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RF vs TFC
Which Stock Would AI Choose? Regions Financial (RF) vs. Truist Financial (TFC) Stock Comparison
Key Takeaways
- Both RF and TFC delivered Q1 2026 earnings beats, with RF posting EPS of $0.62 (up 15% YoY) and TFC at $1.09 (up 25% YoY).
- RF has outperformed TFC over the past year with returns around 38-44%, compared to TFC's 32%.
- TFC offers a higher dividend yield at 4.07% versus RF's 3.74%, appealing to income-focused investors.
- Year-to-date, RF edges out TFC with 5.54% gains versus 4.99%.
- TFC's larger market cap of $63.7B provides greater scale compared to RF's $24.2B.
- Analyst price targets suggest modest upside for both, with RF at $30.69 and TFC at $55.53.
Introduction
Regions Financial (RF) and Truist Financial (TFC) are prominent regional banks with significant exposure to the Southeastern U.S. market. This comparison evaluates their recent performance amid evolving interest rates and economic conditions, highlighting differences in scale, profitability, and momentum. Traders seeking short-term opportunities and long-term investors focused on dividends or growth may find value in assessing their relative positioning, business models, and market sentiment in the current environment.
RF Overview and Recent Performance
Regions Financial Corporation (RF) is a diversified financial services firm offering retail banking, commercial banking, wealth management, and mortgage services primarily in the Sun Belt region. In recent market activity, RF shares have traded around $28.33, near the upper end of their 52-week range of $19.93 to $31.53. The stock has shown resilience with year-to-date gains of 5.54% and strong one-year returns exceeding 40%. Q1 2026 results featured net income of $539 million and EPS of $0.62, surpassing estimates, driven by 5% revenue growth and improved credit metrics, including a bolstered CET1 (Common Equity Tier 1) capital ratio. Sentiment has been supported by loan growth and positive analyst upgrades, though net interest income (NII) pressures persist in a high-rate backdrop.
TFC Overview and Recent Performance
Truist Financial Corporation (TFC), formed from the BB&T and SunTrust merger, provides a broad range of banking, insurance, and investment services across the Southeast and Mid-Atlantic. Shares recently closed at $51.15, within a 52-week range of $37.51 to $56.20, reflecting a one-month gain of 15.05%. Year-to-date performance stands at 4.99%. Q1 2026 earnings highlighted net income available to common shareholders of $1.4 billion and EPS of $1.09, beating expectations with revenue up 5.1% year-over-year, fueled by investment banking and trading gains. Recent dividend declarations and loan growth projections of 3-4% for 2026 have bolstered investor confidence, despite scaled-back NII guidance.
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Head-to-Head Comparison
Both RF and TFC operate similar business models centered on regional banking with emphasis on deposits, loans, and fee-based services, but TFC’s larger scale ($63.7B market cap vs. $24.2B) enables broader diversification into insurance and investments. Growth drivers include loan expansion in growing Sun Belt markets, though both face NII (net interest income) headwinds from deposit costs. Recent momentum favors RF on longer-term returns, while TFC shows short-term strength. Risk factors encompass interest rate sensitivity (beta 1.04 for RF vs. 0.87 for TFC) and credit quality, with RF exhibiting higher ROE (11.9%) but TFC superior dividend appeal. Market sentiment leans positive for both post-earnings, with RF’s lower P/E (11.76 vs. 12.66) suggesting relative value.
Tickeron AI Verdict
Tickeron’s AI currently favors RF over TFC due to stronger trend consistency, superior one-year relative performance, lower valuation multiples, and robust Q1 profitability amid regional growth catalysts. While TFC offers scale and yield stability, RF’s momentum and efficiency position it probabilistically better for near-term upside in the current banking sector environment.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is RF is a StrongBuy and TFC is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
RF’s FA Score shows that 2 FA rating(s) are green whileTFC’s FA Score has 3 green FA rating(s).
- RF’s FA Score: 2 green, 3 red.
- TFC’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
RF’s TA Score shows that 5 TA indicator(s) are bullish while TFC’s TA Score has 5 bullish TA indicator(s).
- RF’s TA Score: 5 bullish, 4 bearish.
- TFC’s TA Score: 5 bullish, 5 bearish.
Price Growth
RF (@Regional Banks) experienced а +2.56% price change this week, while TFC (@Regional Banks) price change was +5.00% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +3.72%. For the same industry, the average monthly price growth was +7.76%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
RF is expected to report earnings on Jul 17, 2026.
TFC is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (+3.72% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| RF | TFC | RF / TFC | |
| Capitalization | 25B | 64.4B | 39% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 10.088 | 7.158 | 141% |
| P/E Ratio | 12.15 | 12.79 | 95% |
| Revenue | 7.62B | 20.6B | 37% |
| Total Cash | 3.45B | 4.97B | 69% |
| Total Debt | 5.14B | 69.1B | 7% |
RF | TFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 23 | 31 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 35 Fair valued | 24 Undervalued | |
PROFIT vs RISK RATING 1..100 | 42 | 92 | |
SMR RATING 1..100 | 9 | 7 | |
PRICE GROWTH RATING 1..100 | 19 | 21 | |
P/E GROWTH RATING 1..100 | 39 | 47 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
TFC's Valuation (24) in the null industry is in the same range as RF (35) in the Major Banks industry. This means that TFC’s stock grew similarly to RF’s over the last 12 months.
RF's Profit vs Risk Rating (42) in the Major Banks industry is somewhat better than the same rating for TFC (92) in the null industry. This means that RF’s stock grew somewhat faster than TFC’s over the last 12 months.
TFC's SMR Rating (7) in the null industry is in the same range as RF (9) in the Major Banks industry. This means that TFC’s stock grew similarly to RF’s over the last 12 months.
RF's Price Growth Rating (19) in the Major Banks industry is in the same range as TFC (21) in the null industry. This means that RF’s stock grew similarly to TFC’s over the last 12 months.
RF's P/E Growth Rating (39) in the Major Banks industry is in the same range as TFC (47) in the null industry. This means that RF’s stock grew similarly to TFC’s over the last 12 months.
| RF | TFC | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 65% | 3 days ago 57% |
| Stochastic ODDS (%) | 3 days ago 62% | 3 days ago 61% |
| Momentum ODDS (%) | 3 days ago 68% | 3 days ago 70% |
| MACD ODDS (%) | 3 days ago 63% | 3 days ago 76% |
| TrendWeek ODDS (%) | 3 days ago 62% | 3 days ago 60% |
| TrendMonth ODDS (%) | 3 days ago 58% | 3 days ago 55% |
| Advances ODDS (%) | 3 days ago 61% | 3 days ago 62% |
| Declines ODDS (%) | 18 days ago 63% | 18 days ago 63% |
| BollingerBands ODDS (%) | 3 days ago 73% | 3 days ago 59% |
| Aroon ODDS (%) | 3 days ago 58% | 3 days ago 56% |
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TFC and
Correlation & Price change
A.I.dvisor indicates that over the last year, TFC has been closely correlated with CFG. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if TFC jumps, then CFG could also see price increases.