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Regions Financial Corp (RF)

合理估值
Financial ServicesBanks - RegionalUnited States

基本面

60

价格

$26.25

市值

$23.22B

第一部分 · 这家公司值多少

概览

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.

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Direct competitors

Who this company fights with for the same customers

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资产负债表与流动性

营收

$7.62B

最近12个月(截至2026/6/30)

净利润

$2.23B

最近12个月(截至2026/6/30)

自由现金流

-

股东权益合计

$19.04B

负债合计

$139.71B

流动比率

-

利息覆盖率

0.03

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

银行合理估值

公允价值

$26.86

当前价格

$26.25

安全边际

+2.3%

公允价值区间

$22.38 - $31.34

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$32.71
现金流折现法(DCF):不适用于此类公司
市盈率法(P/E):$25.18
格雷厄姆成长公式:不适用于此类公司
盈利能力价值(EPV):不适用于此类公司
合理市净率(P/B):$27.27
股息折现模型(戈登模型):$18.74
P/FFO(运营资金):不适用于此类公司
周期中段收益:不适用于此类公司
市销率法(P/S):不适用于此类公司
分析师共识:持有 (13B / 13H / 4S)
最近财报超预期:-0.93%

估值指标

市盈率(P/E)

10.93

ROE

11.3%

市净率(P/B)

1.22

P/FCF

-

毛利率

-

ROIC

-

盈利能力雷达图

价值创造(经济护城河)

ROIC

-

WACC

11.4%

ROIC − WACC

-

基本面分析标准

通过(12)

  • EPS shows upward trend
  • Price CAGR 7.69%
  • P/B Ratio 1.22
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 11.8%
  • Revenue Growth 5Y 5.1%
  • PEG Ratio 0.65
  • Earnings Quality (OCF/NI) 0.80
  • Share Dilution -4.4%
  • Net Margin Trend 29.3% vs 28.5%
  • Piotroski F-Score 7/9

未通过(8)

  • EPS CAGR 1.50%
  • Debt/Equity ratio
  • Operating Margin 2.1%
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Unknown)
  • Analyst Consensus 43% Buy
  • Earnings Surprise avg -2.4%

不可用(8)

  • ROIC NaN%
  • Gross Margin NaN%
  • P/FCF NaN
  • Dividend Payout NaN%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Debt/EBITDA

Piotroski F-评分

7/9

财务状况强健

score
criteria

盈利质量

0.80

中等:利润与现金之间存在一定差距

股权稀释

-4.4%

正在回购股份,对股东友好

机构持股

公司治理

管理团队

姓名职位年龄
Mr. John M. Turner Jr.President, CEO & Chairman63
Mr. Charles Dandridge MasseySenior EVP and Chief Enterprise Operations & Technology Officer54
Mr. David R. KeenanSenior Advisor57
Mr. Russell K. ZusiSenior EVP & Chief Risk Officer50
Mr. Anil D. ChadhaSenior Executive VP & CFO46
Ms. Karin K. AllenExecutive VP & Chief Accounting Officer-
Ms. Katherine Randall DanellaSenior EVP & Chief Administrative Officer47
Mr. Tom H. SpeirHead of Strategy, Investor Relations & Corporate Development43
Ms. Tara Ann PlimptonSenior EVP, Chief Legal Officer & Corporate Secretary56
Ms. Anna BrackinChief Compliance Officer-

审计风险

3

董事会风险

5

薪酬风险

4

股东权利风险

7

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-24

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-08-06

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-08-11

    查看文件

via SEC EDGAR

损益历史

via SEC EDGAR

Latest News

Recent headlines for RF, sourced from Markets Gazette.

  • 4/17/2026NEUTRAL
    Regions Financial Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call

    Regions Financial Corp. is set to report its Q1 earnings on April 17, with analysts projecting an Earnings Per Share (EPS) of 59 cents and revenue of $1.92 billion. The company's stock, RF, is currently trading on the NYSE. Analyst ratings show a mixed sentiment, with recent actions including Morgan Stanley maintaining an 'Overweight' rating in February 2022, UBS initiating coverage with a 'Buy' in January 2022, and Citigroup upgrading its rating to 'Buy' from 'Neutral' in the same month. The accuracy of these analyst forecasts varies, ranging from 61% to 76%.

via Markets Gazette