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RF

NEUTRAL
$28.19 Live
Regions Financial Corporation · NYSE
Target $30.69 (+8.9%)
$20.55 52W Range $31.53
Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 02, 2026
Market cap
$24.08B
P/E
11.7
ROE
11.9%
Profit margin
31.0%
Debt/Equity
N/A
Dividend yield
3.76%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
Regions Financial (RF) presents a stark contrast between valuation and fundamental health, characterized by a weak Piotroski F-Score of 2/9 and a missing Altman Z-Score. While the stock is objectively undervalued relative to its Graham Number ($33.25) and Intrinsic Value ($71.09), the low F-Score indicates significant deterioration in financial health. Strong earnings growth (21.6% YoY) and a sustainable dividend provide a bullish counter-narrative, but bearish insider sentiment and a 0/100 technical trend suggest caution.

Key Strengths

Significant undervaluation relative to Graham Number ($33.25) and Intrinsic Value ($71.09)
Strong earnings growth with 21.6% YoY increase
Sustainable dividend profile with a 43.36% payout ratio
Healthy profitability metrics including an 11.89% ROE and 31% profit margin
Consistent track record of earnings beats over the last several years

Key Risks

Critical fundamental health weakness indicated by a Piotroski F-Score of 2/9
Bearish technical trend (0/100) suggesting strong downward price momentum
Negative insider sentiment with net selling activity
Exposure to regional banking sector volatility and interest rate risks
PEG ratio of 1.66 suggests growth is not being captured cheaply
AI Fair Value Estimate
Based on comprehensive analysis
$32.5
+15.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
60
Strong
Value
85
Future
70
Past
65
Health
20
Dividend
60
AI Verdict
Value Trap Risk
Key drivers: Low Piotroski F-Score, Strong Earnings Growth, Deep Valuation Discount, Bearish Technicals
Confidence
80%
Value
85/100

Ref P/E, PEG, Graham Number

Positives
  • Trading below Graham Number
  • Low Forward P/E of 9.86
  • Price/Book of 1.38 is reasonable
Watchpoints
  • PEG ratio slightly elevated
Future
70/100

Ref Growth rates

Positives
  • 21.6% YoY Earnings Growth
  • 14.1% Q/Q Earnings Growth
Watchpoints
  • Revenue growth (7.3%) lags behind earnings growth
Past
65/100

Ref Historical trends

Positives
  • Strong 1Y price change of +43.3%
  • Consistent earnings surprise history
Watchpoints
  • Historical volatility in quarterly EPS
Health
20/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Positive ROA
Watchpoints
  • Piotroski F-Score of 2/9 indicates weak financial health
Dividend
60/100

Ref Yield, Payout

Positives
  • Sustainable payout ratio (43.36%)
  • Decent yield of 3.76%
Watchpoints
  • Dividend strength score is only 50/100

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$28.19
Analyst Target
$30.69
Upside/Downside
+8.9%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for RF and closest competitors.

Updated 2026-05-01
RF
Regions Financial Corporation
Primary
5Y
+58.3%
3Y
+94.0%
1Y
+43.3%
6M
+18.8%
1M
+7.0%
1W
+1.6%
KEY
KeyCorp
Peer
5Y
+26.7%
3Y
+130.1%
1Y
+54.4%
6M
+27.5%
1M
+13.2%
1W
-0.6%
TW
Tradeweb Markets Inc.
Peer
5Y
+42.0%
3Y
+61.5%
1Y
-17.4%
6M
+4.2%
1M
-3.9%
1W
-1.9%
CRC
Circle Internet Group
Peer
5Y
+19.7%
3Y
+19.7%
1Y
+19.7%
6M
-29.8%
1M
-4.0%
1W
-5.9%
SOF
SoFi Technologies, Inc.
Peer
5Y
+5.3%
3Y
+194.7%
1Y
+39.1%
6M
-42.0%
1M
+21.2%
1W
-2.5%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
11.7
Forward P/E
9.86
PEG Ratio
1.66
P/B Ratio
1.38
P/S Ratio
3.36
EV/Revenue
2.88
EV/EBITDA
N/A
Market Cap
$24.08B

Profitability

Profit margins and return metrics

Profit Margin 31.0%
Operating Margin 40.07%
Gross Margin N/A
ROE 11.89%
ROA 1.39%

Growth

Revenue and earnings growth rates

Revenue Growth +7.3%
Earnings Growth +21.6%
Q/Q Revenue Growth +5.84%
Q/Q Earnings Growth +14.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$13.05

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-17
$N/A
2026-04-17
$0.62
+4.4% surprise
2026-01-16
$0.57
-6.8% surprise
2025-10-17
$0.63
+5.8% surprise

Financial Services Sector Comparison

Comparing RF against 1034 companies in the Financial Services sector (162 bullish, 450 neutral, 422 bearish)
P/E Ratio
11.7
This Stock
vs
35.38
Sector Avg
-66.9% (Discount)
Return on Equity (ROE)
11.89%
This Stock
vs
0.74%
Sector Avg
+1510.9% (Excellent)
Profit Margin
31.0%
This Stock
vs
85.98%
Sector Avg
-63.9% (Weaker)
Revenue Growth
7.3%
This Stock
vs
32.8%
Sector Avg
-77.7% (Slower)

