Regions Financial Corporation (RF) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of Regions Financial Corporation stock $22.90, price $29.03, that is 21.1% below the price, quality 66 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range $12.29 – $32.07 · fair‑value band $20.25 – $32.09 · the $29.03 price screens above the $22.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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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.
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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.
Stock analysis
Regions Financial Corporation (RF) currently trades at $29.03, while our model-based Fair Value estimate is $22.90, 21% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $22.90 per share, and 1 of the 6 models we run sit above the $29.03 price.
Bear case: the Asset-Based group reads lowest at $10.36, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $20.25 (bear) to $32.09 (bull), the price of $29.03 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 66/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Regions Financial Corporation reported revenue of $9.6B in FY2025 versus $6.6B in FY2021, a compound +9.8%/yr. Reported net income was $2.2B in FY2025, compounding −3.8%/yr from FY2021.
Key figures
Market cap $24.9B Large · P/E ratio 11.8 · P/S ratio 3.39 · EPS (TTM) $2.47 · Dividend yield 3.8% · Net margin 31.3% · Return on equity 12.4% · Return on assets (EBIT) 1.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −21%, RF screens cheaper than that median.
Fair Value models
Bear$20.25Fair Value $22.90Bull$32.09
Price $29.03 · Downside -21.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.17 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 2 officers or directors sold shares worth $195,784 and none bought.
SaleAnil D ChadhaChief Financial Officer0.77 shares at $29.90$23Sep 10, 2026
SaleBrian R WillmanSEVP7,014 shares at $27.91$195,761May 7, 2026
SaleWilliam D. RitterSEVP36,000 shares at $28.78$1.0MJan 22, 2026
Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+2.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.7%
Start year 2020 (pandemic). Over 10 years: +5.4% a year
Revenue growth 36 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.2%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+12.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.1%
Dividend (yield on the price)3.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.9.1% vs 11.5%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.20% → 29%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−0.6%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −2.9% a year for the forecasts.
News mood ⓘNews mood, the average tone of recent news (94 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: The bank shows strength through added specialized lending capacity for manufacturers and distributors, yet its main weak point is the absence of any clear durable moat in competitive regional banking markets.
Main risk: Digital-first fintechs such as Chime and SoFi could attract consumer deposits and checking relationships with higher yields and seamless apps, raising Regions' funding costs and pressuring net interest margins on its regional deposit base.
Bull case: Regions could leverage its planned cloud deposit platform and AI tools for efficiency to retain low-cost deposits through better digital experiences while expanding specialized commercial lending in its Southeast footprint.
Bear case: If fintech competition intensifies and regulatory costs rise, Regions might see its low-cost deposit advantage erode, forcing higher funding expenses and limiting growth in core lending and fee income across its regional markets.
Regions Bank just launched a dedicated Materials and Infrastructure Group to serve manufacturers and distributors in building products and related sectors. This adds specialized lending capacity to its regional footprint yet leaves open how much it can offset softer demand elsewhere. Will the new focus generate outsized growth or simply dilute resources across too many niches?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks
Beats the industry median on 9/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score66 · Top 25%
Fair Value upside−21.1% · Below median
Profitability
Return on equity (12 months)12.4% · Above median
Return on assets1.4% · Top 25%
Net margin (12 months)31.3% · Above median
Operating margin (12 months)41.3% · Above median
Growth and dividend
Revenue growth (quarter YoY)5.2% · Below median
Dividend yield (12 months)3.8% · Above median
Balance sheet
Debt / equity0.22× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Regions Financial Corporation (RF) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of $22.90 versus a price of $29.03, about 21% lower (overvalued).
What is the fair value of RF?
Our model-based fair value for Regions Financial Corporation is $22.90 (as of Nov 3, 2026), built from audited fundamentals. The current price: $29.03.
What is the quality score of RF?
Regions Financial Corporation has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Regions Financial Corporation (RF)?
Our model-based price target is the fair value of $22.90 (as of Nov 3, 2026) from 6 valuation models. Cautious scenario $20.25, optimistic scenario $32.09. It is a calculation from audited fundamentals, not an analyst target.
What is the Regions Financial Corporation stock forecast for 2026?
Our models put fair value at $22.90, about 21% lower versus a price of $29.03 (overvalued). Cautious scenario $20.25, optimistic scenario $32.09. The calculation is refreshed regularly with new filings.
What is the revenue of Regions Financial Corporation (RF)?
Regions Financial Corporation reported trailing-twelve-month revenue of about $7.3B (latest available figure, as of Nov 3, 2026).
Does Regions Financial Corporation pay a dividend?
Regions Financial Corporation currently shows a dividend yield of 3.77% relative to its recent price (as of Nov 3, 2026).
