Stock Ratings / Financials / RF / dividends

KEY (65) FCNCA (71) CFG (66) BBDO (49) ⌘ Pro Terminal →

Regions Financial Corporation (RF) Dividend Safety Gauge & 10-Year DRIP Compounder

$28.57 -1.07% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.46

Regions Financial Corporation (RF) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $24.60B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Regions Financial Corporation (NYSE: RF) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $28.57 (-1.07% 1D, market cap $24.60B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, RF ranks #302 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RF compare to KEY and FCNCA in the Financials sector?

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Within the Financials sector (Major Banks), RF carries a Roarable C (64/100 RQD), trailing P/E of 11.4x, gross margin of —, and ROIC of 0.1%. By comparison, KEY (KeyCorp) holds a C grade (65/100 RQD, P/E 12.5x, ROIC 2.6%, cap $22.93B) and FCNCA (First Citizens BancShares Inc.) posts a B- grade (71/100 RQD, P/E 12.2x, ROIC 2.6%, cap $26.91B). Among the 5-stock peer group, RF leads on earnings multiple (11.4x) while KEY leads on capital efficiency (2.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RF?

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Per RF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001281761), Regions Financial Corporation generated $0 in revenue, $2.16B in net income, and $2.18B in free cash flow against $158.81B in total assets and $62.87B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $28.46 (-0.38%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 54.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RF)Realized 20D OHLCV Swing Band: ±4.1%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY RF SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit8/20 pts (-12 pt drag)

Macro rate sensitivity & RSI-14 (60.7) create a -12 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$27.01+3.1% Next Q

Q2 (-2Q)

Grade C$27.85+2.3% Next Q

Q3 (-1Q)

Grade C$28.50+0.2% Next Q

Current

Grade C$28.57+1.1% Hist 90D α

Trajectory: C (56) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, RF faces multiple-compression risk if 11.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($28.45) or 200D SMA ($28.69) invalidates the momentum regime and cuts Target Base ($29.34) toward Bear Floor ($22.89).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “RF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

5.51% Total Yield

3.71% Cash ($1.06/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

31.7% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (11% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $28,394

Est. Year-10 Shareholder Yield: $1,565/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.1K

Yr 1

$12.3K

Yr 2

$13.7K

Yr 3

$15.2K

Yr 4

$16.9K

Yr 5

$18.7K

Yr 6

$20.8K

Yr 7

$23.0K

Yr 8

$25.6K

Yr 9

$28.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in RF & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on RF and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

RF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.29%⚡ TESTING RESISTANCE

2026-11-02O $28.39H $28.88L $28.39C $28.57VOL 10.49M

RES: $28.90SUP: $26.14SMA50: $28.45SMA200: $28.69

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RF Butterfly Map → + Track RF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

1.5%/yr Implied 5Y Growth

vs. +9.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for RF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RF)

Financials Rank #302 of 1096 ⚔️ KEY vs RF Full Matrix →

1. Head-to-Head Financials Peer Comparison (RF vs. KEY, FCNCA, CFG, BBDO)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Regions Financial Corporation (RF) ranks #302 by composite RQD confidence (64/100, grade C) and #105 by equity capitalization ($24.60B). Within this direct 5-issuer industry benchmark cohort, RF leads on earnings valuation at 11.4x trailing P/E, while KEY leads on capital efficiency and profitability with 2.6% ROIC and — gross margin. FCNCA currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with RF at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
RF ACTIVE Regions Financial Corporation	C	64/100	11.4x	—	0.1%	-1.07%	$24.60B	Benchmark Subject
KEY KeyCorp	C	65/100	12.5x	—	2.6%	-1.72%	$22.93B	/key-vs-rf →
FCNCA First Citizens BancShares Inc.	B-	71/100	12.2x	—	2.6%	-1.25%	$26.91B	/fcnca-vs-rf →
CFG Citizens Financial Group Inc.	C+	66/100	15.1x	—	2.1%	-2.96%	$27.57B	/cfg-vs-rf →
BBDO Banco Bradesco Sa (each representing one Common Share)	D	49/100	—	—	—	-2.81%	$27.88B	/bbdo-vs-rf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001281761

