Regions Financial Stock Analysis
| RF Stock | USD 27.63 -0.32 -1.14% |
At the current market price of $27.63, RF trades below the analyst target price of $30.69. The framework below evaluates RF by comparing modeled intrinsic value to current market pricing. RF carries leverage that is elevated relative to financials peers, which amplifies both the upside from margin expansion and the downside from earnings pressure.
RF carries $4.88 billion in total debt with a debt-to-equity ratio of 6.48 relative to financials peers — debt reduction depends on sustained free cash flow generation, particularly given the impact of non-cash charges on reported earnings. Regions Financial's interest coverage ratio provides a more immediate signal of debt service capacity than the leverage ratio alone. Rising interest expense relative to EBITDA signals that debt service is consuming a growing share of cash flow. Asset vs Debt
Equity vs Debt
Price Book 1.38 | Price Sales 3.28 | Shares Float 850.11 million | Dividend Share 0.78 | Wall Street Target Price 30.69 |
Regions Financial reported $9.6 billion in Total Revenue, $2.2 billion in Net Income, and $2.9 billion in Operating Income.
Regions |
Stock Analysis Notes
About 90.0% of RF shares are owned by institutional investors. RF has price-to-book ratio of 1.38. A Price to Book (P/B) above 1.0 indicates the market assigns a premium to the equity, often reflecting expected growth or intangible value. Regions Financial has Price/Earnings To Growth (PEG) ratio of 1.64. RF had its last dividend issued on the 1st of June 2026. The firm completed a 1.234-for-1 stock split on 1st of July 2004. Regions Financial reported $0.05 in Intangibles To Total Assets, $159.6 billion in Total Assets, and a Return On Assets of 1.0%.Gross Profit | $4 billion |
Investor Insights and Alerts
| Regions Financial generated a negative expected return over the last 90 days | |
| On 1st of April 2026 Regions Financial paid $ 0.265 per share dividend to its current shareholders | |
| Latest headline from finance.yahoo.com: Regions Financial to Participate in Morgan Stanley U.S. Financials Conference |
Largest EPS Surprises
EPS surprise history helps explain abrupt moves in Regions Financial's price behavior. A negative gap to consensus tends to pressure valuation, while a positive gap can support re-rating. For this stock, read EPS surprises with profitability quality and forward revisions.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2016-01-15 | 2015-12-31 | 0.2 | 0.22 | 0.02 | 10 | ||
2014-01-21 | 2013-12-31 | 0.2 | 0.22 | 0.02 | 10 | ||
2012-10-23 | 2012-09-30 | 0.2 | 0.22 | 0.02 | 10 |
Environmental, Social, and Governance (ESG) Scores
Reviewing Regions Financial's ESG trend shows whether governance quality and stakeholder risk are improving or declining. ESG history tests whether the company is truly improving governance or just managing disclosure optics.
Thematic Classifications
A thematic view of Regions Financial is valuable because it lets investors test the idea inside a broader opportunity set instead of judging the security in isolation. The practical benefit is that this enables optimization around a trend, not just around one name that may or may not remain the best expression of that trend.
 | FinTechA collection of large financial service, investment, and banking companies |
Top Institutional Investors Holding Regions Stock
At large-cap scale, institutional coverage and secondary-market liquidity are typically well established. At Regions Financial's scale, fund flows and index rebalancing drive most of the daily volume. The business currently sits in the Financial Services sector and the Banks - Regional industry. Watching turnover and volume trends alongside ownership data adds depth to the picture.
| Shares | Norges Bank | 2025-12-31 | 9.4 M | Lsv Asset Management | 2025-12-31 | 9.3 M | The Goldman Sachs Group Inc | 2025-12-31 | 9 M | Allspring Global Investments Holdings, Llc | 2025-12-31 | 9 M | Northern Trust Corp | 2025-12-31 | 8.6 M | First Trust Advisors L.p. | 2025-12-31 | 7.6 M | Massachusetts Financial Services Company | 2025-12-31 | 7.3 M | Royal Bank Of Canada | 2025-12-31 | 6.6 M | Bank Of New York Mellon Corp | 2025-12-31 | 6.5 M | Vanguard Group Inc | 2025-12-31 | 106.1 M | Blackrock Inc | 2025-12-31 | 82.4 M |
Market Capitalization
At roughly $23.58 billion, Regions Financial belongs to the large-cap segment of regional banks. Associated fundamentals relevant to market cap include a workforce of about 19,910 people, about 853.38 million shares outstanding, and enterprise value near $20.22 billion.Profitability
A profitability review of Regions Financial connects sales quality and cost control with the ability to produce steady returns across market cycles. The key question is whether current profitability is lasting, cyclical, or boosted by items that may not repeat. RF has Net Profit Margin (PM) of 31.0%. Likewise, it shows Net Operating Margin (NOM) of 40.0%.| Last Reported | End Of Year Estimate | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.1 | 0.09 | |
| Return On Assets | 1.00% | 1.00% | |
| Return On Equity | 11.00% | 10.00% |
Management Efficiency
RF has Return on Asset (ROA) of 1.39% consistent with positive capital allocation. This is behind the sector on this metric. Regions Financial also reports a return on total equity (ROE) of 11.9%, consistent with positive capital stewardship.| Last Reported | End Of Year Estimate | ||
| Book Value Per Share | 21.83 | 13 | |
| Tangible Book Value Per Share | 15.12 | 12.73 | |
| Price Book Value Ratio | 1.25x | 1.26x | |
| Enterprise Value Multiple | 6.31x | 6.62x | |
| Price Fair Value | 1.25x | 1.26x | |
| Enterprise Value | $964.87 million | $857.66 million |
Management quality at Regions Financial matters because strategic decisions eventually show up in margins, cash conversion, capital allocation, and the market's willingness to assign a premium multiple. The strongest reading comes from linking leadership decisions to return metrics, balance-sheet quality, and the durability of the business model.
