Upside case
Bull case
$63+143.4%
The bull case requires both strong earnings delivery and the market pricing RF-PF more generously than it does today.
Analysis OverviewNo CoverageUpdated —
Regions Financial Corporation (RF-PF) Stock Analysis
Wall Street verdict, consensus price target, and analyst rating breakdown — everything needed to frame the risk/reward at today's price.
Analyst consensus
Mixed
Covering
—
analysts
0 bullish · 0 bearish · 0 covering RF-PF
Strong Buy
0
Buy
0
Hold
0
Sell
0
Strong Sell
0
Consensus Target
—
— vs today
Scenario Range
$19 – $63
Model bear to bull value window
Coverage
—
Published analyst ratings
Valuation Context
—
Forward P/E · Market cap $22.6B
RF-PF price targets
Three scenarios for where RF-PF stock could go
Current
~$26
Confidence
42 / 100
Updated
—
Where we are now
Current · $26
Bear
$19
Base
$33
Bull
$63
Market caseClosest to today
Base case
$33+29.4%
The base case reflects analyst consensus expectations — steady delivery without requiring a major catalyst or re-rating.
Stress case
Bear case
$19-24.2%
The bear case assumes sentiment or fundamentals disappoint enough to push RF-PF down roughly 24% from the current price.
Not financial advice. Model confidence reflects internal scenario assumptions, not a guarantee of returns. Past performance does not predict future results.
Regions Financial Corporation
RF-PF · NYSEFinancial ServicesBanks - RegionalDecember year-end
Regions Financial is a regional bank holding company that provides traditional banking services to consumers and businesses across the Southeastern and Midwestern United States. It generates revenue primarily through net interest income from loans and leases (about 60% of total revenue) supplemented by fee-based services including wealth management, investment banking, and deposit-related charges. The company's competitive advantage lies in its deep regional presence—with over 1,200 branches concentrated in high-growth Sun Belt markets—and its integrated financial services model that serves customers across the consumer, corporate, and wealth management segments.
Market Cap
$22.6B
Net Income TTM
$2.2B
RF-PF Revenue and Earnings Performance
Quarterly beat-or-miss track record against analyst estimates, plus forward revenue and EPS outlook for the next two fiscal years.
EPS Beat Rate
—No data
12 quarters tracked
Revenue Beat Rate
60%Exceptional
vs consensus estimates
Avg EPS Surprise
—
above Street consensus
Beat / Miss Record
BeatMissLeft = EPS · Right = Revenue
Q4 2025
Q1 2026
Q1 2026
Q2 2026
Last 4 Quarters
EPS beats: 0 of 4Q4 2025
EPS
$0.63/—
Revenue
$2.5B/—
Q1 2026
EPS
$0.59/—
Revenue
-$127M/$1.9B
Q1 2026
EPS
$0.59/—
Revenue
-$127M/—
Q2 2026
EPS
$0.63/—
Revenue
$1.7B/$1.9B
| Quarter | EPS (Actual / Est) | EPS Surprise | Revenue (Actual / Est) | Rev Surprise |
|---|---|---|---|---|
| Q4 2025 | $0.63/— | — | $2.5B/— | — |
| Q1 2026 | $0.59/— | — | -$127M/$1.9B | -106.5% |
| Q1 2026 | $0.59/— | — | -$127M/— | — |
| Q2 2026 | $0.63/— | — | $1.7B/$1.9B | -11.3% |
FY1–FY2 Estimates
Revenue Outlook
FY1
$9.8B
+2.5% YoY
FY2
$10.1B
+2.5% YoY
EPS Outlook
FY1
$2.83
+15.3% YoY
FY2
$2.96
+4.9% YoY
Trailing FCF (TTM)$2.1B
Next Earnings
—
Expected EPS
—
Expected Revenue
—
RF-PF beat EPS estimates in 0 of 4 tracked quarters. Mixed delivery makes the upcoming report a key data point for re-rating.
RF-PF Revenue Breakdown by Segment
Product and geographic revenue mix from the latest annual disclosure, with year-over-year growth by segment.
Latest disclosure
FY 2022
Total disclosed revenue $5.0B
Product Mix
Latest annual revenue by segment or product family
Consumer Bank
52.5%
+31.2% YoY
Tap, hover, or focus a slice to inspect segment detail.
Geographic Mix
Latest annual revenue by reported region
Segment breakdown not available for this company.
