RF · Intrinsic value
Is Regions Financial Corporation (RF) overvalued or undervalued?
Regions Financial Corporation (RF) trades at the delayed market price of $27.85 a share. That price already implies revenue growth of −9.1% a year for 5 years. TickerWorth's fair value is $26.07 a share (priced within our range of $16.19 – $38.55). We do not call it over- or undervalued from inside our range.
Model by Miraaj Patel · generated from market data · Updated Oct 20, 2026 · How these pages are made
Is RF fairly valued?
- Fair value
- $26.07
- Market price
- $27.85
- Downside to fair value
- 6.4%
- Verdict
- Priced within our range of $16.19 – $38.55
Reverse DCF: Today's price implies revenue growth of −9.1% a year for 5 years; our model assumes 4.6% a year on average over the same horizon.
What is RF's TickerWorth Score?
Middle of the pack — real strengths and real weaknesses
Compared with Financial Services companies in US
Its strongest point: looks cheap on the numbers. Its weakest: growth is slow or negative.
- Value · 68 of 100
Cheaper than 68% of Financial Services companies in US
- Price vs worth · 45 of 100
- Quality · 60 of 100
More profitable than 60% of Financial Services companies in US
- Financial health · 55 of 100
Financially stronger than 55% of Financial Services companies in US
- Growth · 38 of 100
Growing faster than 38% of Financial Services companies in US
- Momentum · 49 of 100
Outperformed 49% of Financial Services companies in US over the past year
Confidence: Medium confidence · Scored
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RF DCF valuation, input by input
TickerWorth's fair value for Regions Financial Corporation (RF) is $26.07 a share, against the delayed market price of $27.85 (priced within our range of $16.19 – $38.55). We do not call it over- or undervalued from inside our range. It is a model estimate, and every input behind it is sourced below. This is an educational model, not a price target or a recommendation.
Read the full reasoning
One of the lenses behind that blended figure is a discounted-cash-flow model, which on its own values RF at about $50.66 per share. The rest of this page walks through that DCF — its assumptions, reverse-DCF and discount-rate sensitivity — because it is the auditable anchor of the blend.
The valuation discounts Regions Financial Corporation's projected free cash flows at a weighted-average cost of capital (WACC) of 8.7%, with a long-run terminal growth rate of 2.5%. About 75% of the enterprise value comes from the terminal value — the portion beyond the explicit forecast window — which is typical for a stable, cash-generative business and a reminder that small changes in the discount rate or terminal growth assumption swing the intrinsic value meaningfully.
Running the DCF in reverse — solving for the growth the current price already assumes — the market is implying roughly -9.1% annual revenue growth for RF. Our base case instead compounds to about 4.6% a year over the same forecast, so the market is pricing in slower growth than our base case. The reverse-DCF is a quick sanity check: it reframes 'is this stock cheap?' as 'do I believe the growth the price requires?' rather than arguing over a single point estimate of fair value.
Sensitivity matters more than any single number. Across a reasonable band of discount-rate assumptions, RF's modeled DCF value ranges from about $37.14 to $82.22 per share. If that range still sits below today's price, the market is optimistic relative to the model across the whole band; if it brackets the price, the stock is roughly fairly valued on our assumptions. Use the interactive slider to see exactly where your own cost-of-capital view lands.
How to read this page: the DCF fair value is what Regions Financial Corporation would be worth if its cash flows grow as modeled and are discounted at the stated WACC. The assumptions table shows every input and its source; the reverse-DCF shows what the market believes; the sensitivity band shows how fragile the answer is. None of this is investment advice — it is a transparent, auditable framework for forming your own view of RF's intrinsic value. Figures update as new filings and prices come in.
