Is Regions Financial Corporation (RF) Overvalued?
We dive into why Regions Financial Corporation (RF) could be considered overvalued on 2026-07-17, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
Regions Financial Corporation, a financial holding company, provides various banking and related products and 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; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to 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 the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; home improvement lending, investment advisory services, equipment financing for commercial clients, small business customers, low-income housing tax credit corporate fund syndication services, financing to CRA-qualified customers, and broker-dealer services to commercial clients, as well as other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.
Commentary & Analysis
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What You Need to Know About Regions Financial Corporation's Q3 Earnings
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Which Is a Better Investment, Regions Financial Corporation or Zions Bancorporation, National Association Stock?
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Financial Summary
| Share Statistics | RF | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $26,412.1 | $716.9 | 88% |
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| Shares Out (Mil) | 868.0 | 15.7 | 93% |
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| Institutional Ownership | 99.6% | 83.0% | 91% |
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| Float (Mil) | 849.4 | 21.2 | 90% |
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| Beta | 1.01 | 0.48 | 60% |
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| Avg Daily Volume (000s) | 9,579 | 53 | 96% |
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| Price Change (52-week) |
20.4% | 96.7% | 62% |
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| Growth | RF | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 7.3% | 7.6% | 47% |
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| Net Income (5yr) | 14.5% | 11.1% | 62% |
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| EPS (5yr) | 17.4% | 10.1% | 63 |
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| Dividends (5yr) | 10.7% | 3.6% | 80% |
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| Cash Flow (5yr) | (56.7%) | (17.0%) | 5% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 14 | 16 | 16 | |
| Current EPS | $0.656 | $2.629 | $2.845 | |
| Month Ago EPS | $0.668 | $2.614 | $2.858 | |
| # Rev Up | 1 | 1 | 0 | |
| # Rev Down | 0 | 0 | 1 | |
| Three Months Ago EPS | $0.669 | $2.611 | $2.860 | |
| Year/Year Chg | 5.8% | 14.3% | 35.0% | |
| Financials | RF | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $7,178 | $190 | 80% |
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| Net Income (TTM) (Mil) | $2,225 | $51 | 93% |
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| EPS (TTM) | $2.423 | $2.500 | 75% |
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| Operating Cash Flow (TTM) (Mil) | $1,982 | $34 | 88% |
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| Net Cash Flow (TTM) (Mil) | ($3,173) | $1 | 1% |
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| Long-Term Debt (Q1) (Mil) | $3,137 | $100 | 80% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | RF | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.52 | 1.27 | 40% |
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| P/E | 12.8 | 12.9 | 27% |
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| Dividend Yield | 3.9% | 2.2% | 90% |
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| PEG (5yr hist) | 0.7 | 1.1 | 35% |
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| Ratios | RF | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 30.8% | 28.9% | 89% |
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| ROA | 1.4% | 1.0% | 51% |
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| ROE | 13.0% | 11.1% | 66% |
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| Liabilities to Assets | 88.3% | 89.8% | 82% |
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| F-Score | 5 | 4 | 51% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
GURU STRATEGY
Lakonishok Screen
Factors: Value, Momentum
Identifying stocks trading at a discount to their industry norms but showing recent price strength and upward earnings revisions.
| Performance Since Inception: | 13.2% |
| +/- S&P 500: | +5.7 |
GURU STRATEGY
Neff Screen
Factors: Value, Growth
An approach using a stringent contrarian viewpoint—finding undervalued, out-of-favor stocks in the bargain basement that have an optimistic future.
| Performance Since Inception: | 14.6% |
| +/- S&P 500: | +7.1 |
