RF Stock Analysis: Buy, Sell, or Hold?
RF - Regions Financial Corp.
$27.95
-0.26 (-0.92%)
▼
5d:
-2.1%
30d:
+1.75%
90d:
-8.36%
BUY
MODERATE Confidence
Analysis Updated: May 7, 2026 12:00 AM ET
Earnings: Jul 17, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: RF shows positive signals but monitor for confirmation. Market pricing in 0.6% decline. Moderate conviction.
💡 BUY OPPORTUNITY: RF shows positive signals but monitor for confirmation. Market pricing in 0.6% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$39.22
Based on 6.8% avg growth
INTRINSIC VALUE TODAY
$24.35
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: RF is currently trading at $27.95, which is considered fair relative to its 30-day fair value range of $26.85 to $28.46. The stock's valuation (Forward PE: 9.8) is in line with its historical norms (9.9). Remarkably, the market is currently pricing in an annual earnings decline of 0.6% over the next few years. This pessimistic expectation contrasts with the company's recent 21.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, RF is in a strong uptrend. The price is currently testing key support at $27.56. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, RF is in a strong uptrend. The price is currently testing key support at $27.56. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$26.85 -
$28.46
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
67.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($30.69)
Trading Range Analysis
30-Day Trading Range
$26.85 -
$28.46
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$27.56
Resistance Level
$28.73
Current Trend
Strong Uptrend
Technical data as of
May 7, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.77
Wall Street Target
$30.69
(+9.8%)
Revenue Growth (YoY)
7.3%
Earnings Growth (YoY)
21.6%
Profit Margin
31.0%
Valuation Discount vs History
-0.6% cheaper
PE vs Historical
9.8 vs 9.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.6%
(market-implied from PE analysis)
1-Year Target
$27.78
(-1%)
2-Year Target
$27.62
(-1%)
3-Year Target
$27.45
(-2%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$27.81
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 9.5%)
$82.43
(+195%)
Base:
(SPY PE: 9.8, Growth: 9.5%)
$36.72
(+31%)
Bear:
(PE: 8.3, Growth: 9.5%)
$31.21
(+12%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.71 | Current EPS (TTM): $2.41
Bull Case
$36.83
(+32%)
Analyst growth 18.7%, PE expands to 12.9
Base Case
$33.48
(+20%)
Market implied 18.7%, PE stable at 11.7
Bear Case
$19.18
(-31%)
Severe decline -20.0%, PE contracts to 10.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.8 to 9.9
Stabilization Target:
$28.31
(+1.3%)
PE Expansion Potential:
+1.3%
Share & Embed Analysis
Last updated: May 08, 2026 9:02 AM ET
Data refreshes hourly during market hours. Next update: 10:02 AM
Data refreshes hourly during market hours. Next update: 10:02 AM
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Technical Signals Check
Is RF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
William D Ritter
SELL
36000 shares
2026-01-22
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