(RF) Regions Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US7591EP1005

Commercial Loans, Consumer Deposits, Wealth Advisory, Mortgage, Credit Cards

Stock: Regional Banks
Age 35.8y

MCap 25,449m
Avg Vol 13.1M (366M USD)

Beta 1.058
Volatility 28.27%

EPS (Earnings per Share)

EPS CAGR: 10.04%
EPS Trend: 19.3%

Last SUE: 0.67
Qual. Beats: 0

Revenue

Rev. CAGR: 11.54%
Rev. Trend: 84.4%

Last SUE: 3.25
Qual. Beats: 1

Dividends

Dividend Yield	4.30%
Yield on Cost 5y	7.10%
Yield CAGR 5y	12.20%
Payout Consistency	93.3%
Payout Ratio	43.6%

Risk via 5d forecast
Volatility	28.3%
Value at Risk 5%th	41.9%
Relative Tail Risk	-9.84%

Reward TTM
Sharpe Ratio	0.67
Alpha	6.82
CAGR/Max DD	0.33

Character TTM
Hurst Exponent	0.469
Beta	1.058
Beta Downside	1.244

Drawdowns 3y
Max DD	39.61%
Mean DD	13.66%
Median DD	13.37%

Description: RF Regions Financial December 17, 2025

Regions Financial Corporation (NYSE:RF) is a U.S. regional bank headquartered in Birmingham, Alabama, operating three core segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank serves middle-market companies and real-estate developers with commercial loans, equipment leasing, capital-markets underwriting, and advisory services. The Consumer Bank focuses on residential mortgages, home-equity products, credit cards, and related deposits. Wealth Management delivers credit solutions, retirement and trust services, and investment advisory to individuals and institutions.

Key performance indicators from the most recent quarter (Q3 2024) show a net interest margin (NIM) of 3.1%-slightly above the regional-bank average of 2.9%-and loan growth of 5.2% year-over-year, driven largely by commercial real-estate financing. The company’s efficiency ratio stood at 58.7%, indicating modest cost control relative to peers. Credit quality remains tight, with non-performing loans at 0.68% of total loans, well below the industry median of 1.1%.

Macro-level drivers that materially affect RF include the Federal Reserve’s policy stance (higher rates tend to expand NIM but can suppress loan demand), the health of the Sun Belt housing market (a concentration of the consumer loan book), and regional economic trends in the Southeast, where employment growth has averaged 2.3% YoY in 2024, supporting both consumer and commercial credit demand.

Analysts should monitor the trajectory of the bank’s loan-to-deposit ratio (currently 88%) and the pace of commercial-real-estate loan delinquencies, as these metrics are leading indicators of balance-sheet risk in a potentially slowing real-estate cycle.

For a deeper quantitative dive into Regions’ valuation dynamics, consider exploring the company’s profile on ValueRay to see how its risk-adjusted returns compare across the regional-bank sector.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (2.16b TTM) > 0 and > 6% of Revenue (6% = 576.5m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.19pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -961.0% (prev -996.2%; Δ 35.26pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 2.28b > Net Income 2.16b (YES >=105%, WARN >=100%)

Net Debt (-6.02b) to EBITDA (2.81b) ratio: -2.15 <= 3.0 (WARN <= 3.5)

Current Ratio 0.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (880.0m) change vs 12m ago -3.83% (target <= -2.0% for YES)

Gross Margin 74.64% (prev 70.37%; Δ 4.26pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.06% (prev 5.96%; Δ 0.11pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.98 (EBITDA TTM 2.81b / Interest Expense TTM 2.08b) >= 6 (WARN >= 3)

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 (Balance) 10.21b / Total Assets 159.55b

(D) 0.06 = Book Value of Equity 8.68b / Total Liabilities 140.45b

Total Rating: -3.44 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 59.65

1. Piotroski 4.0pt

2. FCF Yield -27.69%

3. FCF Margin 23.44%

4. Debt/Equity 0.26

5. Debt/Ebitda -2.15

6. ROIC - WACC (= -2.74)%

7. RoE 11.45%

8. Rev. Trend 84.40%

9. EPS Trend 19.33%

What is the price of RF shares?

As of January 22, 2026, the stock is trading at USD 28.65 with a total of 18,288,009 shares traded.
Over the past week, the price has changed by -0.75%, over one month by -0.68%, over three months by +16.05% and over the past year by +16.98%.

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.

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	30.3	5.7%
Analysts Target Price	30.3	5.7%
ValueRay Target Price	31	8.2%

RF Fundamental Data Overview January 17, 2026

P/E Trailing = 12.5639
P/E Forward = 10.929
P/S = 3.6643
P/B = 1.3957
P/EG = 1.1755
Revenue TTM = 9.61b USD
EBIT TTM = 2.04b USD
EBITDA TTM = 2.81b USD
Long Term Debt = 4.79b USD (from longTermDebt, two quarters ago)
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 = -8.13b USD (25.45b + Debt 4.88b - CCE 38.47b)
Interest Coverage Ratio = 0.98 (Ebit TTM 2.04b / Interest Expense TTM 2.08b)
EV/FCF = -3.61x (Enterprise Value -8.13b / FCF TTM 2.25b)
FCF Yield = -27.69% (FCF TTM 2.25b / Enterprise Value -8.13b)
FCF Margin = 23.44% (FCF TTM 2.25b / 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 -8.13b / 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 = -2.67 (Net Debt -6.02b / FCF TTM 2.25b)
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 = 8.62% (EBIT 2.04b / Capital Employed (Equity 18.82b + L.T.Debt 4.79b))
RoIC = 6.66% (NOPAT 1.53b / Invested Capital 23.06b)
WACC = 9.40% (E(25.45b)/V(30.33b) * Re(9.76%) + D(4.88b)/V(30.33b) * Rd(9.97%) * (1-Tc(0.25)))
Discount Rate = 9.76% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.78%
[DCF Debug] Terminal Value 72.14% ; FCFF base≈2.36b ; Y1≈2.23b ; Y5≈2.11b
Fair Price DCF = 40.58 (EV 29.56b - Net Debt -6.02b = Equity 35.58b / Shares 876.9m; r=9.40% [WACC]; 5y FCF grow -7.02% → 2.90% )
EPS Correlation: 19.33 | EPS CAGR: 10.04% | SUE: 0.67 | # 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=+0.004 | Revisions Net=+6 | Analysts=15
EPS next Year (2026-12-31): EPS=2.60 | Chg30d=+0.044 | Revisions Net=+8 | Growth EPS=+9.6% | Growth Revenue=+4.4%

Additional Sources for RF Stock

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