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Regions Financial Corporation (RF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $2.16B, operating cash flow of $2.18B, and free cash flow of $2.18B (+36.5% YoY). On the balance sheet, RF closed FY2025 with $158.81B in total assets against $62.87B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$2.16B	$2.18B	$2.18B	$158.81B	$62.87B
FY2024 (FY)	2024-12-31	$0	$1.89B	$1.60B	$1.60B	$157.30B	$62.73B
FY2023 (FY)	2023-12-31	$0	$2.07B	$2.31B	$2.31B	$13.53B	$3.17B

3. RF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does RF compare to KEY and FCNCA in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for RF?

Where is RF trading relative to its 50-day, 200-day, and 52-week technical levels?

RF last traded at $28.57 (-1.07% on volume of 11,753,369 shares), positioning the stock +0.42% above its 50-day simple moving average ($28.45) and -0.42% below its 200-day simple moving average ($28.69). Across its 52-week range of $23.59 to $32.47, RF sits at the 56.1% percentile with a 14-day RSI of 60.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($27.40 to $29.74).

RF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does RF pay a dividend and is it safe?

Regions Financial Corporation (RF) offers a 3.71% cash dividend yield ($1.06 annualized) and 5.51% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: RF RQD Cockpit RF 12M Forecast RF Earnings & Move RF Dividends & DRIP RF Insiders & 13F RF Whale Options RF Profit Sankey RF News & Why

ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

RF — Regions Financial Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:13:00Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, RF scores 64 out of 100, grade C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:

Fundamental Cash Engine: 13 / 20. Per the Roarable RQD rating, this reflects ROIC of 0.1% and an FCF yield of 7.6%. The low ROIC is a notable weakness, while the FCF yield provides some offsetting cash support.
Whale 13F Flow: 13 / 20. Per the Roarable RQD rating, this pillar reflects institutional accumulation and options positioning. The score is moderate, indicating neither a strong accumulation signal nor a clear distribution signal.
Insider Conviction: 15 / 20. Per the Roarable RQD rating, this reflects SEC Form 4 and Congressional PTR cluster flow. This is the strongest pillar in the rating.
Macro Regime Fit: 8 / 20. Per the Roarable RQD rating, this reflects a beta of 1.06 and sector sensitivity. This is the weakest pillar and suggests the stock's sensitivity to broader market and sector conditions is a meaningful consideration.
Forensic Balance Sheet: 15 / 20. Per the Roarable RQD rating, this reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 8/9, and a Debt/Equity ratio of 0.5. This is a relative strength in the rating.

For a prospective investor, the balance of pillars suggests a stock whose balance sheet and insider flow are comparatively supportive, while its macro sensitivity and low ROIC are the primary constraints. Upside drivers would likely center on sustained cash generation and balance sheet stability; the valuation tradeoff is that a low forward P/E (10.6) and a 3.71% dividend yield sit alongside a weak ROIC, so the market is pricing in durability questions. The 8/20 macro score implies that outcomes may be more exposed to sector and rate-regime shifts than to company-specific execution alone. This is an analytical framing of the rating, not personalized advice.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
$28.88	$24.6B	11.4	10.6	95	2.53	3.71%	1.06	$23.59 - $32.47	0.1%

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$53.0M	$2156.0M	N/A	$2181.0M	N/A	$62869.9M
FY 2024	$0.0M	$95.0M	$1893.0M	N/A	$1598.0M	N/A	$62726.4M
FY 2023	$0.0M	$212.0M	$2074.0M	N/A	$2308.0M	N/A	$3166.5M

Per the SEC financials, reported net income was $2074.0M (FY 2023), $1893.0M (FY 2024), and $2156.0M (FY 2025), while operating income declined from $212.0M to $95.0M to $53.0M over the same periods. Per the market data, operating margin is 0.8%, gross margin is 0%, and net margin is 31.3%; the source data does not reconcile these margins with the reported revenue figures of $0.0M. Per the market data, ROIC is 0.1%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 8/9, and the Debt/Equity ratio is 0.5. Debt figures per the SEC financials rose sharply between FY 2023 ($3166.5M) and FY 2024 ($62726.4M), a change the source data does not explain.

