Regions Financial Corporation (RF)

NYSE: RF · USD

$28.4

-0.09 (-0.3%)· Recorded snapshot

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StockMarketAgent Research · Analyzed 2026-10-07

Our latest published analysis: RF rated Hold

Regions Financial Corporation's published Hold conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$26.4 / share

Potential value

$35.7 / share

Upside to FV

-1.3%

from $28.4

Moat

6.5/10

Narrow

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$22.8B
Revenue (ttm)	7.3B
Net income (ttm)	2.2B
EPS (ttm)	$2.55
Shares out	850M
P/E (trailing)	11.1x
P/E (forward)	9.4x
Dividend	$1.20 (4.23%)
Volume	8,822,819
Beta	1.06

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 7.3B
Net income (ttm): 2.2B
EPS (ttm): $2.55
P/E (trailing): 11.1x
P/E (forward): 9.4x
Market cap: $22.8B

Item	P1	P2	P3	P4	P5	Trend
Period	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$6.60B	$7.48B	$9.15B	$9.37B	$9.61B	+9.8%
Gross profit	$6.96B	$6.89B	$7.02B	$6.60B	$7.17B	+0.7%
Operating income	$46.0M	$56.0M	$212.0M	$95.0M	$53.0M	+3.6%
Net income	$2.52B	$2.25B	$2.07B	$1.89B	$2.16B	-3.8%
EPS (diluted)	$2.49	$2.28	$2.11	$1.93	$2.30	-2.0%
EBITDA	$3.59B	$3.23B	$2.84B	$2.50B	$2.81B	-6.0%
R&D	—	—	—	—	—	—
SG&A	$2.24B	$2.32B	$2.42B	$2.53B	$2.83B	+6.0%

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Mua mạnh
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Mua mạnh
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Giữ
AJG	Arthur J. Gallagher & Co.	66.7B	43.2x	4.4x	6.6%	+15.3%	-5.7%	Mua
ALL	The Allstate Corporation	63.2B	5.0x	0.9x	32.6%	+8.5%	+31.8%	Mua mạnh
AMP	Ameriprise Financial, Inc.	43.1B	11.8x	2.2x	43.0%	+8.9%	+1.1%	Mua

Base and Bull scenarios

Base55%

Price target

$26.38

-1.3% from spot

The Base scenario, carrying 55.0% probability, models intrinsic value converging to Fair value at $26.38, representing an implied return of -1.3% against the share price of $26.72 as of $26.72 (as of 2026-10-07). In this path, net interest income expands within management guided expectations as maturing fixed-rate assets reprice into higher prevailing yields, while interest-bearing deposit costs remain disciplined. Unconstrained processing capacity from the modernized cloud platform constrains non-interest expense growth, securing positive operating leverage and supporting consensus earnings targets across FY2026 and FY2027. Disconfirmation would occur if cumulative deposit beta escalates toward the danger threshold or if commercial loan spreads compress under aggressive peer expansion, which would become visible within upcoming quarterly filings.

Net interest income expands within guided ranges driven by fixed-rate asset repricing yield pickup
Adjusted non-interest expense growth remains disciplined, delivering positive operating leverage
Cumulative deposit beta holds near guided mid-thirties expectations without destructive promotional bidding
Common Equity Tier 1 ratio enables continued dividend payouts and steady share repurchases

Bull20%

Price target

$35.70

+33.6% from spot

The Bull scenario, carrying 20.0% probability, projects intrinsic value reaching Potential value at $35.70 with a projected target of $35.70 and an implied return of 33.6% relative to $26.72. In this scenario, fixed-rate asset repricing delivers yield gains well in excess of baseline expectations, while deposit costs remain firmly anchored through targeted relationship retention. Scalability across the cloud core suppresses operational overhead growth toward the low end of guidance, driving operating margins toward terminal targets ahead of schedule. Accelerated capital accumulation supports expanded share repurchases that drive diluted earnings per share toward the upper boundary of consensus estimates. Disconfirmation would occur if promotional deposit competition broadens across primary regional markets or if capital markets fee income weakens, verifiable by the end of the fiscal year.

