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Stock Ratings / Financials / RF
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Regions Financial Corporation (RF) — RQD Stock Rating Cockpit

$28.97 +1.40% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.99

Regions Financial Corporation (RF) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $24.34B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RF Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Regions Financial Corporation (NYSE: RF) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $28.97 (+1.40% 1D, market cap $24.34B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, RF ranks #352 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RF compare to KEY and FCNCA in the Financials sector?
▼

Within the Financials sector (Major Banks), RF carries a Roarable C- (61/100 RQD), trailing P/E of 11.4x, gross margin of —, and ROIC of 0.1%. By comparison, KEY (KeyCorp) holds a C grade (64/100 RQD, P/E 12.5x, ROIC 2.6%, cap $22.54B) and FCNCA (First Citizens BancShares Inc.) posts a C+ grade (69/100 RQD, P/E 12.2x, ROIC 2.6%, cap $26.57B). Among the 5-stock peer group, RF leads on earnings multiple (11.4x) while KEY leads on capital efficiency (2.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RF?
▼

Per RF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001281761), Regions Financial Corporation generated $148.4M in revenue (-44.2% YoY), $2.16B in net income, and $2.18B in free cash flow against $158.81B in total assets and $62.87B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $28.99 (+0.06%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 1469.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510061
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ · Rk D
Cash (13)Whales (13)SEC (15)Macro (5)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+1.3% Base Target
$35 Bull$29 Base$23 Bear
📬 FREE RF RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RF)Realized 20D OHLCV Swing Band: ±4.1%
Deterministic 5-Pillar Attribution (61/100 Composite)
🔍 WHY RF SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit5/20 pts (-15 pt drag)

Macro rate sensitivity & RSI-14 (55.2) create a -15 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
53
Grade C-$26.89+4.3% Next Q
Q2 (-2Q)
56
Grade C$28.05+1.2% Next Q
Q3 (-1Q)
58
Grade C$28.39+2% Next Q
Current
61
Grade C-$28.97+0.5% Hist 90D α
Trajectory: C- (53) → C- (61)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, RF faces multiple-compression risk if 11.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($28.41) or 200D SMA ($28.69) invalidates the momentum regime and cuts Target Base ($29.36) toward Bear Floor ($22.90).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RF• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “RF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 61%NO 39%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
55.230 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
8 / 99-Pt Accounting
52-WEEK LASER RANGE61% OF RANGE
L: $24$28.97H: $32
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 20 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on RF

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (65)

0.1% ROIC with 42.0% gross margin and 7.60% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (55)

28/40 institutional & smart-money positioning score with 5/20 macro alignment.

Bull Case: Why Buyers Like RF
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (RF Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
RF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.74%▲ RESISTANCE BREAKOUT
2026-11-03O $28.88H $28.97L $28.57C $28.97VOL 11.75M
RES: $28.85SUP: $26.13SMA50: $28.41SMA200: $28.69
$32.91$31.08$29.24$27.41$25.57RES $28.85SUP $26.13$28.972026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RF Butterfly Map → + Track RF →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
1.5%/yr Implied 5Y Growth

vs. -44.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on RF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for RF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RF)

Financials Rank #352 of 1097 ⚔️ KEY vs RF Full Matrix →

1. Head-to-Head Financials Peer Comparison (RF vs. KEY, FCNCA, CFG, BBDO)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Regions Financial Corporation (RF) ranks #352 by composite RQD confidence (61/100, grade C-) and #106 by equity capitalization ($24.34B). Within this direct 5-issuer industry benchmark cohort, RF leads on earnings valuation at 11.4x trailing P/E, while KEY leads on capital efficiency and profitability with 2.6% ROIC and — gross margin. FCNCA currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with RF at 61/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
RF ACTIVE
Regions Financial Corporation
C- 61/100 11.4x — 0.1% +1.40% $24.34B Benchmark Subject
KEY
KeyCorp
C 64/100 12.5x — 2.6% +1.75% $22.54B /key-vs-rf →
FCNCA
First Citizens BancShares Inc.
C+ 69/100 12.2x — 2.6% +0.66% $26.57B /fcnca-vs-rf →
CFG
Citizens Financial Group Inc.
C- 59/100 15.1x — 2.1% +1.76% $26.75B /cfg-vs-rf →
BBDO
Banco Bradesco Sa (each representing one Common Share)
D 44/100 — — — +0.41% $27.10B /bbdo-vs-rf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001281761 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Regions Financial Corporation (RF) reported GAAP revenue of $148.4M (-44.2% vs. FY2024 revenue of $266.0M , and -75.0% cumulative change since FY2023) , GAAP net income of $2.16B, operating cash flow of $2.18B, and free cash flow of $2.18B (+36.5% YoY). On the balance sheet, RF closed FY2025 with $158.81B in total assets against $62.87B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $148.4M $2.16B $2.18B $2.18B $158.81B $62.87B
FY2024 (FY) 2024-12-31 $266.0M $1.89B $1.60B $1.60B $157.30B $62.73B
FY2023 (FY) 2023-12-31 $593.6M $2.07B $2.31B $2.31B $13.53B $3.17B

3. RF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Regions Financial Corporation (NYSE: RF) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $28.97 (+1.40% 1D, market cap $24.34B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, RF ranks #352 in composite RQD confidence.

