Regions Financial Corporation (RF)
Regions Financial is a Southeast regional bank offering consumer, commercial, and wealth services.
RF vs USB: how the two businesses compare
Regions Financial (RF) and U.S. Bancorp (USB) do not both have comparable annual revenue in the SEC XBRL snapshot, so this comparison rests on business descriptions, classifications, and filings. Both file with the SEC under the same industry code, SIC 6021 (National Commercial Banks).
Figures come from each company's own SEC filings. This page compares the businesses; it is not a price target or a verdict.
- Financials
- National Commercial Banks
- Same classification
- December 31
- Same calendar
- Feb 24, 2026
RF vs USB: quick comparison
| Company fact | RF | USB |
|---|---|---|
| Company | Regions Financial Corporation | U.S. Bancorp |
| Exchange | NYSE | NYSE |
| SEC industry | National Commercial Banks | National Commercial Banks |
| Fiscal year-end | December 31 | December 31 |
| Latest annual filing | 10-K · 2026-02-24 | 10-K · 2026-02-23 |
Where RF and USB overlap, and where they don't
Overlap
- Same SEC industry: both report under SIC 6021, National Commercial Banks.
- Shared research theme: Rates & central banks.
- Same fiscal calendar: both fiscal years end December 31.
Differences
No differences in classification, themes, or calendar are recorded in the data; the differences sit in the businesses described below.
Overlap is drawn from SEC classifications and Yield Theory research themes. It is not evidence that the companies sell to the same customers or compete product for product.
U.S. Bancorp (USB)
U.S. Bancorp is a large regional bank offering consumer and commercial banking and payment services.
What moves each company
Company-specific drivers maintained by Yield Theory. Use them to decide which filing deserves deeper work; they are not predictions.
What moves RF
We have not yet published a company-specific driver list for RF. The primary source is Item 1 (Business) and Item 1A (Risk Factors) of its 10-K filed 2026-02-24.
What moves USB
We have not yet published a company-specific driver list for USB. The primary source is Item 1 (Business) and Item 1A (Risk Factors) of its 10-K filed 2026-02-23.
The investment question
You now know how RF and USB are classified, when their fiscal years end, and where their exposures overlap. Those are the facts. The investment question is what each share price already assumes about their exposure to rates & central banks, and which evidence in the next filings would prove that assumption wrong.
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Read the full researchSEC filing comparison and disclosure evidence
Start with primary filings because fiscal calendars and accounting presentation can make superficially similar quarters incomparable. Both fiscal years end December 31, so annual reports line up, but check segment definitions before comparing growth or margins.
The current verified House and Senate snapshot contains 5 matched transaction rows for RF and 6 matched transaction rows for USB. These delayed, range-based disclosures can identify a filing to inspect; they do not establish motive, conviction, or a real-time trading signal.
RF primary filings
USB primary filings
What this comparison cannot tell you
This page does not contain licensed live prices, a valuation model, earnings estimates, portfolio constraints, or a forecast of future returns. SEC classifications can be broad, company descriptions can lag strategic change, and the latest annual filing may predate a material acquisition or divestiture. Read subsequent quarterly and current reports before making a decision.
A stronger business is not automatically the better stock. Starting valuation, expectations, capital structure, cyclicality, dilution, and the probability of each thesis determine the investment outcome. Use this comparison to frame the work, then verify the numbers in the linked filings and current company disclosures.
More comparisons involving RF or USB
RF vs USB FAQs
Are RF and USB direct competitors?
Regions Financial and U.S. Bancorp share the SEC industry classification “National Commercial Banks.” That makes the operating comparison relevant, but it does not prove that every product, customer, or revenue stream competes directly.
Which is better, RF or USB?
There is no context-free winner. Compare the operating exposures, filing evidence, valuation, balance sheet, and risks against the specific thesis you are testing. This page deliberately does not turn a static profile into a buy or sell recommendation.
Does this RF vs USB comparison include live prices?
No. Yield Theory does not republish unlicensed real-time market data. The financial figures on this page are the audited annual numbers Regions Financial Corporation and U.S. Bancorp tagged in their SEC XBRL filings. Use a regulated broker or licensed quote provider for current prices and valuation multiples.
Where does the company information come from?
Company classifications, fiscal year-ends, and filing links come from the SEC EDGAR submissions API snapshot refreshed 2026-11-09. Business summaries and research themes are maintained by Yield Theory.
Data snapshot: SEC EDGAR submissions API, refreshed 2026-11-09. Independent educational research; not investment advice.
Which business differences matter to the investment thesis?
RF vs USB compares reported results. The reports below show how we connect operating evidence to an investment thesis, its assumptions, catalysts, and risks. $39/month or $249/year.
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