Regions Financial Corporation — Earnings Quality Grade A
RF · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 28 days, change -2 days YoY
AR growth -0.2% vs revenue growth 6.3%
Revenue 6.3%, CFFO 36.5%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -79.5% vs revenue 6.3%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.01. Profits backed by cash
FCF $2.2B, FCF/NI = 1.00
Accruals ratio = -0.0%. Low accruals
Cash $10.9B covers debt $4.9B
Balance Sheet Health
Goodwill+Intangibles $6.8B = 36% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor RF continuously
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Altman Z-Score — Not Applicable
Regions Financial Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25