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($26.38). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	2.0%	2.3%	2.5%	2.8%	3.0%
7.8%	$27.9	$28.3	$28.7	$29.1	$29.7
8.3%	$26.8	$27.1	$27.5	$27.8	$28.3
8.8%	$25.8	$26.1	$26.4	$26.7	$27.0
9.3%	$25.0	$25.2	$25.5	$25.7	$26.0
9.8%	$24.2	$24.4	$24.6	$24.8	$25.1

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.4

P25 n/aP50 n/aP75 n/a

Trailing P/E11

P25 n/aP50 n/aP75 n/a

ROE12.4

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All RF indicators

Market & fundamental data

Available fields

233

Groups with data

Currency

USD

Showing 233 of 233 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001281761
Company name	Regions Financial Corporation
Country	United States
Country code	US
CUSIP number	7591EP100
Earnings date	2026-10-16
Earnings time	bmo
Employees	19,968
Employees change	293
Employees growth	1.49%
Enterprise value	$24.3B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1970
In index	SP500
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US7591EP1005
Last 10-K release date	2026-02-24
Last earnings date	2026-10-16
Last refreshed	2026-10-28
Last stock split date	2004-07-01
Last stock split type	Forward
Market cap	$24.1B
Market cap category	Large-Cap
Next earnings date	2027-01-15
Options	Yes
Price	$28.41
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	RF
U.S. state	Alabama
Website	https://www.regions.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	10.93x
Average P/E ratio (10Y)	11.31x
Average P/E ratio (3Y)	11.12x
Average P/E ratio (5Y)	10.06x
Earnings yield	8.97%
EV/Earnings	10.94x
EV/Sales	3.3x
Forward EV/Sales	2.98x
Forward P/E	10.19x
Forward P/S	2.96x
Graham number	33.34371
Graham upside	17.82%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$12.74
Lynch upside	-54.97%
P/B ratio	1.47x
P/E ratio	11.15x
P/OCF ratio	13.53x
P/S ratio	3.28x
PEG ratio	1.05x
Price / tangible book value	2.27x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	21.63%
Operating margin	39.96%
Pretax margin	39.92%
Profit margin	31.29%
Profit per employee	$110,827
Profitable quarters	24
Profitable years	14
Revenue per employee	$367,188
ROA	1.42%
ROA (5Y)	1.39%
ROE	12.38%
ROE (5Y)	12.34%
Tax / revenue	8.63%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	12.29%
EPS growth (Q)	16.39%
EPS growth (QoQ)	10.94%
EPS growth 10Y	11.59%
EPS growth 3Y	1.88%
EPS growth 5Y	-0.91%
EPS growth quarters	7
EPS growth years	1
Net income growth	6.4%
Net income growth (Q)	10.9%
Net income growth (QoQ)	11.29%
Net income growth 3Y	-0.83%
Net income growth 5Y	-2.98%
Net income growth quarters	7
Net income growth years	1
OCF growth	-33.66%
OCF growth 10Y	-1.41%
OCF growth 3Y	-6.71%
OCF growth 5Y	-3.35%
Revenue growth	5.57%
Revenue growth (Q)	5.19%
Revenue growth (QoQ)	3.59%
Revenue growth 10Y	3.3%
Revenue growth 3Y	0.58%
Revenue growth 5Y	0.48%
Revenue growth quarters	7
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
EPS	$2.55
Financing cash flow	$-31M
Gross profit	$7.3B
Income taxes	$633M
Investing cash flow	$-3B
Net borrowing	$2.3B
Net cash flow	$-1.2B
Net income	$2.2B
Operating income	$2.9B
Revenue	$7.3B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$19.39
Debt / equity	0.58
Goodwill	$5.7B
Net cash (debt)	$-153M
Net cash / market cap	-0.64%
Net debt / equity	0.01
Piotroski F-Score	3
Property, plant and equipment	$1.7B
Shareholders' equity	$18B
Tangible book value	$10.6B
Tangible book value per share	$12.48
Total assets	$163.2B
Total cash	$10.3B
Total debt	$10.5B
Total liabilities	$145.2B
WACC	7.02%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-122.7B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	4.5%
Dividend growth	9.71%
Dividend growth (10Y)	16.05%
