On 12 Nov 2026 our base value for Regions Financial Corporation is $24.67 a share, 13.5% below its $28.51 close; 1 of 2 valuation methods put it above the price.
| Method | Value | vs price | Basis |
|---|---|---|---|
| Discounted cash flow | — | — | not used for banks and lenders: deposits and loans are the business, so free cash flow does not describe it; see tangible book |
| Exit multiple (P/E) | $18.11 | -36.5% | earnings per share $2.71 valued at 10× (the 10× floor; the stock's own median P/E is 8.1×) in 5 years, discounted back |
| Sum of the parts | — | — | no sum of the parts: this run holds no segment disclosure for the name |
| Price to sales | — | — | not reached: the cash-flow or earnings methods produced an anchor, so this fallback was not run |
| Tangible book | $31.24 | +9.6% | tangible book $15.39 a share at 2.03× |
| Price to FFO (REITs) | — | — | used only for REITs |
Each working is rebuilt by code from the valuation's own figures and checked against the published value.
Earnings per share grow on the same fading path as the DCF:
| Year | Growth | Earnings per share |
|---|---|---|
| Now | — | $2.71 |
| Year 1 | -0.16% | $2.71 |
| Year 2 | 0.63% | $2.73 |
| Year 3 | 1.22% | $2.76 |
| Year 4 | 1.67% | $2.81 |
| Year 5 | 2.00% | $2.86 |
| Earnings per share in year 5 | $2.86 |
| Exit P/E (the 10× floor; the stock's own median P/E is 8.1×) | 10× |
| Value in 5 years = earnings × P/E | $28.61 |
| Discounted at 9.59% over 5 years: ÷ 1.5804 | $18.11 |
| Shareholders' equity | $19.04bn |
| Less goodwill | $5.73bn |
| Less other intangibles | $140.00m |
| Tangible equity | $13.17bn |
| Shares | 856.00m |
| Tangible book per share | $15.39 |
| Profit attributable to shareholders | $2.16bn |
| Return on tangible equity = profit ÷ tangible equity | 16.37% |
| Cost of equity (the discount rate) | 9.59% |
| Growth (the terminal rate) | 3% |
| Justified price to tangible book = (16.37% − 3%) ÷ (9.59% − 3%) | 2.03× |
| Value per share = multiple × tangible book per share | $31.24 |
The base value is the average of the methods kept in it:
| Method | Value |
|---|---|
| Exit multiple (P/E) | $18.11 |
| Tangible book | $31.24 |
($18.11 + $31.24) ÷ 2 = $24.67
Base value $24.67 a share
One-year price simulation: a 10% chance the price is below $23.72 and a 10% chance it is above $39.74 in a year; a 65% chance it is higher than today's $28.51, from 20.03% volatility. The simulation assumes the price drifts up at our discount rate of 9.59% a year.
| Week | Price | Base value |
|---|---|---|
| 2 Oct 2026 | $27.10 | $23.35 |
| 9 Oct 2026 | $27.03 | $23.03 |
| 16 Oct 2026 | $27.45 | $24.74 |
| 23 Oct 2026 | $28.47 | $25.03 |
| 30 Oct 2026 | $28.57 | $25.23 |
| 6 Nov 2026 | $28.31 | $25.43 |
| 12 Nov 2026 | $28.51 | $24.67 |
Data as of 12 Nov 2026; financials to 30 Sep 2026. Sources: company filings via EODHD, SEC EDGAR, US Treasury. How these values are computed. Not investment advice.
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