Regions Financial Corp (RF)
Fair ValueFundamental
60
Price
$26.88
Market Cap
$23.22B
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
$26.86
Current Price
$26.88
Margin of Safety
-0.1%
Fair Value Range
$22.38 - $31.34
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
10.93
ROE
11.3%
P/B Ratio
1.22
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 7.69%
- P/B Ratio 1.22
- Low reliance on intangibles
- Price below Graham Number
- ROE 11.8%
- Revenue Growth 5Y 5.1%
- PEG Ratio 0.65
- Earnings Quality (OCF/NI) 0.80
- Share Dilution -4.4%
- Net Margin Trend 29.3% vs 28.5%
- Piotroski F-Score 7/9
Failed (8)
- EPS CAGR 1.50%
- Debt/Equity ratio
- Operating Margin 2.1%
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Unknown)
- Analyst Consensus 43% Buy
- Earnings Surprise avg -2.4%
Unavailable (8)
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- 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 |
| Mr. Tom H. Speir | Head of Strategy, Investor Relations & Corporate Development | 43 |
| Ms. Tara Ann Plimpton | Senior EVP, Chief Legal Officer & Corporate Secretary | 56 |
| Ms. Anna Brackin | Chief Compliance Officer | - |
Audit Risk
3
Board Risk
5
Compensation Risk
4
Shareholder Rights Risk
7
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
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 2026-08-11
via SEC EDGAR
Income History
via SEC EDGAR
Latest News
Recent headlines for RF, sourced from Markets Gazette.
- 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%.
via Markets Gazette