Is RF a good stock to buy right now?

Based on our 6-factor quantitative model, REGIONS FINANCIAL CORP (RF) receives a "Reduce" rating with a composite score of 45.4/100. It is ranked #2,099 out of 4,446 stocks. Key factor scores: Quality 42/100, Value 50/100, Momentum 52/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for RF?

REGIONS FINANCIAL CORP (RF) has a "Reduce" rating and 2-star score. The composite score of 45.4 ranks it #2,099 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is RF in?

REGIONS FINANCIAL CORP operates in the Financials sector (Banking industry) with a market cap of $22.50 billion. It is classified as a large-cap stock.

Does RF pay a dividend?

Yes, RF pays a dividend with a current yield of 3.85%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $38.50 in annual dividend income.

What is RF's P/E ratio?

RF has a trailing P/E ratio of 10.76x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is RF?

RF's quality factor score is 42/100. Gross margin: 0.0%. ROE: 11.1% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is RF valued compared to peers?

RF's value factor score is 50/100 (higher = cheaper). Key multiples: P/E 10.8x, EV/EBITDA 10.4x. Valuation is roughly in line with peers.

What is RF's debt level?

RF's debt-to-equity ratio is 25%. Sector average: 121%. Low leverage suggests conservative financial management.

RF has a beta of 1.08, meaning it tracks the market. Stability score: 75/100.

Does RF have high short interest?

RF's short interest factor score is 18/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

RF Stock Analysis: Reduce (Score 45.4/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
RF	-2.31%	+3.89%	+2.77%	+1.48%	+44.74%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-2.24%	+0.29%	+2.43%	+1.84%	+15.21%	-	-	-
Alpha vs Sector	-1.22%	+1.39%	+1.35%	+8.78%	+34.15%	-	-	-

Metric	RF	Benchmark
P/E Ratio	10.8x	-28%
EV/EBITDA	10.4x	+219%
Price / Book	1.2x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
RF REGIONS FINANCIAL CORP	45	42	50	52	10.8x	11.1%	0.0%	29.6%	1.9%	25.0x	$22.5B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	0.7%	-	-	-	0.6%	0.6%	1.0%	0.6%	0.6%
Operating Margin %	0.4%	0.4%	0.3%	0.0%	-	-	0.4%	0.4%	0.0%	0.4%	0.4%
EBITDA Margin %	0.4%	0.4%	0.4%	0.0%	-	-	0.3%	0.4%	0.1%	0.4%	0.4%
Net Margin %	0.3%	0.3%	0.3%	0.3%	0.4%	24.2%	0.2%	0.3%	-0.1%	0.2%	0.2%
FCF Margin %	22.9%	-	-37.9%	-	-	-	89.7%	76.3%	56.9%	15.3%	35.7%
ROE %	0.1%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	-0.0%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-0.0%	0.0%	0.0%
ROIC %	0.1%	2.3%	8.3%	0.8%	0.0%	0.0%	9.4%	6.8%	0.0%	6.8%	7.0%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.7%