How does RF compare to KEY and FCNCA in the Financials sector?

Within the Financials sector (Major Banks), RF carries a Roarable C- (61/100 RQD), trailing P/E of 11.4x, gross margin of —, and ROIC of 0.1%. By comparison, KEY (KeyCorp) holds a C grade (64/100 RQD, P/E 12.5x, ROIC 2.6%, cap $22.54B) and FCNCA (First Citizens BancShares Inc.) posts a C+ grade (69/100 RQD, P/E 12.2x, ROIC 2.6%, cap $26.57B). Among the 5-stock peer group, RF leads on earnings multiple (11.4x) while KEY leads on capital efficiency (2.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RF?

Per RF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001281761), Regions Financial Corporation generated $148.4M in revenue (-44.2% YoY), $2.16B in net income, and $2.18B in free cash flow against $158.81B in total assets and $62.87B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RF trading relative to its 50-day, 200-day, and 52-week technical levels?

RF last traded at $28.97 (+1.40% on volume of 10,631,758 shares), positioning the stock +1.97% above its 50-day simple moving average ($28.41) and +0.98% above its 200-day simple moving average ($28.69). Across its 52-week range of $23.59 to $32.47, RF sits at the 60.6% percentile with a 14-day RSI of 55.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($27.78 to $30.16).

Direct Sub-Reports: RF RQD Cockpit RF 12M Forecast RF Earnings & Move RF Dividends & DRIP RF Insiders & 13F RF Whale Options RF Profit Sankey RF News & Why
ROARABLE RATING BRIEF • RQD 61/100 (C-) ✓ SEC XBRL & RQD VERIFIED

RF — Regions Financial Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Regions Financial Corporation (RF) earns a live Roarable RQD composite score of 61/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $28.97 (+1.40% 1D, market capitalization $24.34B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 0.1%, gross margin of —, operating margin of 0.8%, and free cash flow yield of 7.60%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (5/20) + Forensic Balance Sheet (15/20): Incorporates a 1.06x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Regions Financial Corporation (RF) is a NYSE-listed issuer in the Financials sector, Major Banks industry..6B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Regions Financial Corporation (RF) reported $148.4M in annual revenue (up from $266.0M in FY2024, -44.2% YoY) and $2.16B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($593.6M revenue, $2.07B net income) through FY2025, RF scaled operating cash flow to $2.18B and free cash flow to $2.18B, backed by $158.81B in total assets against $62.87B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 61/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $23.59 – $32.47 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 11.4x trailing P/E and 95.0x EV/EBITDA against 0.8% operating margins and a 1.06x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), RF carries a macro regime beta of 1.06 and gross margin of —.

  • Key Question #1: Can RF sustain or expand its 0.8% operating margin and 0.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $148.4M and free cash flow of $2.18B, how will capital allocation balance growth reinvestment against $62.87B in total debt?
  • Key Question #3: How sensitive is RF's 10.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.06x)?

RF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Regions Financial Corporation (RF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RF Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RF Bull vs. Bear Conversation Board — What's Your Call at $28.97?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RF 🐻 33% BEARISH CONVICTION
1. Pick Your Side on RF:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $35.14 (+23.0%)
📌 Pinned Debate

Insider conviction (15/20) and a forensic balance sheet (Piotroski F 8/9, Altman Z 2.5) are the strongest pillars, alongside a 7.6% FCF

The street is overcomplicating Regions Financial Corporation (RF). Insider conviction (15/20) and a forensic balance sheet (Piotroski F 8/9, Altman Z 2.5) are the strongest pillars, alongside a 7.6% FCF yield and a forward P/E of 10.6.. With an RQD score of 61/100 (C-) and Forensic Balance Sheet at 15/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $30.86.

SectorRotator 🐂 BULL

@ShortSeller_Dan Fair point on 11.4x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $23.43 (-18.0%)
Spot @ $28.57

Macro regime fit scores only 8/20 on a 1.06 beta, and ROIC of 0.1% with reported operating income falling from $212.0M to $53.0M signal

Sitting on the sidelines or leaning short RF above $28.57. Macro regime fit scores only 8/20 on a 1.06 beta, and ROIC of 0.1% with reported operating income falling from $212.0M to $53.0M signals weak core returns.. Until Fundamental Cash Engine (13/20) and FCF yield (7.6%) inflect higher, upside is capped near $32.47.

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