NAS10027,087+1.72%S&P7,401+0.65%GOLD$4,073−1.00%BTC$75,828−0.15%VIX24.55−12.88%latest tape · as of 20:03 UTC
The Screen · Financials · Banks - Regional
Regions Financial Corporation
RF · a US exchange · USD · Market cap $24.3B · 19,910 employees
Regions Financial Corporation, a financial holding company, provides various banking and related products and services to individual and corporate customers.
FAIL · Does not pass the screen
28.41 USD
Price as of 5 Nov 2026Daily close, not a live quote
Screened 2026-11-05 · the tape above runs as of 20:03 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price28.41 USD at the 5 Nov 2026 close
Our value readUndervalued vs our fair value, as of 5 Nov 2026
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 1.40, read 2026-11-01
Ethical does not pass the values gate
Price28.41 USD
Fair value35.00
Ethical score10.0/100
Value readUndervaluedas of 5 Nov 2026
Our investment reviews on this name
2026-10-30Read Accumulation28.47-0.2% to today Markdown gives way to Accumulation first Accumulation read since July
2026-09-11Read Markdown29.89-5.0% to today ✓Markup gives way to Markdown after a 6% slide in 4 weeks
2026-08-11Read Markup31.88-10.9% to today Accumulation gives way to Markup after a 12% rise in 6 weeks
2026-07-02Read Accumulation28.54-0.5% to today First review on file: Accumulation
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Regions Financial Corporation holds its Accumulation at $28.41. The statistical read favours the buyers, held for 6 days.
As held on the ledger · 2026-11-05
Phase
Accumulation
Quantitative state
The statistical read favours the buyers, held for 6 days
Price at the screen
$28.41
Valuation
11.20 trailing · 10.04 forward price to earnings
Values screen
FAIL· score 10.0
Beta
1.06
The Workings
Five Screens, Shown in Full
Does not pass. Business activity screen
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity: Financials sector
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Regions Financial does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
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Today RF does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Undervalued vs our fair value, as of 5 Nov 2026: it trades at roughly a 17% discount to our $35.00 fair value, moderate competitive moat, 5.20% revenue growth.
Fair value range in USD, drawn from the 2026-11-05 screen. The gold marker is the market price at the same screen. A 18.8% discount to the base estimate.
Where our models see it going: fair-value estimate $35.00, with a range of $32.03 to $53.38, dated to the 2026-11-05 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Regional Lender Trips Over Its Own Ethics Test
Picture a customer walking into a branch for a mortgage or a small business loan. The service feels ordinary, yet Regions Financial sits on the wrong side of our business activity screen, which rules out any deeper look at the numbers.
We pass for one clear reason. The ethical screen flags the firm outright, and that alone ends the conversation regardless of the 11 times forward earnings or the 14 percent gap to our fair value. Moderate moat and single digit revenue growth do not change the call.
The 12 percent return on equity looks respectable on paper but offers little protection once the ethical bar is missed. Consensus targets sit barely above the current price, which adds no margin of safety either. Analysis, not advice.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
RF trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-11-06Accumulation$28.41-0.2%Entry 16
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 1% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (21 analysts) rates it hold, with a mean price target of $31.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 3.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 1% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (21 analysts) rates it hold, with a mean price target of $31.
2026-10-23Markdown$27.45+2.1%Entry 14
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 2.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 4% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (21 analysts) rates it hold, with a mean price target of $31.
2026-10-16Markdown$26.89-0.5%Entry 13
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (21 analysts) rates it hold, with a mean price target of $32. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-15Markdown$27.03+0.0%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (21 analysts) rates it hold, with a mean price target of $32. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Markdown$27.03+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (21 analysts) rates it hold, with a mean price target of $32. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-13Markdown$27.03+0.0%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (21 analysts) rates it hold, with a mean price target of $32. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-12Markdown$27.03-0.8%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (21 analysts) rates it hold, with a mean price target of $32. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-11Markdown$27.26+0.0%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (21 analysts) rates it hold, with a mean price target of $32. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-10Markdown$27.26+0.0%Entry 7
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (21 analysts) rates it hold, with a mean price target of $32. It reported earnings in this window, a natural checkpoint for the thesis.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
