RF · NYSE · STOCK
Regions Financial (RF) Stock Analysis
$27.91
52W $22.70 – $32.47
66/100
$24.36B
11.5
1.00
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is RF Bullish or Bearish?
Bullish.
Innellis AI committee rates Regions Financial Corporation (RF) Buy with a composite score of 66/100
, based on 6 analysts with 67% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +9.20 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -10.80 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Risk Analyst sees a compelling case — low leverage (debt-to-equity 0.26) -- balance sheet can absorb a shock. Technical Analyst remains cautious — rsi at 23 is in oversold territory (could mean either capitulation or a bounce setup). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 10.9 is inexpensive for the broad market — Value
- Price-to-book of 1.2x is a discount to asset value — Value
- Dividend yield of 6.0% pays you to wait — Value
- Revenue growing 45.4% YoY -- genuine top-line momentum — Growth
- Low leverage (debt-to-equity 0.26) -- balance sheet can absorb a shock — Risk
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- RSI at 23 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 22, 2026
Overall Committee Score
66/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 32%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.9 is inexpensive for the broad market
Growth Analyst
bullish
60
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 45.4% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bearish
38
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
− RSI at 23 is in oversold territory (could mean either capitulation or a bounce setup)
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.26) -- balance sheet can absorb a shock
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 63.3 to 65.8.
- New bearish signals: 2 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
- Technical Analyst: +1 bearish signal(s).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
22.6
Oversold
MACD Histogram
-0.167
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$26.16
Resistance
$28.72
Bollinger %B
0.08
Inside Bands
Price vs Moving Averages
EMA 9
$29.13
Below
EMA 21
$29.73
Below
EMA 50
$30.07
Below
EMA 200
$28.69
Below
Fundamental Analysis
Valuation
100
Growth
52
Profitability
68
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
11.5×
P/B Ratio
1.29×
PEG Ratio
0.75
Dividend Yield
3.84%
52W High
$32.47
52W Low
$22.70
Quality & Growth
ROE
1132.2%
ROA
135.1%
Gross Margin
7685.0%
Operating Margin
2976.6%
Revenue Growth YoY
—
Debt / Equity
0.40
AI Fundamental Assessment
P/E ratio of 11.5 (inexpensive relative to a 15-40x range); Price-to-book of 1.3x; PEG ratio of 0.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.3%; Return on assets of 1.4%; Net margin of 23.3%; Gross margin of 76.8%; Current ratio of 0.33 (tight short-term liquidity); Debt-to-equity of 0.40; Free cash flow per share is positive (2.07); Most recent quarter missed estimates by 0.9%; EPS growth decelerating (+6.9% -> +3.2% QoQ); Average YoY EPS growth of 8.5%; Analyst estimates rising over recent quarters
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