Recent Catalysts & News Wire Analysis

Per the recent news feed, the most recent item (Yahoo Finance, flagged GREEN as CATALYST) reports that shares rose 2.27% as third-quarter earnings beat estimates despite a revenue shortfall. A marketscreener.com flash reports Q3 adjusted EPS of $0.73 per share versus a FactSet estimate of $0.66. A separate AlphaStreet preview lists the same $0.66 EPS estimate ahead of an October 16 report. A Seeking Alpha item references a 2026 Q3 earnings call presentation dated 2026-10-16. Additional items cover a BancAnalysts Association of Boston conference participation and a TradingView listing for the 4.45% Non-Cumulative Perpetual Preferred Stock, Series E depositary shares. Per the news feed, no risk watch items are explicitly enumerated. Per the Butterfly Supply-Chain Graph, the supply chain is NONE, with no butterfly links and no proprietary signals.

Open Questions

What drove the jump in reported debt from $3166.5M (FY 2023) to $62726.4M (FY 2024), and is that consistent with the reported Debt/Equity of 0.5?
Why do reported net income figures exceed operating income in each period, and what non-operating items account for the difference?
What are the cash balances, EPS figures, and revenue figures for each reported period, given that the filings show N/A or $0.0M?
How do the 0% gross margin and 31.3% net margin in the market data reconcile with the reported financials?
What is the composition of the 13F institutional holdings and the 2026 insider trade activity underlying the 13/20 and 15/20 pillar scores?

RF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Regions Financial Corporation (RF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RF Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 14h ago

Regions Financial Shares Rise 2.27% as Third-Quarter Earnings Beat Estimates Despite Revenue Shortfall

Yahoo Finance report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 17h ago

Regions Financial Corporation 2026 Q3 - Results - Earnings Call Presentation (NYSE:RF) 2026-10-16

Seeking Alpha report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 20h ago

Regions Financial Corporation Depositary Shares, Each Representing a 1/40th Interest in a Share of 4.45% Non-Cumulative Perpetual Preferred Stock, Series E Estimates – BOATS:RF/PE

TradingView report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE AlphaStreet • 23h ago

Regions Financial (RF) Q3 2026 Preview: EPS Est. $0.66, Reports October 16

AlphaStreet report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Regions Financial to Participate in BancAnalysts Association of Boston Conference

Yahoo Finance report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE marketscreener.com • 1d ago

Earnings Flash (RF) Regions Financial Corporation Posts Q3 Adjusted EPS $0.73 per Share, vs. FactSet Est of $0.66

marketscreener.com report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Regions Financial Corporation $RF Stock Purchased by First Bank & Trust

MarketBeat report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Business Wire • 1d ago

Regions Financial Corp. Declares Quarterly Common and Preferred Stock Dividends

Business Wire report covering Regions Financial Corporation (RF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RF Bull vs. Bear Conversation Board — What's Your Call at $28.57?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RF 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $31.19 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is RF (C • RQD 64/100) a Buy at $28.88?

Welcome to the RF (Regions Financial Corporation) Roar Pit. Current RQD Composite is 64/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $21.66 (-25.0%)

Spot @ $28.88

Pump the brakes on RF — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on RF, but look at what you are paying: 11.4x trailing P/E with tightening sector spreads. Unless Regions Financial Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

AL AlphaFlow_Cap Verified K Arena Trader 🐂 BULLISH 🎯 Target: $35.52 (+23.0%)

Spot @ $28.88

RF cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on RF, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $28.88 (52-wk range $23.59 - $32.47), any beat on forward guidance forces shorts and underweight funds to chase.