Upside case
Bull case
$69+143.4%
RF would need investors to value it at roughly 26x earnings — about 15x more generous than today's 11x forward P/E. That requires meaningful multiple expansion on top of continued earnings growth.
Analysis OverviewHoldUpdated May 1, 2026
Regions Financial Corporation (RF) 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
Hold
Covering
52
analysts
22 bullish · 4 bearish · 52 covering RF
Strong Buy
0
Buy
22
Hold
26
Sell
4
Strong Sell
0
Consensus Target
$31
+9.1% vs today
Scenario Range
$21 – $69
Model bear to bull value window
Coverage
52
Published analyst ratings
Valuation Context
10.8x
Forward P/E · Market cap $24.5B
RF price targets
Three scenarios for where RF stock could go
Current
~$28
Confidence
53 / 100
Updated
May 1, 2026
Where we are now
Current · $28
Bear
$21
Base
$36
Bull
$69
Market caseClosest to today
Base case
$36+27.5%
At 14x on FY1 earnings, the base case reflects a reasonable but not stretched valuation. It prices in continued growth without assuming an exceptional setup.
Stress case
Bear case
$21-24.2%
If investor confidence fades or macro conditions deteriorate, a 3x multiple contraction could push RF down roughly 24% from where it trades now.
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 · NYSEFinancial ServicesBanks - RegionalDecember year-end
Regions Financial is a regional bank holding company that provides traditional banking services — including lending, deposits, and wealth management — primarily in the Southern and Midwestern United States. It generates revenue mainly through net interest income from loans (roughly 60-70% of total) and non-interest income from service charges, wealth management fees, and capital markets activities. Its competitive advantage lies in its deep regional presence and customer relationships across its 15-state footprint, which creates a stable deposit base and cross-selling opportunities.
Market Cap
$24.5B
Net Income TTM
$2.2B
RF 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
64%Exceptional
12 quarters tracked
Revenue Beat Rate
18%Exceptional
vs consensus estimates
Avg EPS Surprise
-0.4%
above Street consensus
Beat / Miss Record
BeatMissLeft = EPS · Right = Revenue
Q4 2025
Q1 2026
Q1 2026
Q2 2026
Last 4 Quarters
EPS beats: 2 of 4Q4 2025
EPS
$0.63/$0.60
Revenue
$1.9B/$1.9B
Q1 2026
EPS
$0.57/$0.61
Revenue
$1.9B/$1.9B
Q1 2026
EPS
$0.61/—
Revenue
$2.4B/—
Q2 2026
EPS
$0.62/$0.61
Revenue
$1.9B/$1.9B
| Quarter | EPS (Actual / Est) | EPS Surprise | Revenue (Actual / Est) | Rev Surprise |
|---|---|---|---|---|
| Q4 2025 | $0.63/$0.60 | +5.5% | $1.9B/$1.9B | -0.4% |
| Q1 2026 | $0.57/$0.61 | -6.7% | $1.9B/$1.9B | -0.5% |
| Q1 2026 | $0.61/— | — | $2.4B/— | — |
| Q2 2026 | $0.62/$0.61 | +1.6% | $1.9B/$1.9B | -2.2% |
FY1–FY2 Estimates
Revenue Outlook
FY1
$8.8B
-7.9% YoY
FY2
$9.3B
+5.5% YoY
EPS Outlook
FY1
$2.72
+11.0% YoY
FY2
$2.92
+7.4% YoY
Trailing FCF (TTM)$2.1B
Next Earnings
—
Expected EPS
—
Expected Revenue
—
RF beat EPS estimates in 2 of 4 tracked quarters. Mixed delivery makes the upcoming report a key data point for re-rating.
RF Revenue Breakdown by Segment
Product and geographic revenue mix from the latest annual disclosure, with year-over-year growth by segment.
Latest disclosure
FY 2023
Total disclosed revenue $5.6B
Product Mix
Latest annual revenue by segment or product family
Consumer Bank
56.0%
+18.6% 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 56.0% of FY 2023 revenue, up 18.6% YoY.
RF Valuation Snapshot
Current multiples compared to the S&P 500, the company's sector, and its own five-year average.
Relative Value Signal
Slightly Undervalued
Fair value est. $30 — implies +7.5% from today's price.
