Is Regions Financial Corporation's (RF) Dividend Safe?
Regions Financial Corporation dividend safety review using yield, payout ratio, FCF payout, dividend growth, EPS support, and TGMCharts chart exhibits as of July 10, 2026.
By TGMCharts Research · Data as of · Updated
Regions Financial Corporation has a supported dividend setup only if earnings and cash flow continue to cover the payment. The current yield is 3.42%, with payout ratio at 45.89% and free-cash-flow payout ratio at 47.49%.
Dividend history matters, but the engine treats coverage as the decisive evidence. Consecutive increases stand at 13 years, while five-year dividend CAGR is 10.69% against five-year EPS CAGR of 17.53%.
- Regions Financial Corporation yields 3.42% and pays $1.06 per share.
- The payout ratio is 45.89% and the free-cash-flow payout ratio is 47.49%.
- Consecutive dividend increases stand at 13 years.
- Five-year dividend CAGR is 10.69% versus five-year EPS CAGR of 17.53%.
- Net margin is 23.13% and trailing P/E is 12.93x.
Dividend snapshot
The current payout, cash-flow coverage, and growth facts behind the dividend read.
The Read
Regions Financial Corporation starts the dividend safety check with a 3.42% yield, a dividend of $1.06 per share, and 13 years of consecutive increases. That history matters, but it does not settle the safety question by itself. The safety read depends on whether earnings, free cash flow, and dividend growth still support the payment.
The current payout ratio is 45.89% and the free-cash-flow payout ratio is 47.49%. Reading those together matters because a dividend is safest when accounting earnings and cash generation point in the same direction. When they diverge, the cash-flow exhibit deserves more weight than the streak.
RF dividend yield Chart
Dividend yield is the market-facing income exhibit and the first check for whether the current payout looks unusually attractive or stressed.
Latest dividend yield: 3.42%.
A yield of 3.42% is only useful when paired with payout support. A high yield can be a real income opportunity, but it can also reflect price pressure if earnings and free cash flow are not keeping up.
Dividend evidence table
Dividend safety depends on yield, payment growth, earnings coverage, and cash-flow coverage together.
Income Context And Payment Record
The yield chart shows what the market is offering today, while the dividend-per-share chart shows what the company has actually paid. Regions Financial Corporation has a five-year dividend CAGR of 10.69%, which is useful only if it remains aligned with the business. A payout can grow for a while from policy choice, but it eventually needs earnings and cash flow to carry it.
RF dividend per share Chart
Dividend per share shows the actual payment record behind the headline yield.
Latest dividend per share: $1.06.
The current dividend of $1.06 sits beside a record of 13 years of consecutive increases. That history earns attention, but it still has to be supported by current earnings and cash flow.
RF Price Chart
Latest close: $31.02 as of July 10, 2026.
A dividend yield of 3.42% should be read beside the price path. If the yield is rising because price is falling while payout ratios are already high, the dividend note should become more cautious rather than more enthusiastic.
Coverage Evidence Across The Payout
The primary exhibit is dividend yield because it captures the first question an income investor asks. The supporting exhibits then move from payment history to price pressure, EPS support, free cash flow, dividend growth, and margin quality. The safest reading comes when the yield, payment path, EPS line, cash-flow line, and margin record all point in a consistent direction.
RF free cash flow
Free cash flow is the cash-coverage exhibit behind the accounting payout ratio.
Latest free-cash-flow payout ratio: 47.49%.
The free-cash-flow payout ratio is 47.49%, so the cash-flow chart matters as much as the earnings chart. A dividend can look acceptable on EPS while still becoming fragile if cash generation falls behind the payment.
Earnings And Free Cash Flow Support
Dividend growth should not outrun the business for long. Regions Financial Corporation shows a five-year dividend CAGR of 10.69% against a five-year EPS CAGR of 17.53%, with net margin at 23.13%. If dividend growth is ahead of EPS growth, the payout and free-cash-flow exhibits become the decisive part of the note.
RF EPS
EPS history checks whether the earnings base is growing with the dividend.
Five-year EPS CAGR: 17.53%. This is endpoint-to-endpoint from the fiscal years shown — a depressed or negative start year can inflate it, so read it against the recent bars.
