(RF) Regions Financial - Overview
Stock: Commercial Lending, Consumer Deposits, Wealth Management
| Risk 5d forecast | |
|---|---|
| Volatility | 27.6% |
| Relative Tail Risk | -9.94% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.92 |
| Alpha | 13.54 |
| Character TTM | |
|---|---|
| Beta | 1.061 |
| Beta Downside | 1.282 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.96% |
| CAGR/Max DD | 0.38 |
EPS (Earnings per Share)
Revenue
Description: RF Regions Financial February 11, 2026
Regions Financial Corp. (NYSE:RF) is a diversified banking holding company organized into three operating segments: Corporate Bank, which delivers commercial lending, equipment financing, capital-markets and advisory services to middle-market firms and real-estate developers; Consumer Bank, which provides residential mortgages, home-equity products, credit cards and related deposit accounts to households; and Wealth Management, which offers credit, retirement, trust, investment-management and insurance solutions to individuals, institutions and non-profits.
As of the most recent Q3 2024 earnings release, RF reported a net interest margin of 3.42% (up 5 bps YoY), loan growth of 2.8% quarter-over-quarter driven primarily by commercial real-estate and consumer mortgage originations, and deposit balances expanding 3.1% YoY to $96 billion. Return on equity stood at 11.6%, marginally above the regional-bank median of 10.9%.
Key drivers for the regional-bank sector remain the Federal Reserve’s policy stance and regional housing market dynamics. The Fed’s policy rate, held at 5.25%-5.50%, sustains a relatively high net interest income environment but also pressures loan-demand elasticity; meanwhile, the Southeast U.S. housing market-RF’s core geography-has shown a 1.7% YoY price appreciation, supporting mortgage volumes but exposing the bank to potential credit-quality headwinds if rates stay elevated.
For a deeper, data-rich view of RF’s valuation metrics, you might explore the ValueRay analytics platform.
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 -0.19 > 1.0 |
| NWC/Revenue: -961.0% < 20% (prev -996.2%; Δ 35.26% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.28b > Net Income 2.16b |
| Net Debt (-6.02b) to EBITDA (2.81b): -2.15 < 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: 0.98 > 6 (EBITDA TTM 2.81b / Interest Expense TTM 2.08b) |
Altman Z'' -3.44
| 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: 0.01 (EBIT TTM 2.04b / Avg Total Assets 158.43b) |
| D: 0.06 (Book Value of Equity 8.68b / Total Liabilities 140.45b) |
| Altman-Z'' Score: -3.44 = 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 2.28b) / TA 159.55b) |
| Beneish M-Score: -3.10 (Cap -4..+1) = AA |
What is the price of RF shares?
Over the past week, the price has changed by +1.08%, over one month by +8.79%, over three months by +26.04% and over the past year by +30.39%.
Is RF a buy, sell or hold?
- 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 | 2.9% |
| Analysts Target Price | 30.9 | 2.9% |
RF Fundamental Data Overview February 21, 2026
P/E Forward = 11.5473
P/S = 3.6934
P/B = 1.4606
P/EG = 1.834
Revenue TTM = 9.61b USD
EBIT TTM = 2.04b USD
EBITDA TTM = 2.81b 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 = -7.52b USD (26.06b + Debt 4.88b - CCE 38.47b)
Interest Coverage Ratio = 0.98 (Ebit TTM 2.04b / Interest Expense TTM 2.08b)
EV/FCF = -3.35x (Enterprise Value -7.52b / FCF TTM 2.24b)
FCF Yield = -29.83% (FCF TTM 2.24b / Enterprise Value -7.52b)
FCF Margin = 23.36% (FCF TTM 2.24b / 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 = -0.05 (set to none) (Enterprise Value -7.52b / Total Assets 159.55b)
Interest Expense / Debt = 9.97% (Interest Expense 487.0m / Debt 4.88b)
Taxrate = 24.58% (174.0m / 708.0m)
NOPAT = 1.53b (EBIT 2.04b * (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 = -2.15 (Net Debt -6.02b / EBITDA 2.81b)
Debt / FCF = -2.68 (Net Debt -6.02b / FCF TTM 2.24b)
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 = 8.86% (EBIT 2.04b / Capital Employed (Equity 18.82b + L.T.Debt 4.13b))
RoIC = 6.66% (NOPAT 1.53b / Invested Capital 23.06b)
WACC = 9.47% (E(26.06b)/V(30.94b) * Re(9.83%) + D(4.88b)/V(30.94b) * Rd(9.97%) * (1-Tc(0.25)))
Discount Rate = 9.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.78%
[DCF Debug] Terminal Value 71.91% ; FCFF base≈2.35b ; Y1≈2.22b ; Y5≈2.11b
Fair Price DCF = 40.59 (EV 29.21b - Net Debt -6.02b = Equity 35.23b / Shares 868.0m; r=9.47% [WACC]; 5y FCF grow -7.02% → 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 (2026-03-31): EPS=0.60 | Chg30d=+0.008 | Revisions Net=-6 | Analysts=15
EPS current Year (2026-12-31): EPS=2.60 | Chg30d=-0.004 | Revisions Net=-3 | Growth EPS=+11.8% | Growth Revenue=+4.5%
EPS next Year (2027-12-31): EPS=2.85 | Chg30d=+0.008 | Revisions Net=+6 | Growth EPS=+9.7% | Growth Revenue=+3.9%