RF Stock Analysis: Regions Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 23.334m USD | 12M Return: 7% | US7591EP1005 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 244M
EPS Trend: 58.2%
Qual. Beats: 2
Rev. Trend: 90.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Regions Financial Corporation (NYSE: RF) is a U.S.-based financial holding company headquartered in Birmingham, Alabama, offering banking and related financial services to both individual and corporate customers. Founded in 1971 and publicly traded since 1990, the company operates through three main segments: Corporate Bank, Consumer Bank, and Wealth Management, providing a diversified mix of lending, deposit, capital markets, and advisory services.
The Corporate Bank segment serves corporate, middle-market, and commercial real estate clients with commercial lending, equipment lease financing, capital markets activities, and advisory services such as mergers and acquisitions. The Consumer Bank segment focuses on residential mortgages, home equity products, consumer credit cards, and consumer deposits. The Wealth Management segment delivers credit, retirement, trust, investment management, asset management, and estate planning services to individuals, businesses, and institutions, along with investment, insurance, and specialty financing offerings.
As a regional bank within the Financials sector, Regions Financial operates under a diversified holding company structure that combines traditional commercial and consumer banking with fee-generating wealth and capital markets businesses. Its large-cap status reflects its scale as one of the larger U.S. regional banking franchises, with operations spanning retail, commercial, and institutional client segments.
- Net interest margin expands on deposit repricing and Fed rate path
- Commercial real estate loan losses pressure credit costs amid office sector stress
- Wealth Management fees grow with rising AUM and market levels
| Net Income: 2.23b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.56 > 1.0 |
| NWC/Revenue: -941.0% < 20% (prev -1.00k%; Δ 62.31% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.78b > Net Income 2.23b |
| Net Debt (-35.0b) to EBITDA (2.94b): -11.90 < 3 |
| Current Ratio: 0.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (857.0m) vs 12m ago -4.78% < -2% |
| Gross Margin: 76.85% > 18% (prev 71.51%; Δ 5.34% > 0.5%) |
| Asset Turnover: 5.97% > 50% (prev 5.98%; Δ -0.01% > 0%) |
| Interest Coverage Ratio: 1.46 > 6 (EBIT TTM 2.85b / Interest Expense TTM 1.95b) |
| A: -0.56 (Total Current Assets 43.7b - Total Current Liabilities 134b) / Total Assets 161b |
| B: 0.07 (Retained Earnings 10.8b / Total Assets 161b) |
| C: 0.02 (EBIT TTM 2.85b / Avg Total Assets 160b) |
| D: 0.13 (Book Value of Equity 18.8b / Total Liabilities 142b) |
| Altman-Z'' = -3.18 = D |
| DSRI: 0.86 (Receivables 495.0m/574.0m, Revenue 9.57b/9.52b) |
| GMI: 0.93 (GM 71.51% / 76.85%) |
| AQI: 0.94 (AQ_t 0.72 / AQ_t-1 0.77) |
| SGI: 1.00 (Revenue 9.57b / 9.52b) |
| TATA: 0.00 (NI 2.23b - CFO 1.78b) / TA 161b) |
| Beneish M = -3.24 (Cap -4..+1) = AA |
As of October 03, 2026, the stock is trading at USD 26.96 with a total of 11,712,787 shares traded. Over the past week, the price has changed by -1.10%, over one month by -7.95%, over three months by -11.58% and over the past year by +7.02%.
Current recommended Stop Loss: 26.20 (which is 2.8% or 1.4 ATR below the current price).
Regions Financial has received a consensus analysts rating of 3.43. Therefore, it is recommended to hold RF.
- StrongBuy: 6
- Buy: 2
- Hold: 10
- Sell: 1
- StrongSell: 2
| Analysts Target Price | 32.8 | 21.8% |
P/E Trailing = 11.1341
P/E Forward = 9.6246
P/S = 3.2239
P/B = 1.361
P/EG = 1.4806
Revenue TTM = 9.57b USD
EBIT TTM = 2.85b USD
EBITDA TTM = 2.94b USD
Long Term Debt = 4.63b USD (from longTermDebt, last quarter)
Short Term Debt = 3.00b USD (from shortTermDebt, last quarter)
Debt = 7.63b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -35.0b USD (calculated: Debt 7.63b - CCE 42.6b)
Enterprise Value = 23.3b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.46 (Ebit TTM 2.85b / Interest Expense TTM 1.95b)
EV/FCF = 13.21x (Enterprise Value 23.3b / FCF TTM 1.77b)
FCF Yield = 7.57% (FCF TTM 1.77b / Enterprise Value 23.3b)
FCF Margin = 18.47% (FCF TTM 1.77b / Revenue TTM 9.57b)
Net Margin = 23.33% (Net Income TTM 2.23b / Revenue TTM 9.57b)
Gross Margin = 76.85% ((Revenue TTM 9.57b - Cost of Revenue TTM 2.21b) / Revenue TTM)
Gross Margin QoQ = 77.33% (prev 76.58%)
Tobins Q-Ratio = 0.14 (Enterprise Value 23.3b / Total Assets 161b)
Interest Expense / Debt = 25.58% (Interest Expense 1.95b / Debt 7.63b)
Taxrate = 21.63% (616.0m / 2.85b)
NOPAT = 2.23b (EBIT 2.85b * (1 - 21.63%))
Current Ratio = 0.33 (Total Current Assets 43.7b / Total Current Liabilities 134b)
Debt / Equity = 0.40 (Debt 7.63b / totalStockholderEquity, last quarter 18.8b)
Debt / EBITDA = -11.90 (Net Debt -35.0b / EBITDA 2.94b)
Debt / FCF = -19.78 (Net Debt -35.0b / FCF TTM 1.77b)
Total Stockholder Equity = 18.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.39% (Net Income 2.23b / Total Assets 161b)
RoE = 11.79% (Net Income TTM 2.23b / Total Stockholder Equity 18.9b)
RoCE = 12.09% (EBIT 2.85b / Capital Employed (Equity 18.9b + L.T.Debt 4.63b))
RoIC = 7.41% (NOPAT 2.23b / Invested Capital 30.1b)
WACC = 12.18% (E(23.3b)/V(31.0b) * Re(9.61%) + D(7.63b)/V(31.0b) * Rd(25.58%) * (1-Tc(0.22)))
Discount Rate = 9.61% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.08 | Cagr: -3.24%
[DCF] Terminal Value 60.25% ; FCFF base≈2.12b ; Y1≈1.86b ; Y5≈1.50b
[DCF] Fair Price = 58.45 (EV 14.8b - Net Debt -35.0b = Equity 49.8b / Shares 851.9m; r=12.18% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 58.21 | EPS CAGR: 4.73% | SUE: 1.42 | # QB: 2
Revenue Correlation: 90.39 | Revenue CAGR: 2.70% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.66 | Chg30d=+0.57% | Revisions=-79% | Analysts=15
EPS current Year (2026-12-31): EPS=2.64 | Chg30d=+0.29% | Revisions=+44% | GrowthEPS=+13.2% | GrowthRev=+3.5%
EPS next Year (2027-12-31): EPS=2.85 | Chg30d=+0.10% | Revisions=-27% | GrowthEPS=+7.9% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: -21% (up=14, down=22)