Financials · Regional Banks · US stock · price as of 22 Oct 2026
Key indicators
Price
$28.40
52-week range
$23.59 – $32.47
Market cap
$24.3B
P/E (trailing)
11.2×
Dividend yield
3.9%
Revenue (last 12 months)
–
Revenue growth (3y a year)
–
Price / book
1.3×
Return on equity
11.8%
Fair value
Fair value (average of valid models)$34.52 middle half of models $27 – $39
Versus priceUndervalued+22% to fair value
P/E multiple
$27.90
P/B multiple
$26.45
Dividend discount, stable
$49.23
Model uncertainty
Medium
X-Ray Score
58/ 100 · Low confidence · ahead of 77% of sector peers
Valuation84
Growth20
Profitability39
Financial health79
Dividends78
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
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%. Any one measure gives only a partial picture of the business.
StocksXray gives Regions Financial Corp an X-Ray Score of 58 out of 100 (low confidence), ahead of 77% of the S&P 500 stocks in its sector. Its strongest lens is valuation (84) and its weakest is growth (20).
Our fair value (the average of the valid models) is $34.52 (range $27.17 to $38.56). At $28.40 the stock trades 18% below that value, so the label is "Undervalued" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Regions Financial Corp (RF)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$17.86
$18.28
$17.24
$21.89
$26.32
$28.40
Market cap
$17.2B
$17.2B
$16.2B
$20.1B
$23.6B
$24.3B
P/E
7.2×
8.0×
8.2×
11.3×
11.4×
11.2×
Price / book
0.9×
1.1×
0.9×
1.1×
1.2×
1.3×
Dividend yield
3.64%
4.05%
5.10%
4.48%
3.91%
3.86%
Fundamentals checklist ● 1 Good · ● 1 Average · ● 1 Bad · each check graded against the sector
Growth
EPS growth (3y)0.3%Bad
Valuation
Fair value vs price1.2×Good
Profitability
Return on invested capital13.5%Average
XStocksXray
Regions Financial Corp (RF)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
104
–
–
–
–
–
Net income
2,521
2,245
2,074
1,893
2,156
2,232
Diluted EPS ($)
2.49
2.28
2.11
1.93
2.30
2.54
Net margin
2,424.0%
–
–
–
–
–
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
162,938
155,220
152,194
157,302
158,814
161,299
Cash
29,411
11,227
6,801
10,712
10,907
9,926
Total debt
2,407
2,284
2,330
6,493
4,884
7,628
Equity
18,326
15,947
17,429
17,879
19,043
18,840
Dividend per share ($)
0.65
0.74
0.88
0.98
1.03
1.06
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
