RF
Regions Financial Corporation
RF's fundamentals are mixed: its operating margin rose 2 points to 38%, while revenue grew 3.4%. At 11x earnings, it's trading right at its usual valuation. Analysts expect earnings growth.
RF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
RF's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like RF.
RF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $20.63 | -28% |
| Forward | 10x | $28.51 | — |
| Fair | 11x | $27.95 | -2% |
| Current | 11x | $28.51 | — |
| Expensive | 13x | $33.96 | +19% |
Historical ranges are pointers, not guarantees.
RF's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
RF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect RF's earnings to grow and its profitability to improve, with its revenue holding steady.
RF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.80 | +9.2% |
| Q3 2026 | $2.56 | +13% |
| Q2 2026 | $2.46 | +15% |
| Q1 2026 | $2.41 | +16% |
| Q4 2025 | $2.30 | +19% |
| Q3 2025 | $2.26 | +26% |
| Q2 2025 | $2.14 | +20% |
| Q1 2025 | $2.07 | +11% |
| Q4 2024 | $1.93 | -8.5% |
RF earned $2.56 per share over the past year, up 13% from the year before.
RF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2B | +3% |
| Q2 2026 | $1.9B | +0.1% |
| Q1 2026 | $1.9B | +5% |
| Q4 2025 | $1.9B | +5.8% |
| Q3 2025 | $1.9B | +7% |
| Q2 2025 | $1.9B | +10% |
| Q1 2025 | $1.8B | +2.1% |
| Q4 2024 | $1.8B | +0.2% |
RF's revenue has grown year over year for eight quarters in a row: $2B last quarter, up 3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +2.9 points |
| Q2 2026 | 38% | +0.6 points |
| Q1 2026 | 38% | +3.3 points |
| Q4 2025 | 37% | +0.7 points |
| Q3 2025 | 37% | +3 points |
| Q2 2025 | 37% | +1 points |
| Q1 2025 | 35% | +8.3 points |
| Q4 2024 | 36% | +10 points |
RF's operating margin was 40% last quarter, up 2.9 points from the same quarter a year ago, near the top of its range since 2019.
RF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$15M | -102% |
| Q2 2026 | $369M | -36% |
| Q1 2026 | $867M | -19% |
| Q4 2025 | -$319M | -$99M |
| Q3 2025 | $861M | -32% |
| Q2 2025 | $573M | +256% |
| Q1 2025 | $1.1B | +169% |
| Q4 2024 | -$220M | -126% |
RF's free cash flow was $902M over the past year, down 60% from the year before. Free cash flow isn't a meaningful measure for financial services companies like RF.
RF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -1M shares |
| 1 year | -4.3% | -38M shares |
| 3 years | -8.9% | -84M shares |
| 5 years | -11% | -106M shares |
| Available history | -14% | -143M shares |
RF has 856M diluted shares, down 4.3% from a year ago, with $985M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $95M |
| Q2 2026 | $59M |
| Q1 2026 | $401M |
| Q4 2025 | $430M |
| Q3 2025 | $251M |
| Q2 2025 | $144M |
| Q1 2025 | $242M |
| Q4 2024 | $58M |
RF spent $985M buying back its own shares over the past year, up 42% from the year before.
RF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.5x | Moderate |
| Q2 2026 | 1.5x | Healthy |
| Q1 2026 | 1.0x | Very low |
| Q4 2025 | 0.6x | Very low |
| Q3 2025 | 1.1x | Healthy |
| Q2 2025 | 0.8x | Very low |
| Q1 2025 | 1.0x | Healthy |
| Q4 2024 | 1.4x | Healthy |
RF's net debt is about 2.5 years of its operating earnings (EBITDA), up from 1.1 years a year ago. Net leverage isn't a meaningful measure for financial services companies like RF.
RF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.5 | Neutral |
| Stochastic | 38.2 | Neutral |
RF's weekly RSI is 49 (neutral) and its Stochastic is 38 (neutral).
RF PE vs Financial Services Sector
| Metric | RF | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 54 | 63 | 9 pts below |
RF is trading at 11x earnings, a 14% discount to the Financial Services sector's median of 13x.
RF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $27.9 | 2.3% above |
| 20 week MA | $29.6 | 3.5% below |
| 50 week MA | $28.5 | 0% below |
| 100 week MA | $26.1 | 9.2% above |
| 200 week MA | $23.0 | 24% above |
RF's trend is mixed: it's above three of its five weekly moving averages, and 24% above its 200-week average.
RF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.2 | $16.0 | -7.1% |
| 2021 | $16.0 | $21.5 | +35% |
| 2022 | $21.5 | $21.2 | -1.4% |
| 2023 | $21.2 | $19.4 | -8.7% |
| 2024 | $19.4 | $23.7 | +22% |
| 2025 | $23.7 | $27.8 | +17% |
| 2026 YTD | $27.8 | $28.5 | +2.6% |
RF has finished lower in three of the last six years. It's up 2.6% so far in 2026.