Similar Companies

Peer comparison within the same industry

RF Regions...
NEUTRAL
Mkt Cap
$24.1B
P/E
11.7
ROE
11.9%
Price
$28.19
KEY KeyCorp
NEUTRAL
Mkt Cap
$23.9B
P/E
13.5
ROE
10.0%
Price
$21.96
 Compare with RF
TW Tradeweb Markets Inc.
NEUTRAL
Mkt Cap
$24.5B
P/E
29.7
ROE
13.6%
Price
$112.36
 Compare with RF
CRCL Circle Internet Group
BEARISH
Mkt Cap
$24.6B
P/E
-
ROE
-2.8%
Price
$99.66
 Compare with RF
SOFI SoFi Technologies, Inc.
BEARISH
Mkt Cap
$23.4B
P/E
47.1
ROE
5.7%
Price
$18.36
 Compare with RF

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

DANELLA KATHERINE R
Officer
Stock Award
2026-04-02
11,320 shares
DANELLA KATHERINE R
Officer
Stock Award
2026-04-02
19,919 shares
PLIMPTON TARA ANN
Officer
Stock Award
2026-04-02
11,320 shares
PLIMPTON TARA ANN
Officer
Stock Award
2026-04-02
19,919 shares
ALLEN KARIN K
Officer
Stock Award
2026-04-02
1,132 shares
ALLEN KARIN K
Officer
Stock Award
2026-04-02
1,992 shares
MASSEY CHARLES DANDRIDGE
Officer
Stock Award
2026-04-02
13,584 shares
MASSEY CHARLES DANDRIDGE
Officer
Stock Award
2026-04-02
23,902 shares
WILLMAN BRIAN R
Officer
Stock Award
2026-04-02
4,528 shares
WILLMAN BRIAN R
Officer
Stock Award
2026-04-02
7,967 shares
KEENAN DAVID R
Officer
Stock Award
2026-04-02
13,584 shares
KEENAN DAVID R
Officer
Stock Award
2026-04-02
23,902 shares
TURNER JOHN M JR
Chief Executive Officer
Stock Award
2026-04-02
63,393 shares
TURNER JOHN M JR
Chief Executive Officer
Stock Award
2026-04-02
111,545 shares
RITTER WILLIAM D
Officer
Stock Award
2026-04-02
7,924 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-17

RF likely filed this 8-K to announce its first quarter financial results for 2026.

DEF 14A
DEF 14A
2026-03-23

RF filed a definitive proxy statement (DEF 14A) on March 23, 2026, providing shareholders with necessary information to vote on matters at the upcoming annual meeting.

10-K
10-K
2026-02-24

RF filed its annual 10-K on February 24, 2026, providing a comprehensive overview of its business operations and financial condition. The filing includes detailed sections on risk factors and management's discussion and analysis of results.

8-K/A
8-K/A
2026-02-09

RF filed an amendment to a previously submitted Current Report on February 9, 2026.

8-K
8-K
2026-02-09

Truist Financial Corporation (RF) filed an 8-K on February 9, 2026, likely to announce its financial results for the preceding period.

8-K
8-K
2026-02-04

Truist Financial Corporation (RF) likely reported its fourth-quarter and full-year financial results.

8-K
8-K
2026-01-16

Truist Financial Corporation (RF) filed a current report on January 16, 2026, likely to announce its quarterly financial results.

8-K
8-K
2026-01-12
8-K
8-K
2025-11-05

Truist Financial Corporation (RF) filed an 8-K on November 5, 2025, likely to announce its third-quarter financial results.

10-Q
10-Q
2025-11-04

RF submitted its quarterly 10-Q filing on November 4, 2025. While the provided excerpt identifies the existence of risk factors under Item 1A, specific financial performance metrics and detailed risk disclosures are unavailable in the current text.

8-K
8-K
2025-10-17
8-K
8-K
2025-08-19
10-Q
10-Q
2025-08-05
8-K
8-K
2025-07-18
8-K
8-K
2025-06-17
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
HOLD
20 analysts
DA Davidson
2026-04-20
Maintains
Buy Buy
RBC Capital
2026-04-20
Maintains
Outperform Outperform
JP Morgan
2026-04-07
Maintains
Neutral Neutral
Morgan Stanley
2026-03-31
Maintains
Equal-Weight Equal-Weight
Piper Sandler
2026-03-30
Maintains
Neutral Neutral
Truist Securities
2026-03-23
Maintains
Hold Hold
Cantor Fitzgerald
2026-03-03
reit
Overweight Overweight
JP Morgan
2026-02-09
Maintains
Neutral Neutral
RBC Capital
2026-02-02
reit
Outperform Outperform
Wells Fargo
2026-01-20
Maintains
Underweight Underweight

Past News Coverage

Recent headlines mentioning RF from our newsroom.

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