RF Stock Analysis: Regions Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 26.412m USD | 12M Return: 27.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 300M
EPS Trend: 58.2%
Qual. Beats: 2
Rev. Trend: 90.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 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 is a U.S.-based financial holding company headquartered in Birmingham, Alabama, that provides banking and related financial products and services to both individual and corporate customers. Founded in 1971, the company operates through three main segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment delivers commercial lending, equipment lease financing, deposit products, capital markets activities, and advisory services to corporate, middle market, and commercial real estate clients. The Consumer Bank segment offers residential mortgages, home equity products, consumer credit cards, and other consumer loans, along with related deposit products. The Wealth Management segment provides credit, retirement, and savings solutions, as well as trust, investment management, asset management, and estate planning services to individuals, businesses, and institutions.
The company also offers specialty services such as small business lending, equipment financing, investment and insurance products, home improvement lending, and broker-dealer services. As a large-cap regional bank traded on the NYSE under the ticker RF, Regions Financial operates within the U.S. regional banking sector, which serves as a key source of commercial and consumer credit in local markets and typically generates revenue from net interest income, fees, and treasury management services.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan losses pressure credit quality
- Wealth Management and capital markets fees drive noninterest income growth
| Net Income: 2.23b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.19 > 1.0 |
| NWC/Revenue: -941.0% < 20% (prev -1.00k%; Δ 62.31% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.98b > Net Income 2.23b |
| Net Debt (-35.0b) to EBITDA (2.91b): -12.01 < 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 1.98b) / TA 161b) |
| Beneish M = -3.24 (Cap -4..+1) = AA |
As of August 03, 2026, the stock is trading at USD 30.95 with a total of 4,276,237 shares traded. Over the past week, the price has changed by +0.29%, over one month by +2.21%, over three months by +12.96% and over the past year by +27.86%.
Current recommended Stop Loss: 30.10 (which is 2.7% or 1.3 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 | 32.9 | 6.4% |
P/E Trailing = 12.5813
P/E Forward = 11.6822
P/S = 3.5533
P/B = 1.5118
P/EG = 1.7968
Revenue TTM = 9.57b USD
EBIT TTM = 2.85b USD
EBITDA TTM = 2.91b USD
Long Term Debt = 4.13b USD (from longTermDebt, last fiscal year)
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 = 26.4b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.46 (Ebit TTM 2.85b / Interest Expense TTM 1.95b)
EV/FCF = 13.52x (Enterprise Value 26.4b / FCF TTM 1.95b)
FCF Yield = 7.39% (FCF TTM 1.95b / Enterprise Value 26.4b)
FCF Margin = 20.41% (FCF TTM 1.95b / 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 = 0.16 (Enterprise Value 26.4b / 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 = -12.01 (Net Debt -35.0b / EBITDA 2.91b)
Debt / FCF = -17.90 (Net Debt -35.0b / FCF TTM 1.95b)
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 = 12.35% (EBIT 2.85b / Capital Employed (Equity 18.9b + L.T.Debt 4.13b))
RoIC = 7.41% (NOPAT 2.23b / Invested Capital 30.1b)
WACC = 11.86% (E(26.4b)/V(34.0b) * Re(9.50%) + D(7.63b)/V(34.0b) * Rd(25.58%) * (1-Tc(0.22)))
Discount Rate = 9.50% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.08 | Cagr: -3.24%
[DCF] Terminal Value 61.72% ; FCFF base≈2.07b ; Y1≈1.85b ; Y5≈1.57b
[DCF] Fair Price = 59.56 (EV 15.9b - Net Debt -35.0b = Equity 50.8b / Shares 853.4m; r=11.86% [WACC]; 5y FCF grow -12.66% → 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=-1.80% | Revisions=+25% | Analysts=14
EPS current Year (2026-12-31): EPS=2.63 | Chg30d=+0.57% | Revisions=+17% | GrowthEPS=+12.8% | GrowthRev=+3.5%
EPS next Year (2027-12-31): EPS=2.84 | Chg30d=-0.47% | Revisions=+29% | GrowthEPS=+8.2% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: +36% (up=6, down=2)