Operating Margin | Long Term Debt Total | Three Month Return -10.18 | Short Long Term Debt Total | Ten Year Return 205.3 |
Technical Drivers
Market data as of the 10th of May shows Regions Financial priced at 27.63 per share. Measured indicators report Risk Adjusted Performance of -0.07, coefficient of variation of -1,351, and Variance of 2.61. The model examines historical data series to identify measurable trend characteristics. Technical levels are measured against peer distributions.Price Movement Analysis - Bollinger Bands
This analysis covers twenty-five data points across the selected time horizon. The Kaufman Adaptive Moving Average adjusts its smoothing factor based on Regions Financial price efficiency — moving quickly when the trend is strong and slowing when price action is noisy. This adaptive behavior reduces whipsaws during ranging periods while remaining responsive during directional moves.
Insider Trading Activities
Insider disclosures for Regions Financial show how people closest to the business are behaving as market expectations change. The pattern is informative when compared with earnings releases and guidance changes rather than treated alone.
Outstanding Bonds
Regions Financial may use bonds as part of its capital structure to fund operations, refinance liabilities, or support acquisitions and other long-duration investments. Longer-dated obligations can improve financing stability, but they also leave investors more exposed if the underlying business weakens before the debt matures.
| US75913MAA71 Corp BondUS75913MAA71 | View | |
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| REGIONS FINL P Corp BondUS7591EPAE09 | View | |
| RF 18 12 AUG 28 Corp BondUS7591EPAT77 | View | |
| Morgan Stanley Jul Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
Predictive Daily Indicators
For active positions in Regions Financial, intraday data shows when a move is gaining strength and when it is fading. For most traders, the benefit is faster feedback on momentum, which sharpens both entries and exits.
Corporate Filings
F4 | 8th of May 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | |
10Q | 7th of May 2026 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | |
| 5th of May 2026 Other Reports | ||
13A | 30th of April 2026 The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934 | |
F3 | 22nd of April 2026 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | |
8K | 17th of April 2026 Report filed with the SEC to announce major events that shareholders should know about | |
F4 | 16th of April 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | |
F4 | 7th of April 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities |
Forecast Models
Forecast models for Regions Financial use past prices and returns to estimate how the stock may behave under similar conditions. They work best when compared with volatility and catalyst risk rather than treated as a single price target.Financial Strength and Earnings Quality Indicators
Regions Financial financial ratings play a critical role in determining how much Regions Financial has to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Regions Financial's borrowing costs.| Piotroski F Score | 5 | Healthy | View |
| Beneish M Score | -2.55 | Unlikely Manipulator | View |
Debt to Cash Allocation
Tracking debt and cash allocation over time can show when Regions Financial is prioritizing expansion, refinancing, or capital return.
Total debt stands at approximately $4.88 billion with total debt to equity ratio (D/E) of 6.48. That said, strategic use of leverage may enable Regions to fund expansion initiatives, though the impact on returns depends on execution and market conditions. Common Stock Shares Outstanding Over Time
Assets Financed by Debt
Debt finances 2.91% of RF's total assets — a relatively low share of the asset base, though leverage can still appear elevated relative to peers when measured against equity rather than total assets.Regions Financial Debt Ratio | 2.91 |
Corporate Bonds Issued
Bond maturity for Regions Financial is a core risk dimension. Longer duration can offer higher yield, but price sensitivity and credit uncertainty also increase.
Regions Short Long Term Debt Total
Short Long Term Debt Total | $9.02 billion |
Stock Analysis Methodology
As a large-cap equity, Regions Financial is scored on valuation, solvency, and operating efficiency. Regions Financial operates in Regional Banks within Banks - Regional in Financial Services. Financial distress probability is estimated at 6%, indicating low near-term solvency risk. Regions Financial trades at P/E of 15.04, P/B of 1.38.
Regions Financial figures are aggregated from periodic company reporting and market reference feeds and normalized across reporting formats. Professional analyst research is incorporated when coverage is available.
Editorial review and methodology oversight provided by: Gabriel Shpitalnik, Member of Macroaxis Editorial Board
Current Regions Analyst Rating Consensus
| Target Price | Consensus | # of Analysts | |
| 30.69 | Buy | 24 | Odds |
The analyst consensus for Regions Financial is compiled from recommendations across research providers. Historical recommendation trends for Regions Financial add context to the current consensus. Wall Street analysts covering Regions Financial typically update price targets and ratings quarterly. A rising consensus or cluster of upgrades for Regions often signals improving fundamental momentum.
Regions Stock Analysis Indicators
Diagnostics snapshot includes 18 indicators such as Begin Period Cash Flow, Long Term Debt, Common Stock Shares Outstanding.
| Begin Period Cash Flow | 10.71 billion | |
| Long Term Debt | 4.13 billion | |
| Common Stock Shares Outstanding | 880 million | |
| Total Stockholder Equity | 19.04 billion | |
| Total Cashflows From Investing Activities | -1.42 billion | |
| Tax Provision | 587 million | |
| Quarterly Earnings Growth Y O Y | 0.216 | |
| Property Plant And Equipment Net | 1.66 billion | |
| Cash And Short Term Investments | 38.47 billion | |
| Cash | 10.91 billion | |
| Net Debt | -6.02 billion | |
| 50 Day M A | 27.0492 | |
| Total Current Liabilities | 131.88 billion | |
| Other Operating Expenses | 6.87 billion | |
| Non Current Assets Total | 107.22 billion | |
| Forward Price Earnings | 10.846 | |
| Non Currrent Assets Other | 94.08 billion | |
| Stock Based Compensation | 27 million |