RF

SELL

Regions Financial Corporation

Financial Services · Rank #295 · Analyzed Oct 18, 2026

$27.45

Current Price

$31.78

Intrinsic Value

+15.8%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score2/5.0

Framework RatingSELL

Price vs Intrinsic ValueUndervalued by 15.8%

Fair Value Range

Low$11.51

Base (IV)$31.78

High$38.13

Entry Points

Conservative$8.06

Moderate$11.51

Aggressive$22.25

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity11.9% → 0.5/1.0

Debt LevelD/E 100 → 0/1.0

Revenue QualityGrowth 6.3%, margin Δ+0.0% → 0.5/1.0

Moat Strength1.5/5 → 0/1.0

Profit Margins30.8% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.