Overview Dividends

(RF) Regions Financial - Ratings and Ratios

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

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

RF EPS (Earnings per Share)

EPS Growth (3Y CAGR): -2.21%
EPS Trend (3Y Correlation): -4.6%

RF Revenue

Revenue Growth (3Y CAGR): 17.21%
Revenue Trend (3Y Correlation): 76.9%

Risk via 10d forecast
Volatility	27.1%
Value at Risk 5%th	41.8%

Reward
Sharpe Ratio	0.07
Alpha Jensen	-13.91

Character
Hurst Exponent	0.516
Beta	1.054

Drawdowns 3y
Max DD	39.61%
Mean DD	13.71%

Description: RF Regions Financial October 14, 2025

Regions Financial Corporation (NYSE:RF) is a diversified banking holding company organized into three primary segments: Corporate Bank, which delivers commercial- and industrial-loan products, real-estate financing, equipment leasing, and capital-markets services; Consumer Bank, which focuses on residential mortgages, home-equity lines, credit cards and related deposits; and Wealth Management, which provides credit, retirement, trust, investment-management and estate-planning solutions to individuals, institutions and non-profits.

As of the most recent quarter (Q3 2024), RF reported a net interest margin of 3.12%-slightly above the regional-bank median of 2.9%-and loan growth of 5.4% year-over-year, driven largely by a rebound in commercial-real-estate lending. The bank’s return on equity (ROE) stood at 11.8%, consistent with its five-year average, while its efficiency ratio improved to 58.5%, reflecting tighter cost control.

The segment’s performance is closely tied to macro-economic factors: the Federal Reserve’s policy rate influences net interest income; regional housing market strength underpins mortgage and home-equity demand; and the health of the middle-market commercial sector affects loan-loss provisions. A slowdown in commercial-real-estate values or a prolonged high-rate environment could pressure earnings, while continued wage growth in the Southeast could bolster consumer deposits.

For a deeper, data-driven valuation, you may find ValueRay’s analyst toolkit useful.

RF Stock Overview

Market Cap in USD	21,957m
Sub-Industry	Regional Banks
IPO / Inception	1990-03-26
Return 12m vs S&P 500	-13.7%
Analyst Rating	3.67 of 5

RF Dividends

Dividend Yield	4.05%
Yield on Cost 5y	8.32%
Yield CAGR 5y	12.13%
Payout Consistency	93.3%
Payout Ratio	43.6%

RF Growth Ratios

CAGR	7.51%
CAGR/Max DD Calmar Ratio	0.19
CAGR/Mean DD Pain Ratio	0.55
Current Volume	17758.8k
Average Volume	35798.9k

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (2.23b TTM) > 0 and > 6% of Revenue (6% = 609.1m TTM)

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

NWC/Revenue 112.0% (prev -975.7%; Δ 1088 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 2.28b > Net Income 2.23b (YES >=105%, WARN >=100%)

Net Debt (3.01b) to EBITDA (2.92b) ratio: 1.03 <= 3.0 (WARN <= 3.5)

Current Ratio 9.75 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (905.0m) change vs 12m ago -1.42% (target <= -2.0% for YES)

Gross Margin 69.45% (prev 70.37%; Δ -0.92pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.40% (prev 5.92%; Δ 0.48pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.29 (EBITDA TTM 2.92b / Interest Expense TTM 2.17b) >= 6 (WARN >= 3)

Altman Z'' 0.85

(A) 0.07 = (Total Current Assets 12.67b - Total Current Liabilities 1.30b) / Total Assets 159.94b

(B) 0.06 = Retained Earnings (Balance) 9.92b / Total Assets 159.94b

(D) 0.06 = Book Value of Equity 8.27b / Total Liabilities 140.84b

Total Rating: 0.85 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 69.32

1. Piotroski 2.50pt = -2.50

2. FCF Yield 14.13% = 5.0

3. FCF Margin 22.19% = 5.55

4. Debt/Equity 0.32 = 2.45

5. Debt/Ebitda 1.03 = 1.72

6. ROIC - WACC (= 0.45)% = 0.57

7. RoE 12.03% = 1.00

8. Rev. Trend 76.91% = 5.77

9. EPS Trend -4.65% = -0.23

What is the price of RF shares?

