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.
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 $28.57 (-1.07% 1D, market cap $24.34B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 5/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, RF ranks #351 in composite RQD confidence.
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).
Per RF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001281761), Regions Financial Corporation generated $0 in revenue, $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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
Macro rate sensitivity & RSI-14 (55.2) create a -15 pt regime headwind
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.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.
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 ($28.96) toward Bear Floor ($22.59).
Regions Financial Corporation (RF) slipped -1.07% to $28.57, trading at 56% of its 52-week range ($23.59 – $32.47). Solid steady margins (0% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
AlphaStreet report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
Business Wire report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
JP Morgan analyst Vivek Juneja maintains Regions Financial (NYSE:RF) with a Neutral and raises the price target from $30.5 to $31.
CFR raises its 2026 growth outlook on stronger loan demand, improving margins and higher fee income, but rising costs pose challenges.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +9.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on RF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for RF. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Regions Financial Corporation (RF) ranks #351 by composite RQD confidence (61/100, grade C-) and #105 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% | -1.07% | $24.34B | Benchmark Subject |
| KEY KeyCorp | C | 64/100 | 12.5x | — | 2.6% | -1.72% | $22.54B | /key-vs-rf → |
| FCNCA First Citizens BancShares Inc. | C+ | 69/100 | 12.2x | — | 2.6% | -1.25% | $26.57B | /fcnca-vs-rf → |
| CFG Citizens Financial Group Inc. | C- | 59/100 | 15.1x | — | 2.1% | -2.96% | $26.75B | /cfg-vs-rf → |
| BBDO Banco Bradesco Sa (each representing one Common Share) | D | 44/100 | — | — | — | -2.81% | $27.10B | /bbdo-vs-rf → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Regions Financial Corporation (RF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , 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 | $0 | $2.16B | $2.18B | $2.18B | $158.81B | $62.87B |
| FY2024 (FY) | 2024-12-31 | $0 | $1.89B | $1.60B | $1.60B | $157.30B | $62.73B |
| FY2023 (FY) | 2023-12-31 | $0 | $2.07B | $2.31B | $2.31B | $13.53B | $3.17B |
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 $28.57 (-1.07% 1D, market cap $24.34B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 5/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, RF ranks #351 in composite RQD confidence.
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).
Per RF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001281761), Regions Financial Corporation generated $0 in revenue, $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.
RF last traded at $28.57 (-1.07% on volume of 11,753,369 shares), positioning the stock +0.56% above its 50-day simple moving average ($28.41) and -0.42% below its 200-day simple moving average ($28.69). Across its 52-week range of $23.59 to $32.47, RF sits at the 56.1% percentile with a 14-day RSI of 55.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($27.40 to $29.74).
Why RF Stock slipped -1.07% Today — RQD Quant Desk Flash. Solid steady margins (0% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, RF scores 64 out of 100, grade C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:
For a prospective investor, the balance of pillars suggests a stock whose balance sheet and insider flow are comparatively supportive, while its macro sensitivity and low ROIC are the primary constraints. Upside drivers would likely center on sustained cash generation and balance sheet stability; the valuation tradeoff is that a low forward P/E (10.6) and a 3.71% dividend yield sit alongside a weak ROIC, so the market is pricing in durability questions. The 8/20 macro score implies that outcomes may be more exposed to sector and rate-regime shifts than to company-specific execution alone. This is an analytical framing of the rating, not personalized advice.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $53.0M | $2156.0M | N/A | $2181.0M | N/A | $62869.9M |
| FY 2024 | $0.0M | $95.0M | $1893.0M | N/A | $1598.0M | N/A | $62726.4M |
| FY 2023 | $0.0M | $212.0M | $2074.0M | N/A | $2308.0M | N/A | $3166.5M |
Per the SEC financials, reported net income was $2074.0M (FY 2023), $1893.0M (FY 2024), and $2156.0M (FY 2025), while operating income declined from $212.0M to $95.0M to $53.0M over the same periods. Per the market data, operating margin is 0.8%, gross margin is 0%, and net margin is 31.3%; the source data does not reconcile these margins with the reported revenue figures of $0.0M. Per the market data, ROIC is 0.1%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 8/9, and the Debt/Equity ratio is 0.5. Debt figures per the SEC financials rose sharply between FY 2023 ($3166.5M) and FY 2024 ($62726.4M), a change the source data does not explain.
Per the recent news feed, the most recent item (Yahoo Finance, flagged GREEN as CATALYST) reports that shares rose 2.27% as third-quarter earnings beat estimates despite a revenue shortfall. A marketscreener.com flash reports Q3 adjusted EPS of $0.73 per share versus a FactSet estimate of $0.66. A separate AlphaStreet preview lists the same $0.66 EPS estimate ahead of an October 16 report. A Seeking Alpha item references a 2026 Q3 earnings call presentation dated 2026-10-16. Additional items cover a BancAnalysts Association of Boston conference participation and a TradingView listing for the 4.45% Non-Cumulative Perpetual Preferred Stock, Series E depositary shares. Per the news feed, no risk watch items are explicitly enumerated. Per the Butterfly Supply-Chain Graph, the supply chain is NONE, with no butterfly links and no proprietary signals.
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
Yahoo Finance report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
AlphaStreet report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
Business Wire report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.
Welcome to the RF (Regions Financial Corporation) Roar Pit. Current RQD Composite is 64/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on RF, but look at what you are paying: 11.4x trailing P/E with tightening sector spreads. Unless Regions Financial Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on RF, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $28.88 (52-wk range $23.59 - $32.47), any beat on forward guidance forces shorts and underweight funds to chase.
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