(RF) Regions Financial - Ratings and Ratios
Commercial Loans, Consumer Deposits, Credit Cards, Wealth Advisory, Mortgage
RF EPS (Earnings per Share)
RF Revenue
Description: RF Regions Financial
Regions Financial Corporation (NYSE:RF) is a diversified banking holding company organized into three primary segments: Corporate Bank, which delivers commercial- and industrial-loan products, real-estate financing, equipment leasing, and capital-markets services; Consumer Bank, which focuses on residential mortgages, home-equity lines, credit cards and related deposits; and Wealth Management, which provides credit, retirement, trust, investment-management and estate-planning solutions to individuals, institutions and non-profits.
As of the most recent quarter (Q3 2024), RF reported a net interest margin of 3.12%-slightly above the regional-bank median of 2.9%-and loan growth of 5.4% year-over-year, driven largely by a rebound in commercial-real-estate lending. The bank’s return on equity (ROE) stood at 11.8%, consistent with its five-year average, while its efficiency ratio improved to 58.5%, reflecting tighter cost control.
The segment’s performance is closely tied to macro-economic factors: the Federal Reserve’s policy rate influences net interest income; regional housing market strength underpins mortgage and home-equity demand; and the health of the middle-market commercial sector affects loan-loss provisions. A slowdown in commercial-real-estate values or a prolonged high-rate environment could pressure earnings, while continued wage growth in the Southeast could bolster consumer deposits.
For a deeper, data-driven valuation, you may find ValueRay’s analyst toolkit useful.
RF Stock Overview
| Market Cap in USD | 20,835m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1990-03-26 |
RF Stock Ratings
| Growth Rating | 39.0% |
| Fundamental | 63.3% |
| Dividend Rating | 78.3% |
| Return 12m vs S&P 500 | -7.70% |
| Analyst Rating | 3.67 of 5 |
RF Dividends
| Dividend Yield 12m | 4.17% |
| Yield on Cost 5y | 9.00% |
| Annual Growth 5y | 12.13% |
| Payout Consistency | 93.3% |
| Payout Ratio | 47.2% |
RF Growth Ratios
| Growth Correlation 3m | 0% |
| Growth Correlation 12m | 31.4% |
| Growth Correlation 5y | 57.8% |
| CAGR 5y | 9.61% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.24 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.71 |
| Sharpe Ratio 12m | 0.16 |
| Alpha | -11.15 |
| Beta | 1.029 |
| Volatility | 39.46% |
| Current Volume | 52041.6k |
| Average Volume 20d | 23658.3k |
| Stop Loss | 23.6 (-3.1%) |
| Signal | 0.85 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (2.23b TTM) > 0 and > 6% of Revenue (6% = 609.1m TTM) |
| FCFTA 221.7 (>2.0%) and ΔFCFTA 22.2kpp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -919.9% (prev -975.7%; Δ 55.85pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 225.0 (>3.0%) and CFO 2.68b > Net Income 2.23b (YES >=105%, WARN >=100%) |
| Net Debt (-4.22b) to EBITDA (2.92b) ratio: -1.45 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.27 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (905.0m) change vs 12m ago -1.42% (target <= -2.0% for YES) |
| Gross Margin 69.45% (prev 70.37%; Δ -0.92pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 12.90% (prev 5.92%; Δ 6.98pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.29 (EBITDA TTM 2.92b / Interest Expense TTM 2.17b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 63.28
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield -38.69% = -5.0 |
| 3. FCF Margin 26.02% = 6.50 |
| 4. Debt/Equity 0.36 = 2.44 |
| 5. Debt/Ebitda -1.45 = 2.50 |
| 6. ROIC - WACC (= 0.69)% = 0.86 |
| 7. RoE 12.09% = 1.01 |
| 8. Rev. Trend 76.91% = 5.77 |
| 9. EPS Trend -5.88% = -0.29 |
What is the price of RF shares?
