BOH Q2 earnings beat estimates on strong net interest income, but shares fell due to lower fee income. Quarterly earnings beat on NII offset by fee income weakness produces moderate short-term stock reaction without altering long-term trajectory.
| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | — | — | — | — | — |
| Sell | — | — | — | 1 | — | — | — | 1 | — | — | — | 1 |
| total | individual payouts | |
|---|---|---|
| 2028 | ‡‡‡‡‡ |
|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 1.13 |
—
—
—
|
| 2025 | 1.03 |
—
—
—
—
|
| 2024 | 0.98 |
—
—
—
—
|
| 2023 | 0.88 |
—
—
—
—
|
| 2022 | 0.74 |
—
—
—
—
|
| 2021 | 0.65 |
—
—
—
—
|
| 2020 | 0.62 |
—
—
—
—
|
| 2019 | 0.59 |
—
—
—
—
|
| 2018 | 0.46 |
—
—
—
—
|
| 2017 | 0.32 |
—
—
—
—
|
| 2016 | 0.26 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 6,801.00 | 10,712.00 | 10,907.00 | 9,926.00 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 104,618.00 | 106,992.00 | 106,070.00 | 108,723.00 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 127,788.00 | 127,603.00 | 131,128.00 | 130,710.00 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 127,788.00 | 128,103.00 | 131,878.00 | 133,710.00 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 2,327.00 | 2,378.00 | — | — |
—
|
| ’25 | 2,315.00 | 2,430.00 | 2,455.00 | 2,408.00 |
9,608.00
|
| ’24 | 2,287.00 | 2,307.00 | 2,392.00 | 2,387.00 |
9,373.00
|
| ’23 | 2,175.00 | 2,315.00 | 2,332.00 | 2,331.00 |
9,153.00
|
| ’22 | 1,636.00 | 1,795.00 | 1,948.00 | 2,152.00 |
7,531.00
|
| ’21 | 1,654.00 | 1,625.00 | 1,655.00 | 1,671.00 |
6,605.00
|
| ’20 | 1,564.00 | 1,636.00 | 1,714.00 | 1,741.00 |
6,655.00
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 867.00 | 369.00 | — | — |
—
|
| ’25 | 1,066.00 | 573.00 | 861.00 | (319.00) |
2,181.00
|
| ’24 | 396.00 | 161.00 | 1,261.00 | (220.00) |
1,598.00
|
| ’23 | 196.00 | 397.00 | 860.00 | 855.00 |
2,308.00
|
| ’22 | 584.00 | 921.00 | 321.00 | 1,276.00 |
3,102.00
|
| ’21 | 719.00 | 709.00 | 841.00 | 761.00 |
3,030.00
|
| ’20 | 787.00 | 857.00 | 681.00 | (1.00) |
2,324.00
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 801.00 | 294.00 | — | — |
—
|
| ’25 | 964.00 | 487.00 | 822.00 | (277.00) |
1,996.00
|
| ’24 | 273.00 | 111.00 | 1,193.00 | (299.00) |
1,278.00
|
| ’23 | 145.00 | 337.00 | 720.00 | 763.00 |
1,965.00
|
| ’22 | 483.00 | 747.00 | 272.00 | 1,222.00 |
2,724.00
|
| ’21 | 681.00 | 673.00 | 803.00 | 710.00 |
2,867.00
|
| ’20 | 740.00 | 800.00 | 654.00 | (63.00) |
2,131.00
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.62 | 0.64 | — | — |
—
|
| ’25 | 0.51 | 0.59 | 0.61 | 0.58 |
2.30
|
| ’24 | 0.37 | 0.52 | 0.49 | 0.56 |
1.93
|
| ’23 | 0.62 | 0.59 | 0.49 | 0.39 |
2.11
|
| ’22 | 0.55 | 0.59 | 0.43 | 0.70 |
2.28
|
| ’21 | 0.63 | 0.77 | 0.65 | 0.43 |
2.49
|
| ’20 | 0.14 | (0.25) | 0.52 | 0.61 |
1.03
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 18.01 | 13.72 | 17.42 | 17.74 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 25.57 | 24.33 | 27.96 | 27.98 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 20,073 | 20,101 | 19,644 | 19,969 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.38 | 0.46 | 0.48 | 0.48 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7,531.00 | 9,153.00 | 9,373.00 | 9,608.00 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 95.80% | 82.77% | 75.57% | 78.33% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2,876.00 | 2,607.00 | 2,354.00 | 2,743.00 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 38.19% | 28.48% | 25.11% | 28.55% | ‡‡‡ | ‡‡‡ | ‡‡‡ |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2,245.00 | 2,074.00 | 1,893.00 | 2,156.00 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 