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...

Comparison Snapshot

Key Financial Metrics

RF

Metric

KEY

$23.85B

Market Cap

$23.26B

8.10%

Potential Profit

9.69%

Hold

Analyst Rating

Buy

Why It's Moving

Regions Financial Shares Slide After Q4 Earnings Miss Wall Street Expectations

Earnings came in at $0.57 per share, beating the company's historical beats but missing Zacks Consensus, highlighting potential slowdown in core banking momentum.
Stock tumbled 2.2% on January 19 following the release, with recent trading showing further downside to around $27.48 amid high volume.
Regional banks face headwinds from prime rate cuts like Regions Bank's recent drop to 7% in October, squeezing net interest margins as funding costs lag.

Sentiment:

🐻Bearish

Regions Financial Shares Slide After Q4 Earnings Miss Wall Street Expectations

Earnings came in at $0.57 per share, beating the company's historical beats but missing Zacks Consensus, highlighting potential slowdown in core banking momentum.
Stock tumbled 2.2% on January 19 following the release, with recent trading showing further downside to around $27.48 amid high volume.
Regional banks face headwinds from prime rate cuts like Regions Bank's recent drop to 7% in October, squeezing net interest margins as funding costs lag.

Sentiment:

🐻Bearish

Investment Analysis

Regions Financial

RF

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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About The Companies

Regions Financial (RF)

Regions Financial Corporation (RF) is a US regional bank providing consumer and commercial banking, mortgage, wealth management and payment services. With a market capitalisation of about $21.56 billion, it has a sizeable franchise concentrated in the Southeastern and Midwestern United States. Investors should know the stock is sensitive to the interest-rate environment — net interest margins and deposit costs are key drivers — and to the health of the loan portfolio, especially commercial and consumer credit. Regulatory oversight, capital and liquidity management influence the bank’s resilience. Regions has pursued both branch-based customer relationships and digital delivery, which can support growth but also requires investment. Earnings can be cyclical and dividends may vary with performance and policy. This summary is general, educational information only and not personalised investment advice; values can rise and fall and past performance is not a reliable guide to future returns. Consider your objectives, risk tolerance and, if needed, consult a qualified financial adviser.

KeyCorp (KEY)

KeyCorp (KEY) is a US regional bank holding company providing commercial and consumer banking, mortgage servicing and wealth management across several Midwestern and West Coast markets. With a market capitalisation of about $19.52 billion, Key operates a diversified deposit base and lending portfolio that includes commercial and industrial loans, real estate finance and consumer credit, while generating fee income from wealth and treasury services. Management has emphasised digital investment and fee‑based growth alongside traditional lending. Key risks include interest‑rate sensitivity, credit cycle exposure, regulatory oversight and regional economic concentration; net interest margin and loan‑loss provisioning can change materially with macro conditions. Investors should watch capital ratios, asset quality, deposit stability and management execution. This is general educational information only and not personal advice — values can fall as well as rise and past performance is not a guide to the future.

Regions Financial (RF) Next Earnings Date

Regions Financial (RF) released its Q4 and full-year 2025 earnings on January 16, 2026. The next earnings report, covering the first quarter of 2026 (ending March 2026), is expected on April 16 or 17, 2026, aligning with the company's historical mid-April pattern for Q1 results. This date remains unconfirmed by the company as of now.

Regions Financial (RF) Next Earnings Date

Regions Financial (RF) released its Q4 and full-year 2025 earnings on January 16, 2026. The next earnings report, covering the first quarter of 2026 (ending March 2026), is expected on April 16 or 17, 2026, aligning with the company's historical mid-April pattern for Q1 results. This date remains unconfirmed by the company as of now.

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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 Basket

Banks

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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Comparison Snapshot

Why It's Moving

Regions Financial Shares Slide After Q4 Earnings Miss Wall Street Expectations

Regions Financial Shares Slide After Q4 Earnings Miss Wall Street Expectations