As of November 13, 2025, the stock is trading at USD 25.06 with a total of 17,758,801 shares traded.
Over the past week, the price has changed by +3.77%, over one month by +2.04%, over three months by +2.76% and over the past year by -0.30%.

Is Regions Financial a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Regions Financial (NYSE:RF) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 69.32 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RF is around 24.10 USD . This means that RF is currently overvalued and has a potential downside of -3.83%.

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	28.5	13.5%
Analysts Target Price	28.5	13.5%
ValueRay Target Price	27.1	8%

RF Fundamental Data Overview November 11, 2025

Market Cap USD = 21.96b (21.96b USD * 1.0 USD.USD)
P/E Trailing = 11.0308
P/E Forward = 9.6525
P/S = 3.1616
P/B = 1.2325
P/EG = 1.8566
Beta = 1.054
Revenue TTM = 10.15b USD
EBIT TTM = 2.80b USD
EBITDA TTM = 2.92b USD
Long Term Debt = 5.99b USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.30b USD (from shortTermDebt, last quarter)
Debt = 6.08b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.01b USD (from netDebt column, last quarter)
Enterprise Value = 15.94b USD (21.96b + Debt 6.08b - CCE 12.10b)
Interest Coverage Ratio = 1.29 (Ebit TTM 2.80b / Interest Expense TTM 2.17b)
FCF Yield = 14.13% (FCF TTM 2.25b / Enterprise Value 15.94b)
FCF Margin = 22.19% (FCF TTM 2.25b / Revenue TTM 10.15b)
Net Margin = 21.96% (Net Income TTM 2.23b / Revenue TTM 10.15b)
Gross Margin = 69.45% ((Revenue TTM 10.15b - Cost of Revenue TTM 3.10b) / Revenue TTM)
Gross Margin QoQ = 63.46% (prev 73.21%)
Tobins Q-Ratio = 0.10 (Enterprise Value 15.94b / Total Assets 159.94b)
Interest Expense / Debt = 8.92% (Interest Expense 543.0m / Debt 6.08b)
Taxrate = 21.03% (171.0m / 813.0m)
NOPAT = 2.21b (EBIT 2.80b * (1 - 21.03%))
Current Ratio = 9.75 (Total Current Assets 12.67b / Total Current Liabilities 1.30b)
Debt / Equity = 0.32 (Debt 6.08b / totalStockholderEquity, last quarter 19.05b)
Debt / EBITDA = 1.03 (Net Debt 3.01b / EBITDA 2.92b)
Debt / FCF = 1.34 (Net Debt 3.01b / FCF TTM 2.25b)
Total Stockholder Equity = 18.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.39% (Net Income 2.23b / Total Assets 159.94b)
RoE = 12.03% (Net Income TTM 2.23b / Total Stockholder Equity 18.53b)
RoCE = 11.41% (EBIT 2.80b / Capital Employed (Equity 18.53b + L.T.Debt 5.99b))
RoIC = 9.73% (NOPAT 2.21b / Invested Capital 22.69b)
WACC = 9.28% (E(21.96b)/V(28.04b) * Re(9.90%) + D(6.08b)/V(28.04b) * Rd(8.92%) * (1-Tc(0.21)))
Discount Rate = 9.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.41%
[DCF Debug] Terminal Value 70.77% ; FCFE base≈2.36b ; Y1≈2.23b ; Y5≈2.12b
Fair Price DCF = 31.75 (DCF Value 27.84b / Shares Outstanding 876.9m; 5y FCF grow -7.02% → 3.0% )
EPS Correlation: -4.65 | EPS CAGR: -2.21% | SUE: 0.67 | # QB: 0
Revenue Correlation: 76.91 | Revenue CAGR: 17.21% | SUE: 1.73 | # QB: 2

Additional Sources for RF Stock

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