RF
Regions Financial Corporation
$28.75
▲ 0.5%Updated Today 6:01 PM ET
▲ Up 30.3% over the last 12 months
Market Cap
$24.42B
P/E
10.96x
Forward P/E (est.)
9.6x
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
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 $28.75, above its 50-day average ($27.95) and 200-day average ($27.03). 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 57 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 $0.73 (~2.5% 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 $26.71 (support) and sellers near $29.59 (resistance); its 52-week range is $21.40–$31.53. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.0× 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.
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 $24.42B.
In its latest reported year it generated about $104.00M in revenue and $2.52B in net profit.
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.
4Y CAGR
14.7%
Revenue moved from $60.00M in 2017 to $104.00M in 2021, a 14.7% compound annual growth rate. The most recent year grew a strong 45.4% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
44.2%
Net Margin
2424.0%
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
-529.78x
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
$3.03B
Free Cash Flow
$3.03B
FCF Margin
2913.5%
In the latest year Regions Financial Corporation produced about $3.03B of operating cash flow and $3.03B 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.
P/E
10.96x
P/S
2.07x
P/B
1.23x
EV / EBITDA
2.76x
RF trades at 11.0x trailing earnings (about 9.6x on estimated forward earnings), 2.1x sales, and 1.2x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. 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 (76 S&P 500 companies), RF ranks #2 of 76 by our overall rating. It trades at a discount versus the sector on earnings (11x P/E vs. 15.2x median) with a lower return on equity (11.8% vs. 15.3%) and faster revenue growth (45.4% vs. 9.1%).
P/E vs sector
11x
median 15.2x
ROE vs sector
11.8%
median 15.3%
Growth vs sector
45.4%
median 9.1%
Sector rank
#2
of 76 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 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$2.73 – $4.30
vs. $28.75 today · expected CAGR -38% – -32%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $150.80M | $218.66M | $317.06M | $459.73M | $666.61M |
| Net income | $75.40M | $109.33M | $158.53M | $229.87M | $333.31M |
| EPS | $0.09 | $0.13 | $0.19 | $0.27 | $0.39 |
| Share price (low) | $0.62 | $0.90 | $1.30 | $1.89 | $2.73 |
| Share price (high) | $0.97 | $1.41 | $2.04 | $2.96 | $4.30 |
| CAGR (low–high) | -98% / -97% | -82% / -78% | -64% / -59% | -49% / -43% | -38% / -32% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
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 11.0x earnings, which our model scores Strong (84/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
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.