What growth is priced into Regions Financial Corporation (RF)?
For today's price to be fair in a discounted-cash-flow model, Regions Financial Corporation would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.7 % per year. As of Nov 3, 2026.
What discount rate (WACC) does the fair value of RF use?
Our models discount Regions Financial Corporation at 9.4 %: a base by market capitalisation (large), damped by beta 1.06, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Regions Financial Corporation that is less than minus 40 % per year a year over ten years, using the same discount rate (9.4 %) and the same formula as our fair value.
How much growth has Regions Financial Corporation (RF) delivered so far?
Over the past 5 years revenue at Regions Financial Corporation grew +7.7 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Regions Financial Corporation (RF) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Regions Financial Corporation (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Regions Financial Corporation (RF)?
The free-cash-flow yield on the price is 8.77 %: that much free cash flow Regions Financial Corporation produces per unit of market value. When it exceeds the discount rate of our models (9.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Regions Financial Corporation (RF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Regions Financial Corporation it is $22.90 per share (as of Nov 3, 2026), against a price of $29.03. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Regions Financial Corporation stock overvalued or undervalued in 2026?
As of Nov 3, 2026, RF trades above its calculated fair value: price $29.03, fair value $22.90, a gap of about −21% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of RF?
No. The price is what the market pays today ($29.03); the fair value is what the company's own numbers justify ($22.90). For Regions Financial Corporation the two are $6.13 per share apart. That gap is exactly why we show both numbers side by side.
How much is Regions Financial Corporation worth?
The market values Regions Financial Corporation at about $24.9B (market capitalisation, as of Nov 3, 2026). Per share that is $29.03; our models calculate a fair value of $22.90 per share.
What do the bullish and bearish scenarios say about RF?
Our models span a range for Regions Financial Corporation: cautious scenario $20.25, base $22.90, optimistic $32.09 per share (as of Nov 3, 2026, price $29.03). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RF?
Regions Financial Corporation trades at a price-to-earnings ratio of 11.8 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.90 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2018, FY2020, FY2023 ex one-offs: 11.0. Other multiples: PEG 1.5, P/B 1.3, P/S 3.4, EV/EBITDA 6.5.
What is the PEG ratio of RF?
The PEG ratio of Regions Financial Corporation is 1.45 (P/E divided by earnings growth, as of Nov 3, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Regions Financial Corporation (RF)?
Balance-sheet figures for Regions Financial Corporation (as of Nov 3, 2026): return on equity 12.4%, debt of 0.22 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is RF from its 52-week high?
Regions Financial Corporation trades at $29.03, about 9% below its 52-week high of $32.07 and 25% above the low of $23.16 (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of $22.90 is for.
Which stocks are comparable to Regions Financial Corporation?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Regions Financial Corporation stock attractive at the current price?
The data as of Nov 3, 2026: price $29.03, calculated fair value $22.90 (−21%), Quality Score 66/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of RF calculated?
We run Regions Financial Corporation through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $22.90, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Regions Financial Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Regions Financial Corporation (RF)?
The closing price on Nov 4, 2026 was $29.03. Our model-based fair value is $22.90, about 21% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Regions Financial Corporation right now?
Solid but not exceptional quality (66/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Regions Financial Corporation (RF) come from?
Earnings per share at Regions Financial Corporation grew +11.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +10.2 %, EBIT margin −0.5 %, tax rate +1.6 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Regions Financial Corporation
How large is the market capitalisation of Regions Financial Corporation (RF)?
The market capitalisation of Regions Financial Corporation is $24.9B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Regions Financial Corporation (RF)?
The price-to-sales ratio of Regions Financial Corporation is 3.39 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Regions Financial Corporation (RF)?
Earnings per share at Regions Financial Corporation are $2.47 (price ÷ EPS = P/E 11.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Regions Financial Corporation (RF)?
The dividend yield of Regions Financial Corporation is 3.8% (payout 44.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Regions Financial Corporation (RF)?
The net margin of Regions Financial Corporation is 31.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Regions Financial Corporation (RF)?
The return on equity (ROE) of Regions Financial Corporation is 12.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Regions Financial Corporation (RF)?
On an EBIT basis the return on assets of Regions Financial Corporation is 1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Regions Financial Corporation (RF)?
The operating margin of Regions Financial Corporation is 41.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Regions Financial Corporation (RF)?
Revenue at Regions Financial Corporation is growing +5.2% versus a year earlier (3y avg +8.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Regions Financial Corporation (RF)?
Earnings per share at Regions Financial Corporation are growing +16.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Regions Financial Corporation (RF) hold?
Regions Financial Corporation holds more cash than debt, $6.0B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 3, 2026