Regions Financial Corp. (RF) intrinsic value & 10-year financials
Regions Financial Corp. (RF) has a Graham intrinsic value of $62.15 per share. At $27.45 on Oct 17, 2026, the stock trades 56% below that value. Over the last 10 fiscal years revenue grew 64.0% a year to $5.0B, with an average return on invested capital of 3.1%.
- Graham intrinsic value
- $62.15
- Share price (Oct 17, 2026)
- $27.45
- Price vs Graham value
- 56% below
- Market cap
- $24.6B
- Revenue (FY2025)
- $5.0B
- Revenue growth (10-yr CAGR)
- 64.0%
- ROIC (10-yr avg)
- 3.1%
- Free cash flow (FY2025)
- $2.0B
RF 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $5.0B | $2.2B | $2.30 | $2.0B | 1.1% | 0.3% |
| FY2024 | $4.8B | $1.9B | $1.93 | $1.4B | 2.0% | 0.6% |
| FY2023 | $5.3B | $2.1B | $2.11 | $2.1B | 4.0% | 1.7% |
| FY2022 | $4.8B | $2.2B | $2.28 | $3.0B | 1.2% | -5.2% |
| FY2021 | $104.0M | $2.5B | $2.49 | $2.9B | 44.2% | -1.5% |
| FY2020 | $84.0M | $1.1B | $1.03 | $2.2B | — | 8.5% |
| FY2019 | $79.0M | $1.6B | $1.50 | $2.4B | — | 6.6% |
| FY2018 | $71.0M | $1.8B | $1.54 | $2.1B | — | 7.6% |
| FY2017 | $60.0M | $1.3B | $1.00 | $2.1B | — | 6.3% |
| FY2016 | $58.0M | $1.2B | $0.87 | $1.7B | — | 6.1% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Regions Financial Corporation is a consistent compounder, expanding top-line revenue at 64.0% annually over the past decade.
Regions Financial Corporation has historically struggled to out-earn its cost of capital, averaging just 3.1% ROIC.
Over the decade, Regions Financial Corporation shows that management has aggressively returned capital to shareholders by retiring 28.9% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Regions Financial Corporation is modeled at 11.4% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $62.15 per share.