Regions Financial

RF · NYSE

$27.85+$0.65 (+2.39%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $27.20

RF analyst rating

HoldConsensus of 18 analysts over the last 12 months. 22% rate it a buy.

Strong buy0
Buy4
Hold11
Underperform3
Sell0

12-month price target · 23 analysts

Average $33.36 (+19.8% upside)

Low: $28.28
Now: $27.85
High: $37.80

Upgrades and downgrades

The latest rating actions, newest first

RF analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Truist Securities	Oct 20, 2026	Maintains	Hold	$31.00 → $30.00	59%
DA Davidson	Oct 19, 2026	Maintains	Neutral	$32.00 → $31.00	61%
RBC Capital	Oct 19, 2026	Maintains	Outperform	$34.00 → $32.00	67%
Stephens & Co.	Oct 19, 2026	Maintains	Equal-Weight	$32.00 → $30.00	67%
Cantor Fitzgerald	Oct 14, 2026	Maintains	Overweight	$35.00 → $32.00	54%
TD Cowen	Oct 8, 2026	Initiates	Hold	$30.00	50%
UBS	Oct 5, 2026	Maintains	Neutral	$33.00 → $30.00	50%
JP Morgan	Oct 2, 2026	Maintains	Neutral	$32.00 → $30.50	46%
Evercore ISI Group	Oct 1, 2026	Maintains	Underperform	$31.00 → $27.00	49%
Morgan Stanley	Sep 28, 2026	Maintains	Equal-Weight	$36.00 → $35.00	52%

The case for and against

Updated Oct 21, 2026

Bull case

Regions Financial is positioned favorably because credit quality has improved materially, with net charge-offs falling to 29bp of average loans in 3Q26 and nonperforming loans dropping to $585M, or 0.59% of loans, while criticized loans also declined sharply. Its earnings power looks durable, as net interest income rose to $1.298B, net interest margin improved to 3.68%, and core fees increased 3.0% to $690M, supported by record Capital Markets revenue and a likely record year in Wealth Management. At the same time, disciplined expense control and capital generation support the case, with the core efficiency ratio improving to 55.8%, management targeting positive operating leverage, and share repurchases stepping up as the bank continues to fund growth and return capital.

Bear case

Regions Financial is facing a negative fundamental setup because slower loan growth, lower average loan balances, and a 2027 net interest income forecast cut to $5.354B point to weaker earnings momentum after 2026. Although deposit costs remain below peers at 1.17%, funding costs rose to 1.97%, deposits fell 1.2% Q/Q, and recurring securities repositioning produced a $15M loss, highlighting ongoing pressure on the balance sheet and revenue mix. Rising AOCI losses to $3.197B, TBV down 8.2% Q/Q to $12.65, and sensitivity to higher deposit betas, credit risk, and regulatory capital demands further support the bearish view.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.