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A free scan shows the junk files, broken settings and background clutter dragging Windows down - then fixes them in one click.Free scan · Windows 10 & 11Regions Financial’s Series E preferred shares had an indicative annualized yield of about 7.27% at the reported October 1, 2026 closing price of $15.31. The calculation uses the latest located declared quarterly dividend, about $0.278125 per depositary share. Regions’ second-quarter earnings provide useful context, but they do not guarantee future preferred dividends.
What Regions preferred stock does the 7.2% figure refer to?
The figure refers to Regions Financial Corporation’s Series E preferred depositary shares, listed in the company’s SEC filing under NYSE symbol RF PRE and commonly displayed in market data as RF.PRE. Regions identifies the underlying security as 4.45% non-cumulative perpetual preferred stock. It is a preferred security, not Regions’ common stock.
The 4.45% stated rate and the approximately 7.27% market-price yield describe different things. The stated rate is tied to the $25 liquidation preference; the larger indicative yield results from dividing the annualized dividend by a market price below $25. It is not accurate to call 7.2% the security’s coupon.
How is the indicative yield calculated?
Regions’ July 15, 2026 dividend declaration set a quarterly dividend of $11.125 per Series E preferred share, equivalent to approximately $0.278125 per depositary share. Annualizing that quarterly amount gives $1.1125 per depositary share: $0.278125 × 4.
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Stock Analysis reports a $15.31 closing price for October 1, 2026, with prices attributed to S&P Global Market Intelligence. Using that dated secondary-market price, the calculation is $1.1125 ÷ $15.31 = approximately 7.27%. Regions did not quote this figure as a yield; it is a calculation from the declared dividend and market price.
This is an indicative current yield, not a fixed return. It assumes the quarterly dividend remains unchanged and is declared each quarter. If the share price changes, the calculated yield changes in the opposite direction; if a dividend is not declared, the annualized figure no longer describes payments received.
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What do Series E’s dividend and redemption terms mean?
Quarterly payments are not guaranteed
Preferred dividends are payable quarterly in arrears if declared. Series E is non-cumulative, so an omitted dividend does not automatically accrue as an amount the company must pay later. The July 15 declaration is the latest one located for this article, not confirmation of a future declaration.
Perpetual does not mean a guaranteed $25 repayment
Series E has no stated maturity. Redemption is at Regions’ option, subject to regulatory approval and the terms of the applicable filing. The $25 liquidation preference is not a promise that the market price will return to $25, nor does it establish when or whether the issuer will redeem the shares.
What do Regions’ second-quarter 2026 results say about dividend support?
Regions reported second-quarter 2026 net earnings of $549 million and diluted earnings per share of $0.64. On an adjusted basis, it reported earnings of $583 million and adjusted diluted EPS of $0.68. The adjusted figures are distinct from the reported, unadjusted results.
The company also reported a 10.7% Common Equity Tier 1 (CET1) capital ratio, or 9.5% inclusive of accumulated other comprehensive income (AOCI). These figures give investors information about reported profitability and capital at that point in time. They do not establish that future earnings, capital levels, or board decisions will support every preferred dividend.
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Assessing the ability to pay requires more than an earnings headline and one capital ratio. Investors weighing the preferred shares should also examine Regions’ current filings for developments in credit quality, deposits, liquidity, and regulatory capital, as well as future dividend declarations. Those factors provide context; none turns a non-cumulative dividend into a contractual promise of regular payments.
What risks should a prospective holder weigh?
- Dividend risk: Each quarterly payment depends on declaration, and a skipped Series E dividend does not automatically accumulate for later payment.
- Price risk: The market price can move, changing the indicative yield and the value at which an investor could sell.
- Redemption risk: Because redemption is at Regions’ option and subject to conditions, investors should read the Series E provisions rather than assume a particular redemption date or a return to the liquidation preference.
- Issuer risk: Earnings and capital figures are relevant evidence, but they cannot guarantee the company’s future capacity or decision to declare dividends.
How should investors compare Series E with another preferred share?
Do not compare securities using yield alone. Regions’ second-quarter 2026 Form 10-Q also lists Series C and Series F, which have different terms; their yields are not interchangeable with Series E’s. A useful comparison checks each security on the same dated basis:
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- Stated dividend rate and any reset terms.
- Indicative yield calculated from the same-date market price and the relevant declared dividend.
- Cumulative or non-cumulative dividend treatment.
- Redemption provisions and price relative to liquidation preference.
- The issuer’s earnings and capital context, using the same reporting period where possible.
Regions’ July 15, 2026 dividend declaration, its second-quarter 2026 results and Form 10-Q, and the October 1 price history are the dated sources for the figures above. The price-based yield is particularly time-sensitive; it should not be treated as a current quote after the cited market date.
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