RF

Regions Financial Corporation

Fundamental data last updated:September 28, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Regions Financial Corporation, a financial holding company, provides banking and bank-related 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; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves 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 deposits. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. The company also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services. As of March 01, 2022, it operated through a network of 1,300 banking offices and 2,000 automated teller machines across the South, Midwest, and Texas. Regions Financial Corporation was founded in 1971 and is headquartered in Birmingham, Alabama.

 


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VALUATION

P/E

10.88

Market Cap ($M USD)

$23.93B

Forward P/E

8.89

PEG

0.40

PRICE TO SALES

2.49

PRICE TO BOOK

1.29

EV / EBITDA

9.26

5-Year Average P/E

Free Cash Flow Yield

8.17%

DCF Value

$33.21

Graham Number

$35.53

Price to FCF

12.24

EV to FCF

13.72

Earnings Yield

9.19%

FCF Yield

8.17%

DIVIDEND

Yield

3.73%

Annual Payout

$1.05

Payout Ratio

44.99%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$2.58

Next Year EPS Growth Estimate

$3.15

Next Year Revenue Growth Estimate

$8.53B

Return on Equity (ROE)

11.78%

FREE CASH FLOW

Operating Margin

29.48%

Debt-to-Equity

0.26

Piotroski F-Score

8

Altman Z-Score

0.32

Return on Invested Capital (ROIC)

1.80%

Current Ratio

1.25

Quick Ratio

1.25

Net Debt to EBITDA

1.00

Interest Coverage

1.41

Gross Profit margin

75.81%

FCF PER SHARE

$2.27

REVENUE PER SHARE

$11.15

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Gainseekers Quantitative Analysis

Summary

The market seems to be undervaluing Regions Financial Corporation. With a DCF value of $33.41 and a Graham Number of $35.53, the stock’s recent pricing indicated it traded below intrinsic value. The Forward P/E of 8.76 suggests a bargain relative to expected earnings, while the Earnings Yield of 9.33% highlights strong profitability. However, the Altman Z-score of 0.32 raises red flags about financial distress, hinting at potential risks despite the attractive valuation.

AI Exposure / Tech Reliance

Operating in the regional banking sector, Regions Financial is poised to leverage AI for enhanced customer service and operational efficiency. The industry’s shift towards digital banking provides a platform for integrating advanced technologies. However, the traditional nature of banking may slow rapid tech adoption.

The Bull Case

For the discerning GARP investor, Regions Financial offers compelling reasons to buy. The Piotroski F-Score of 8 indicates robust financial health, while a Return on Equity of 11.78% showcases effective capital utilization. With a Free Cash Flow Yield of 8.29% and a solid operating margin of 29.48%, the company demonstrates strong cash generation and pricing power. These metrics suggest a well-managed institution capable of delivering shareholder value.

The Bear Case

Despite its strengths, Regions Financial faces significant structural risks. The Altman Z-score of 0.32 signals potential financial instability, and the stock's proximity to its 52-week high suggests technical overextension. Additionally, the Price to Free Cash Flow ratio of 12.06 could imply limited upside if cash flows don't improve. Investors should be wary of these vulnerabilities before committing capital.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$30.78

Institutional Ownership %

1-Year Beta

1.03

Insider Buying % (6 Mo)

Distance to 52-Week High

12.43%

Distance to 52-Week Low

25.87%

EARNINGS SURPRISE %

1.64%

50-DAY SMA

$27.21

200-DAY SMA

$26.88

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.