---
title: Regions Financial (RF) — intrinsic value and fair price
canonical: https://sweetvaluelab.com/stocks/rf
ticker: RF
as_of: 2026-10-17
sector: Financial Services
industry: Banks - Regional
---
# Regions Financial (RF)

Regions Financial (RF) closed at $27.45 on Oct 16, 2026, undervalued by 13% vs its model value of $31.66 (from the justified price to tangible book).

## Key figures

| Figure | Value |
| --- | ---: |
| Last close | $27.45 (Oct 16, 2026) |
| Model value (from the justified price to tangible book) | $31.66 |
| Price vs model | undervalued by 13% vs model |
| Range of that model | $27.70 – $36.93 |
| Market value | $23.4B |
| P/E (fiscal 2025) | 11.9 |
| Net margin (fiscal 2025) | 22.4% |
| Free cash flow (fiscal 2025) | $2.0B |
| Dividend yield (trailing twelve months) | 3.99% |
| Beta | 1.06 |
| Cost of capital (WACC) | 9.81% |
| Business classification | Dividend Payer (Moderate growth (~15% recent), High profitability (2424% net margin), Pays dividends, Highly cyclical earnings, Strong FCF yield (12.6%)) |

## On the stock lists

| List | Place | Figure | Page |
| --- | ---: | ---: | --- |
| Lowest P/E | #33 | 11.9× | https://sweetvaluelab.com/lists/lowest-pe |

## Dividends

| Figure | Value |
| --- | ---: |
| Trailing dividend yield | 3.99% |
| Dividends per share, last 12 months | $1.10 |
| Dividends / earnings (fiscal 2025) | 42.3% |
| Raised | 13 years in a row |
| Growth over 5 years | 11.5% a year |
| Latest payment | $0.30, ex-date Sep 1, 2026, paid Oct 1, 2026 |

| Year of payments | Dividends per share |
| --- | ---: |
| To Sep 2, 2021 | $0.64 |
| To Sep 1, 2022 | $0.71 |
| To Aug 31, 2023 | $0.84 |
| To Sep 3, 2024 | $0.97 |
| To Sep 2, 2025 | $1.02 |
| Trailing twelve months (to Sep 1, 2026) | $1.10 |

## Valuation models

Each model's value per share and the role the engine gave it for this business. The headline above is one model's value; every other model is listed with its own, and each has a page of its own under the valuation. Computed Oct 17, 2026.

| Model | Role | Value per share | Low | High |
| --- | --- | ---: | ---: | ---: |
| P/TBV · justified | primary | $31.66 | $27.70 | $36.93 |
| P/E · peers | cross check | $30.32 | $28.18 | $38.04 |
| P/E · own history | cross check | $25.00 | $21.38 | $30.66 |
| PEG | sanity check | $38.85 | $38.85 | $38.85 |
| Dividend discount | cross check | $20.79 | $14.74 | $32.16 |

## Insider activity (SEC Form 4)

Past 90 days: 0 open-market buys ($0) and 1 open-market sale ($23); 10b5-1 plan sales included.

| Date | Insider | Relationship | Transaction | Shares | Value |
| --- | --- | --- | --- | ---: | ---: |
| Sep 10, 2026 | Chadha Anil D | Chief Financial Officer | Open-market sell | 0.771 | $23 |
| Jul 15, 2026 | VINES TIMOTHY | Director | Grant / award | 992.694 | $31,250 |
| Jul 15, 2026 | STYSLINGER LEE J III | Director | Grant / award | 992.694 | $31,250 |
| Jul 15, 2026 | Crosswhite Mark A. | Director | Grant / award | 992.694 | $31,250 |
| Jul 15, 2026 | Hill J Thomas | Director | Grant / award | 1,111.817 | $35,000 |

## Recent SEC filings

| Filed | Form | What | Filing |
| --- | --- | --- | --- |
| Oct 16, 2026 | 8-K | 2.02 Results of Operations (Earnings); 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1281761/000128176126000063/rf-20261016.htm |
| Aug 11, 2026 | 8-K | 5.02 Departure/Election of Directors or Officers; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1281761/000128176126000060/rf-20260811.htm |
| Aug 7, 2026 | 8-K | 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/rf-20260807.htm |
| Aug 6, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/1281761/000128176126000055/rf-20260630.htm |
| Jul 17, 2026 | 8-K | 2.02 Results of Operations (Earnings); 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1281761/000128176126000050/rf-20260717.htm |

## Superinvestors holding it (latest 13F)

| Manager | Quarter | Shares | Value |
| --- | --- | ---: | ---: |
| Richard Pzena | 2026-06-30 | 1,839,825 | $55.6M |
| Bridgewater | 2026-06-30 | 325,788 | $9.8M |
| Mairs & Power | 2026-06-30 | 7,000 | $211,400 |

3 tracked managers in all.

## About

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 co…

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Source: https://sweetvaluelab.com/stocks/rf (SweetValueLab, free, no account). Prices and statements from Financial Modeling Prep; filings from SEC EDGAR. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.