0.6%

1.0%

0.6%

Operating Margin %

0.4%

0.3%

0.0%

0.4%

0.0%

0.4%

EBITDA Margin %

0.4%

0.0%

0.3%

0.4%

0.1%

0.4%

Net Margin %

0.3%

0.4%

24.2%

0.2%

0.3%

-0.1%

0.2%

FCF Margin %

22.9%

-37.9%

89.7%

76.3%

56.9%

15.3%

35.7%

ROE %

0.1%

0.0%

0.1%

-0.0%

0.1%

ROA %

0.0%

-0.0%

0.0%

ROIC %

0.1%

2.3%

8.3%

0.8%

0.0%

9.4%

6.8%

0.0%

6.8%

7.0%

Line Item	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$7.1B	$7.1B	$6.9B	$5.1B	$104M	$6.3B	$5.9B	$3.7B	$5.5B	$5.4B	$7.4B
	—	$4.8B	—	—	—	$3.9B	$3.7B	$3.7B	$3.5B	$3.4B	$3.3B
Gross Margin	0.0%	68.0%	---	---	---	61.9%	63.9%	100.0%	64.3%	62.8%	44.4%
	—	$144M	—	—	—	$421M	$426M	$462M	$537M	$574M	$523M
Total Operating Expenses	—	—	$6.7B	—	—	—	—	—	—	—	—
	$2.6B	$2.3B	$212M	—	—	$2.4B	$2.1B	$0	$2.0B	$2.0B	$4.1B
EBIT	$2.6B	$2.3B	$212M	—	—	$2.4B	$2.1B	$0	$2.0B	$2.0B	$4.1B
EBITDA	$2.6B	$2.5B	$212M	—	—	$1.7B	$2.4B	$398M	$2.4B	$2.2B	$4.1B
Operating Margin	37.1%	32.0%	3.1%	---	---	38.1%	36.1%	0.0%	35.7%	37.2%	55.6%
EBITDA Margin	37.1%	35.3%	3.1%	---	---	27.6%	41.1%	10.7%	43.6%	41.4%	55.4%
	—	$2.3B	$1.6B	$316M	$167M	$368M	$894M	$602M	$448M	$416M	$268M
	—	—	$2.6B	$5.1B	$104M	—	—	—	—	—	—
Income Tax Expense	—	$461M	$533M	$631M	$694M	$220M	$403M	$387M	$619M	$510M	$455M
	$2.1B	$1.9B	$2.1B	$2.2B	$2.5B	$1.1B	$1.6B	-$260M	$1.3B	$1.2B	$3.1B
Net Margin	29.6%	26.7%	30.1%	44.0%	2424.0%	17.4%	27.0%	-7.0%	23.0%	21.5%	42.1%
	$0.62	$1.94	$2.11	$2.29	$2.51	$1.03	$1.51	$1.55	$1.01	$0.87	$0.75
Diluted EPS	$0.62	$1.94	$2.11	$2.28	$2.49	$1.03	$1.51	$1.55	$1.01	$0.87	$0.75
Weighted Avg Basic	—	—	936M	935M	956M	—	—	—	—	—	—
Weighted Avg Diluted	—	—	938M	942M	963M	—	—	—	—	—	—

Line Item

TTM

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$7.1B

$6.9B

$5.1B

$104M

$6.3B

$5.9B

$3.7B

$5.5B

$5.4B

$7.4B

—

$4.8B

—

$3.9B

$3.7B

$3.5B

$3.4B

$3.3B

Gross Margin

0.0%

68.0%

---

61.9%

63.9%

100.0%

64.3%

62.8%

44.4%

—

$144M

—

$421M

$426M

$462M

$537M

$574M

$523M

Total Operating Expenses

—

$6.7B

—

$2.6B

$2.3B

$212M

—

$2.4B

$2.1B

$2.0B

$4.1B

EBIT

$2.6B

$2.3B

$212M

—

$2.4B

$2.1B

$2.0B

$4.1B

EBITDA

$2.6B

$2.5B

$212M

—

$1.7B

$2.4B

$398M

$2.4B

$2.2B

$4.1B

Operating Margin

37.1%

32.0%

3.1%

---

38.1%

36.1%

0.0%

35.7%

37.2%

55.6%

EBITDA Margin

37.1%

35.3%

3.1%

---

27.6%

41.1%

10.7%

43.6%

41.4%

55.4%

—

$2.3B

$1.6B

$316M

$167M

$368M

$894M

$602M

$448M

$416M

$268M

—

$2.6B

$5.1B

$104M

—

Income Tax Expense

—

$461M

$533M

$631M

$694M

$220M

$403M

$387M

$619M

$510M

$455M

$2.1B

$1.9B

$2.1B

$2.2B

$2.5B

$1.1B

$1.6B

-$260M

$1.3B

$1.2B

$3.1B

Net Margin

29.6%

26.7%

30.1%

44.0%

2424.0%

17.4%

27.0%

-7.0%

23.0%

21.5%

42.1%

$0.62

$1.94

$2.11

$2.29

$2.51

$1.03

$1.51

$1.55

$1.01

$0.87

$0.75

Diluted EPS

$0.62

$1.94

$2.11

$2.28

$2.49

$1.03

$1.51

$1.55

$1.01

$0.87

$0.75

Weighted Avg Basic

—

936M

935M

956M

—

Weighted Avg Diluted

—

938M

942M

963M

—

REGIONS FINANCIAL CORP (RF) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does REGIONS FINANCIAL CORP Do?

