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The Screen · Financials · Banks - Regional
Regions Financial Corporation
RF · a US exchange · USD · Market cap $25.5B · 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
29.89 USD
At the last full screen 2026-09-09
Screened 2026-09-09 · the tape above runs as of 15:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markdown label.
Regions Financial Corporation holds its Markdown at $29.89. The statistical read favours the sellers, held for 263 days.
As held on the ledger · 2026-09-09
Phase
Markdown · caution
Quantitative state
The statistical read favours the sellers, held for 263 days
Price at the screen
$29.89
Valuation
12.15 trailing · 10.49 forward price to earnings
Values screen
FAIL· score 10.0
Beta
1.00
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.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads AVOID: it trades at roughly a 20% discount to our $36.00 fair value, moderate competitive moat, 3.40% revenue growth.
Fair value range in USD, drawn from the 2026-09-09 screen. The gold marker is the market price at the same screen. A 20.4% margin of safety to the base estimate.
Third-party analyst targets: 20 covering, consensus Hold. The average target sits +11% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-09 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.
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
2026-09-11Markdown · changed$29.89-6.2%Entry 5
The framework has shifted from markup to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 6.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, 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 (20 analysts) rates it hold, with a mean price target of $33.
2026-08-11Markup · changed$31.88+11.7%Entry 4
The framework has shifted from accumulation to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 11.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, 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 (19 analysts) rates it hold, with a mean price target of $31.
2026-07-18Accumulation$28.54+0.0%Entry 3
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. 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 excellent risk-adjusted returns. Our composite framework grades it B, 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 (19 analysts) rates it hold, with a mean price target of $31.
2026-07-03Accumulation$28.54+0.0%Entry 2
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. 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 excellent risk-adjusted returns.
2026-07-02Accumulation$28.54Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
