What Is RF Fair Value?
Regions Financial Corporation (RF) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Regions Financial Corporation (RF) has a composite fair value estimate of $43.08 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $31.48, suggesting the stock is undervalued by 36.9%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$43.08
vs. current price of $31.48(+36.9%)
How Is RF Fair Value Calculated?
Four independent models estimate what RF is worth. Each uses different inputs and assumptions. The composite blends them by weight.
RF Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$58.27
+85.1%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$23.43
-25.6%Overvalued
Inputs used
RF Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$34.62
+10.0%Fair Value
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$27.68
-12.1%Fair Value
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $31.48 is 85.1% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $2.19B | $2.02B |
| Year 2 | $2.42B | $2.05B |
| Year 3 | $2.68B | $2.09B |
| Year 4 | $2.97B | $2.13B |
| Year 5 | $3.28B | $2.17B |
| Year 6 | $3.63B | $2.21B |
| Year 7 | $4.01B | $2.25B |
| Year 8 | $4.44B | $2.29B |
| Year 9 | $4.91B | $2.33B |
| Year 10 | $5.43B | $2.37B |
| Terminal Value | $90.54B | $39.50B |
What Are RF's Key Financial Metrics?
Earnings & Growth
Current Price
$31.48
EPS (TTM)
$2.45
Forward P/E
11.0
Profit Margin
31.0%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$20.41
Total Debt
8.1B
What Do Analysts Say About RF?
Low
$28.00
Average
$31.82
High
$36.00
Upside
+1.1%
RF Fair Value FAQ
What is the fair value of RF?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), RF's estimated fair value is $43.08. The stock is currently trading at $31.48, which makes it undervalued by our analysis.
How is RF's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is RF overvalued or undervalued?
Based on our analysis, RF is undervalued. The current price of $31.48 is 36.9% below our estimated fair value of $43.08.
What do Wall Street analysts say about RF?
20 analysts cover Regions Financial Corporation with a consensus rating of "Hold." The average price target is $31.82, ranging from $28.00 to $36.00. This implies 1.1% upside from the current price.