Upside to Fair Value
7.5%
potential upside
Deep DiscountFair ValueVery Expensive
vs S&P 500 Trailing P/E
RF
12.3x
vs
S&P 500
25.2x
51% discount
vs Financial Services Trailing P/E
RF
12.3x
vs
Financial Services
13.4x
8% discount
vs RF 5Y Avg P/E
Today
12.3x
vs
5Y Average
10.3x
+20% premium
Forward PE
10.8x
S&P 500
19.1x
-43%
Financial Services
10.5x
+3%
5Y Avg
—
—
Trailing PE
12.3x
S&P 500
25.2x
-51%
Financial Services
13.4x
-8%
5Y Avg
10.3x
+20%
PEG Ratio
0.71x
S&P 500
1.75x
-59%
Financial Services
1.03x
-31%
5Y Avg
—
—
EV/EBITDA
6.6x
S&P 500
15.3x
-57%
Financial Services
11.4x
-42%
5Y Avg
5.4x
+22%
Price/FCF
11.2x
S&P 500
21.3x
-47%
Financial Services
10.6x
+6%
5Y Avg
9.7x
+16%
Price/Sales
2.5x
S&P 500
3.1x
-19%
Financial Services
2.3x
+13%
5Y Avg
2.5x
+1%
Dividend Yield
3.67%
S&P 500
1.88%
+96%
Financial Services
2.68%
+37%
5Y Avg
3.69%
-0%
| Metric | RF | S&P 500 | Financial Services | 5Y Avg RF |
|---|---|---|---|---|
| Forward PE | 10.8x | 19.1x-43% | 10.5x | — |
| Trailing PE | 12.3x | 25.2x-51% | 13.4x | 10.3x+20% |
| PEG Ratio | 0.71x | 1.75x-59% | 1.03x-31% | — |
| EV/EBITDA | 6.6x | 15.3x-57% | 11.4x-42% | 5.4x+22% |
| Price/FCF | 11.2x | 21.3x-47% | 10.6x | 9.7x+16% |
| Price/Sales | 2.5x | 3.1x-19% | 2.3x+13% | 2.5x |
| Dividend Yield | 3.67% | 1.88% | 2.68% | 3.69% |
RF trades above S&P 500 benchmarks on 0 of 6 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 Financial Health
Verdict
Stressed
RF 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
8.0%
Dividend
3.7%
Buyback
4.4%
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 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
Market Dependence
RF Industries is heavily reliant on the wireless and broadband communications sectors, which are subject to external factors like economic conditions and industry consolidation. These factors can significantly impact the company's financial performance.
High Risk
Liquidity and Cash Flow
RF Industries has shown signs of financial turnaround; however, concerns remain regarding inconsistent cash flow and a tight liquidity position. The company's quick ratio has been below 1.0, indicating a reliance on inventory to meet immediate liabilities.
High Risk
Credit Quality Risks
Regions Financial maintains stable credit quality, but a downturn in the economy could lead to increased defaults and loan losses. This risk is particularly pertinent given the current economic uncertainties.
Medium
Technological Obsolescence
Rapid changes in technology pose a risk for RF Industries, as they could render some of its products obsolete. The company must continuously innovate to stay relevant in the market.
Medium
Competitive Pressures
The wireless and telecommunications markets are highly competitive, presenting ongoing challenges for RF Industries. The presence of numerous competitors can pressure pricing and market share.
Medium
Interest Rate Risk
Regions Financial is exposed to interest rate fluctuations, which can impact its net interest margin and profitability. Changes in interest rates can affect loan demand and overall financial performance.
Lower
Tariffs
Existing and potential future tariffs imposed by the U.S. and foreign nations can negatively impact RF Industries' business. Tariffs may increase costs and affect pricing strategies.
Lower
Geopolitical Volatility
Regions Financial faces risks associated with geopolitical instability, natural disasters, and pandemics, which can disrupt supply chains and impact operations. These factors can introduce unpredictability in operational execution.
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 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
Value Opportunity
RF is considered a strong value and income opportunity, especially amidst broader negative sentiment in the banking sector. Its Price-to-Earnings (P/E) ratio is seen as inexpensive compared to peers.
Dividend Growth and Share Buybacks
The company offers a significant dividend yield (around 3.70% to 4.31%) and has a history of dividend growth, with 12 consecutive years of increases. RF has also been aggressively buying back shares, which can fuel per-share metric growth and potentially lead to a higher P/E ratio.
Strong Regional Presence
RF benefits from a robust presence in the Southeastern U.S. economy, a region with favorable demographic trends that are encouraging growth.
Financial Health
The company demonstrates excellent financial health, with a conservative loan-to-deposit ratio and maintained net charge-offs that align with consensus estimates, indicating stable credit quality.
Positive Technicals and Insider Sentiment
Some technical indicators suggest a positive forecast for the stock, with volume rising along with the price. Insider sentiment is also reported as positive, with multiple insiders buying shares.
