Regions Financial vs KeyCorp
Regions Financial and KeyCorp are examined side by side to compare their business models, financial performance, and market context. The page presents neutral, accessible information about how each company operates, the sectors they prioritise, and how they position themselves in the banking landscape. Educational content, not financial advice.
Regions Financial and KeyCorp are examined side by side to compare their business models, financial performance, and market context. The page presents neutral, accessible information about how each co...
Why It's Moving
Regions Financial Hits 52-Week High Amid Strong 2025 Results and Optimistic 2026 Outlook
- Bank reported 2025 diluted EPS of $2.30 with an 18.25% ROATCE, highlighting top-tier profitability driven by a 3.70% net interest margin from falling deposit costs and asset repricing.
- 2026 guidance projects 2.5-4% NII growth, 3-5% adjusted non-interest income rise, and low-single-digit loan/deposit expansion, backed by tech upgrades like AI analytics and a new mobile app.
- CFO transition finalized with Anil D. Chadha stepping in March 31 on a $600K salary plus incentives, while a $3B buyback and quarterly dividends underscore capital return commitment.
Regions Financial Hits 52-Week High Amid Strong 2025 Results and Optimistic 2026 Outlook
- Bank reported 2025 diluted EPS of $2.30 with an 18.25% ROATCE, highlighting top-tier profitability driven by a 3.70% net interest margin from falling deposit costs and asset repricing.
- 2026 guidance projects 2.5-4% NII growth, 3-5% adjusted non-interest income rise, and low-single-digit loan/deposit expansion, backed by tech upgrades like AI analytics and a new mobile app.
- CFO transition finalized with Anil D. Chadha stepping in March 31 on a $600K salary plus incentives, while a $3B buyback and quarterly dividends underscore capital return commitment.
Investment Analysis
Pros
- Regions Financial has raised its dividend for 12 consecutive years and offers an attractive yield above 4%, highlighting its commitment to shareholder returns.
- The bank trades at a modest price-to-earnings ratio relative to near-term earnings growth, suggesting potential value for long-term investors.
- Recent investments in digital banking infrastructure and a planned cloud-based core platform are expected to improve operational efficiency and customer acquisition.
Considerations
- Regions Financial anticipates an increase in net charge-offs in 2025, which could signal weakening credit quality and pressure earnings.
- Revenue and earnings declined year-over-year in 2024, reflecting revenue headwinds and a less favourable interest rate environment.
- The bank faces persistent fintech competition and exposure to regional economic downturns, which could challenge future growth and margin expansion.
KeyCorp
KEY
Pros
- KeyCorp operates a diversified financial services model, including retail and commercial banking, investment management, and capital markets, reducing reliance on any single revenue stream.
- The company offers a comprehensive suite of products for both individuals and businesses, including specialised services like commercial leasing and student loan refinancing.
- KeyCorp’s institutional and commercial segments provide tailored banking solutions to middle market and corporate clients, supporting steady fee income and client retention.
Considerations
- As a regional bank, KeyCorp remains highly sensitive to macroeconomic cycles, especially interest rate movements and potential downturns in its core US markets.
- The bank faces increasing competition from both large national rivals and agile fintech firms, which could pressure margins and customer acquisition costs.
- Regulatory scrutiny and compliance costs remain elevated for regional banks, potentially limiting operational flexibility and increasing overhead.
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Regions Financial (RF) Next Earnings Date
Regions Financial is scheduled to announce its first quarter 2026 earnings on April 17, 2026, pre-market open. This earnings release will cover the three-month period ending March 31, 2026. Following the announcement, company executives will host a conference call to review the quarterly results with investors. Current analyst consensus expects the company to report Q1 2026 earnings per share of approximately $0.59.
Regions Financial (RF) Next Earnings Date
Regions Financial is scheduled to announce its first quarter 2026 earnings on April 17, 2026, pre-market open. This earnings release will cover the three-month period ending March 31, 2026. Following the announcement, company executives will host a conference call to review the quarterly results with investors. Current analyst consensus expects the company to report Q1 2026 earnings per share of approximately $0.59.
Which Baskets Do They Appear In?
Community Banking Catalyst
This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.
Published: July 14, 2025
Explore BasketBanks
These carefully selected banking stocks represent the financial institutions that keep the global economy running. Our professional analysts have handpicked these companies for their role in the digital transformation of financial services and their potential for steady returns.
Published: May 28, 2025
Explore BasketWhich Baskets Do They Appear In?
Community Banking Catalyst
This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.
Published: July 14, 2025
Explore BasketBanks
These carefully selected banking stocks represent the financial institutions that keep the global economy running. Our professional analysts have handpicked these companies for their role in the digital transformation of financial services and their potential for steady returns.
Published: May 28, 2025
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