RF · sample dossier
Regions Financial Corp.
46/100
OutdatedGenerated Oct 10, 2026 · 10:00 AM UTC · 3 hours ago
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EquityRegions Financial Corp.XNYS
Decision context
HOLD
66% convictionScore 46 · Hold
A mixed picture — no strong reason to buy or sell right now.
The stock trades 6.8% below our estimate.
Current price
$27.03
Estimated value range
$26.73 – $33.93
Gap vs AlphaDog estimate
+6.8%
Narrow evidence — range rests on a single usable method.
The stock trades at a discount, but execution uncertainties suggest waiting for a clearer catalyst.
Market context
Price
Price when available
Pick how far back the chart looks
1 month
-9.7%
3 months
-13.0%
6 months
-1.7%
1 year
+6.9%
Financial trajectory
Executive summary & thesis
Regions Financial Corp. is a regional bank with a market cap of $23.03B, trading at a P/E of 11.03 and Price/Book of 1.32 with $2.04 in free cash flow per share.
- P/E of 11.03 trades at a discount to peers FITB at 17.1, CFG at 13.8, and HBAN at 11.8.
- Net margin stands at 30.8% with an ROA of 1.4%, confirming profitable balance sheet conversion.
- EPS grew 8.5% YoY in the latest quarter with $2.04 in free cash flow per share.
- Revenue growth stalled at 0.1% YoY in the latest quarter, signaling stagnant top-line expansion.
- Price momentum is sharply negative with a -13.0% 3-month return, remaining below 50-day and 200-day moving averages.
- Shares dropped 9.7% over the past month, reducing 1-year trailing returns to 6.9%.
Things to keep in mind
- 1P/E 11.0xView source
- 2Revenue growth stalled at 0.1% YoY in the latest quarter, signaling stagnant top-line expansion.View source
- 3Price momentum is sharply negative with a -13.0% 3-month return, remaining below 50-day and 200-day moving averages.View source
What to watch next
Factor profile
Value-sensitive setup
| Factor | Score |
|---|---|
| Quality | 35 out of 100 (Weak). Business health — profits, returns, and consistency. Higher means a more durable company. |
| Growth | 29 out of 100 (Weak). How fast sales and earnings are rising. Higher means the business is expanding faster. |
| Value | 81 out of 100 (Elite). How cheap the stock looks for what you get. Higher means a more attractive price. |
| Safety | 55 out of 100 (Neutral). Balance-sheet cushion and fewer red flags. Higher means less risk of a nasty surprise. |
| Momentum | 26 out of 100 (Weak). Recent share-price trend. Higher means buyers have been in control lately. |
Another way to look at it
A calmer look at both sides of the Regions Financial Corp. story
The consensus view and debate judge favor Regions Financial based on an unexamined valuation discount of 11.0 P/E and a 30.8% net margin, mistaking late-cycle earnings extraction for fundamental strength.
Bottom-line EPS growth of 8.5% is entirely detached from commercial reality, given that revenue growth stalled at a negligible 0.1% YoY. Neither the bull advocate nor the synthesis addresses how Regions can defend a 1.4% ROA when top-line expansion has halted and severe technical distribution has driven shares down 13.0% over three months below both the 50-day and 200-day moving averages. Critical balance sheet solvency metrics, including Debt/Equity, are omitted entirely from the assessment. The apparent multiple discount relative to peers like FITB at 17.1 reflects justified market pricing of impending margin compression rather than an unexploited value opportunity.
Complete omission of credit quality metrics, provision for credit losses, and non-performing asset trajectories despite systemic regional bank credit exposure.
Total absence of balance sheet leverage and capital adequacy data, with Debt/Equity and EV/EBITDA reported as unavailable.
Lack of analysis regarding Net Interest Margin (NIM) pressure or deposit retention costs amid flat 0.1% YoY revenue growth.
Extrapolating sequential EPS gains from $0.58 to $0.64 as operational momentum when revenue grew only 0.1% YoY, proving earnings were artificially supported by expense reductions or reserve adjustments.
Assuming a peak net margin of 30.8% and ROA of 1.4% are resilient to mean-reversion without commercial loan volume growth.
Treating a P/E multiple of 11.0 as an undervalued entry point while ignoring that the stock has shed -9.7% in 1 month and trades below both its 50-day and 200-day moving averages.
Revenue growth YoY moves above 0.1% in the next reported quarter.
EPS growth YoY drops below 8.5%.
Cash after investing
Cash-flow details are thin for RF — check the Financials tab when you can.
- Revenue growth YoY moves above 0.1% in the next reported quarter.
- EPS growth YoY drops below 8.5%.
Monitor these triggers
3 checkpoints before the next earnings print
Revenue growth YoY against the latest quarter baseline of 0.1%.
Net margin falls below 30.8%.
ROA declines below 1.4%.
Revenue growth YoY decelerates below 0.1%.
For learning and research only — not investment advice. AlphaDog doesn’t hold stocks and isn’t your financial advisor.
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