

The Corporate Bank segment represents the company's commercial banking functions including commercial and industrial, commercial real estate and investor real estate lending. This segment also includes equipment lease financing, as well as capital markets activities, which include securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition and other advisory services. Corporate Bank customers include corporate, middle market, and commercial real estate developers and investors. Corresponding deposit products related to these types of customers are also included in this segment.

The Consumer Bank segment represents the company's branch network, including 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. These services are also provided through the company's digital channels and contact center.

The Wealth Management segment offers individuals, businesses, governmental institutions and non-profit entities a wide range of solutions to help protect, grow and transfer wealth. Offerings include credit related products, trust and investment management, asset management, retirement and savings solutions and estate planning.

Other includes the company's Treasury function, the securities portfolio, wholesale funding activities, interest rate risk management activities and other corporate functions that are not related to a strategic business unit.

Lending

As of December 31, 2024, the company's loans included commercial and industrial; commercial real estate mortgage-owner-occupied; commercial real estate construction-owner-occupied; commercial investor real estate mortgage; commercial investor real estate construction; Residential first mortgage; home equity lines; home equity loans; consumer credit card; other consumer-exit portfolios; and other consumer loans.

Commercial

The commercial portfolio segment includes commercial and industrial loans to commercial customers for use in normal business operations to finance working capital needs, equipment purchases or other expansion projects. Commercial also includes owner-occupied commercial real estate mortgage loans to operating businesses, which are loans for long-term financing on land and buildings, and are repaid by cash flow generated by business operations. Owner-occupied commercial real estate construction loans are made to commercial businesses for the development of land or construction of a building where the repayment is derived from revenues generated from the business of the borrower.

Investor Real Estate

Loans for real estate development are repaid through cash flow related to the operation, sale or refinance of the property. This portfolio segment includes extensions of credit to real estate developers or investors where repayment is dependent on the sale of real estate or income generated from the real estate collateral. A portion of Regions’ investor real estate portfolio segment consists of loans secured by residential product types (land, single-family and condominium loans) within Regions’ markets. Additionally, this category includes loans made to finance income-producing properties such as apartment buildings, office and industrial buildings, and retail shopping centers.

Consumer

The consumer portfolio segment includes residential first mortgage, home equity lines, home equity loans, consumer credit card, and other consumer.

Residential First Mortgage

Residential first mortgage loans represent loans to consumers to finance a residence. These loans are typically financed over a 15-to-30-year term and, in most cases, are extended to borrowers to finance their primary residence.

Home Equity Lines

Home equity lines are secured by a first or second mortgage on the borrower's residence and allow customers to borrow against the equity in their homes.

Home Equity Loans

Home equity loans are also secured by a first or second mortgage on the borrower's residence, are primarily originated as amortizing loans, and allow customers to borrow against the equity in their homes. Substantially all this portfolio was originated through Regions’ branch network.

Consumer Credit Quality Data

The company calculates an estimate of the current value of property secured as collateral for both residential first mortgage and home equity lending products (current LTV). The estimate is based on home price indices compiled by a third party. The third-party data indicates trends for MSAs. Regions uses the third-party valuation trends from the MSAs in the company's footprint in its estimate. The trend data is applied to the loan portfolios considering the age of the most recent valuation and geographic area.

Consumer Credit Card

Consumer credit card lending represents primarily open-ended variable interest rate consumer credit card loans.

Other Consumer-Exit Portfolios

Other consumer—exit portfolios includes lending initiatives through third parties consisting of loans made through automotive dealerships. Regions ceased originating new loans related to these businesses prior to 2020.

Other Consumer

Other consumer loans primarily include indirect and direct consumer loans, overdrafts and other revolving loans. Regions considers factors such as periodic updates of FICO scores, accrual status, days past due status, unemployment rates, home prices, and geography as credit quality indicators for the consumer loan portfolio. FICO scores are obtained at origination and refreshed FICO scores are obtained by the company quarterly for most consumer loans.

Deposits

As of December 31, 2024, the company’s deposits included non-interest-bearing demand; interest-bearing checking; savings; money market—domestic; and time deposits.

Supervision and Regulation

The company is subject to the extensive regulatory framework applicable to BHCs and their subsidiaries. This framework is intended primarily for the protection of depositors, the FDIC's DIF and the banking system as a whole and is not intended for the protection of shareholders or other investors.