Regions Financial Corporation, a financial holding company, provides banking and bank-related 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; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves 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 deposits. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. The company also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services. As of March 01, 2022, it operated through a network of 1,300 banking offices and 2,000 automated teller machines across the South, Midwest, and Texas. Regions Financial Corporation was founded in 1971 and is headquartered in Birmingham, Alabama. REGIONS FINANCIAL CORP (RF) is classified as a large-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO John M. Turner and employs approximately 20,100 people, headquartered in Wilmington, Alabama. With a market capitalization of $22.5B, RF is one of the prominent companies in the Financials sector.

REGIONS FINANCIAL CORP (RF) Stock Rating — Reduce (April 2026)

As of April 2026, REGIONS FINANCIAL CORP receives a Reduce rating with a composite score of 45.4/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.RF ranks #2,099 out of 4,446 stocks in our coverage universe. Within the Financials sector, REGIONS FINANCIAL CORP ranks #587 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

RF Stock Price and 52-Week Range

REGIONS FINANCIAL CORP (RF) currently trades at $27.50. The stock lost $0.65 (2.3%) in the most recent trading session. The 52-week high for RF is $31.53, which means the stock is currently trading -12.8% from its annual peak. The 52-week low is $17.74, putting the stock 55.0% above its annual trough. Recent trading volume was 13.0M shares, indicating strong institutional interest and high liquidity.

Is RF Overvalued or Undervalued? — Valuation Analysis

REGIONS FINANCIAL CORP (RF) carries a value factor score of 50/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 10.76x, compared to the Financials sector average of 14.88x — a discount of 28%. The price-to-book ratio stands at 1.19x, versus the sector average of 1.22x. The price-to-sales ratio is 3.19x, compared to 0.90x for the average Financials stock. On an enterprise value basis, RF trades at 10.41x EV/EBITDA, versus 3.26x for the sector.

Overall, RF's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

REGIONS FINANCIAL CORP Profitability — ROE, Margins, and Quality Score

REGIONS FINANCIAL CORP (RF) earns a quality factor score of 42/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 11.1%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.3% versus the sector average of 1.2%.

On a margin basis, REGIONS FINANCIAL CORP reports gross margins of 0.0%. The operating margin is 37.1% (sector: 21.8%). Net profit margin stands at 29.6%, versus 17.7% for the average Financials stock. Revenue growth is running at 1.9% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

RF Debt, Balance Sheet, and Financial Health

REGIONS FINANCIAL CORP has a debt-to-equity ratio of 25.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.14x, suggesting adequate working capital coverage. Total debt on the balance sheet is $4.79B. Cash and equivalents stand at $3.07B.

RF has a beta of 1.08, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for REGIONS FINANCIAL CORP is 75/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

REGIONS FINANCIAL CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, REGIONS FINANCIAL CORP reported revenue of $7.13B and earnings per share (EPS) of $0.62. Net income for the quarter was $2.11B. Gross margin was 0.0%. Operating income came in at $2.64B.

In Q3 2025, REGIONS FINANCIAL CORP reported revenue of $1.80B and earnings per share (EPS) of $0.62. Net income for the quarter was $569M. Revenue grew -1.3% year-over-year compared to Q3 2024. Operating income came in at $708M.

In Q2 2025, REGIONS FINANCIAL CORP reported revenue of $1.78B and earnings per share (EPS) of $0.59. Net income for the quarter was $563M. Revenue grew 1.2% year-over-year compared to Q2 2024. Operating income came in at $706M.