Consumer Bank is the largest disclosed segment at 52.5% of FY 2022 revenue, up 31.2% YoY.
RF-PF Valuation Snapshot
Current multiples compared to the S&P 500, the company's sector, and its own five-year average.
Relative Value Signal
Undervalued
Fair value est. $33 — implies +27.4% from today's price.
Upside to Fair Value
27.4%
potential upside
Deep DiscountFair ValueVery Expensive
vs S&P 500 Trailing P/E
RF-PF
11.2x
vs
S&P 500
25.2x
56% discount
vs Financial Services Trailing P/E
RF-PF
11.2x
vs
Financial Services
13.4x
16% discount
vs RF-PF 5Y Avg P/E
Today
11.2x
vs
5Y Average
12.3x
9% discount
Forward PE
—
S&P 500
19.1x
—
Financial Services
10.5x
—
5Y Avg
—
—
Trailing PE
11.2x
S&P 500
25.2x
-56%
Financial Services
13.4x
-16%
5Y Avg
12.3x
-9%
PEG Ratio
0.65x
S&P 500
1.75x
-63%
Financial Services
1.03x
-37%
5Y Avg
—
—
EV/EBITDA
5.9x
S&P 500
15.3x
-61%
Financial Services
11.4x
-48%
5Y Avg
6.9x
-14%
Price/FCF
10.4x
S&P 500
21.3x
-51%
Financial Services
10.6x
-3%
5Y Avg
13.4x
-23%
Price/Sales
2.4x
S&P 500
3.1x
-25%
Financial Services
2.3x
+5%
5Y Avg
2.4x
-4%
Dividend Yield
4.03%
S&P 500
1.88%
+115%
Financial Services
2.68%
+50%
5Y Avg
3.89%
+4%
| Metric | RF-PF | S&P 500 | Financial Services | 5Y Avg RF-PF |
|---|---|---|---|---|
| Forward PE | — | 19.1x | 10.5x | — |
| Trailing PE | 11.2x | 25.2x-56% | 13.4x-16% | 12.3x |
| PEG Ratio | 0.65x | 1.75x-63% | 1.03x-37% | — |
| EV/EBITDA | 5.9x | 15.3x-61% | 11.4x-48% | 6.9x-14% |
| Price/FCF | 10.4x | 21.3x-51% | 10.6x | 13.4x-23% |
| Price/Sales | 2.4x | 3.1x-25% | 2.3x | 2.4x |
| Dividend Yield | 4.03% | 1.88% | 2.68% | 3.89% |
RF-PF trades above S&P 500 benchmarks on 0 of 5 measured multiples — appears modestly priced relative to the S&P 500 on most measures.
Forward P/E and PEG reflect analyst consensus estimates. Historical averages use trailing ratios where forward data is unavailable.S&P 500 and sector benchmarks both use trailing median P/E — similar readings indicate the broader index and sector are priced alike.
Open valuation toolRF-PF Financial Health
Verdict
Stressed
RF-PF generates 11.3% ROE and 1.4% return on assets — the two primary signals for banking profitability. FCF-based metrics are not applicable to financial companies.
Earnings Engine
Revenue, profitability, and return on capital
Revenue (TTM)
Trailing-twelve-month sales base
—
Revenue Growth
TTM vs prior year
—
Operating Margin
Operating income divided by revenue
—
Net Margin
Net income divided by revenue
—
EPS (TTM)
Diluted earnings per share, trailing twelve months
$2.45
ROE
Return on equity — the primary profitability signal for banks
11.3%
Capital Quality
ROIC, leverage, and debt serviceability
ROIC
Return on invested capital — primary competitive quality signal
8.5%
ROA
Return on assets, trailing twelve months
1.4%
Cash & Equivalents
Liquid assets on the balance sheet
$10.9B
Net Cash
Cash exceeds total debt — no net leverage
$6.0B
FCF Analysis
Traditional FCF and debt/FCF ratios are not meaningful for financial companies. Focus on ROE and ROA above.
ROE
Return on equity — the headline bank profitability metric
11.3%
Shareholder Returns
How capital is returned to owners
Total shareholder yield
8.8%
Dividend
4.0%
Buyback
4.7%
Share Repurchases
Trailing buyback outflow — dollar magnitude of capital returned
$1.1B
Dividend / Share
Annualized trailing dividend per share
$1.04
Payout Ratio
Share of earnings distributed as dividends
—
Shares Outstanding
Declining as buybacks retire shares
880M
All figures from the trailing twelve months. For financial companies, ROE and ROA are the primary health signals — FCF-based metrics are not applicable.
