RF
Regions Financial Corporation
$31.54
▲ 0.5%Updated Aug 7, 11:30 AM ET
RF at a glance — five pillars scored 0–100 from real filed financials.
Overall: Strong · 84/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 30.3% over the last 12 months
Market Cap
$25.84B
P/E
12.08x
Forward P/E (est.)
10.58x
ROE
11.8%
Revenue Growth
45.4%
EPS Growth
14.1%
Profit Margin
30.5%
FCF Yield
9.2%
Debt / Equity
0.26x
ROIC
0.0%
Interest Coverage
0.03x
Current Ratio
—
Dividend Yield
3.7%
Implied Growth (rev. DCF)
—
Rating Score
84/100
Regions Financial Corporation (RF) is a large-cap company in the Regional Banks industry, part of the Financials sector of the S&P 500, with a market value around $25.84B.
Our model rates RF Strong (84/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (6 years of history).
The filed history looks like a business competitors struggle to attack: high and steady margins, revenue that grows through cycles, and strong returns on capital.
grew in 5 of the last 5 year-over-year periods
positive in 10 of 10 years
0.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what RF's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. RF trades near $31.54, above its 50-day average ($28.32) and 200-day average ($27.17). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 65 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. RF's is $0.64 (~2.0% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month RF found buyers near $27.53 (support) and sellers near $31.04 (resistance); its 52-week range is $22.70–$31.53. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.7× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Gross Margin
—
Operating Margin
38.7%
Net Margin
30.5%
ROE
11.8%
Regions Financial Corporation keeps about 30.5% of each sales dollar as net profit. Return on equity is 11.8% and return on invested capital about 0.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$3.14B
Net Debt
-$24.37B
Net cash position
Net Debt / EBITDA
-459.81x
Debt / Equity
0.26x
Leverage: debt-to-equity is 0.3x, and operating profit covers interest about 0.0x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $3.14B of total debt against $27.51B of cash.
Operating CF
$2.18B
Free Cash Flow
$2.18B
FCF Margin
—
In the latest year Regions Financial Corporation produced about $2.18B of operating cash flow and $2.18B of free cash flow after capital spending. That is a free-cash-flow yield of about 9.2% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
3.7%
Per share (latest FY)
$1.03
Total paid (latest FY)
$912.00M
History on record
10 years
dividend uses 42% of free cash flow
42% of net income paid out
total dividends increased 9 years in a row
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
12.08x
P/S
2.07x
P/B
1.36x
EV / EBITDA
—
RF trades at 12.1x trailing earnings (about 10.6x on estimated forward earnings), 2.1x sales, and 1.4x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where RF sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How RF stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), RF ranks #6 of 289 by our overall rating. It trades at a discount versus the sector on earnings (12.1x P/E vs. 15.8x median) with a lower return on equity (11.8% vs. 13.6%) and faster revenue growth (45.4% vs. 15.9%).
P/E vs sector
12.1x
median 15.8x
ROE vs sector
11.8%
median 13.6%
Growth vs sector
45.4%
median 15.9%
Sector rank
#6
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
The case for RF:
- Revenue is growing 45.4% a year, a sign of real demand.
- High net margins (30.5%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~9.2%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.3x) lowers risk.
- Pays a 3.7% dividend on top of any price gains.
- Our model's overall read is Strong (84/100).
The case against RF:
- Interest coverage is thin (0.0x), so debt costs bite.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Regions Financial Corporation is a large-cap financials business still growing nicely, with solid profitability, and a sound balance sheet. It trades at 12.1x earnings, which our model scores Strong (84/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 30 Wall Street analysts covering RF recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-3 pts of buy ratings).
Latest SEC Filings
RF's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
RF — frequently asked questions
Is RF a good stock to buy?
We don't give buy or sell advice. Our model rates Regions Financial Corporation Strong (84/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is RF's rating on The Stocks School?
Regions Financial Corporation currently scores 84/100 (Strong) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does RF's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Regions Financial Corporation's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for RF calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this RF analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell RF. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.