When is RF's next earnings date?

Based on SEC filing cadence, Regions Financial Corporation (RF)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is RF stock expected to move on earnings?

Volatility modeling currently projects a ±4.1% event move for RF, spanning a range between $27.78 and $30.16.

Stock Ratings / Financials / RF / earnings

KEY (64) FCNCA (69) CFG (59) BBDO (44) ⌘ Pro Terminal →

Regions Financial Corporation (RF) Next Earnings Date & Expected ±4.1% Move

$28.97 +1.40% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.99

Regions Financial Corporation (RF) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $24.34B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Regions Financial Corporation (NYSE: RF) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $28.97 (+1.40% 1D, market cap $24.34B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, RF ranks #352 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RF compare to KEY and FCNCA in the Financials sector?

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Within the Financials sector (Major Banks), RF carries a Roarable C- (61/100 RQD), trailing P/E of 11.4x, gross margin of —, and ROIC of 0.1%. By comparison, KEY (KeyCorp) holds a C grade (64/100 RQD, P/E 12.5x, ROIC 2.6%, cap $22.54B) and FCNCA (First Citizens BancShares Inc.) posts a C+ grade (69/100 RQD, P/E 12.2x, ROIC 2.6%, cap $26.57B). Among the 5-stock peer group, RF leads on earnings multiple (11.4x) while KEY leads on capital efficiency (2.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RF?

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Per RF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001281761), Regions Financial Corporation generated $148.4M in revenue (-44.2% YoY), $2.16B in net income, and $2.18B in free cash flow against $158.81B in total assets and $62.87B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $28.99 (+0.06%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 1469.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE+1.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RF)Realized 20D OHLCV Swing Band: ±4.1%

Deterministic 5-Pillar Attribution (61/100 Composite)

🔍 WHY RF SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit5/20 pts (-15 pt drag)

Macro rate sensitivity & RSI-14 (55.2) create a -15 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$26.89+4.3% Next Q

Q2 (-2Q)

Grade C$28.05+1.2% Next Q

Q3 (-1Q)

Grade C$28.39+2% Next Q

Current

Grade C-$28.97+0.5% Hist 90D α

Trajectory: C- (53) → C- (61)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, RF faces multiple-compression risk if 11.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($28.41) or 200D SMA ($28.69) invalidates the momentum regime and cuts Target Base ($29.36) toward Bear Floor ($22.90).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “RF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 61%NO 39%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±4.1% Swing Band

±$1.19 Expected Swing

MODEL EARNINGS SETUP GAUGE

RF Quantitative Pre-Earnings Setup: 61/100

Trailing EPS: $2.53 • YoY Revenue Growth: 9.9%

Model Bullish Setup (61/100)Model Risk Weight (39/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$148.4M	$2.16B	$2.18B	52%
FY 2024	2024-12-31	$266.0M	$1.89B	$1.60B	52%
FY 2023	2023-12-31	$593.6M	$2.07B	$2.31B	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating RF & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on RF
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

RF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.74%▲ RESISTANCE BREAKOUT

2026-11-03O $28.88H $28.97L $28.57C $28.97VOL 11.75M

RES: $28.85SUP: $26.13SMA50: $28.41SMA200: $28.69

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RF Butterfly Map → + Track RF →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

1.5%/yr Implied 5Y Growth

vs. -44.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on RF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for RF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RF)

Financials Rank #352 of 1097 ⚔️ KEY vs RF Full Matrix →

1. Head-to-Head Financials Peer Comparison (RF vs. KEY, FCNCA, CFG, BBDO)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Regions Financial Corporation (RF) ranks #352 by composite RQD confidence (61/100, grade C-) and #106 by equity capitalization ($24.34B). Within this direct 5-issuer industry benchmark cohort, RF leads on earnings valuation at 11.4x trailing P/E, while KEY leads on capital efficiency and profitability with 2.6% ROIC and — gross margin. FCNCA currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with RF at 61/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
RF ACTIVE Regions Financial Corporation	C-	61/100	11.4x	—	0.1%	+1.40%	$24.34B	Benchmark Subject
KEY KeyCorp	C	64/100	12.5x	—	2.6%	+1.75%	$22.54B	/key-vs-rf →
FCNCA First Citizens BancShares Inc.	C+	69/100	12.2x	—	2.6%	+0.66%	$26.57B	/fcnca-vs-rf →
CFG Citizens Financial Group Inc.	C-	59/100	15.1x	—	2.1%	+1.76%	$26.75B	/cfg-vs-rf →
BBDO Banco Bradesco Sa (each representing one Common Share)	D	44/100	—	—	—	+0.41%	$27.10B	/bbdo-vs-rf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001281761 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Regions Financial Corporation (RF) reported GAAP revenue of $148.4M (-44.2% vs. FY2024 revenue of $266.0M , and -75.0% cumulative change since FY2023) , GAAP net income of $2.16B, operating cash flow of $2.18B, and free cash flow of $2.18B (+36.5% YoY). On the balance sheet, RF closed FY2025 with $158.81B in total assets against $62.87B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$148.4M	$2.16B	$2.18B	$2.18B	$158.81B	$62.87B
FY2024 (FY)	2024-12-31	$266.0M	$1.89B	$1.60B	$1.60B	$157.30B	$62.73B
FY2023 (FY)	2023-12-31	$593.6M	$2.07B	$2.31B	$2.31B	$13.53B	$3.17B

3. RF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does RF compare to KEY and FCNCA in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for RF?

