Regions Financial Corporation (RF) Fair Value 2026

RF · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.9 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (20/100)

Quick Summary — As of 2026-08-28, Regions Financial Corporation (RF) trades at $30.33, versus a $31.65 median fair value across its 5 active models — 4.4% above the current price. QOC: 7.9/10. Value Trap Risk: 20/100 (SAFE). 5/13 models active.

Key Facts

Ticker
RF
Price
$30.33
Quality Score
7.9/10
Value Trap Risk
20/100
Models Active
5/13
Last Updated
Strength: Markov DDM suggests +21.2% upside with 55% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Regions Financial Corporation (RF) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Regions Financial Corporation (RF) appears fairly valued as of : the median of 5 independent fair value estimates is $31.65, within 4.4% of the current price of $30.33. Estimates range from $21.31 to $43.69. RF scores 7.9/10 on fundamental quality and 20/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. RF’s +4.4% gap is narrower than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Regions Financial Corporation Stock in 2026? →

What Fair Value Does Each Model Give RF?

5 Intrinsic Value Models vs. Current Price ($30.33)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Medium Conviction
 $31.65 +4.4%
Intrinsic · High Conviction
 $36.75 +21.2%
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What Is RF's Fair Value Range?

Spread across 5 independent models · $21.31 to $43.69

CirclFi's 5 active models place Regions Financial Corporation (RF) between $21.31 and $43.69 per share, a spread of 71% of the median. The median of that range — $31.65 — is the fair value CirclFi publishes for RF, against a current price of $30.33.

Low · ML-RIVHigh · Regime Cross
$21.31median $31.65$43.69
Where the range comes from
Most bearish modelML Residual Income$21.31
Most bullish modelRegime Cross-Sectional$43.69
Model agreement2 bullish · 2 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on RF, not a CirclFi price target. How each model works →

What Is Regions Financial Corporation (RF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Regions Financial Corporation presents a highly debated valuation profile at its current price of $30.33. The median intrinsic value is estimated at $31.65 (+4.4% median upside), masking a wide model spread between the 2 bullish models and 2 bearish models. Model dispersion is worth noting: Regime Cross targets $43.69 (+44.0%), versus ML-RIV at $21.31 (-29.8%). This +73.8% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About RF?

5 of 13 models are currently active for RF. Of these, 3 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for RF is $31.65 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does RF Rank in Banks - Regional?

Among 352 Banks - Regional stocks, RF ranks #188 by Quality of Company score. CirclFi's QOC score of 7.9/10 evaluates 32 fundamental signals. A score of 7.9 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Regions Financial Corporation's positioning within the Banks - Regional segment means that net interest margin (NIM) plays an outsized role in fundamental analysis. The sector's unique characteristics — including digital banking adoption — shape both the opportunity set and risk profile.

Is RF a Value Trap?

CirclFi's Value Trap algorithm assigns RF a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Regions Financial Corporation. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Regions Financial Corporation earns a quality score of 7.9/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +73.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every RF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across RF's 5 active models, average confidence is 38%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Regions Financial Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

CNOBConnectOne Bancorp, Inc.QOC 7.9SFBCSound Financial Bancorp, Inc.QOC 7.9EBCEastern Bankshares, Inc.QOC 7.9CATYCathay General BancorpQOC 7.9THFFFirst Financial CorporationQOC 7.9HBIAHills BancorporationQOC 7.9SHGShinhan Financial Group Co., Ltd.QOC 7.4BYByline Bancorp, Inc.QOC 8.9CWBCCommunity West BancsharesQOC 8.3STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: CNOB · SFBC · EBC · CATY · THFF · HBIA · SHG · BY · CWBC · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to RF?

5 companies across all industries closest to RF’s Quality of Company score of 7.9/10.

ABMABM Industries IncorporatedQOC 7.9KGSKodiak Gas Services, Inc.QOC 7.9ETSYEtsy, Inc.QOC 7.9CEGConstellation Energy CorporationQOC 7.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: ABM · KGS · ETSY · CEG · NVDA

Where Does RF Sit in CirclFi's Banks - Regional Rankings?

RF is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Regions Financial Corporation’s Valuation?

What is Regions Financial Corporation's intrinsic value in 2026?

CirclFi puts Regions Financial Corporation (RF)'s intrinsic value at $31.65 — the median of 5 independent model estimates as of 2026-08-28, ranging from $21.31 to $43.69. The Quality of Company score is 7.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is RF overvalued or undervalued right now?

At $30.33, 3 of 5 active models suggest RF may be undervalued, while 2 indicate potential overvaluation. The median of all 5 fair value estimates is $31.65, within 4.4% of the current price of $30.33 — a consensus view that RF is fairly valued. The assessment depends on which methodology best fits Regions Financial Corporation's business model in Banks - Regional.

What does a Quality of Company score of 7.9 mean for RF?

Regions Financial Corporation's QOC of 7.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on RF?

CirclFi analyzes RF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on RF?

Of the 5 models currently active on RF, Regime Cross-Sectional is the most bullish at $43.69 per share, and ML Residual Income is the most bearish at $21.31. CirclFi's published fair value for RF is the median of that range, $31.65, not either extreme. The gap between the two ends equals 71% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is RF a value trap in 2026?

Regions Financial Corporation's Value Trap score is 20/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Regions Financial Corporation (RF) has a median fair value of $31.65 — within 4.4% of the current price of $30.33 — as of 2026-08-28.” Source: circlfi.com/stock/RF/ · Methodology
Primary sources for this RF valuation
  • Financial statements: Regions Financial Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0001281761) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for RF as of ; valuations recomputed .

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