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Regions Financial Corporation — Intrinsic Value & Fair Price

RF
NYSEFinancial ServicesBanks - RegionalCIK 0001281761regions.comAbout RF
Last close · Oct 16, 202627.45+0.14 (+0.51%)
Market cap$23.4B
Model value · P/TBV · justified
31.66
Regions Financial closed at $27.45 — undervalued by 13% vs model.
27.70the model's range36.93

P/TBV · justified leads for a bank. From the justified price to tangible book.

Other models
20.79 – 38.85
Wall St. target
34.00 19% below
Below model, 1y
20 of 20 days

Price and model value

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What the marks mean
Daily close

Dividends

Quarterly · as of Oct 16, 2026
Yield, trailing 12 months
3.99%
Past 2 years
low 3.27%high 5.40%
Dividends per share, a year at a time
$0.64Sep ’21$0.71Sep ’22$0.84Aug ’23$0.97Sep ’24$1.02Sep ’25$1.10TTM
Dividends / earnings, FY2025
42.3%
Raised
13 years in a row
Growth, 5 yrs
11.5% a year
Last change
+13.2% · Sep 2026
Every payment, with ex-dates · latest $0.30, paid Oct 1, 2026

Research on RF

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How it is valued

Valued asBank
Moderate growth (~15% recent)High profitability (2424% net margin)Pays dividendsHighly cyclical earningsStrong FCF yield (12.6%)
What growth the price implies: the reverse DCF

Key figures

FY2025 · chosen for banks
Price / tangible book
1.8×
Price / book
1.3×
Return on equity
11.3%
P/E
11.9×
Dividend yield, TTM
3.99%
Payout ratio
46.5%
On the lists: #33 Lowest P/E
Full financials

Analyst actions

third-party, quoted
10-14Cantor Fitzgerald · target32.00
09-23Truist Financial · target31.00
09-18Baird · “Neutral” from “Underperform”upgrade
09-08Morgan Stanley · target36.00
Ratings, targets and estimates

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About Regions Financial

Regions Financial Corporation (RF) operates as a financial holding company, delivering a comprehensive array of banking and related services to both individual consumers and corporate entities. The firm's operations are strategically divided into three principal divisions: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment specializes in commercial banking solutions. Its extensive offerings include various lending options such as commercial and industrial loans, commercial real estate financing, and investor real estate credit. Furthermore, it provides equipment lease financing, manages diverse deposit products, and offers sophisticated capital markets services like securities underwriting and placement, loan syndication, foreign exchange, derivatives, and merger and acquisition advisory, along with other consulting services. This segment primarily serves corporate clients, middle-market businesses, and developers and investors in commercial real estate. Focusing on individual customers, the Consumer Bank segment delivers a range of personal financial products. These include residential first mortgages, home equity lines of credit and loans, consumer credit cards, and other personal lending facilities, in addition to deposit accounts. The Wealth Management division offers extensive financial planning and asset management services. Its provisions encompass credit-related products, retirement and savings solutions, trust and investment management, and estate planning expertise. Its diverse clientele includes individuals, businesses, governmental organizations, and non-profit entities. Beyond these core banking functions, Regions Financial Corporation also provides investment and insurance products, facilitates the syndication of corporate funds for low-income housing tax credits, and engages in various other specialized financing activities. As of March 1, 2022, the company maintained a significant physical presence, operating through a network of 1,300 banking branches and approximately 2,000 automated teller machines across the Southern, Midwestern, and Texas regions of the United States. Regions Financial Corporation was established in 1971 and its corporate headquarters are located in Birmingham, Alabama.

CEO
John Turner Jr.
Headquarters
Birmingham, AL
Employees
20,003
IPO
1980-03-17
Full company profile

Model estimates for research reference only, not investment advice. Every model rests on assumptions that may not match what happens; the formulas are in how we value a stock.