---
title: Regions Financial (RF) — bank health card
canonical: https://sweetvaluelab.com/tools/banks/rf
ticker: RF
tier: Regional
as_of: 2026-10-16
---
# Regions Financial (RF) — bank health

Regions Financial, Regional, trades at 2.22× tangible book against a 20.9% return on tangible common equity, a 13% discount to the return-driven theory line. Prices as of Oct 16, 2026; trailing-twelve-month figures through Sep 30, 2026.

## The card

| Figure | RF | Regional average (10) |
| --- | ---: | ---: |
| Price | $27.45 |  |
| P/TBV | 2.22× |  |
| Tangible book per share | $12.38 |  |
| P/E | 11.2 |  |
| EPS (TTM) | $2.45 |  |
| Dividend per share (TTM) | $1.10 |  |
| Dividend yield | 4.0% |  |
| Payout | 44.6% |  |
| ROTCE | 20.9% | 12.9% |
| ROA | 1.36% |  |
| Efficiency ratio | 59.7% | 62.2% |
| Net interest income share | 66.8% | 77.1% |
| Credit cost | 2.79% | 4.61% |
| AOCI / TCE | -30.1% | -8.6% |
| CET1 | 10.7% |  |
| CET1 requirement | 7.0% |  |
| Total assets | $163.2B |  |
| Leverage (assets / TCE) | 15.4× |  |
| P/TBV at 9% / 10% / 11% ROTCE (theory) | 2.98× / 2.56× / 2.24× |  |

## Lights

- Unrealized bond losses are 30.1% of tangible equity and 67% of revenue is spread income

## Data notes

- Quarter ending 2026-09-30 excluded: interestIncome < interestExpense; netInterestIncome ≠ interestIncome − interestExpense (±3%); costOfRevenue < interestExpense (beyond a 3%-of-revenue release).
- TTM figures are 3 quarters annualized (× 4/3).

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Source: https://sweetvaluelab.com/tools/banks/rf (SweetValueLab, free, no account). Quarterly statements from Financial Modeling Prep, closes from the daily price cache; the engine's rules are on the board page. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.