Five-year EPS CAGR of 17.53% is the earnings test for dividend growth. If dividend growth keeps running ahead of EPS, the engine should treat the article as needing a more cautious refresh.
RF dividend growth Chart
Dividend growth shows whether the payment has been compounding at a pace the business can sustain.
Five-year dividend CAGR: 10.69%.
A five-year dividend CAGR of 10.69% needs to be compared with the five-year EPS CAGR of 17.53%. The dividend story is healthier when those two lines are moving in the same broad direction.
RF net margin
Net margin helps distinguish a stable payout from one that depends on thin profitability.
Net margin (TTM): 23.13%. The bars below are annual fiscal years.
Net margin of 23.13% gives the dividend note a business-quality check. Strong margins do not guarantee safety, but weak or declining margins can reduce the cushion behind future increases.
Counterpoints And Risks
The main counterpoint is that a long dividend history can hide a narrowing cushion. A payout ratio of 45.89% and a free-cash-flow payout ratio of 47.49% should be watched together. If cash flow weakens, the dividend may look safer in the headline record than it is in the operating data.
Bull and bear case
Dividend support
- The dividend record is backed by 13 years of consecutive increases.
- The current yield of 3.42% is supported best when EPS and free cash flow remain aligned.
Dividend pressure
- The payout ratio at 45.89% leaves less room if earnings weaken.
- The free-cash-flow payout ratio of 47.49% is the cash check that can change the view quickly.
What Could Change The View
The dividend read should change if payout ratios move materially higher, if EPS growth falls behind dividend growth, or if the stored dividend record stops supporting the current payment. The nightly refresh should mark the article stale before those changes drift into the published page.
Methodology And Caveat
Every figure here is checked against the company's reported data, and the note is re-checked after each daily market-data update. It is not a buy or sell call: dividend safety can change quickly if earnings, cash flow, or management policy changes.
FAQ
Is RF's dividend safe?
Regions Financial Corporation yields 3.42% with a payout ratio of 45.89% and a free-cash-flow payout ratio of 47.49%. Those figures need to stay supported by EPS and cash flow for the dividend case to remain intact.
What supports RF's dividend?
The support comes from the dividend record, payout ratios, EPS growth, and the reported dividend growth path. Consecutive increases stand at 13 years.
What would make RF's dividend less safe?
A weaker safety read would come from a higher payout ratio, a higher free-cash-flow payout ratio, or dividend growth running ahead of five-year EPS CAGR of 17.53%.
What would change our mind
- Payout ratio moving materially above the current 45.89%.
- Free-cash-flow payout ratio deteriorating from 47.49%.
- Dividend growth running ahead of five-year EPS CAGR, currently 17.53%.
The bottom line
Regions Financial Corporation dividend safety research note from TGMCharts Research, grounded in precomputed fundamentals, chart exhibits, and a frozen claim ledger.
Read next: RF fundamentalsContinue with Regions Financial Corporation's full stock page.How we checked this researchShowHide
Data snapshot · By TGMCharts Research.
Every number in this note comes from data we compute and store ourselves from the company's reported figures, plus verbatim excerpts from its SEC filings. When a value isn't available we say so — we never fill gaps with estimates.
Latest filing excerpt
10-Q · filed 2026-05-07 · period 2026-03-31 · SEC EDGAR source
- “Net interest income (taxable-equivalent basis) totaled $1.3 billion in the first quarter of 2026, which increased $55 million compared to the first quarter of 2025.”
- “Non-interest expense was $1.1 billion in the first quarter of 2026 which increased $29 million compared to the first quarter of 2025.”
- “CASH AND CASH EQUIVALENTS Cash and cash equivalents increased approximately $236 million from year-end 2025 to March 31, 2026 primarily due to an increase in borrowed funds and, to a lesser degree, an increase in deposits.”
- “Commercial and industrial loans increased $2.0 billion since year-end 2025 and was driven primarily by power and utilities, manufacturing, healthcare and asset-based lending.”
Source pages
Exhibit sources
Research trail
Every number, checked
Every numeric or dated claim in this note was checked against our stored company data before publishing — each figure below links to the page it comes from.