Is REGIONS FINANCIAL CORP (RF) undervalued?
REGIONS FINANCIAL CORP trades on a P/E of 12.35 against earnings growth of 0.3% a year over the last 3 years, giving a PEG ratio of 42.37 — above the 2.0 level conventionally read as expensive relative to growth.
Earnings figures are measured from RF’s filed annual accounts, not estimated. PEG compares price to earnings growth alone — it says nothing about debt, cash generation, or what an acquirer would pay. Read it alongside the figures below rather than on its own.
What it would cost to buy RF
Enterprise value is not shown for RF: enterprise value is not meaningful for banks and insurers, whose debt is an operating input rather than financing.
| Measure | Value |
|---|---|
| Diluted earnings per shareto 2025-12-31 | $2.30 |
| P/E ratioto 2025-12-31 | 12.4 |
| Earnings growth (3-year CAGR)to 2025-12-31 | 0.3% |
| PEG ratioto 2025-12-31 | 42.4 |
| Market capitalisationto 2026-08-05 | $24.20B |
| Total debtto 2026-06-30 | $7.63B |
| Net debtto 2026-06-30 | −$2.30B |
| Enterprise value | — |
| EBITDAto 2025-12-31 | $137.0M |
| Free cash flow | — |
| EV / EBITDA | — |
| EV / Sales | — |
| Free cash flow yield | — |
| Net debt / EBITDAto 2025-12-31 | −16.8× |
| Return on capital employedto 2025-12-31 | 0.2% |
Earnings growth is measured across REGIONS FINANCIAL CORP’s own filed annual accounts. PEG conventionally uses forecast growth from analyst estimates; filings contain only history, so this is trailing growth and will read differently from a PEG quoted elsewhere.
Not shown, and why
- Enterprise value
- enterprise value is not meaningful for banks and insurers, whose debt is an operating input rather than financing.
- Free cash flow
- capital expenditure not reported for a full year.
- EV / EBITDA
- enterprise value is not meaningful for banks and insurers, whose debt is an operating input rather than financing.
- EV / Sales
- enterprise value is not meaningful for banks and insurers, whose debt is an operating input rather than financing.
- Free cash flow yield
- capital expenditure not reported for a full year.
Against the sector
No sector comparison: none of RF’s metrics could be computed alongside a peer median.
Market ratios
Price-based ratios from market data. Anything drawn from a filed statement is in the enterprise-value section above, with its source.
| Metric | Value |
|---|---|
| Price | $28.41 |
| PEGY ratio | — |
| Dividend yield | 4.22% |
| Price / book | — |
| Price / sales | — |
| Return on equity | 13.0% |
| Profit margin | — |
| Operating margin | — |
| Debt / equity | 58.73 |
| Current ratio | — |
| Beta | 1.04 |
| 52-week range | $23.59 – $32.47 |
Not reported for RF: pegy ratio, price / book, price / sales, profit margin, operating margin, current ratio. A dash means the figure was not available from the source, not that it is zero.
Compare and chart
Compare RF vs Competitors
Use the calculator below to see how RF stacks up against other stocks in the same industry.
Enter a ticker to pull its filings and build the valuation from the statements.
Enter a ticker to begin
Quick picks:
About RF’s valuation
- What is the PEG ratio for REGIONS FINANCIAL CORP (RF)?
- REGIONS FINANCIAL CORP has a PEG ratio of 42.37, from a P/E of 12.35 and earnings growth of 0.3% a year measured across 3 years of filed accounts. That is above the 2.0 level conventionally read as expensive relative to growth. Note that PEG is conventionally quoted against forecast growth; this uses reported history, so it will differ from a PEG you see elsewhere.
- Is RF undervalued right now?
- That depends on the measure. On PEG, RF reads 42.37, above the 2.0 level conventionally read as expensive relative to growth. The PEG ratio compares price to earnings growth alone — it ignores debt, cash generation and asset backing, so it is a starting point rather than a conclusion. The enterprise-value measures above account for debt and cash; they often tell a different story.
- What is the PEGY ratio for RF?
- The PEGY ratio for REGIONS FINANCIAL CORP is —. PEGY adds the dividend yield of 4.22% to the growth rate in the denominator, which gives a fairer reading of companies returning cash as income rather than growth.
- Where do these RF figures come from?
- Market price and capitalisation come from live market data; earnings, growth and dividend figures come from REGIONS FINANCIAL CORP's published financial statements. Every derived ratio on this page shows the arithmetic that produced it.
This page describes published financial data. It is not investment advice and makes no recommendation to buy or sell RF.