Regions Financial Corp. (RF) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
Regions Financial Corp. (RF) scores 6.0 out of 10 as of , computed from its reported financial statements. That reads as solid quality. The reading rests on solvency, and growth is what holds it back.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Regions Financial Corp.’s returns on capital beat their cost in most measured years: 4 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
On the filings behind it, Regions Financial Corp. earns 6.0 out of 10 for business quality as of October 16, 2026. That is solid quality on our scale. A solid reading is a respectable business with clear strengths and at least one area that falls short of the best in its field. The figure is a weighted average of five pillars, each scored from 0 to 10 against sector-aware benchmarks from reported statements.
Set against 261 Financials companies, Regions Financial Corp. lands at the 56th percentile, above the middle of the group. For reference, the middle of the group scores 5.9 and a company needs 6.8 to reach its top quarter, which leaves Regions Financial Corp. in line with the median.
On profitability, Regions Financial Corp. scores 6.6, an average reading. Its peers have a median of 6.8 across 255 Financials companies, which places it in line with them, at the 44th percentile. Middling returns are common and not a flaw in themselves, though they leave less slack when costs rise or demand softens.
Solvency scores 8.0 out of 10, which reads as strong. The median across 140 Financials companies is 8.5, so Regions Financial Corp. is below its peers on this pillar and ranks at the 38th percentile. Leverage in the middle of the range is rarely a problem in good years, and it is worth watching how quickly it would tighten in a weak one.
Regions Financial Corp.’s growth score is 2.6 out of 10 (weak). Against a median of 4.6 among 241 Financials companies, that is well below the group and the 24th percentile. Weak growth means revenue and earnings have been flat or shrinking against peers, which can be cyclical or a sign of a market that is maturing.
Regions Financial Corp.’s efficiency score is 5.4 out of 10 (average). Against a median of 5.8 among 211 Financials companies, that is in line with the group and the 39th percentile. Efficiency near the median says the operation is neither unusually lean nor unusually capital hungry.
Predictability scores 7.2 out of 10, which reads as strong. The median across 256 Financials companies is 4.9, so Regions Financial Corp. is well above its peers on this pillar and ranks at the 90th percentile. A strong predictability score rewards consistency: revenue and earnings that rarely surprise in either direction.
This is a lopsided profile. Solvency scores 8.0 but growth only 2.6, a gap of 5.4 points, so the overall hides a business that is excellent in one respect and weak in another. A solvency lead means the balance sheet is the company’s strongest asset, a cushion that buys time when trading gets harder. A growth shortfall often comes with size or a maturing market, and is less of a concern if the other pillars are strong.
Of everything that could lift Regions Financial Corp.’s score, growth matters most. Bringing it up to the 4.6 median of Financials companies would take the overall from 6.0 to roughly 6.4. All five pillars could be scored, so the overall uses the full set of weights out of 100: profitability 25, solvency 20, growth 20, efficiency 15, predictability 20.
These are the Financials companies closest to Regions Financial Corp. in market value. Each has its own page scored on the same five pillars, so the comparison is like for like.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Regions Financial Corp. scores 6.0 out of 10, which reads as solid quality. Its strongest pillar is solvency, its weakest is growth. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Regions Financial Corp. ranks at the 56th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Regions Financial Corp.’s 6.0.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for RF are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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