As a Bank Holding Company (BHC), Regions is subject to regulation under the BHC Act and to regulation, examination and supervision by the Federal Reserve. Regions has elected to be treated as a Financial Holding Company (FHC), which allows it to engage in a broader range of activities than would otherwise be permissible for a BHC. The BHC Act provides for umbrella regulation of FHCs by the Federal Reserve and functional regulation of holding company subsidiaries by applicable regulatory agencies. The BHC Act also requires the Federal Reserve to examine any subsidiary of a BHC, other than a depository institution, engaged in activities permissible for a depository institution. The Federal Reserve is also granted the authority, in certain circumstances, to require reports of, examine and adopt rules applicable to any holding company subsidiary.

Regions Bank is an Alabama state-chartered bank and a member of the Federal Reserve System. Its operations are generally subject to supervision and examination by both the Federal Reserve and the Alabama State Banking Department. Regions Bank is also affected by the actions of the Federal Reserve as it implements monetary policy. As a Federal Reserve System member bank, Regions Bank is required to hold stock in the Federal Reserve Bank of Atlanta in an amount equal to six percent of its capital stock and surplus. Member banks with total assets in excess of $10 billion, including Regions Bank, receive a floating rate dividend tied to 10-year U.S. Treasuries, with the maximum dividend rate capped at six percent.

Regions Bank and its affiliates that provide consumer financial products and services are also subject to supervision, regulation and examination by the CFPB with respect to consumer protection laws and regulations.

Regions and certain of its subsidiaries and affiliates, including those that engage in derivatives transactions, securities underwriting, market making, brokerage, investment advisory and insurance activities, are subject to other federal and state laws and regulations, as well as supervision and examination by other federal and state regulatory agencies and other regulatory authorities, including the SEC, CFTC, FINRA and the NYSE. Regions Bank is also subject to additional state and federal laws, as well as various compliance regulations, that govern its activities, the investments it makes and the aggregate amount of loans that may be granted to one borrower.

As a BHC with over $100 billion in total consolidated assets, the company is subject to enhanced prudential standards and capital rules (the Tailoring Rules). Sections 23A and 23B of the Federal Reserve Act and the Federal Reserve's Regulation W restrict transactions between a bank and its affiliates, including a parent BHC. Regions Bank is subject to these restrictions, which include quantitative and qualitative limits on the amounts and types of transactions that may take place, including extensions of credit to affiliates, investments in the stock or securities of affiliates, purchases of assets from affiliates and certain other transactions with affiliates. These restrictions also require that credit transactions with affiliates be collateralized and that transactions with affiliates be on market terms or better for the bank. Generally, a bank's covered transactions with any affiliate are limited to 10% of the bank's capital stock and surplus and covered transactions with all affiliates are limited to 20% of the bank's capital stock and surplus.

Regions Bank's deposits are insured by the FDIC up to the applicable limits, which is currently $250,000 per account ownership type. The FDIC imposes a risk-based deposit premium assessment system that determines assessment rates for an IDI based on an assessment rate calculator, which is based on a number of elements to measure the risk each IDI poses to the DIF. The assessment rate is applied to total average assets less tangible equity, as defined under the Dodd-Frank Act. The assessment rate schedule can change from time to time at the discretion of the FDIC, subject to certain limits. Under the current system, premiums are assessed quarterly.

As a part of the FDIC Part 370 recordkeeping requirements, Regions is subject to facilitate rapid and accurate payment of FDIC-insured deposits to customers when large IDIs fail. FDIC rules require IDIs with two million or more deposit accounts to maintain complete and accurate data on each depositor's ownership interest by right and capacity and to develop the capability to calculate the insured and uninsured amounts for each deposit owner by ownership right and capacity.

The company is subject to a number of federal and state consumer protection laws, including laws designed to protect customers and promote lending to various sectors of the economy and population. These laws include, but are not limited to, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Truth in Lending Act, the Home Mortgage Disclosure Act, the Real Estate Settlement Procedures Act, the Truth in Savings Act, the Electronic Funds Transfer Act, the Consumer Financial Protection Act and their respective state law counterparts.

The CRA (Community Reinvestment Act) requires Regions Bank's primary federal bank regulatory agency, the Federal Reserve, to assess the bank's record in meeting the credit needs of the communities served by the bank, including low- and moderate-income neighborhoods and persons. Institutions are assigned one of four ratings: Outstanding, Satisfactory, Needs to Improve or Substantial Noncompliance. The CRA record of each subsidiary bank of a FHC also is assessed by the Federal Reserve in connection with reviewing any proposed acquisition or merger application. Regions Bank's most recent CRA rating from the Federal Reserve was Satisfactory.

