(RF) Regions Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 23.895m USD | Total Return: 32.4% in 12m
Avg Turnover: 306M
EPS Trend: 18.0%
Qual. Beats: 1
Rev. Trend: 87.1%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Regions Financial Corporation (NYSE: RF) is a Birmingham-based financial holding company operating primarily in the Southeastern United States. The firm manages three main business segments: Corporate Bank, Consumer Bank, and Wealth Management. Its service portfolio includes commercial and real estate lending, residential mortgages, asset management, and capital markets advisory.
As a regional bank, the company’s business model relies heavily on the net interest margin, which is the spread between interest earned on loans and interest paid on deposits. Unlike global money center banks, regional institutions often maintain a higher concentration of commercial real estate and small business loans within their specific geographic footprint.
Investors can further evaluate these credit trends and margin stability by exploring the data on ValueRay.
- Net interest margin sensitivity to Federal Reserve benchmark interest rate fluctuations
- Asset quality performance within the commercial and industrial loan portfolio
- Non-interest income growth from mortgage banking and wealth management fees
- Deposit beta management and stability of low-cost core funding sources
- Regulatory capital requirements and their impact on share repurchase capacity
| Net Income: 2.23b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.11 > 1.0 |
| NWC/Revenue: -1.33k% < 20% (prev -988.6%; Δ -340.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.98b > Net Income 2.23b |
| Net Debt (2.89b) to EBITDA (2.92b): 0.99 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (868.0m) vs 12m ago -4.62% < -2% |
| Gross Margin: 75.81% > 18% (prev 70.85%; Δ 4.96% > 0.5%) |
| Asset Turnover: 6.00% > 50% (prev 5.88%; Δ 0.12% > 0%) |
| Interest Coverage Ratio: 1.41 > 6 (EBIT TTM 2.84b / Interest Expense TTM 2.00b) |
| A: -0.80 (Total Current Assets 4.01b - Total Current Liabilities 132b) / Total Assets 161b |
| B: 0.07 (Retained Earnings 10.5b / Total Assets 161b) |
| C: 0.02 (EBIT TTM 2.84b / Avg Total Assets 160b) |
| D: 0.13 (Book Value of Equity 18.8b / Total Liabilities 142b) |
| Altman-Z'' = -4.75 = D |
| DSRI: 0.95 (Receivables 569.0m/583.0m, Revenue 9.62b/9.40b) |
| GMI: 0.93 (GM 70.85% / 75.81%) |
| AQI: 1.28 (AQ_t 0.96 / AQ_t-1 0.75) |
| SGI: 1.02 (Revenue 9.62b / 9.40b) |
| TATA: 0.00 (NI 2.23b - CFO 1.98b) / TA 161b) |
| Beneish M = -2.94 (Cap -4..+1) = A |
As of June 04, 2026, the stock is trading at USD 27.40 with a total of 10,920,532 shares traded.
Over the past week, the price has changed by -1.52%,
over one month by +0.01%,
over three months by -0.28% and
over the past year by +32.39%.
Regions Financial has received a consensus analysts rating of 3.41. Therefore, it is recommended to hold RF.
- StrongBuy: 6
- Buy: 2
- Hold: 11
- Sell: 1
- StrongSell: 2
| Analysts Target Price | 30.7 | 12.2% |
P/E Trailing = 11.6183
P/E Forward = 10.7066
P/S = 3.3289
P/B = 1.3641
P/EG = 1.6218
Revenue TTM = 9.62b USD
EBIT TTM = 2.84b USD
EBITDA TTM = 2.92b USD
Long Term Debt = 3.14b USD (from longTermDebt, last quarter)
Short Term Debt = 3.20b USD (from shortTermDebt, last quarter)
Debt = 6.34b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.89b USD (calculated: Debt 6.34b - CCE 3.44b)
Enterprise Value = 26.8b USD (23.9b + Debt 6.34b - CCE 3.44b)
Interest Coverage Ratio = 1.41 (Ebit TTM 2.84b / Interest Expense TTM 2.00b)
EV/FCF = 11.75x (Enterprise Value 26.8b / FCF TTM 2.28b)
FCF Yield = 8.51% (FCF TTM 2.28b / Enterprise Value 26.8b)
FCF Margin = 23.69% (FCF TTM 2.28b / Revenue TTM 9.62b)
Net Margin = 23.13% (Net Income TTM 2.23b / Revenue TTM 9.62b)
Gross Margin = 75.81% ((Revenue TTM 9.62b - Cost of Revenue TTM 2.33b) / Revenue TTM)
Gross Margin QoQ = 76.58% (prev 79.78%)
Tobins Q-Ratio = 0.17 (Enterprise Value 26.8b / Total Assets 161b)
Interest Expense / Debt = 31.64% (Interest Expense 2.00b / Debt 6.34b)
Taxrate = 21.54% (611.0m / 2.84b)
NOPAT = 2.23b (EBIT 2.84b * (1 - 21.54%))
Current Ratio = 0.02 (Total Current Assets 4.01b / Total Current Liabilities 258b)
Debt / Equity = 0.34 (Debt 6.34b / totalStockholderEquity, last quarter 18.8b)
Debt / EBITDA = 0.99 (Net Debt 2.89b / EBITDA 2.92b)
Debt / FCF = 1.27 (Net Debt 2.89b / FCF TTM 2.28b)
Total Stockholder Equity = 18.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.39% (Net Income 2.23b / Total Assets 161b)
RoE = 11.78% (Net Income TTM 2.23b / Total Stockholder Equity 18.9b)
RoCE = 12.88% (EBIT 2.84b / Capital Employed (Equity 18.9b + L.T.Debt 3.14b))
RoIC = 1.39% (NOPAT 2.23b / Invested Capital 160b)
WACC = 13.02% (E(23.9b)/V(30.2b) * Re(9.89%) + D(6.34b)/V(30.2b) * Rd(31.64%) * (1-Tc(0.22)))
Discount Rate = 9.89% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.88 | Cagr: -3.07%
[DCF] Terminal Value 62.37% ; FCFF base≈2.21b ; Y1≈2.37b ; Y5≈2.89b
[DCF] Fair Price = 25.29 (EV 24.5b - Net Debt 2.89b = Equity 21.6b / Shares 853.4m; r=13.02% [WACC]; 5y FCF grow 8.68% → 2.50% )
EPS Correlation: 18.03 | EPS CAGR: 1.39% | SUE: 0.92 | # QB: 1
Revenue Correlation: 87.07 | Revenue CAGR: 4.21% | SUE: 0.57 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.63 | Chg30d=-0.06% | Revisions=-54% | Analysts=14
EPS next Quarter (2026-09-30): EPS=0.67 | Chg30d=-0.19% | Revisions=-17% | Analysts=13
EPS current Year (2026-12-31): EPS=2.61 | Chg30d=+0.31% | Revisions=+43% | GrowthEPS=+12.2% | GrowthRev=+4.0%
EPS next Year (2027-12-31): EPS=2.85 | Chg30d=-0.19% | Revisions=+0% | GrowthEPS=+9.2% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: -54%