RF Stock Analysis: Regions Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 24.604m USD | 12M Return: 22.8% | US7591EP1005 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 306M
EPS Trend: 88.0%
Qual. Beats: 3
Rev. Trend: 93.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Regions Financial Corporation (NYSE: RF) is a U.S.-based financial holding company headquartered in Birmingham, Alabama, offering banking and related financial services to both individual and corporate customers. Founded in 1971 and publicly traded since 1990, the company operates through three main segments: Corporate Bank, Consumer Bank, and Wealth Management, providing a diversified mix of lending, deposit, capital markets, and advisory services.
The Corporate Bank segment serves corporate, middle-market, and commercial real estate clients with commercial lending, equipment lease financing, capital markets activities, and advisory services such as mergers and acquisitions. The Consumer Bank segment focuses on residential mortgages, home equity products, consumer credit cards, and consumer deposits. The Wealth Management segment delivers credit, retirement, trust, investment management, asset management, and estate planning services to individuals, businesses, and institutions, along with investment, insurance, and specialty financing offerings.
As a regional bank within the Financials sector, Regions Financial operates under a diversified holding company structure that combines traditional commercial and consumer banking with fee-generating wealth and capital markets businesses. Its large-cap status reflects its scale as one of the larger U.S. regional banking franchises, with operations spanning retail, commercial, and institutional client segments.
- Net interest margin expands on deposit repricing and Fed rate path
- Commercial real estate loan losses pressure credit costs amid office sector stress
- Wealth Management fees grow with rising AUM and market levels
| Net Income: 2.29b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.09 > 1.0 |
| NWC/Revenue: -953.1% < 20% (prev 118.6%; Δ -1.07k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.18b > Net Income 2.29b |
| Net Debt (-31.3b) to EBITDA (3.01b): -10.39 < 3 |
| Current Ratio: 0.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (856.0m) vs 12m ago -4.25% < -2% |
| Gross Margin: 77.80% > 18% (prev 72.44%; Δ 5.36% > 0.5%) |
| Asset Turnover: 5.92% > 50% (prev 5.99%; Δ -0.07% > 0%) |
| Interest Coverage Ratio: 1.54 > 6 (EBIT TTM 2.93b / Interest Expense TTM 1.90b) |
| A: -0.56 (Total Current Assets 42.8b - Total Current Liabilities 134b) / Total Assets 163b |
| B: 0.07 (Retained Earnings 11.2b / Total Assets 163b) |
| C: 0.02 (EBIT TTM 2.93b / Avg Total Assets 162b) |
| D: 0.12 (Book Value of Equity 17.8b / Total Liabilities 145b) |
| Altman-Z'' = -3.19 = D |
| DSRI: 0.88 (Receivables 506.0m/574.0m, Revenue 9.57b/9.59b) |
| GMI: 0.93 (GM 72.44% / 77.80%) |
| AQI: 0.80 (AQ_t 0.73 / AQ_t-1 0.91) |
| SGI: 1.00 (Revenue 9.57b / 9.59b) |
| TATA: 0.00 (NI 2.29b - CFO 2.18b) / TA 163b) |
| Beneish M = -3.30 (Cap -4..+1) = AA |
As of November 02, 2026, the stock is trading at USD 28.57 with a total of 11,676,310 shares traded. Over the past week, the price has changed by +0.35%, over one month by +6.25%, over three months by -6.45% and over the past year by +22.83%.
Current recommended Stop Loss: 27.80 (which is 2.7% or 1.4 ATR below the current price).
Regions Financial has received a consensus analysts rating of 3.30. Therefore, it is recommended to hold RF.
- StrongBuy: 5
- Buy: 2
- Hold: 13
- Sell: 1
- StrongSell: 2
| Analysts Target Price | 31.2 | 9.2% |
P/E Trailing = 11.3255
P/E Forward = 9.9602
P/S = 3.3557
P/B = 1.4678
P/EG = 1.5093
Revenue TTM = 9.57b USD
EBIT TTM = 2.93b USD
EBITDA TTM = 3.01b USD
Long Term Debt = 4.13b USD (from longTermDebt, last fiscal year)
Short Term Debt = 4.50b USD (from shortTermDebt, last quarter)
Debt = 10.5b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -31.3b USD (calculated: Debt 10.5b - CCE 41.8b)
Enterprise Value = 24.6b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.54 (Ebit TTM 2.93b / Interest Expense TTM 1.90b)
EV/FCF = 11.44x (Enterprise Value 24.6b / FCF TTM 2.15b)
FCF Yield = 8.74% (FCF TTM 2.15b / Enterprise Value 24.6b)
FCF Margin = 22.47% (FCF TTM 2.15b / Revenue TTM 9.57b)
Net Margin = 23.97% (Net Income TTM 2.29b / Revenue TTM 9.57b)
Gross Margin = 77.80% ((Revenue TTM 9.57b - Cost of Revenue TTM 2.12b) / Revenue TTM)
Gross Margin QoQ = 77.47% (prev 77.33%)
Tobins Q-Ratio = 0.15 (Enterprise Value 24.6b / Total Assets 163b)
Interest Expense / Debt = 18.11% (Interest Expense 1.90b / Debt 10.5b)
Taxrate = 21.63% (633.0m / 2.93b)
NOPAT = 2.29b (EBIT 2.93b * (1 - 21.63%))
Current Ratio = 0.32 (Total Current Assets 42.8b / Total Current Liabilities 134b)
Debt / Equity = 0.59 (Debt 10.5b / totalStockholderEquity, last quarter 17.8b)
Debt / EBITDA = -10.39 (Net Debt -31.3b / EBITDA 3.01b)
Debt / FCF = -14.55 (Net Debt -31.3b / FCF TTM 2.15b)
Total Stockholder Equity = 18.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.42% (Net Income 2.29b / Total Assets 163b)
RoE = 12.32% (Net Income TTM 2.29b / Total Stockholder Equity 18.6b)
RoCE = 12.86% (EBIT 2.93b / Capital Employed (Equity 18.6b + L.T.Debt 4.13b))
RoIC = 6.90% (NOPAT 2.29b / Invested Capital 33.2b)
WACC = 10.43% (E(24.6b)/V(35.1b) * Re(8.83%) + D(10.5b)/V(35.1b) * Rd(18.11%) * (1-Tc(0.22)))
Discount Rate = 8.83% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.57 | Cagr: -3.06%
[DCF] Terminal Value 67.81% ; FCFF base≈2.19b ; Y1≈2.12b ; Y5≈2.09b
[DCF] Fair Price = 65.26 (EV 24.3b - Net Debt -31.3b = Equity 55.6b / Shares 851.9m; r=10.43% [WACC]; 5y FCF grow -4.14% → 2.50% )
EPS Correlation: 88.01 | EPS CAGR: 8.29% | SUE: 2.20 | # QB: 3
Revenue Correlation: 93.82 | Revenue CAGR: 1.82% | SUE: 0.63 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.67 | Chg30d=+0.09% | Revisions=+40% | Analysts=11
EPS current Year (2026-12-31): EPS=2.71 | Chg30d=+2.47% | Revisions=+55% | GrowthEPS=+16.4% | GrowthRev=+3.4%
EPS next Year (2027-12-31): EPS=2.85 | Chg30d=+0.03% | Revisions=+22% | GrowthEPS=+5.0% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +53% (up=13, down=3)