The company's compensation practices are subject to oversight by the Federal Reserve. As required by Anti-Money Laundering Act of 2020 (AMLA), in June 2021, the Financial Crimes Enforcement Network (FinCEN), which promulgates the implementing regulations of the USA PATRIOT Act, BSA, and other anti-money laundering legislation, issued the national anti-money laundering and countering the financing of terrorism priorities.

As required by Anti-Money Laundering Act (AMLA), in June 2021, Financial Crimes Enforcement Network (FinCEN), which promulgates the implementing regulations of the USA PATRIOT Act, BSA, and other anti-money laundering legislation, issued the national anti-money laundering and countering the financing of terrorism priorities.

The company's subsidiaries, Regions Securities LLC and BlackArch Securities LLC, are registered broker-dealers with the SEC and FINRA, and Regions Investment Management, Inc. and Highland Associates, Inc. are registered investment advisers with the SEC. These subsidiaries are, as a result, subject to regulation and examination by the U.S. Securities and Exchange Commission (SEC), FINRA and other self-regulatory organizations. These regulations cover a broad range of issues, including capital requirements; sales and trading practices; use of client funds and securities; the conduct of directors, officers and employees; record-keeping and recording; supervisory procedures to prevent improper trading on material non-public information; qualification and licensing of sales personnel; and limitations on the extension of credit in securities transactions. In addition to federal registration, state securities commissions require the registration of certain broker-dealers, and investment advisers.

History

Regions Financial Corporation was founded in 1971. The company was incorporated in 2004.

Regions Financial Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Banking: 65% Mortgage Financing: 20% Asset Management: 15% TOP 3 Markets: Alabama: 30% Florida: 25% Tennessee: 20% Regions Financial Corporation generates the majority of its revenues from traditional banking, followed by mortgage financing and asset management services. The primary market is Al...

At which locations are the company’s products manufactured?

Headquarters: Birmingham, Alabama, USA Regions Financial Corporation is a financial services company and not a manufacturing company. It offers banking and financial services, including personal and business banking, asset management, and mortgage financing. Therefore, the company does not produce p...

What strategy does Regions Financial pursue for future growth?

Strategy for Future Growth: Digitization and Technology Investments: Regions Financial Corporation is increasingly focusing on digitizing its services. By investing in modern technologies and digital platforms, the company aims to enhance customer experience and operate more efficiently. Expansi...

Which raw materials are imported and from which countries?

Main raw materials/materials: Financial services Import countries: Not applicable Regions Financial Corporation is a financial services company and not a production or manufacturing firm. Therefore, it does not import physical raw materials or materials. The company offers banking services, asset ma...

How strong is the company’s competitive advantage?

Market share in the Southeastern USA: 8% (2024) Return on equity (ROE): 11.5% (2024) Cost efficiency ratio: 58% (2024) Regions Financial Corporation has a significant competitive advantage in the Southeastern USA, where it holds a market share of approximately 8%. This regional focus enables the com...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: 78% (2025, estimated) Insider Buys/Sells: No significant transactions in the last quarter (2025, estimated) The institutional investor share in Regions Financial Corporation is approximately 78%. This demonstrates the confidence of large investors in the stability and g...

What percentage market share does Regions Financial have?

Market share of Regions Financial Corporation: Estimate: approx. 2% (2025) Top competitors and their market shares: JPMorgan Chase & Co.: approx. 11% Bank of America: approx. 10% Wells Fargo: approx. 8% Citigroup: approx. 7% U.S. Bancorp: approx. 4% Truist Financial: approx. 3% PNC Financial Se...

Is Regions Financial stock currently a good investment?

Revenue Growth: 4.5% (2024) Profit Growth: 3.8% (2024) Return on Equity: 9.2% (2024) Risk Factors: Increased interest rate volatility, regulatory changes Regions Financial Corporation recorded a moderate revenue growth of 4.5% in 2024, indicating stable demand for its financial services. The profit...

Does Regions Financial pay a dividend – and how reliable is the payout?

Dividend Yield: 3.5% (estimated for 2025) Dividend History: Continuous payout over the last 5 years Regions Financial Corporation regularly pays dividends to its shareholders. The dividend yield is currently around 3.5%, which is in the mid-range compared to other banks. The payout is considered rel...

Regions Financial Stock Value

Regions Financial Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Regions Financial do?

Regions Financial Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal