What is Regions Financial Corporation (RF) DCF Fair Value and Intrinsic Value in 2026?

Regions Financial Corporation (RF) intrinsic value is calculated using conservative multi-stage Discounted Cash Flow (DCF) models, 5-year free cash flow trajectories, Graham Numbers, and owner earnings multiples. LocalAlpha tracks real-time margin of safety against live market prices.

What is Regions Financial Corporation's historical Return on Invested Capital (ROIC) and Moat Rating?

Regions Financial Corporation operates in the Financials sector (Banks - Regional) with an economic moat rating of NONE. LocalAlpha tracks 5-year audited quarterly ROIC, operating margin stability, and balance sheet solvency ratios.

What is Regions Financial Corporation's financial health rating and Piotroski F-Score?

Regions Financial Corporation's balance sheet quality is evaluated using the 9-point Piotroski F-Score, Altman Z-Score solvency model, debt-to-equity ratio, and quick/current liquidity coverage to guard against financial distress.

How does LocalAlpha monitor Regions Financial Corporation (RF) for quarterly SEC filing thesis breaks?

LocalAlpha audits Regions Financial Corporation's 10-K, 10-Q, and 8-K regulatory filings on SEC EDGAR within 15 minutes of release. If reported metrics breach an investor's custom ROIC floor, operating margin boundary, or qualitative risk criteria, an autonomous breach audit is dispatched immediately.

StocksRF

RF

Regions Financial CorporationFinancial Services / Banks - RegionalINTACT

Regions Financial Corporation, a financial holding company, provides various banking and related products and services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; home improvement lending, investment advisory services, equipment financing for commercial clients, small business customers, low-income housing tax credit corporate fund syndication services, financing to CRA-qualified customers, and broker-dealer services to commercial clients, as well as other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.

Share Price

$30.13

52W: $22.7 - $32.47

DCF Fair Value

$69.68

+56.8% MoS

Thesis Hub

P/E (TTM)

12.2x

ROIC

29.5%

Operating Margin

39.3%

FCF Yield

7.8%

Debt / Equity

0.65x

Piotroski Score

7/9

Altman Z-Score

3.32

Market Cap

$25.7B

Price vs. Intrinsic Value Corridor

Margin of Safety Buy Zone (<25% Discount)

Historical market price overlaid against conservative DCF Fair Value & Benjamin Graham Margin of Safety bands.

Period Return (1Y)

—()

Period Range

$— - $—

DCF Fair Value

$69.68

MOS Buy Target (-25%)

$52.26

Valuation Overlays: DCF Fair Value ($69.68) 25% MOS Buy Target ($52.26) Revised Graham ($86.04) Graham Number ($33.74)

2-Stage Discounted Cash Flow (DCF) Workbench

Conservative intrinsic value model based on owner cash generation over a 10-year investment horizon. Opens with LocalAlpha's baseline assumptions (matching the fair value shown above) — adjust any input to stress-test.

Current Market Price

$30.13

DCF Fair Value

$69.65

+56.7% MoS

Starting Free Cash Flow ($M)$1,999M

$100M$1,999M (Reported)$50,000M

Stage 1 Growth (Years 1-5)18.0%

-5%10% (Target)35%

Stage 2 Growth (Years 6-10)4.5%

0%5%20%

Discount Rate (WACC / Hurdle)9.0%

6%9% (Standard)15% (High Risk)

Terminal Perpetual Growth2.5%

1% (GDP Floor)2.5% (Inflation)4.0%

Net Debt ($M)$4,500M

-$100B CashBalance Sheet+$150B Debt

10-Yr PV of Cash Flows

$25.9B

PV of Terminal Value

$38.0B

Implied Enterprise Value

$63.8B

Implied Equity Value

$59.3B

Year	Yr 1	Yr 2	Yr 3	Yr 4	Yr 5	Yr 6	Yr 7	Yr 8	Yr 9	Yr 10
Projected FCF ($M)	$2,359	$2,783	$3,284	$3,876	$4,573	$4,779	$4,994	$5,219	$5,454	$5,699
Present Value (PV)	$2,164	$2,343	$2,536	$2,746	$2,972	$2,850	$2,732	$2,619	$2,511	$2,407

Benjamin Graham & Buffett Value Models

Classical deep value metrics based on asset backing, normalized earnings power, and owner cash yield.

Graham Number+10.7%

$33.75

Calculated as √(22.5 × EPS × BVPS). The maximum theoretical price a defensive investor should pay based purely on asset book value and current earnings.

EPS: $2.47BVPS: $20.49

Revised Graham Formula+65% MoS

$86.04

Formula: V = (EPS × (8.5 + 2g) × 4.4) / Y where g is the conservative 7-10 yr growth rate and Y is AAA Bond Yield.

Growth Rate (g%)

Bond Yield (Y%)

Buffett Owner Earnings7.4% Yield

$2.23 / share

True distributable cash flow: Net Income + D&A - Maintenance CapEx. Reflects the cash Buffett would extract without hurting unit volume.

Total: $1.9BYield: 7.4%

Reverse DCF: Market Growth Expectation

EXTREMELY LOW BARRIER

-0.2% CAGR (Next 10 Yrs)

At the current price of $30.13, the market is assuming the business will compound Free Cash Flow at -0.2% per year for the next decade with a 9% hurdle rate.

Value Investor Verdict

✓ Low market hurdle: Easy for a wide-moat compounder to beat.

Autonomous Thesis Underwriting

Surveil RF with Mathematical Margin of Safety Rules

Set non-negotiable floor rules for Regions Financial Corporation. If a newly filed quarterly 10-Q breaks your ROIC floor, operating margin boundary, or balance sheet leverage rules, receive an autonomous breach audit within 15 minutes.

Buffett Quality

ROIC > 15% • Margin > 15% • D/E < 0.5x

Margin Floor Guard

Current Margin 39.3% • Floor > 10%

Solvency Guard

Altman-Z > 2.6 • Current Ratio > 1.5x

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Frequently Asked Questions: Regions Financial Corporation (RF) Intrinsic Valuation

Audited fundamentals, DCF intrinsic value sensitivity, and thesis break detection parameters for Regions Financial Corporation.

Based on institutional multi-stage Discounted Cash Flow (DCF) modeling on audited SEC cash flows, Regions Financial Corporation has an estimated DCF intrinsic fair value of $69.68 per share compared to its current market price of $30.13. This represents an estimated 56.8% margin of safety (trading below fair value). Additionally, its classic Benjamin Graham Number stands at $33.74.