Regions Financial Corporation (RF)

FairStock Score: 61/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a bank first as a business that must earn a respectable return on equity without taking hidden credit risk. Regions is a steady regional bank: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $570.0M and diluted EPS $0.64; in fiscal Q1 2026, the quarter ended 2026-03-31, net income was $559.0M and diluted EPS $0.62. For FY2025, the year ended 2025-12-31, net income was $2.2B and diluted EPS $2.30, up from $1.9B and $1.93 in FY2024, the year ended 2024-12-31. That is decent consistency, though recent quarterly profits are flattish. FairStock's computed Lynch category is STALWART—steady growth: profit 14.5% a year over five years—so the label fits a mature, unexciting compounder. At the $28.61 close on 2026-10-26, FairStock calculates P/E 11.22, P/B 1.48 and ROE 12.38%; the 4.19% dividend yield is meaningful, and beta 1.06 is market-like. A P/B near 1.5 on a 12.4% ROE looks fair rather than deeply cheap; PEG 9.02 and a FairStock score of 62/100 suggest the price already reflects modest growth. Piotroski 5/9 is mixed. I cannot judge leverage or credit risk properly because D/E is N/A, and CET1, net interest margin, and credit/underwriting metrics are not in the data; combined ratio is not a bank measure. This is a sound but unspectacular bank, priced roughly in line with its returns.

In plain English: Regions Financial is a regional bank that serves people and companies through corporate, consumer and wealth management services. Its recent quarterly profits have been steady—around $560 million to $570 million—and it pays a 4.2% dividend, so the business looks reasonably solid but not fast-growing. At the recent $28.61 close, the price looks roughly fair compared with its earnings and net worth, not an obvious bargain.

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Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer