Regions Financial Corporation

Regions Financial Corporation

RFยทNYSE

$27.40

+0.22%
Financial ServicesBanks - Regional

Regions Financial Corporation, a financial holding company, provides banking and bank-related 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; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves 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 deposits. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. The company also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services. As of March 01, 2022, it operated through a network of 1,300 banking offices and 2,000 automated teller machines across the South, Midwest, and Texas. Regions Financial Corporation was founded in 1971 and is headquartered in Birmingham, Alabama.

At a Glance

Live Snapshot
Market Cap$23.38B
EPS2.3100
P/E Ratio11.86
Earnings Date07/17/2026
Regions Financial Corporation

Regions Financial Corporation Fair Value Envelope

RF ยท NYSE

Our analysis suggests that RF has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $27.4, this represents a potential HIDDEN relative to our calculated worth for Regions Financial Corporation.

Intrinsic Value
Current Price: $27.4

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1,206.5B
+ Cash & Equivalents$10.9B
Firm Value$1,217.4B
- Debt$4.9B
Equity Value$1,212.5B
/ Shares Outstanding901,713,832B
DCF Value$1.3K
UNDERVALUED BY 4808%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$3.3B
$4.9B
$7.4B
$11.1B
$16.7B
$25.0B
$37.6B
$56.5B
$84.9B
$127.5B
Maintenance CapEx
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
Owner Earnings
$3.3B
$4.9B
$7.4B
$11.1B
$16.7B
$25.0B
$37.6B
$56.5B
$84.9B
$127.5B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$3.0B
$4.2B
$5.9B
$8.2B
$11.3B
$15.8B
$22.0B
$30.5B
$42.5B
$59.1B
Terminal Value represents 83.2% of Enterprise Value