Stock Analysis
Regions Financial Corp.RF
P/E 10.48×· 5Y range 5.56–14.43×· 59th percentile of history
Sector: Financial Services · Industry: National Commercial Banks
AnalystsHold30 analystsP/E 10.5× sits at the 59th percentile of its 5.086926762491444-year history.
Cash covers 37% of debt · Q2 2026.
PMP Verdict
Weak fundamentals
Strengths
- Quality67
- Profitability62
Risks
- Growth17
- Financial Health33
Weak fundamentals — valuation is the only support.
Bull Case
- ✓Piotroski F-Score 7/9 — high earnings quality
What's happening with RF
Profile
growth, moat and financial health lag behind.
How is each axis scored?
- Valuation52/100 · Moderate
- P/E vs own history (59th pct)12/25
- FCF yield (n/a)10/25
- P/S (2.4x)20/25
- EV/EBIT (n/a)10/25
- Growth17/100 · Weak
- Revenue CAGR (9.8%)12/25
- Net income CAGR (-3.8%)0/25
- EPS CAGR 5Y (-2.1%)0/25
- Fwd implied growth (2.5%)5/25
- Profitability62/100 · Moderate
- ROIC (n/a)0/25
- ROE (11.8%)12/25
- Net margin (23.3%)25/25
- Operating margin (38.7%)25/25
- Financial Health33/100 · Weak
- Altman Z (0.12)3/25
- Current ratio (n/a)0/25
- Interest coverage (3.6x)10/25
- Net cash / debt (D/A 4%)20/25
- Quality67/100 · Moderate
- Piotroski F (7/9)22/25
- Beneish M (-2.37)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 3.0%)25/25
- Moat25/100 · Weak
- ROIC >12% years (0/5 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 16.4%)25/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
About Regions Financial Corp.
Regions Financial is one of the midsized regional banks in the US, with around $160 billion in total assets as of the end of first quarter of 2026. Show more
Headquartered in Birmingham, Alabama, Regions Financial has a footprint mostly in the US Southeast. The bank provides a diversified set of financial services in retail banking, commercial banking, card and treasury management, wealth management, and capital markets.
Headquarters: BIRMINGHAM, AL · Employees: 19,969 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
52CP/E (TTM)10.5xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 5.6x–14.4x · 59th pct
P/FCF12.0xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield8.4%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)2.45xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.5x–3.7x · 50th pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral — vs own 5Y history: 21.8x–22.3x · 90th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.2xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.24xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.06B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield4.36%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio44.8%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
62BROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE11.8%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.4%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin23.3%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
17ERevenue CAGR9.8%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-3.8%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-2.1%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth2.5%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-11.9%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
33DAltman Z-Score0.12D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage3.6xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.50xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.37xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
67BPiotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.37A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability3.0%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Chadha Anil D Filed | Chadha Anil D | SellOpen market sale | -1 | |
VINES TIMOTHY Filed | VINES TIMOTHY | Grant / award | +993 | |
Hill J Thomas Filed | Hill J Thomas | Grant / award | +1.1K | |
Crosswhite Mark A. Filed | Crosswhite Mark A. | Grant / award | +993 | |
MARSHALL RUTH ANN Filed | MARSHALL RUTH ANN | Grant / award | +1.7K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
STYSLINGER LEE J III Filed | STYSLINGER LEE J III | Grant / award | +993 | |
Santone Angela R. Filed | Santone Angela R. | Option exercise | -28411 | |
Santone Angela R. Filed | Santone Angela R. | Tax withholding | -10286 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
25EROIC >12% Years0/5 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor16.4%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$2.62
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$1.66
Cash & short-term investments per share (Finnhub)
Book Value / Share$22.09
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$9.48B
Total debt obligations (short + long term)
Cash & Equiv.$3.53B
Cash and short-term investments
Net Debt$5.96B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$18.91B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$23.42B
Current Market Capitalization
Beta1.05B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Regions Financial Corp. (RF)
RF is up 0.51% at the last close. Regions Financial Corp. meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 0.12 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.37 suggests a low likelihood of earnings manipulation.
- The stock currently yields 4.4% in dividends.
See how RF ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 16, 2026 | TBD | $0.68 | — | — | $2.0B | — |
Recent Market Moves
See all RF moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 27.39 | +1.84% | 2.07 |
| Oct 15 | After-hours | 27.85 | +3.57% | 3.72 |
Frequently Asked Questions about RF
What is the current Regions Financial Corp. (RF) stock price?
RF is trading at $27.45 at the last market close, up 0.51% on the session. PreMarketPrice tracks RF pre-market, intraday and after-hours prices.
Is RF stock a buy right now?
PreMarketPrice's quantitative model rates Regions Financial Corp.'s financial health at 33/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is RF stock overvalued?
Regions Financial Corp. trades at a trailing P/E of 10.5 and our valuation score rates it 52/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Regions Financial Corp. report earnings?
No confirmed earnings date is currently scheduled for RF. The Earnings section lists recent reports and updates as dates are announced.
What sector does Regions Financial Corp. operate in?
Regions Financial Corp. operates in the Financial Services sector, within the National Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Regions Financial Corp. do?
Regions Financial is one of the midsized regional banks in the US, with around $160 billion in total assets as of the end of first quarter of 2026.
About Regions Financial Corp. (RF) Stock
Regions Financial Corp. (RF) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry. As of the latest update, Regions Financial Corp. is trading at $27.45, up 0.51% on the day with a market capitalization of $23.4 billion. The financial health score for RF is 33/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for RF stock.
RF Stock Analysis & Key Metrics
On PreMarketPrice, you can track Regions Financial Corp. (RF) across multiple dimensions:
- Pre-market price & movement: Real-time RF stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for RF, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for RF with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Regions Financial Corp. across multiple reporting periods.
- Financial health score: A composite score of 33/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for RF.
- Sector peers: Compare RF against 6 other financial services stocks on key financial metrics.
Is RF a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Regions Financial Corp. (RF) as an investment. The financial health score of 33/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Regions Financial Corp. (RF) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.