(RF) Regions Financial - Ratings and Ratios
Commercial Loans, Consumer Deposits, Wealth Advisory, Mortgage, Credit Cards
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.74% |
| Yield on Cost 5y | 8.10% |
| Yield CAGR 5y | 12.13% |
| Payout Consistency | 92.0% |
| Payout Ratio | 43.8% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 27.3% |
| Value at Risk 5%th | 40.9% |
| Relative Tail Risk | -8.77% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.46 |
| Alpha | 1.42 |
| CAGR/Max DD | 0.37 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.537 |
| Beta | 1.083 |
| Beta Downside | 1.321 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.61% |
| Mean DD | 13.64% |
| 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% = 575.2m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.19pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 118.6% (prev -975.7%; Δ 1094 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 2.16b (YES >=105%, WARN >=100%) |
| Net Debt (3.01b) to EBITDA (2.77b) ratio: 1.09 <= 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 (894.0m) change vs 12m ago -2.61% (target <= -2.0% for YES) |
| Gross Margin 72.44% (prev 70.37%; Δ 2.07pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.04% (prev 5.92%; Δ 0.12pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.24 (EBITDA TTM 2.77b / Interest Expense TTM 2.17b) >= 6 (WARN >= 3) |
Altman Z'' 0.84
| (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 |
| (C) 0.02 = EBIT TTM 2.69b / Avg Total Assets 158.68b |
| (D) 0.06 = Book Value of Equity 8.27b / Total Liabilities 140.84b |
| Total Rating: 0.84 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 72.46
| 1. Piotroski 4.0pt |
| 2. FCF Yield 12.15% |
| 3. FCF Margin 23.49% |
| 4. Debt/Equity 0.32 |
| 5. Debt/Ebitda 1.09 |
| 6. ROIC - WACC (= -0.01)% |
| 7. RoE 11.63% |
| 8. Rev. Trend 88.35% |
| 9. EPS Trend 18.14% |
What is the price of RF shares?
Over the past week, the price has changed by +0.69%, over one month by +14.65%, over three months by +3.45% and over the past year by +16.91%.
Is RF a buy, sell or hold?
- 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 | 28.9 | 4.9% |
| Analysts Target Price | 28.9 | 4.9% |
| ValueRay Target Price | 31.2 | 13.2% |
RF Fundamental Data Overview December 18, 2025
P/E Trailing = 12.1189
P/E Forward = 10.7411
P/S = 3.5345
P/B = 1.3585
P/EG = 2.0656
Beta = 1.049
Revenue TTM = 9.59b USD
EBIT TTM = 2.69b USD
EBITDA TTM = 2.77b USD
Long Term Debt = 4.79b USD (from longTermDebt, last quarter)
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 = 18.53b USD (24.55b + Debt 6.08b - CCE 12.10b)
Interest Coverage Ratio = 1.24 (Ebit TTM 2.69b / Interest Expense TTM 2.17b)
FCF Yield = 12.15% (FCF TTM 2.25b / Enterprise Value 18.53b)
FCF Margin = 23.49% (FCF TTM 2.25b / Revenue TTM 9.59b)
Net Margin = 22.49% (Net Income TTM 2.16b / Revenue TTM 9.59b)
Gross Margin = 72.44% ((Revenue TTM 9.59b - Cost of Revenue TTM 2.64b) / Revenue TTM)
Gross Margin QoQ = 73.77% (prev 73.21%)
Tobins Q-Ratio = 0.12 (Enterprise Value 18.53b / Total Assets 159.94b)
Interest Expense / Debt = 8.86% (Interest Expense 539.0m / Debt 6.08b)
Taxrate = 19.63% (139.0m / 708.0m)
NOPAT = 2.16b (EBIT 2.69b * (1 - 19.63%))
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 = 1.09 (Net Debt 3.01b / EBITDA 2.77b)
Debt / FCF = 1.34 (Net Debt 3.01b / FCF TTM 2.25b)
Total Stockholder Equity = 18.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.35% (Net Income 2.16b / Total Assets 159.94b)
RoE = 11.63% (Net Income TTM 2.16b / Total Stockholder Equity 18.53b)
RoCE = 11.55% (EBIT 2.69b / Capital Employed (Equity 18.53b + L.T.Debt 4.79b))
RoIC = 9.42% (NOPAT 2.16b / Invested Capital 22.96b)
WACC = 9.44% (E(24.55b)/V(30.63b) * Re(10.01%) + D(6.08b)/V(30.63b) * Rd(8.86%) * (1-Tc(0.20)))
Discount Rate = 10.01% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.01%
[DCF Debug] Terminal Value 70.39% ; FCFE base≈2.36b ; Y1≈2.23b ; Y5≈2.12b
Fair Price DCF = 31.26 (DCF Value 27.41b / Shares Outstanding 876.9m; 5y FCF grow -7.02% → 3.0% )
EPS Correlation: 18.14 | EPS CAGR: 10.04% | SUE: 0.68 | # QB: 0
Revenue Correlation: 88.35 | Revenue CAGR: 10.80% | SUE: 0.83 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.60 | Chg30d=-0.002 | Revisions Net=-3 | Analysts=18
EPS next Year (2026-12-31): EPS=2.60 | Chg30d=+0.025 | Revisions Net=+11 | Growth EPS=+11.4% | Growth Revenue=+4.3%
Additional Sources for RF Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle