(RF) Regions Financial - Ratings and Ratios
Commercial Loans, Consumer Deposits, Credit Cards, Wealth Advisory, Mortgage
Dividends
| Dividend Yield | 3.73% |
| Yield on Cost 5y | 8.31% |
| Yield CAGR 5y | 12.13% |
| Payout Consistency | 92.0% |
| Payout Ratio | 45.4% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 27.7% |
| Value at Risk 5%th | 41.7% |
| Relative Tail Risk | -8.35% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.43 |
| Alpha | -1.67 |
| CAGR/Max DD | 0.39 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.529 |
| Beta | 1.088 |
| Beta Downside | 1.325 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.61% |
| Mean DD | 13.63% |
| Median DD | 13.37% |
Description: RF Regions Financial October 14, 2025
Regions Financial Corporation (NYSE:RF) is a diversified banking holding company organized into three primary segments: Corporate Bank, which delivers commercial- and industrial-loan products, real-estate financing, equipment leasing, and capital-markets services; Consumer Bank, which focuses on residential mortgages, home-equity lines, credit cards and related deposits; and Wealth Management, which provides credit, retirement, trust, investment-management and estate-planning solutions to individuals, institutions and non-profits.
As of the most recent quarter (Q3 2024), RF reported a net interest margin of 3.12%-slightly above the regional-bank median of 2.9%-and loan growth of 5.4% year-over-year, driven largely by a rebound in commercial-real-estate lending. The bank’s return on equity (ROE) stood at 11.8%, consistent with its five-year average, while its efficiency ratio improved to 58.5%, reflecting tighter cost control.
The segment’s performance is closely tied to macro-economic factors: the Federal Reserve’s policy rate influences net interest income; regional housing market strength underpins mortgage and home-equity demand; and the health of the middle-market commercial sector affects loan-loss provisions. A slowdown in commercial-real-estate values or a prolonged high-rate environment could pressure earnings, while continued wage growth in the Southeast could bolster consumer deposits.
For a deeper, data-driven valuation, you may find ValueRay’s analyst toolkit useful.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (2.16b TTM) > 0 and > 6% of Revenue (6% = 575.2m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.19pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 118.6% (prev -975.7%; Δ 1094 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 2.28b > Net Income 2.16b (YES >=105%, WARN >=100%) |
| Net Debt (3.01b) to EBITDA (2.77b) ratio: 1.09 <= 3.0 (WARN <= 3.5) |
| Current Ratio 9.75 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (894.0m) change vs 12m ago -2.61% (target <= -2.0% for YES) |
| Gross Margin 72.44% (prev 70.37%; Δ 2.07pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.04% (prev 5.92%; Δ 0.12pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.24 (EBITDA TTM 2.77b / Interest Expense TTM 2.17b) >= 6 (WARN >= 3) |
Altman Z'' 0.84
| (A) 0.07 = (Total Current Assets 12.67b - Total Current Liabilities 1.30b) / Total Assets 159.94b |
| (B) 0.06 = Retained Earnings (Balance) 9.92b / Total Assets 159.94b |
| (C) 0.02 = EBIT TTM 2.69b / Avg Total Assets 158.68b |
| (D) 0.06 = Book Value of Equity 8.27b / Total Liabilities 140.84b |
| Total Rating: 0.84 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 72.13
| 1. Piotroski 4.0pt |
| 2. FCF Yield 12.92% |
| 3. FCF Margin 23.49% |
| 4. Debt/Equity 0.32 |
| 5. Debt/Ebitda 1.09 |
| 6. ROIC - WACC (= 0.00)% |
| 7. RoE 11.63% |
| 8. Rev. Trend 88.35% |
| 9. EPS Trend 11.34% |
What is the price of RF shares?
Over the past week, the price has changed by +5.02%, over one month by +9.85%, over three months by +2.69% and over the past year by +14.99%.
Is RF a buy, sell or hold?
- Strong Buy: 7
- Buy: 3
- Hold: 13
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the RF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 28.5 | 3.4% |
| Analysts Target Price | 28.5 | 3.4% |
| ValueRay Target Price | 31.3 | 13.3% |
RF Fundamental Data Overview December 09, 2025
P/E Trailing = 11.5771
P/E Forward = 10.5042
P/S = 3.3765
P/B = 1.3034
P/EG = 2.0202
Beta = 1.049
Revenue TTM = 9.59b USD
EBIT TTM = 2.69b USD
EBITDA TTM = 2.77b USD
Long Term Debt = 4.79b USD (from longTermDebt, last quarter)
Short Term Debt = 1.30b USD (from shortTermDebt, last quarter)
Debt = 6.08b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.01b USD (from netDebt column, last quarter)
Enterprise Value = 17.44b USD (23.45b + Debt 6.08b - CCE 12.10b)
Interest Coverage Ratio = 1.24 (Ebit TTM 2.69b / Interest Expense TTM 2.17b)
FCF Yield = 12.92% (FCF TTM 2.25b / Enterprise Value 17.44b)
FCF Margin = 23.49% (FCF TTM 2.25b / Revenue TTM 9.59b)
Net Margin = 22.49% (Net Income TTM 2.16b / Revenue TTM 9.59b)
Gross Margin = 72.44% ((Revenue TTM 9.59b - Cost of Revenue TTM 2.64b) / Revenue TTM)
Gross Margin QoQ = 73.77% (prev 73.21%)
Tobins Q-Ratio = 0.11 (Enterprise Value 17.44b / Total Assets 159.94b)
Interest Expense / Debt = 8.86% (Interest Expense 539.0m / Debt 6.08b)
Taxrate = 19.63% (139.0m / 708.0m)
NOPAT = 2.16b (EBIT 2.69b * (1 - 19.63%))
Current Ratio = 9.75 (Total Current Assets 12.67b / Total Current Liabilities 1.30b)
Debt / Equity = 0.32 (Debt 6.08b / totalStockholderEquity, last quarter 19.05b)
Debt / EBITDA = 1.09 (Net Debt 3.01b / EBITDA 2.77b)
Debt / FCF = 1.34 (Net Debt 3.01b / FCF TTM 2.25b)
Total Stockholder Equity = 18.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.35% (Net Income 2.16b / Total Assets 159.94b)
RoE = 11.63% (Net Income TTM 2.16b / Total Stockholder Equity 18.53b)
RoCE = 11.55% (EBIT 2.69b / Capital Employed (Equity 18.53b + L.T.Debt 4.79b))
RoIC = 9.42% (NOPAT 2.16b / Invested Capital 22.96b)
WACC = 9.42% (E(23.45b)/V(29.53b) * Re(10.02%) + D(6.08b)/V(29.53b) * Rd(8.86%) * (1-Tc(0.20)))
Discount Rate = 10.02% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.01%
[DCF Debug] Terminal Value 70.36% ; FCFE base≈2.36b ; Y1≈2.23b ; Y5≈2.12b
Fair Price DCF = 31.22 (DCF Value 27.37b / Shares Outstanding 876.9m; 5y FCF grow -7.02% → 3.0% )
EPS Correlation: 11.34 | EPS CAGR: 9.77% | SUE: 0.19 | # QB: 0
Revenue Correlation: 88.35 | Revenue CAGR: 10.80% | SUE: 0.83 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.61 | Chg30d=+0.000 | Revisions Net=-3 | Analysts=18
EPS next Year (2026-12-31): EPS=2.58 | Chg30d=+0.001 | Revisions Net=+11 | Growth EPS=+10.9% | Growth Revenue=+4.1%
Additional Sources for RF Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle