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 $28.97 (+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.
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 $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.
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 ($29.36) toward Bear Floor ($22.90).
Regions Financial Corporation (RF) advanced +1.40% to $28.97, trading at 61% 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. -44.2% 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 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 → |
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 |
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.
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 $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.
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).
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).
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.
Operating in Major Banks (Financials), RF carries a macro regime beta of 1.06 and gross margin of —.
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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.
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.
@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.
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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