Open full ratios pageRF-PF Stock Risk Factors
Key factors that could pressure the stock price, compress the multiple, or weigh on future results.
AI analysis · updated April 29, 2026
High Risk
Sector-Specific Risks
The regional bank sector has faced tough conditions, which can negatively influence investor sentiment for companies like Regions Financial. This sector-wide challenge may lead to decreased stock performance and investor confidence.
High Risk
Valuation Concerns
The stock is trading at a Price-to-Earnings (P/E) ratio of 8.4x its 2026 EPS estimate, which is below competitors and at the lower end of its historical valuation range. This raises concerns about its competitive position and could indicate potential undervaluation or market skepticism.
Medium
Market Sentiment Risks
Recent technical analysis indicates mixed signals, with a Relative Strength Index (RSI) at 48.735 suggesting a neutral stance, while the MACD indicates a sell signal. Additionally, the consensus rating from 14 analysts is 'Hold', which reflects uncertainty in the stock's short-term outlook.
Medium
Investment Risks in Bonds
Regions Financial engages in bond investments, which are subject to risks including interest rate fluctuations, credit quality, market valuations, and liquidity. These factors can adversely affect the company's financial performance and stock value.
Lower
Short Interest Levels
Short interest is at 5.97% of outstanding shares, with a short ratio of 3.75 days to cover. While this indicates some bearish sentiment, it is relatively low and may not significantly impact the stock's performance in the near term.
These are risk mechanisms, not predictions. The key question is which would force a cut to earnings estimates or a lower multiple than the market currently prices in.
Why RF-PF Stock Could Outperform
Structural drivers behind the upside case and why the stock could outperform over the next 12 months.
AI analysis · updated April 29, 2026
Positive Technical Indicators
The stock is currently showing mostly positive signals, with both short-term and long-term Moving Averages indicating a positive forecast. A buy signal was issued from a pivot bottom on March 31, 2026, and the stock has since seen a positive movement, gaining for three consecutive days and rising over the past two weeks.
Strong Insider Confidence
Insider sentiment for Regions Financial Corporation is positive, with a significant number of insiders buying shares over the past year. Recent high-impact open-market transactions have shown substantial purchases by insiders, indicating confidence in the company's future.
Robust Company Fundamentals
Regions Financial Corporation is a well-established financial holding company with a broad range of services, including consumer and commercial banking, wealth management, and mortgage products. The company demonstrates robust earnings, a well-diversified loan book, and manageable loan loss provisions, supporting its financial stability.
Growth Potential in Sun Belt Region
The company benefits from a strong demographic tailwind in the high-growth Sun Belt region and continues to invest in digital banking infrastructure for operational efficiency and long-term growth. This strategic focus positions Regions Financial for sustained growth in a favorable market.
Attractive Preferred Stock Yield
For preferred stock investors, Series E preferred shares (RF. PR. E) offer a notable yield supported by RF's earnings power and loan book resilience. The Series F preferred stock (RF.PRF) also provides a current yield of 6.76%, appealing to income-focused investors.
A real bull case compounds — each driver matters most when it strengthens margins, supports capital returns, and keeps the company above the market's minimum growth bar simultaneously.
RF-PF Stock Price Performance
52-week range context and price returns across multiple time horizons. Dividend contribution is shown separately in the Capital Return section.
Current Price
$25.70
52W Range Position
64%
52-Week Range
Current price plotted between the 52-week low and high.
52-Week Low
$24.68
+4.1% from the low
52-Week High
$26.28
-2.2% from the high
1 Month
+2.15%
3 Month
+0.63%
YTD
+0.9%
1 Year
+2.5%
3Y CAGR
+0.9%
5Y CAGR
+0.5%
10Y CAGR
+0.3%
Range context matters because valuation compression and earnings misses rarely hit from the same starting point. A stock already far below its high can still fall, but it is no longer carrying the same embedded optimism as one pressing a fresh peak.
RF-PF vs Peers
Valuation, growth, and margin comparison against the closest publicly traded peers for this company.
