Regions Financial Corp (RF)
Fair ValueFundamental
60
Price
$28.47
Market Cap
$23.90B
Part 1 · What the company is worth
Overview
Regions Financial Corporation, a financial holding company, provides various banking and related products and services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; home improvement lending, investment advisory services, equipment financing for commercial clients, small business customers, low-income housing tax credit corporate fund syndication services, financing to CRA-qualified customers, and broker-dealer services to commercial clients, as well as other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$7.62B
Trailing 12 months (through 6/30/2026)
Net Income
$2.23B
Trailing 12 months (through 6/30/2026)
Free Cash Flow
-
Total Equity
$19.04B
Total Liabilities
$139.71B
Current Ratio
-
Interest Coverage
0.03
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$27.34
Current Price
$28.47
Margin of Safety
-4.1%
Fair Value Range
$23.15 - $31.54
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
11.57
ROE
11.3%
P/B Ratio
1.29
P/FCF
-
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
11.4%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (12)
- EPS shows upward trend
- Price CAGR 6.47%
- P/B ratio 1.29
- Low reliance on intangibles
- Price below Graham Number
- ROE 12.3%
- Revenue growth 5Y 5.1%
- PEG ratio 0.64
- Earnings quality (operating cash flow / net income) 0.80
- Share dilution -4.4%
- Net margin trend 29.3% vs 28.5%
- Piotroski F-Score 7/9
Failed (7)
- EPS CAGR 1.50%
- Debt/equity ratio
- Operating margin 2.1%
- Interest coverage
- Return on tangible assets
- DCF valuation (Unknown)
- Earnings surprise, average -1.2%
Unavailable (8)
- ROIC –
- Gross margin –
- P/FCF –
- Dividend payout –
- Positive free cash flow
- CapEx intensity
- Current ratio
- Debt/EBITDA
Piotroski F-Score
Strong financial health
Earnings Quality
Moderate: some gap between profits and cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. John M. Turner Jr. | President, CEO & Chairman | 63 |
| Mr. Charles Dandridge Massey | Senior EVP and Chief Enterprise Operations & Technology Officer | 54 |
| Mr. David R. Keenan | Senior Advisor | 57 |
| Mr. Russell K. Zusi | Senior EVP & Chief Risk Officer | 50 |
| Mr. Anil D. Chadha | Senior Executive VP & CFO | 46 |
| Ms. Karin K. Allen | Executive VP & Chief Accounting Officer | - |
| Ms. Katherine Randall Danella | Senior EVP & Chief Administrative Officer | 47 |
| Ms. Tara Ann Plimpton | Senior EVP, Chief Legal Officer & Corporate Secretary | 56 |
| Ms. Anna Brackin | Chief Compliance Officer | - |
| Mr. Ryan Sladek | Head of Sales | - |
Audit Risk
3
Board Risk
5
Compensation Risk
4
Shareholder Rights Risk
7
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-24
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-06
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-16
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much RF moves, measured on its daily prices.
More volatile than 8% of the tracked stocks (90-day volatility).
- Volatility 30d
- 21.0%
- Volatility 90d
- 20.6%
- Beta vs S&P 500 (1y)
- 0.67Correlation 0.37
- Max drawdown (12m)
- -19.2%
- ATR (14d, % of price)
- 2.00%
Earnings reactions
How RF moved around its past quarterly results.
Next earnings release
No upcoming release on the calendar.
What usually happens
- Over the last 12 releases the stock moved a median of 0.9% the next day, up or down.
- Next-day moves: up 6, down 5 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 16, 2026 | Before the open | 0.66 | 0.71 | +7.5% | +2.1% | +0.5% | +4.0% |
| Jul 17, 2026 | Before the open | 0.65 | 0.64 | -0.9% | -1.5% | -2.3% | -5.4% |
| Apr 17, 2026 | Before the open | 0.62 | 0.62 | +0.5% | +1.9% | +0.8% | +1.7% |
| Jan 16, 2026 | Before the open | 0.63 | 0.58 | -8.2% | -3.1% | -2.6% | -3.6% |
| Oct 17, 2025 | Before the open | 0.62 | 0.61 | -0.9% | +1.3% | +1.0% | +3.2% |
| Jul 18, 2025 | Before the open | n/a | n/a | n/a | +4.0% | +6.1% | +7.3% |
| Apr 17, 2025 | Before the open | n/a | n/a | n/a | +5.8% | +0.7% | +7.1% |
| Jan 17, 2025 | Before the open | n/a | n/a | n/a | +2.4% | -1.3% | -0.2% |
| Oct 18, 2024 | Before the open | n/a | n/a | n/a | +1.4% | -0.7% | -0.9% |
| Jul 19, 2024 | Before the open | n/a | n/a | n/a | -1.1% | 0.0% | +2.1% |
| Apr 19, 2024 | Before the open | n/a | n/a | n/a | -0.3% | -0.5% | +3.2% |
| Jan 19, 2024 | Before the open | n/a | n/a | n/a | 0.0% | +3.7% | +6.6% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on RF and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for RF.
- 4/17/2026NEUTRALRegions Financial Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call
Regions Financial Corp. is set to report its Q1 earnings on April 17, with analysts projecting an Earnings Per Share (EPS) of 59 cents and revenue of $1.92 billion. The company's stock, RF, is currently trading on the NYSE. Analyst ratings show a mixed sentiment, with recent actions including Morgan Stanley maintaining an 'Overweight' rating in February 2022, UBS initiating coverage with a 'Buy' in January 2022, and Citigroup upgrading its rating to 'Buy' from 'Neutral' in the same month. The accuracy of these analyst forecasts varies, ranging from 61% to 76%.