Every input behind RF's DCF
| Input | Value |
|---|---|
| Base-year revenueLive feed — totalRevenue (TTM) | $7,332,000,000 |
| Base EBIT marginComputed — trailing operatingMargins, held roughly flat | 41.3% |
| Forecast revenue growthESTIMATEAssumption — TickerWorth's 5-year explicit forecast | 5% → 5% → 5% → 4% → 4% |
| Risk-free rateLive feed — US 10-year Treasury yield (^TNX) | 5.1% |
| BetaLive feed — yfinance, 5-year monthly beta vs the S&P 500 (clamped to 0.4–2.5) | 1.06 |
| Terminal growthESTIMATEAssumption — TickerWorth house default 2.5%, held below WACC | 2.5% |
| Diluted sharesLive feed — sharesOutstanding | 852M |
| Market priceDelayed quote · as of 2026-10-20 21:07 UTC | $27.85 |
Change RF's assumptions
The discount-rate dial and the editable model
ProChange growth, margin and WACC yourself — Pro (7-day free trial, card required).
What does Regions Financial Corporation do?
What does it do?
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. It operates in the Banks - Regional industry (Financial Services sector), headquartered in United States. The company employs roughly 19,968 people.
How does it make money?
The business turns $7.3B in annual revenue into profit. Out of every $100 of sales, about $41 is left as operating profit (operating margin of 41.3%), after a 0% gross margin on the products/services it sells. After all costs, taxes and interest, 31.3% of revenue becomes bottom-line net profit.
Is it financially healthy?
Financially it looks mixed: is currently profitable.
Who at RF filed insider trades?
| Date | Insider | Relationship | What happened | Value | Filing |
|---|---|---|---|---|---|
| Chadha Anil D | Chief Financial Officer | Open-market sale | $23.05 | Form 4 for Chadha Anil D (opens sec.gov in a new tab) | |
| Santone Angela R. | SEVP | Option exercise | — | Form 4 for Santone Angela R. (opens sec.gov in a new tab) | |
| Santone Angela R. | SEVP | Shares withheld (tax) | $316,808.80 | Form 4 for Santone Angela R. (opens sec.gov in a new tab) | |
| Willman Brian R | SEVP | Open-market sale | $195,750.22 | Form 4 for Willman Brian R (opens sec.gov in a new tab) | |
| Davis Noopur | Director | Option exercise | — | Form 4 for Davis Noopur (opens sec.gov in a new tab) | |
| PROKOPANKO JAMES T | Director | Option exercise | — | Form 4 for PROKOPANKO JAMES T (opens sec.gov in a new tab) |
A disclosure, not a signal to trade. Source: SEC EDGAR (Form 4). Older filings and the 90-day buying-and-selling read are part of Pro. See plans
Common questions
What is RF's intrinsic value?
TickerWorth's blended fair value for Regions Financial Corporation (RF) is $26.07 per share, versus a market price of $27.85 (priced within our range of $16.19 – $38.55).
Is RF overvalued or undervalued?
Priced within our range of $16.19 – $38.55 at $27.85. We don't call RF overvalued or undervalued from a range. This is an educational estimate, not advice.
What discount rate is used for RF?
A WACC of 8.7% and a terminal growth rate of 2.5%.
Is Regions Financial stock undervalued?
TickerWorth's fair value for Regions Financial Corporation (RF) is $26.07 against a market price of $27.85. Our read: Priced within our range of $16.19 – $38.55. This is a model estimate, not investment advice.
Regions Financial (RF) DCF valuation and fair value
Our fair value for Regions Financial Corporation (RF) is $26.07, built on a 8.7% discount rate (WACC) and 2.5% terminal growth. It blends our discounted-cash-flow model with other valuation lenses. Every assumption is listed on this page with its source.
What growth is priced into Regions Financial stock?
Today's price implies revenue growth of −9.1% a year for 5 years; our model assumes 4.6% a year on average over the same horizon. This is a reverse DCF: it holds our cash-flow model's other inputs and solves for the revenue growth that makes the model equal today's price of $27.85. A model estimate, not investment advice.
Regions Financial (RF) insider trading
The most recent insider filing (SEC Form 4) for Regions Financial Corporation (RF): Chadha Anil D, Chief Financial Officer, open-market sale on 2026-09-10. The latest filings are listed on this page. A disclosure, not a signal to trade.
Not investment advice. TickerWorth Score is a model output.
Educational tool. Every output reflects the assumptions shown — not a prediction and not investment advice. TickerWorth is not a licensed investment adviser, and these figures are estimates from public filings and market data that can be wrong.