Where is RF trading relative to its 50-day, 200-day, and 52-week technical levels?

RF last traded at $28.97 (+1.40% on volume of 10,631,758 shares), positioning the stock +1.97% above its 50-day simple moving average ($28.41) and +0.98% above its 200-day simple moving average ($28.69). Across its 52-week range of $23.59 to $32.47, RF sits at the 60.6% percentile with a 14-day RSI of 55.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($27.78 to $30.16).

Direct Sub-Reports: RF RQD Cockpit RF 12M Forecast RF Earnings & Move RF Dividends & DRIP RF Insiders & 13F RF Whale Options RF Profit Sankey RF News & Why

ROARABLE RATING BRIEF • RQD 61/100 (C-) ✓ SEC XBRL & RQD VERIFIED

RF — Regions Financial Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Regions Financial Corporation (RF) earns a live Roarable RQD composite score of 61/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $28.97 (+1.40% 1D, market capitalization $24.34B).

Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 0.1%, gross margin of —, operating margin of 0.8%, and free cash flow yield of 7.60%.
Whale 13F & Options Flow (13/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (5/20) + Forensic Balance Sheet (15/20): Incorporates a 1.06x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Regions Financial Corporation (RF) is a NYSE-listed issuer in the Financials sector, Major Banks industry..6B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Regions Financial Corporation (RF) reported $148.4M in annual revenue (up from $266.0M in FY2024, -44.2% YoY) and $2.16B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($593.6M revenue, $2.07B net income) through FY2025, RF scaled operating cash flow to $2.18B and free cash flow to $2.18B, backed by $158.81B in total assets against $62.87B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C- • RQD 61/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $23.59 – $32.47 52-week range.
🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 11.4x trailing P/E and 95.0x EV/EBITDA against 0.8% operating margins and a 1.06x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), RF carries a macro regime beta of 1.06 and gross margin of —.

Key Question #1: Can RF sustain or expand its 0.8% operating margin and 0.1% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $148.4M and free cash flow of $2.18B, how will capital allocation balance growth reinvestment against $62.87B in total debt?
Key Question #3: How sensitive is RF's 10.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.06x)?

RF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Regions Financial Corporation (RF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RF Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 1d ago

Regions Financial Shares Rise 2.27% as Third-Quarter Earnings Beat Estimates Despite Revenue Shortfall

Yahoo Finance report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Regions Financial Corporation 2026 Q3 - Results - Earnings Call Presentation (NYSE:RF) 2026-10-16

Seeking Alpha report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Regions Financial Corporation Depositary Shares, Each Representing a 1/40th Interest in a Share of 4.45% Non-Cumulative Perpetual Preferred Stock, Series E Estimates – BOATS:RF/PE

TradingView report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE AlphaStreet • 1d ago

Regions Financial (RF) Q3 2026 Preview: EPS Est. $0.66, Reports October 16

AlphaStreet report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Regions Financial to Participate in BancAnalysts Association of Boston Conference

Yahoo Finance report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE marketscreener.com • 1d ago

Earnings Flash (RF) Regions Financial Corporation Posts Q3 Adjusted EPS $0.73 per Share, vs. FactSet Est of $0.66

marketscreener.com report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Regions Financial Corporation $RF Stock Purchased by First Bank & Trust

MarketBeat report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Business Wire • 1d ago

Regions Financial Corp. Declares Quarterly Common and Preferred Stock Dividends

Business Wire report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RF Bull vs. Bear Conversation Board — What's Your Call at $28.97?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RF 🐻 33% BEARISH CONVICTION

SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $35.14 (+23.0%)

📌 Pinned Debate

Insider conviction (15/20) and a forensic balance sheet (Piotroski F 8/9, Altman Z 2.5) are the strongest pillars, alongside a 7.6% FCF

The street is overcomplicating Regions Financial Corporation (RF). Insider conviction (15/20) and a forensic balance sheet (Piotroski F 8/9, Altman Z 2.5) are the strongest pillars, alongside a 7.6% FCF yield and a forward P/E of 10.6.. With an RQD score of 61/100 (C-) and Forensic Balance Sheet at 15/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $30.86.

SectorRotator 🐂 BULL

@ShortSeller_Dan Fair point on 11.4x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $23.43 (-18.0%)

Spot @ $28.57

Macro regime fit scores only 8/20 on a 1.06 beta, and ROIC of 0.1% with reported operating income falling from $212.0M to $53.0M signal

Sitting on the sidelines or leaning short RF above $28.57. Macro regime fit scores only 8/20 on a 1.06 beta, and ROIC of 0.1% with reported operating income falling from $212.0M to $53.0M signals weak core returns.. Until Fundamental Cash Engine (13/20) and FCF yield (7.6%) inflect higher, upside is capped near $32.47.