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Upturn AI Summary - About
Regions Financial Corporation(RF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RF
11/06/2026: RF (3-star) is currently NOT-A-BUY. Pass it for now.
Regions Financial Corporation is a prominent regional bank holding company focused on serving customers primarily in the Southern and Midwestern United States. The company derives strength from a stable deposit base and a diversified mix of retail, commercial, and wealth management services. A primary investment story revolves around its ability to leverage its Sun Belt footprint for organic growth and digital efficiency improvements. Risks include sensitivity to interest rate fluctuations, regional economic cycles, and intense competition from larger banks and fintech innovators. The stock may best suit value and dividend-focused investors; key developments to monitor include net interest margin trends and capital return policies.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a mature financial institution with moderate growth prospects rather than high-growth potential. |
| Momentum investor | Mixed fit | This is a cyclical stock that moves with interest rate trends and sector sentiment, making it conditional on positive banking sector signals. |
| Value investor | Strong fit | The stock often trades at reasonable valuation multiples, making it attractive to those looking for intrinsic value. |
| Dividend investor | Strong fit | Regions has a consistent history of dividend payments and a stable payout ratio appealing to income-focused investors. |
| Low-risk investor | Mixed fit | While more stable than growth stocks, the banking sector carries inherent credit, regulatory, and market risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Banking stocks often experience sharp fluctuations based on interest rate cycles and economic news. |
| Valuation risk | Medium | Valuations are tied to economic outlooks; pricing errors can occur during shifting rate environments. |
| Competition risk (Banking) | High | Intense competition from both legacy national banks and agile fintech startups threatens market share. |
| Business quality | Medium | The franchise has a strong regional reputation, though it lacks the diversified international scale of global systemic banks. |
| Dividend income | Medium | Dividend reliability is generally good but remains subject to capital requirements and regulatory approval. |
| Execution risk | Medium | Successful implementation of digital transformation and cost-cutting initiatives is crucial for long-term margin expansion. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 35.62% | Avg. Invested days 55 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 24.06B USD | Price to earnings Ratio 11.1 | 1Y Target Price 31.22 |
Price to earnings Ratio 11.1 | 1Y Target Price 31.22 | ||
Volume (30-day avg) 11.2M shares | Beta 1.02 | 52 Weeks Range 22.67 - 32.14 | Updated Date 11/08/2026 |
52 Weeks Range 22.67 - 32.14 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 3.85% | Basic EPS (TTM) 2.55 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core profit engine driven by the spread between loan and deposit rates. |
| Non-Interest Income | Service charges, wealth management fees, and insurance commissions. | These fees provide a more stable, non-cyclical revenue base compared to interest income. |
| Geography (Sun Belt) | Concentration in Alabama, Florida, Tennessee, and surrounding states. | The company's health is closely tied to the economic growth of the Southern United States. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-16 | When Before Market | Estimate 0.67 | Actual 0.73 |
Profitability
Profit Margin 31.29% | Operating Margin (TTM) 41.31% |
Management Effectiveness
Return on Assets (TTM) 1.42% | Return on Equity (TTM) 12.38% |
Valuation
Trailing PE 11.1 | Forward PE 9.93 | Enterprise Value 25.70B | Price to Sales(TTM) 3.28 |
Enterprise Value 25.70B | Price to Sales(TTM) 3.28 | ||
Enterprise Value to Revenue 4.61 | Enterprise Value to EBITDA - | Shares Outstanding 850.00M | Shares Floating 846.03M |
Shares Outstanding 850.00M | Shares Floating 846.03M | ||
Percent Insiders 0.29 | Percent Institutions 87.56 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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