Regions Financial Corporation (RF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Regions Financial Corporation stock (RF) is currently trading at $25.76. Regions Financial Corporation PE ratio is 11.15. Regions Financial Corporation PS ratio (Price-to-Sales) is 3.19. Analyst consensus price target for RF is $30.72. WallStSmart rates RF as Moderate Buy.
- RF PE ratio analysis and historical PE chart
- RF PS ratio (Price-to-Sales) history and trend
- RF intrinsic value — DCF, Graham Number, EPV models
- RF stock price prediction 2025 2026 2027 2028 2029 2030
- RF fair value vs current price
- RF insider transactions and insider buying
- Is RF undervalued or overvalued?
- Regions Financial Corporation financial analysis — revenue, earnings, cash flow
- RF Piotroski F-Score and Altman Z-Score
- RF analyst price target and Smart Rating
Regions Financial Corporation
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RF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Regions Financial Corporation (RF)
RF trades 98% above its Graham fair value of $15.64, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Regions Financial Corporation (RF) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Regions Financial Corporation (RF) Key Strengths (5)
Keeps $47 of every $100 in revenue after operating costs
Keeps $31 of every $100 in revenue as net profit
89.74% of shares held by major funds and institutions
Large-cap company with substantial market presence
Trading at 1.24x book value, attractively priced
Supporting Valuation Data
Regions Financial Corporation (RF) Areas to Watch (4)
Moderate profitability with room for improvement
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.19x sales
Solid revenue growth at 15.60% per year
Regions Financial Corporation (RF) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.4/10) while 4 fall into concern territory (avg 5.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.24) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 47.00%, Profit Margin at 30.60%.
The Bear Case
The primary concerns are Return on Equity, PEG Ratio, Price/Sales. Some valuation metrics including PEG Ratio (1.56), Price/Sales (3.19) suggest expensive pricing. Growth concerns include Revenue Growth at 15.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 15.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Return on Equity, PEG Ratio). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
RF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
RF's Price-to-Sales ratio of 3.19x trades 59% above its historical average of 2x (90th percentile), historically expensive. The current valuation is 17% below its historical high of 3.82x set in Feb 2018, and 1174% above its historical low of 0.25x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Regions Financial Corporation (RF) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Regions Financial Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 7.1B with 16% growth year-over-year. Profit margins are strong at 30.6%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 30.6% and operating margin of 47.0% demonstrate strong pricing power and operational efficiency.
Free cash flow is -324M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Dividend sustainability with a current yield of 4.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Regions Financial Corporation.
Bottom Line
Regions Financial Corporation offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Regions Financial Corporation(RF)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Regions Financial Corporation is a bank holding company headquartered in the Regions Center in Birmingham, Alabama. The company provides retail banking and commercial banking, trust, stockbrokerage, and mortgage services.