RF$28.52
$28.7466
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Powered by LiveAIOverall Analysis
BuyRegions Financial Corporation demonstrates solid fundamental strength, particularly in its balance sheet and dividend yield. While its growth prospects appear moderate and technical indicators suggest a cautious short-term outlook, its stability and income generation make it an attractive option for value-oriented and income-seeking investors.
Thematic
As a regional bank, Regions Financial operates within a mature industry. While it benefits from the general economic recovery and digital transformation in banking, it faces significant competition and regulatory hurdles. The thematic appeal is moderate, driven by financial sector stability and efficiency improvements.
Fundamental
Regions Financial exhibits a strong balance sheet with substantial cash reserves and a manageable debt level. Its profitability is consistent, and the dividend yield is attractive, offering a stable income stream. However, revenue growth has been modest.
Technical
The stock has shown a positive performance over the past year but is currently trading below its key moving averages, suggesting a neutral to slightly bearish short-term trend. Technical indicators are mixed, indicating a lack of strong momentum.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 70 |
| Interest Rate Environment | 55 |
| Economic Stability & Growth | 75 |
| Regulatory Compliance | 50 |
| Competitive Landscape | 70 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 85 |
| Growth | 50 |
| Balance Sheet Health | 88 |
| Cash Flow | 80 |
| Dividends | 90 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Trend Analysis | 40 |
| Momentum | 50 |
| Momentum | 45 |
| Support & Resistance | 70 |
| Volume | 65 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Attractive Valuation
The stock's trailing Price-to-Earnings (P/E) ratio of 15.5 is below the industry average of 17.2, suggesting it may be undervalued relative to its peers. The Price-to-Sales (P/S) ratio of 4.4 is also favorable compared to the industry average of 5.1.
Consistent Earnings Growth
The company has a history of beating EPS estimates, with positive surprises in 8 out of the last 12 quarters. EPS for the trailing twelve months (TTM) is $2.14.
Bearish Points (7)
High Quarterly P/E Ratio
The quarterly P/E ratios are significantly elevated (e.g., 39.2 in Q1 2025), suggesting that current short-term earnings may not fully justify the stock's price, potentially indicating overvaluation based on recent performance.
Missed Estimates in Specific Quarters
There have been instances of earnings misses, such as a -18.32% surprise in Q2 2024 and a -15.52% surprise in Q4 2023, indicating potential volatility in meeting earnings expectations.
Calendar
September 2025
2
Ex-Dividend Date
October 2025
1
Next Dividend Date
October 2025
17
Next Earnings Date
H: $0.62
A: $0.59
L: $0.56
H: 1.95B
A: 1.93B
L: 1.91B
Profile
Regions Financial Corporation, a financial holding company, provides various banking and related products and services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; home improvement lending, investment advisory services, equipment financing for commercial clients, small business customers, low-income housing tax credit corporate fund syndication services, financing to CRA-qualified customers, and broker-dealer services to commercial clients; and other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.
Seasonals
Price Target
28.06 USD
The 39 analysts offering 1 year price forecasts for RF have a max estimate of 33.00 and a min estimate of 24.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Major regional bank resulting from the SunTrust-BB&T merger, with significant overlap in geographic footprint (Southeast US) and business lines (commercial, retail, wealth management), making it a primary direct competitor to Regions Financial.
Weight: 93
Regional bank with a strong concentration in the Southeast, directly competing with Regions Financial for a similar customer base in core markets, particularly in Georgia, Florida, and Alabama.
Weight: 92
Regional bank headquartered in Memphis, TN, with a significant presence in the Southeast, possessing similar scale and diversified business segments that lead to direct competition with Regions in key markets.
Weight: 90
One of the largest regional/super-regional banks in the U.S. with a broad reach and comprehensive financial services, often competing with Regions for larger commercial clients and market share across its expanded footprint.