Over the past week, the price has changed by -3.18%, over one month by -8.28%, over three months by -5.56% and over the past year by +7.45%.
Is Regions Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RF is around 23.82 USD . This means that RF is currently overvalued and has a potential downside of -2.22%.
Is RF a buy, sell or hold?
- Strong Buy: 7
- Buy: 3
- Hold: 13
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the RF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 29.1 | 19.5% |
| Analysts Target Price | 29.1 | 19.5% |
| ValueRay Target Price | 26.7 | 9.6% |
Last update: 2025-10-18 02:29
RF Fundamental Data Overview
P/E Trailing = 10.9112
P/E Forward = 10.5042
P/S = 3.0591
P/B = 1.3516
P/EG = 2.0202
Beta = 1.029
Revenue TTM = 10.15b USD
EBIT TTM = 2.80b USD
EBITDA TTM = 2.92b USD
Long Term Debt = 5.99b USD (from longTermDebt, last fiscal year)
Short Term Debt = 500.0m USD (from shortTermDebt, last fiscal year)
Debt = 6.49b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -4.22b USD (from netDebt column, last fiscal year)
Enterprise Value = -6.83b USD (20.84b + Debt 6.49b - CCE 34.16b)
Interest Coverage Ratio = 1.29 (Ebit TTM 2.80b / Interest Expense TTM 2.17b)
FCF Yield = -38.69% (FCF TTM 2.64b / Enterprise Value -6.83b)
FCF Margin = 26.02% (FCF TTM 2.64b / Revenue TTM 10.15b)
Net Margin = 21.96% (Net Income TTM 2.23b / Revenue TTM 10.15b)
Gross Margin = 69.45% ((Revenue TTM 10.15b - Cost of Revenue TTM 3.10b) / Revenue TTM)
Gross Margin QoQ = 63.46% (prev 73.21%)
Tobins Q-Ratio = -573.2 (set to none) (Enterprise Value -6.83b / Total Assets 11.9m)
Interest Expense / Debt = 8.36% (Interest Expense 543.0m / Debt 6.49b)
Taxrate = 21.03% (171.0m / 813.0m)
NOPAT = 2.21b (EBIT 2.80b * (1 - 21.03%))
Current Ratio = 0.27 (Total Current Assets 34.73b / Total Current Liabilities 128.10b)
Debt / Equity = 0.36 (Debt 6.49b / totalStockholderEquity, last fiscal year 17.88b)
Debt / EBITDA = -1.45 (Net Debt -4.22b / EBITDA 2.92b)
Debt / FCF = -1.60 (Net Debt -4.22b / FCF TTM 2.64b)
Total Stockholder Equity = 18.44b (last 4 quarters mean from totalStockholderEquity)
RoA = 18.7k% (out of range, set to none)
RoE = 12.09% (Net Income TTM 2.23b / Total Stockholder Equity 18.44b)
RoCE = 11.45% (EBIT 2.80b / Capital Employed (Equity 18.44b + L.T.Debt 5.99b))
RoIC = 9.73% (NOPAT 2.21b / Invested Capital 22.69b)
WACC = 9.05% (E(20.84b)/V(27.33b) * Re(9.81%) + D(6.49b)/V(27.33b) * Rd(8.36%) * (1-Tc(0.21)))
Discount Rate = 9.81% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.41%
[DCF Debug] Terminal Value 71.56% ; FCFE base≈2.40b ; Y1≈2.33b ; Y5≈2.32b
Fair Price DCF = 34.49 (DCF Value 30.77b / Shares Outstanding 892.3m; 5y FCF grow -4.08% → 3.0% )
EPS Correlation: -5.88 | EPS CAGR: 12.19% | SUE: 0.70 | # QB: 0
Revenue Correlation: 76.91 | Revenue CAGR: 17.21% | SUE: 1.73 | # QB: 2
Additional Sources for RF Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle