(RF) Regions Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US7591EP1005
Stock: Banking, Lending, Investments, Deposits, Mortgages
Total Rating 36
Risk 26
Buy Signal -0.47
| Risk 5d forecast | |
|---|---|
| Volatility | 30.0% |
| Relative Tail Risk | -9.48% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.85 |
| Alpha | 8.70 |
| Character TTM | |
|---|---|
| Beta | 1.178 |
| Beta Downside | 1.451 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.35% |
| CAGR/Max DD | 0.47 |
EPS (Earnings per Share)
Revenue
Description: RF Regions Financial March 03, 2026
Regions Financial Corporation (NYSE: RF) is a financial holding company headquartered in Birmingham, Alabama, that delivers banking and wealth management solutions through three primary segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank provides commercial and industrial lending, real estate financing, and capital markets services such as M&A advisory and securities underwriting. The Consumer Bank focuses on retail operations, including residential mortgages, credit cards, and deposit accounts, while the Wealth Management segment offers asset management, estate planning, and trust services.
As a regional bank, the companys business model relies heavily on net interest income generated from the spread between loan yields and deposit costs, balanced by non-interest fee income from its advisory and service lines. Investors can evaluate the companys current valuation and financial health further on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 2.16b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.42 > 1.0 |
| NWC/Revenue: -961.0% < 20% (prev -996.2%; Δ 35.26% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.18b > Net Income 2.16b |
| Net Debt (-6.02b) to EBITDA (2.83b): -2.13 < 3 |
| Current Ratio: 0.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (880.0m) vs 12m ago -3.83% < -2% |
| Gross Margin: 74.64% > 18% (prev 0.70%; Δ 7393 % > 0.5%) |
| Asset Turnover: 6.06% > 50% (prev 5.96%; Δ 0.11% > 0%) |
| Interest Coverage Ratio: 1.32 > 6 (EBITDA TTM 2.83b / Interest Expense TTM 2.08b) |
Altman Z'' -3.41
| A: -0.58 (Total Current Assets 39.55b - Total Current Liabilities 131.88b) / Total Assets 159.55b |
| B: 0.06 (Retained Earnings 10.21b / Total Assets 159.55b) |
| C: 0.02 (EBIT TTM 2.74b / Avg Total Assets 158.43b) |
| D: 0.06 (Book Value of Equity 8.68b / Total Liabilities 140.45b) |
| Altman-Z'' Score: -3.41 = D |
Beneish M -3.10
| DSRI: 0.97 (Receivables 571.0m/572.0m, Revenue 9.61b/9.37b) |
| GMI: 0.94 (GM 74.64% / 70.37%) |
| AQI: 0.97 (AQ_t 0.74 / AQ_t-1 0.77) |
| SGI: 1.03 (Revenue 9.61b / 9.37b) |
| TATA: -0.00 (NI 2.16b - CFO 2.18b) / TA 159.55b) |
| Beneish M-Score: -3.10 (Cap -4..+1) = AA |
What is the price of RF shares?
As of March 07, 2026, the stock is trading at USD 27.04 with a total of 13,955,399 shares traded.
Over the past week, the price has changed by -1.90%, over one month by -11.74%, over three months by +3.64% and over the past year by +28.43%.
Over the past week, the price has changed by -1.90%, over one month by -11.74%, over three months by +3.64% and over the past year by +28.43%.
Is RF a buy, sell or hold?
Regions Financial has received a consensus analysts rating of 3.67.
Therefor, it is recommend to hold RF.
- StrongBuy: 7
- Buy: 3
- Hold: 13
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the RF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 30.9 | 14.4% |
| Analysts Target Price | 30.9 | 14.4% |
RF Fundamental Data Overview March 06, 2026
P/E Trailing = 12.1
P/E Forward = 10.7759
P/S = 3.4585
P/B = 1.3553
P/EG = 1.7106
Revenue TTM = 9.61b USD
EBIT TTM = 2.74b USD
EBITDA TTM = 2.83b USD
Long Term Debt = 4.13b USD (from longTermDebt, last quarter)
Short Term Debt = 750.0m USD (from shortTermDebt, last quarter)
Debt = 4.88b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -6.02b USD (from netDebt column, last quarter)
Enterprise Value = -9.18b USD (24.40b + Debt 4.88b - CCE 38.47b)
Interest Coverage Ratio = 1.32 (Ebit TTM 2.74b / Interest Expense TTM 2.08b)
EV/FCF = -4.27x (Enterprise Value -9.18b / FCF TTM 2.15b)
FCF Yield = -23.41% (FCF TTM 2.15b / Enterprise Value -9.18b)
FCF Margin = 22.37% (FCF TTM 2.15b / Revenue TTM 9.61b)
Net Margin = 22.44% (Net Income TTM 2.16b / Revenue TTM 9.61b)
Gross Margin = 74.64% ((Revenue TTM 9.61b - Cost of Revenue TTM 2.44b) / Revenue TTM)
Gross Margin QoQ = 79.78% (prev 73.77%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -9.18b / Total Assets 159.55b)
