Regions Financial Corp (RF)
Financials · Regional Banks · US stock · S&P 500 component
$28.40
▲ +0.35 (1.25%)
Fair valueUndervalued
$35 +21.5% to fair value
$17fair band $29–$42$52
Day's range
$27.86 – $28.51
52-week range
$23.59 – $32.47
About Regions Financial Corp
Regions Financial is a regional bank holding company serving customers mainly in the southern and midwestern United States. Its bank offers checking and savings accounts, consumer and business loans, mortgages, treasury services and wealth management. The company earns money from the gap between interest earned on loans and securities and interest paid on deposits, plus fees from services. Interest rates and loan quality are key influences on results.
Return on invested capital came to 13%. A dividend is paid, with a yield of 3.9%. It carries an X-Ray Score of 58 out of 100. Any one measure gives only a partial picture of the business.
Price chart
52-wk range $23.59 – $32.47Volume 8,990,620Daily, split-adjusted
Vitals
Market cap$24.3B
52-week range$23.59 – $32.47
Volume (last day)8,990,620
P/E (TTM)11.2
EBIT / EV yield12.9%
Free-cash-flow yield–
Dividend yield3.9%
Revenue (TTM)–
Net income (TTM)$2.2B
Operating margin–
Return on capital13.5%
Debt incl. leases$7.6B
Cash & securities$9.9B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies that hold large long-term investments). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$35middle half of models $27 – $39
Undervalued
+21.5% to fair value
Average of the 3 valuation models that pass our checks: multiples, discounted cash flow, dividend discount and earnings power value. A model more than 100% above or 60% below the price is left out as unrealistic. Model uncertainty is Medium, based on how far apart the models are. Undervalued or Overvalued means the gap to fair value is more than 17.5%.
Price $28
Undervalued < $29Fair $29 – $42Overvalued > $42
P/E multiple
$28
P/B multiple
$26
Dividend discount, stable
$49
Dividend discount, multi-stage · not used
$82
A model estimate, not a price target or recommendation. Inputs: risk-free 5.13%, equity risk premium 4.30% (Damodaran). How it works.
What this means
Average business at a low price
Our models put fair value above today's price, but models can be wrong, so check the business first. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Strong: 70 to 100Fair: 50 to 69Weak: under 50No score: not enough data
Valuation
Strong
84/100
Cheap against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield12.9%
Fair value vs price1.2×
Growth
Weak
20/100
Growing slower than most of its sector.
See the numbers →
EPS growth (3y)0.3%
Profitability
Weak
39/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital13.5%
Financial health
Strong
79/100
Balance sheet looks strong: debt is well covered.
See the numbers →
Net debt / EBITDA-0.8×
Interest coverNo interest cost
Dividends
Strong
78/100
Dividend is high and well covered by cash flow.
See the numbers →
Dividend yield3.9%
Dividend growth11.2%
Quarterly results: last 6 quarters
–
Mar '25
–
Jun '25
–
Sep '25
–
Dec '25
–
Mar '26
–
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue –, diluted EPS $0.64.
Compare with peers
MTB M&T Bank Corp58 KEY Keycorp51 CFG Citizens Financial Gro...49 HBAN Huntington Bancshares...39Other Regional Banks companies by X-Ray Score.
SWOT analysis: Regions Financial Corp
Strengthsinside the company
- Return on invested capital is 13.5%, against a median of 7.1% for industry peers.
- Cash exceeds debt (net debt is negative), which gives room to invest or ride out a downturn.
- Operating profit covers interest 50x, so debt costs are a small drag.
Weaknessesinside the company
- No clear weakness in the figures we track.
Opportunitiesvaluation and setting
- The price is 22% below our fair value estimate, with the gap larger than the margin we allow for error.
- Our Market Compass rates the backdrop for Financials as favourable.
Threatsvaluation and setting
- No specific threat is flagged by our checks; general market and interest-rate risk still applies.
Written by fixed rules from the figures on this page and the peer table below: filings, our fair value, the sector climate and the price trend. It summarises the data, it is not a forecast or advice.
Compare RF with peers and sector
Medians of 5 Regional Banks peers and of 70 Financials stocks in our universe.
Largest peers (X-Ray Score): FITB 36, MTB 58, HBAN 39, CFG 49, KEY 51.
| Metric | RF | Peers | Sector |
|---|---|---|---|
| X-Ray Score (out of 100) | 58 | 49 | 50 |
| Valuation | 84 | 61 | 52 |
| Growth | 20 | 27 | 54 |
| Profitability | 39 | 34 | 49 |
| Financial health | 79 | 74 | 50 |
| Dividends | 78 | 58 | 54 |
Sector leaders: highest X-Ray Score in Financials
RF ranks #16 of 71 in Financials and #1 of 6 in Regional Banks by X-Ray Score. A higher score is stronger on our five pillars; it is a ranking of facts, not a forecast.
Green means better than the peer median, red worse (only where a higher or lower figure is clearly better). A dash means too few companies report the figure. P/E, EV/EBITDA and price changes are not graded: a different level is not good or bad by itself.
Factor ratings for RF
Each factor is rated by where RF stands among the 71 Financials stocks in our universe.