Peer Set
Accurate peer set
Forward PE
—
vs 12.2x median
Peer median unavailable
Revenue Growth
+2.5%
vs -1.5% median
+270% above peer median
Net Margin
—
vs — median
Peer median unavailable
| Company | Mkt Cap | Fwd PE | Rev Grw | Margin | Rating | Upside |
|---|---|---|---|---|---|---|
RF- RF-PF Regions Financial Corporation | $22.6B | — | +2.5% | — | — | — |
CFG CFG Citizens Financial Group, Inc. | $28.3B | 12.7x | -9.7% | — | Buy | +10.4% |
HBA HBAN Huntington Bancshares Incorporated | $26.3B | 11.4x | -1.5% | — | Buy | +22.5% |
KEY KEY KeyCorp | $24.5B | 12.2x | +1.2% | — | Buy | +4.0% |
FIT FITB Fifth Third Bancorp | $34.1B | 16.5x | +2.0% | — | Buy | +11.1% |
MTB MTB M&T Bank Corporation | $33.4B | 11.7x | -8.1% | — | Hold | +9.3% |
This peer comparison reflects companies with similar business models, product lines, or market positioning, supplemented by industry grouping when direct matches are limited.
RF-PF Dividend and Capital Return
RF-PF returns 8.8% annually — 4.03% through dividends and 4.7% through buybacks.
Dividend UnknownFCF Well Covered
Total Shareholder Yield
8.8%
Dividend + buyback return per year
Buyback Yield
4.7%
Dividend Yield
4.03%
Payout Ratio
—
How RF-PF Splits Its Return
Div 4.03%
Buyback 4.7%
Dividend 4.03%Buybacks 4.7%
Dividend Profile
Yield, cadence, and growth quality
Dividend / Share
Trailing annualized cash dividend
$1.04
Growth Streak
Consecutive years of dividend increases
13Y
3Y Div CAGR
13.8%
5Y Div CAGR
10.9%
Ex-Dividend Date
—
Payment Cadence
Quarterly
4 payments over the last 12 months
Buyback Engine
How much per-share support comes from repurchases
Repurchases (TTM)
Cash used for buybacks in the latest trailing period
$1.1B
Estimated Shares Retired
42M
Approx. Share Reduction
4.7%
Shares Outstanding
Current diluted share count from the screening snapshot
880M
At 4.7%/year, buybacks mechanically lift EPS even with flat earnings — each remaining share represents a slightly larger piece of the company.
| Year | Div / Share | YoY Grw | BB Yield | Total Yield |
|---|---|---|---|---|
| 2026 | $0.43 | — | — | — |
| 2025 | $1.74 | +164.7% | 4.8% | 8.9% |
| 2024 | $0.66 | — | 3.5% | 7.2% |
FAQ
6 questionsRF-PF Investor Questions
Common questions answered from live analyst data and company financials.
01Is Regions Financial Corporation (RF-PF) stock a buy or sell in 2026?
Regions Financial Corporation (RF-PF) has limited published analyst coverage at this time. The model scenario range runs from $19 to $63 around a current price of $26. Use the scenario targets and valuation multiples on this page as a guide.
02Is Regions Financial Corporation (RF-PF) stock overvalued in 2026?
Forward earnings data for RF-PF is not currently available. Review the valuation table above for trailing P/E, EV/EBITDA, and price-to-sales comparisons against market and sector benchmarks.
03What are the main risks for Regions Financial Corporation (RF-PF) stock in 2026?
The primary risks for RF-PF in 2026 are: (1) Sector-Specific Risks — The regional bank sector has faced tough conditions, which can negatively influence investor sentiment for companies like Regions Financial. (2) Valuation Concerns — The stock is trading at a Price-to-Earnings (P/E) ratio of 8. (3) Market Sentiment Risks — Recent technical analysis indicates mixed signals, with a Relative Strength Index (RSI) at 48. Each factor has the potential to pressure earnings or compress the stock's valuation multiple.
04What is Regions Financial Corporation's revenue and earnings forecast?
Analyst consensus estimates RF-PF will report consensus revenue of $9.8B (+2.5% year-over-year) and EPS of $2.83 (+15.3% year-over-year) for the upcoming fiscal year. The following year, analysts project $10.1B in revenue.
05When does Regions Financial Corporation (RF-PF) report its next earnings?
A confirmed upcoming earnings date for RF-PF is not yet available. Check the Earnings section above for the most recent quarterly report dates and forward estimates.
06How much free cash flow does Regions Financial Corporation generate?
Regions Financial Corporation (RF-PF) generated $2.1B in free cash flow over the trailing twelve months. RF-PF returns capital to shareholders through dividends (4.0% yield) and share repurchases ($1.1B TTM).