Interest Expense / Debt = 9.97% (Interest Expense 487.0m / Debt 4.88b)
Taxrate = 24.58% (174.0m / 708.0m)
NOPAT = 2.07b (EBIT 2.74b * (1 - 24.58%))
Current Ratio = 0.30 (Total Current Assets 39.55b / Total Current Liabilities 131.88b)
Debt / Equity = 0.26 (Debt 4.88b / totalStockholderEquity, last quarter 19.04b)
Debt / EBITDA = -2.13 (Net Debt -6.02b / EBITDA 2.83b)
Debt / FCF = -2.80 (Net Debt -6.02b / FCF TTM 2.15b)
Total Stockholder Equity = 18.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.36% (Net Income 2.16b / Total Assets 159.55b)
RoE = 11.45% (Net Income TTM 2.16b / Total Stockholder Equity 18.82b)
RoCE = 11.95% (EBIT 2.74b / Capital Employed (Equity 18.82b + L.T.Debt 4.13b))
RoIC = 9.02% (NOPAT 2.07b / Invested Capital 22.93b)
WACC = 9.80% (E(24.40b)/V(29.29b) * Re(10.26%) + D(4.88b)/V(29.29b) * Rd(9.97%) * (1-Tc(0.25)))
Discount Rate = 10.26% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.78%
[DCF] Terminal Value 70.88% ; FCFF base≈1.87b ; Y1≈1.78b ; Y5≈1.71b
[DCF] Fair Price = 33.07 (EV 22.54b - Net Debt -6.02b = Equity 28.56b / Shares 863.5m; r=9.80% [WACC]; 5y FCF grow -6.23% → 2.90% )
EPS Correlation: -2.52 | EPS CAGR: 0.96% | SUE: -1.85 | # QB: 0
Revenue Correlation: 84.40 | Revenue CAGR: 11.54% | SUE: 3.25 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.64 | Chg7d=+0.001 | Chg30d=-0.001 | Revisions Net=+2 | Analysts=14
EPS current Year (2026-12-31): EPS=2.60 | Chg7d=+0.004 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+11.8% | Growth Revenue=+4.5%
EPS next Year (2027-12-31): EPS=2.85 | Chg7d=+0.010 | Chg30d=+0.005 | Revisions Net=+4 | Growth EPS=+9.7% | Growth Revenue=+3.9%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.0% (Discount Rate 10.3% - Earnings Yield 8.3%)
[Growth] Growth Spread = +0.5% (Analyst 2.5% - Implied 2.0%)
P/E Forward = 10.7759
P/S = 3.4585
P/B = 1.3553
P/EG = 1.7106
Revenue TTM = 9.61b USD
EBIT TTM = 2.74b USD
EBITDA TTM = 2.83b USD
Long Term Debt = 4.13b USD (from longTermDebt, last quarter)
Short Term Debt = 750.0m USD (from shortTermDebt, last quarter)
Debt = 4.88b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -6.02b USD (from netDebt column, last quarter)
Enterprise Value = -9.18b USD (24.40b + Debt 4.88b - CCE 38.47b)
Interest Coverage Ratio = 1.32 (Ebit TTM 2.74b / Interest Expense TTM 2.08b)
EV/FCF = -4.27x (Enterprise Value -9.18b / FCF TTM 2.15b)
FCF Yield = -23.41% (FCF TTM 2.15b / Enterprise Value -9.18b)
FCF Margin = 22.37% (FCF TTM 2.15b / Revenue TTM 9.61b)
Net Margin = 22.44% (Net Income TTM 2.16b / Revenue TTM 9.61b)
Gross Margin = 74.64% ((Revenue TTM 9.61b - Cost of Revenue TTM 2.44b) / Revenue TTM)
Gross Margin QoQ = 79.78% (prev 73.77%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -9.18b / Total Assets 159.55b)
Interest Expense / Debt = 9.97% (Interest Expense 487.0m / Debt 4.88b)
Taxrate = 24.58% (174.0m / 708.0m)
NOPAT = 2.07b (EBIT 2.74b * (1 - 24.58%))
Current Ratio = 0.30 (Total Current Assets 39.55b / Total Current Liabilities 131.88b)
Debt / Equity = 0.26 (Debt 4.88b / totalStockholderEquity, last quarter 19.04b)
Debt / EBITDA = -2.13 (Net Debt -6.02b / EBITDA 2.83b)
Debt / FCF = -2.80 (Net Debt -6.02b / FCF TTM 2.15b)
Total Stockholder Equity = 18.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.36% (Net Income 2.16b / Total Assets 159.55b)
RoE = 11.45% (Net Income TTM 2.16b / Total Stockholder Equity 18.82b)
RoCE = 11.95% (EBIT 2.74b / Capital Employed (Equity 18.82b + L.T.Debt 4.13b))
RoIC = 9.02% (NOPAT 2.07b / Invested Capital 22.93b)
WACC = 9.80% (E(24.40b)/V(29.29b) * Re(10.26%) + D(4.88b)/V(29.29b) * Rd(9.97%) * (1-Tc(0.25)))
Discount Rate = 10.26% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.78%
[DCF] Terminal Value 70.88% ; FCFF base≈1.87b ; Y1≈1.78b ; Y5≈1.71b
[DCF] Fair Price = 33.07 (EV 22.54b - Net Debt -6.02b = Equity 28.56b / Shares 863.5m; r=9.80% [WACC]; 5y FCF grow -6.23% → 2.90% )
EPS Correlation: -2.52 | EPS CAGR: 0.96% | SUE: -1.85 | # QB: 0
Revenue Correlation: 84.40 | Revenue CAGR: 11.54% | SUE: 3.25 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.64 | Chg7d=+0.001 | Chg30d=-0.001 | Revisions Net=+2 | Analysts=14
EPS current Year (2026-12-31): EPS=2.60 | Chg7d=+0.004 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+11.8% | Growth Revenue=+4.5%
EPS next Year (2027-12-31): EPS=2.85 | Chg7d=+0.010 | Chg30d=+0.005 | Revisions Net=+4 | Growth EPS=+9.7% | Growth Revenue=+3.9%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.0% (Discount Rate 10.3% - Earnings Yield 8.3%)
[Growth] Growth Spread = +0.5% (Analyst 2.5% - Implied 2.0%)