Analyst Upgrades and Positive News
Recent news of a collaboration with Worldpay to enhance business client payment services has been met with positive sentiment from market analysts, leading to price target adjustments and maintained Buy ratings from some firms.
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 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
$28.21
52W Range Position
69%
52-Week Range
Current price plotted between the 52-week low and high.
52-Week Low
$20.67
+36.5% from the low
52-Week High
$31.53
-10.5% from the high
1 Month
+5.50%
3 Month
-8.79%
YTD
+2.4%
1 Year
+36.2%
3Y CAGR
+19.8%
5Y CAGR
+4.5%
10Y CAGR
+12.0%
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 vs Peers
Valuation, growth, and margin comparison against the closest publicly traded peers for this company.
Peer Set
Accurate peer set
Forward PE
10.8x
vs 12.2x median
-12% below peer median
Revenue Growth
-7.9%
vs -1.5% median
-438% below peer median
Net Margin
—
vs — median
Peer median unavailable
| Company | Mkt Cap | Fwd PE | Rev Grw | Margin | Rating | Upside |
|---|---|---|---|---|---|---|
RF RF Regions Financial Corporation | $24.5B | 10.8x | -7.9% | — | Hold | +9.1% |
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 Dividend and Capital Return
RF returns 8.0% annually — 3.67% through dividends and 4.4% through buybacks.
Dividend UnknownFCF Well Covered
Total Shareholder Yield
8.0%
Dividend + buyback return per year
Buyback Yield
4.4%
Dividend Yield
3.67%
Payout Ratio
—
How RF Splits Its Return
Div 3.67%
Buyback 4.4%
Dividend 3.67%Buybacks 4.4%
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
11.7%
5Y Div CAGR
10.7%
Ex-Dividend Date
—
Payment Cadence
Semi-Annual
5 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
38M
Approx. Share Reduction
4.3%
Shares Outstanding
Current diluted share count from the screening snapshot
880M
At 4.3%/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 | $0.54 | — | — | — |
| 2025 | $1.03 | +5.1% | 4.5% | 8.3% |
| 2024 | $0.98 | +11.4% | 3.9% | 8.0% |
| 2023 | $0.88 | +18.9% | 1.4% | 5.7% |
| 2022 | $0.74 | +13.8% | 1.1% | 4.4% |
FAQ
7 questionsRF Investor Questions
Common questions answered from live analyst data and company financials.
01Is Regions Financial Corporation (RF) stock a buy or sell in 2026?
Regions Financial Corporation (RF) is rated Hold by Wall Street analysts as of 2026. Of 52 analysts covering the stock, 22 rate it Buy or Strong Buy, 26 rate it Hold, and 4 rate it Sell or Strong Sell. The consensus 12-month price target is $31, implying +9.1% from the current price of $28. The bear case scenario is $21 and the bull case is $69.
02What is the RF stock price target for 2026?
The Wall Street consensus price target for RF is $31 based on 52 analyst estimates. The high-end target is $32 (+13.4% from today), and the low-end target is $30 (+6.3%). The base case model target is $36.
03Is Regions Financial Corporation (RF) stock overvalued in 2026?
RF trades at 10.8x times forward earnings. The stock currently trades at a discount to the broader market. Based on current multiples versus the peer group, the relative model signals slightly undervalued. Whether the stock is over or undervalued ultimately depends on whether consensus earnings estimates are achievable.
04What are the main risks for Regions Financial Corporation (RF) stock in 2026?
The primary risks for RF in 2026 are: (1) Market Dependence — RF Industries is heavily reliant on the wireless and broadband communications sectors, which are subject to external factors like economic conditions and industry consolidation. (2) Liquidity and Cash Flow — RF Industries has shown signs of financial turnaround; however, concerns remain regarding inconsistent cash flow and a tight liquidity position. (3) Credit Quality Risks — Regions Financial maintains stable credit quality, but a downturn in the economy could lead to increased defaults and loan losses. Each factor has the potential to pressure earnings or compress the stock's valuation multiple.
05What is Regions Financial Corporation's revenue and earnings forecast?
Analyst consensus estimates RF will report consensus revenue of $8.8B (-7.9% year-over-year) and EPS of $2.72 (+11.0% year-over-year) for the upcoming fiscal year. The following year, analysts project $9.3B in revenue.
06When does Regions Financial Corporation (RF) report its next earnings?
A confirmed upcoming earnings date for RF is not yet available. Check the Earnings section above for the most recent quarterly report dates and forward estimates.
07How much free cash flow does Regions Financial Corporation generate?
Regions Financial Corporation (RF) generated $2.1B in free cash flow over the trailing twelve months. RF returns capital to shareholders through dividends (3.7% yield) and share repurchases ($1.1B TTM).