Rating against the sector
Goodthe top third of these stocks
Averagethe middle third of these stocks
Badthe bottom third of these stocks
"Beats" is the share of those stocks it is ahead of.
Against its own history
The last columns set today's figure against the company's own median of its last five financial years:
▲ Betterbetter than its usual level
▼ Worseworse than its usual level
≈ In linewithin its usual range
For valuation factors Good means cheaper than most of the sector and Better means cheaper than usual for this company, which is not the same as a bargain.
In total: 2 Good · 0 Average · 2 Bad of 4
Growth: 0 · 0 · 1
Profitability: 0 · 0 · 1
Valuation: 2 · 0 · 0
| Factor | RF | Rating | Sector median | Own 5-year median | Against own history |
|---|---|---|---|---|---|
| Growth | |||||
| EPS growth, 3 years a year | +0.3% | Bad beats 20% | +12.7% | – | – |
| Profitability | |||||
| Return on equity | 11.8% | Bad beats 32% | 15.7% | 11.9% | ≈ In line |
| Valuation | |||||
| P/E ratio | 10.9x | Good beats 77% | 13.8x | 9.0x | ▼ Worse |
| Price / book | 1.3x | Good beats 76% | 2.2x | 1.2x | ≈ In line |
These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the X-Ray Score. A factor is left out when its data is missing or meaningless (for example a P/E on negative earnings), and banks and insurers are rated only on the factors that apply to them. A dash in the history columns means fewer than three usable years.
Fundamentals checklist
● 4 Good · ● 1 Average · ● 2 BadCash quality
Earnings backed by cashBad
Risk models
Growth
EPS growth (3y)Bad
Balance sheet
Net debt / EBITDAGood
Interest coverGood
Valuation
Fair value vs priceGood
EBIT / EV yieldGood
Profitability
Return on invested capitalAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 49/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $104M | – | – | – | – |
| Operating income | $46M | $56M | $212M | $95M | $53M |
| Net income | $2.5B | $2.2B | $2.1B | $1.9B | $2.2B |
| Operating cash flow | $3.0B | $3.1B | $2.3B | $1.6B | $2.2B |
| Operating margin | 44.2% | – | – | – | – |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $2.49 | $2.28 | $2.11 | $1.93 | $2.30 |
Fiscal years, from SEC filings.
Technical summary
Daily
Neutral
8 bullish · 1 neutral · 7 bearish
Weekly
Neutral
6 bullish · 1 neutral · 5 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 27.46 | Bullish |
| EMA 10 | 27.63 | Bullish |
| SMA 20 | 27.26 | Bullish |
| EMA 20 | 27.65 | Bullish |
| SMA 50 | 28.77 | Bearish |
| EMA 50 | 28.35 | Bullish |
| SMA 100 | 29.35 | Bearish |
| EMA 100 | 28.60 | Bearish |
| SMA 200 | 28.26 | Bullish |
| EMA 200 | 27.94 | Bullish |
Oscillators (daily)
| RSI (14) | 58.11 | Neutral |
| MACD (12, 26) | -0.21 | Bearish |
| Momentum (12) | 4.99 | Bullish |
| Stochastic %K (14) | 95.01 | Bearish |
| Williams %R (14) | -4.99 | Bearish |
| CCI (20) | 214.6 | Bearish |
Pivot points (classic, last session)
S3 27.36 | S2 27.61 | S1 28.00 | Pivot 28.25 | R1 28.65 | R2 28.90 | R3 29.29 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.10 USD
Yield on today's price
3.86%
Frequency
Quarterly
Next ex-dividend date
1 Dec 2026
| Ex-dividend date | Amount per share |
|---|---|
| (upcoming) | 0.3000 |
| 0.3000 | |
| 0.2650 | |
| 0.2650 | |
| 0.2650 | |
| 0.2650 | |
| 0.2500 | |
| 0.2500 | |
| 0.2500 | |
| 0.2500 | |
| 0.2400 | |
| 0.2400 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
ETFs that hold RF
| ETF | Share of the fund |
|---|---|
| KBWB Invesco KBW Bank | 2.90% |
| SPHD Invesco S&P 500 High Dividend Low Vola... | 1.58% |
| RDVI FT Cboe Vest Rising Dividend Achievers... | 1.56% |
| RDVY First Trust Rising Dividend Achievers | 1.52% |
| KRE SPDR S&P Regional Banking | 1.34% |
| DVY iShares Select Dividend | 1.31% |
| SPYD SPDR Portfolio S&P 500 High Dividend | 1.26% |
| WTV WisdomTree U.S. Quality Shareholder Yi... | 1.09% |
The eight funds with the largest weight in RF among the ETFs we cover, from each fund's latest SEC Form N-PORT (quarter-end positions, so they can be months old). All ETFs.
RF stock splits
RF has split its stock 2 times since 1993. The latest was a 2-for-1 split on 16 Jun 1997.
Full RF stock split history →RF SEC filings
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
8-KSEC EDGAR
Director or officer change; Regulation FD disclosure
8-KSEC EDGAR
Regulation FD disclosure
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
8-KSEC EDGAR
Regulation FD disclosure
8-KSEC EDGAR
Shareholder vote results
10-QSEC EDGAR
Quarterly report
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.