In Q1 2025, REGIONS FINANCIAL CORP reported revenue of $1.73B and earnings per share (EPS) of $0.51. Net income for the quarter was $490M. Revenue grew 0.1% year-over-year compared to Q1 2024. Operating income came in at $621M.

Over the past 8 quarters, REGIONS FINANCIAL CORP has demonstrated a growth trajectory, with revenue expanding from $1.72B to $7.13B. Investors analyzing RF stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

RF Dividend Yield and Income Analysis

REGIONS FINANCIAL CORP (RF) currently pays a dividend yield of 3.9%. At this yield, a $10,000 investment in RF stock would generate approximately $$385.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning RF offers above-average income for its sector. With a net margin of 29.6%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

RF Momentum and Technical Analysis Profile

REGIONS FINANCIAL CORP (RF) has a momentum factor score of 52/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 33/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 18/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

RF vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, REGIONS FINANCIAL CORP (RF) ranks #587 out of 891 stocks based on the Blank Capital composite score. This places RF in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing RF against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full RF vs S&P 500 (SPY) comparison to assess how REGIONS FINANCIAL CORP stacks up against the broader market across all factor dimensions.

RF Next Earnings Date

No upcoming earnings date has been announced for REGIONS FINANCIAL CORP (RF) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy RF? — Investment Thesis Summary

The quantitative profile for REGIONS FINANCIAL CORP suggests caution. Low volatility (stability score 75/100) reduces downside risk.

In summary, REGIONS FINANCIAL CORP (RF) earns a Reduce rating with a composite score of 45.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on RF stock.

Related Resources for RF Investors

Explore more research and tools: RF vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare RF head-to-head with peers: RF vs WTM, RF vs OPY, RF vs ACT.

Business quality

Valuation edge

Market alpha

Unlock Investment Thesis

Unlock Performance & Technicals

Unlock Valuation Tools

Institutional peer matrix

Dispersion: efficiency vs. valuation

Lateral intelligence network

Unlock Financial Statements

Unlock Ownership & Management

Intelligence Feed

Goldman’s ‘Unwavering’ Support Shows Gulf’s Lure for Wall Street

Associated Banc-Corp Merger And New Director Shape Midwest Growth Story

Regions Financial (RF) Earnings Expected to Grow: Should You Buy?

Why Regions Financial (RF) is a Great Dividend Stock Right Now

Stephanie Lundquist, Bryan Jordan join Securian Financial Board of Directors

Unlock Earnings Transcripts

Institutional Intelligence FAQ

Related Research & Tools

Related Financials Stocks

REGIONS FINANCIAL CORP (RF) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does REGIONS FINANCIAL CORP Do?

REGIONS FINANCIAL CORP (RF) Stock Rating — Reduce (April 2026)

RF Stock Price and 52-Week Range

Is RF Overvalued or Undervalued? — Valuation Analysis

REGIONS FINANCIAL CORP Profitability — ROE, Margins, and Quality Score

RF Debt, Balance Sheet, and Financial Health

REGIONS FINANCIAL CORP Revenue and Earnings History — Quarterly Trend

RF Dividend Yield and Income Analysis

RF Momentum and Technical Analysis Profile

RF vs Competitors — Financials Sector Ranking and Peer Comparison

RF Next Earnings Date

Should You Buy RF? — Investment Thesis Summary

Related Resources for RF Investors

Comments

Institutional Benchmarks

Related research

Get alerted on rating changes

Intelligence Feed

Goldman’s ‘Unwavering’ Support Shows Gulf’s Lure for Wall Street

Associated Banc-Corp Merger And New Director Shape Midwest Growth Story

Regions Financial (RF) Earnings Expected to Grow: Should You Buy?

Why Regions Financial (RF) is a Great Dividend Stock Right Now

Stephanie Lundquist, Bryan Jordan join Securian Financial Board of Directors