353.00 | 236.00 | 144.00 | 84.00 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.05 | 9.78 | 10.23 | 10.77 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 2.29 | 2.14 | 1.94 | 2.31 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.32 | 2.47 | 1.74 | 2.45 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.40) | (0.37) | (0.35) | (0.21) | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.91 | 2.10 | 1.40 | 2.24 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 17.06 | 18.69 | 19.55 | 21.42 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 935.00 | 936.00 | 916.00 | 892.00 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.33 | 9.24 | 12.12 | 11.73 | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.67 | 1.99 | 2.30 | 2.52 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.40 | 1.15 | 1.33 | 1.36 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.49 | 1.74 | 2.02 | 2.03 | ‡‡‡ | ‡‡‡‡ | ‡‡‡‡ |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.12 | 8.08 | 14.81 | 9.77 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3,102.00 | 2,308.00 | 1,598.00 | 2,181.00 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (378.00) | (343.00) | (320.00) | (185.00) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2,724.00 | 1,965.00 | 1,278.00 | 1,996.00 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (24,106.00) | (23,170.00) | (21,111.00) | (25,808.00) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2,379.00 | 2,330.00 | 5,993.00 | 4,134.00 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (8,848.00) | (4,471.00) | (4,719.00) | (6,773.00) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 15,951.00 | 17,493.00 | 17,910.00 | 19,103.00 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.35% | 1.29% | 1.15% | 1.30% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | 25.31% | 12.51% | 11.15% | 13.90% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 13.86% | 13.12% | 11.08% | 12.15% | — | — | — |
ROE
|
Regions Financial Corporation (RF) has demonstrated remarkable steadiness over the past decade, weathering the COVID-19 downturn, a robust recovery powered by Federal Reserve rate hikes that expanded net interest margins, and the 2023 regional banking crisis—emerging unscathed due to its conservative loan portfolio, low uninsured deposits, and ample liquidity. Revenue compounded at a 6.3% CAGR from 2016 to 2024, reaching $9.4 billion, bolstered by sharp efficiency gains: revenue per employee surged 82% amid an 11% workforce cut. Yet, margins compressed amid rising funding costs, with forecasts signaling a 2025 peak before an 18% revenue drop in 2026, highlighting RF’s sensitivity to impending rate cuts.
Profitability metrics reflect resilience amid volatility—EPS peaked at $2.51 in 2021 before normalizing to $1.94 in 2024, with ROE holding steady at 11.1%, outpacing peers. The balance sheet shines with 81% debt reduction, growing equity, and positive free cash flow supporting aggressive buybacks (shares down 27% since 2016) and dividends. Valuation at 12.1x P/E and 1.3x P/B appears fair relative to historical norms and peers, with stock prices tracking fundamentals closely, including a 90% gain in annual highs.
Analysts eye 47% EPS growth by 2027 and modest upside (1-14%), but risks loom from recession signals, geopolitical tensions, and monetary easing. RF’s Southeast focus and superior asset quality position it for 10-12% annualized returns in a hold-to-overweight thesis, echoing past rate supercycles—read the full analysis for deeper projections and historical parallels.
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