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RF

Regions FinancialB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Q3 adjusted EPS beat the cited $0.66 estimate by $0.07, while lower charge-offs, a 3.68% net interest margin and record fee-business results support a modestly improved operating outlook. Management's Q4 NII projection offers a measurable test.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.2.
What can break
Deposit outflows or higher funding costs could prevent delivery of the projected Q4 NII growth and roughly 3.70% margin. SEC-filed earnings presentation
Momentum
37
Value
58
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $30.50 · Bull $34.00 · Bear $23.50Analysis 2026-10-21; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $30.93
Why
Momentum37 · Δ7d +5.2
Value58 · Δ7d -0.2
Sentiment59 · Δ7d -0.2
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.2.

Contradictions & invalidation

  • • Deposit outflows or higher funding costs could prevent delivery of the projected Q4 NII growth and roughly 3.70% margin. SEC-filed earnings presentation
  • • Fee-business records may prove uneven, while technology and infrastructure spending could pressure operating leverage. Company earnings release
  • • The beat has not produced uniformly positive analyst revisions: Stephens reduced its target to $30 from $32 while maintaining Equal-Weight, and RBC reduced its target to $32 from $34 while maintaining Outperform.

Catalyst clock

2026-10-21

Q3 earnings beat meets mixed post-print revisions

Lead driver: Value · See fundamentals
Momentum
37
8% active weight
Current posture
7d trendImproving
Δ7d
+5.2
Δ21d
+11.5
Value
58
47% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
-1.0
Sentiment
59
45% active weight
Current posture
7d trendSoftening
Δ7d
-0.2
Δ21d
-13.1
Why this grade

Composite grade B. Momentum 36.5 / Value 58.4 / Sentiment 59.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-21. Scenario method

B+
Bull case
30%
Probability
Target price
$34.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$30.50
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$23.50
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$24.25B
Beta
1.05
Shares Out
851.93M
P/E (TTM)
12.4
P/S (TTM)
3.34
P/FCF (TTM)
25.50
Rev YoY
-2.3%
EPS YoY
+8.0%
Gross Margin
-
Op Margin
+30.0%
Net Debt
-$5.48B
Current Ratio
0.10
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data