Regions Financial (RF) Stock Analysis
NYQ · Financial Services · Banks - Regional
$27.44
-0.18 (-0.65%)
RF Interactive Price Chart & Trading Signals
RF Stock Snapshot — Valuation, Risk & Technical Signals
RF Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$23.38B
P/E Ratio
11.15
Forward P/E
9.65
PEG Ratio
1.44
P/B Ratio
1.34
EPS
$2.46
Dividend Yield
3.96%
52W Range
$22.70 – $32.47
Beta
1.00
Volume
0.2M
ROE
11.9%
Profit Margin
30.8%
Revenue Growth
3.4%
Gross Margin
—
EV/EBITDA
—
Analyst Target
$32.71
The trailing price-to-earnings ratio stands at 11.2x. Forward P/E of 9.6x implies earnings expansion expected. Price-to-book is 1.34x. Market capitalization is $23.38B. Revenue is growing at 3.4% on a trailing basis. Earnings are expanding at 8.5%. Profit margins are 30.8%. Return on equity is 11.9%. Beta of 1.00 indicates market-average volatility.
Analyst Consensus
Recommendation
Hold
Low Target
$28.00
Mean Target
$32.71
High Target
$36.00
Based on 20 analysts
About Regions Financial
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.
RF Deep Dive Analysis
Bottom Line
Verdict
UndervaluedBest for
Value-oriented investorsWatch out for
None flaggedNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
Regions Financial Corporation (RF) trades below our multi-model fair value estimate of $36.09 by approximately 31.5%. Trailing P/E: 11.2x. Profitability signals include profit margin of 30.8% and return on equity of 11.9%. Recent growth metrics show revenue growth of 3.4% and earnings growth of 8.5%. Risk profile: beta of 1.00. Consensus: hold.
Valuation, Growth & Risk
Valuation
Undervalued
P/E 11.2x
Price sits below our estimate of fair value.
Growth
Stable
Rev 3.4%
Revenue is moving sideways.
Valuation Snapshot
Regions Financial Corporation (RF) trades below our multi-model fair value estimate of $36.09 by approximately 31.5%. The trailing price-to-earnings ratio stands at 11.2x. Forward P/E of 9.6x suggests earnings compression ahead. Price-to-sales is 3.2x. Price-to-book is 1.3x. Market capitalization is $23.38B.
Why it matters: Buying below fair value can create a margin of safety, but always check earnings quality.
Growth & Profitability
Revenue is growing at 3.4% on a trailing basis. Earnings are expanding at 8.5%. Profit margins are 30.8%. Return on equity is 11.9%. Return on assets is 1.4%.
Why it matters: Stable revenue is fine, but watch for margin pressure that could limit profit growth.
Risk Profile
Beta of 1.00 indicates market-average volatility. Net debt position is $4.48B.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $32.71 implies 19.2% upside. Target range spans $28.00 to $36.00. 20 analysts cover the stock. Consensus recommendation: hold.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
The combination of undervaluation and moderate risk may suit value-oriented investors. Free cash flow yield of 9.2% is attractive for cash-flow-focused investors.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
RF Undervalued
Regions Financial Corporation (RF) trades below our multi-model fair value estimate of $36.09 by approximately 31.5%.
Frequently Asked Questions
ValuationIs RF stock overvalued right now?
ValuationWhat is RF fair value based on current fundamentals?
RiskHow risky is RF compared with other stocks?
GrowthIs RF still growing?
AnalystWhat do analysts think about RF?
DividendDoes RF pay a dividend?
CatalystWhat could change the investment case for RF?
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.