RF Regions Financial Corporation

Financial Services

Price

$31.45

Intrinsic value

$27.76

Buy price

$22.21

Discount

-13.3%

Overvalued

DCF walkthrough

This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.

Discount rate9.00%

Margin of safety20.00%

Operating CF: $1,778,000,000.00
Total debt: $9,484,999,680.00
Cash & STI: $5,001,999,872.00
Shares out.: 857,000,000

Overvalued

Intrinsic value$27.81

Buy price (with MOS)$22.25

Current price$31.45

Discount to intrinsic value-13.1%

7-step quality scorecard

ROE quality

LOW

Average ROE: 12.0%
Current ROE: 11.3%
Minimum ROE: 10.6%

Debt quality

MODERATE

Debt / Equity: 0.50x

Moat proxy

WEAK_PROXY

Cash-flow reliability

NOT_APPLICABLE

Operating CF / Net income: 0.83x

Technical chart

Confluence: NONE (0/3)

Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.

Assumptions & data quality

Data source: yfinance
Growth (g1) source: min(cfCAGR,revenueCAGR)
Valuation model: EXCESS_RETURN
Debt as % of DCF PV: 78.5%
Public economic interest: 99.7%

These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.