Dividend growth (3Y)	8.69%
Dividend growth (5Y)	11.69%
Dividend growth years	13
Dividend payment date	2027-01-04
Dividend payment years	56
Dividend payout frequency	Quarterly
Dividend per share	$1.20
Dividend yield	4.23%
Ex-dividend date	2026-12-01
Last dividend	$0.30
Payout ratio	47.08%
Shareholder yield	8.74%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	161.72%
10Y return CAGR	14.21%
10Y total return	277.41%
150-day SMA	$28.88
15Y price change	569.1%
15Y return CAGR	16.94%
15Y total return	946.14%
1D price change	-0.32%
1M price change	2.72%
1M total return	2.72%
1W price change	1.87%
1W total return	1.87%
1Y price change	17.04%
1Y return CAGR	21.79%
1Y total return	21.77%
20-day SMA	$27.52
200-day SMA	$28.67
20Y price change	-25.22%
20Y return CAGR	1.68%
20Y total return	39.57%
3M price change	-7.71%
3M total return	-6.77%
3Y price change	102.5%
3Y return CAGR	32.16%
3Y total return	130.9%
50-day SMA	$28.59
50-day SMA vs 200-day SMA	50under200
52-week high	$32.47
52-week high date	2026-07-17
52-week low	$23.59
52-week low date	2025-11-18
5Y price change	21.4%
5Y return CAGR	8.35%
5Y total return	49.3%
6M price change	0.39%
6M total return	2.38%
All-time high	$39.15
All-time high date	2006-10-13
All-time low	$0.91
All-time low date	1974-12-23
Average true range (ATR)	$0.54
Average volume	11.4M
Beta (1Y)	0.54
Beta (2Y)	1.04
Beta (5Y)	1.06
Change from 52-week high	-12.5%
Change from 52-week low	20.43%
Change from all-time high	-27.54%
Change from all-time low	3,014.84%
Change from open	-0.53%
Day's gap	0.21%
Dollar volume	$250.7M
High price	$28.59
Low price	$28.21
Monthly RSI	55.79
Open price	$28.56
Position in 52-week range	52.63%
Premarket change	0%
Premarket close	$28.50
Premarket price	$28.50
Previous close	$28.50
Price vs 150-day SMA	-1.76%
Price vs 20-day SMA	3.08%
Price vs 200-day SMA	-1.05%
Price vs 50-day SMA	-0.76%
Relative volume	0.78
RSI	55.97
Sharpe ratio	0.8
Sharpe ratio (3Y)	0.99
Sharpe ratio (5Y)	0.28
Sortino ratio	1.4
Sortino ratio (3Y)	1.73
Sortino ratio (5Y)	0.58
Volume	8.8M
Weekly RSI	48.07
YTD price change	4.69%
YTD total return	7.79%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	846M
Float percentage	99.53%
Shares change (QoQ)	-0.12%
Shares change (YoY)	-4.5%
Shares held by insiders	0.35%
Shares held by institutions	86.84%
Shares outstanding	850M
Short % of float	7.5%
Short % of shares	7.46%
Short ratio	7.2 days

Deeper analysis on RF

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this RF report

What is the latest published RF stock rating?

Regions Financial Corporation is shown with Hold in the latest published report, analyzed 2026-10-07. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full RF analysis?

The full latest published report, analyzed 2026-10-07, lives at /stocks/RF/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for RF?

The latest published report analyzed 2026-10-07 gives RF a fair value of USD 26 and a potential value of USD 36. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the RF page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-10-07). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

HoldRF · Fair value $26.4-1.3%

Read full analysis →

Regions Financial Corporation (RF)

Our latest published analysis: RF rated Hold

Price

Financial snapshot

Fair-value bridge

Latest news · RF

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All RF indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on RF

Frequently asked questions

Lịch sử xếp hạng

Category	Score	Reading
Valuation	4.5
Management	6.5
Balance Sheet	5.0
Profitability	6.5
Revenue Growth	4.5
Risk Assessment	6.0
Competitive Moat	6.5
Earnings Quality	6.5
Capital Efficiency	4.0