RF · NYQ · Financial Services
Regions Financial Corporation
Also onShortfallConsensus DriftCrosscheck
Implied value per share
USD 31.86
Market price
USD 28.97
Implied upside
+10.0%
10-year forecast · Excess returns over book equity · Base case · Price 2026-11-02 · Accounts to 2025-12-31
NoteA financial, valued on excess returns over book equity.
Excess Returns
- Return on equity
- 12.8%
- Payout
- 49%
- Cost of equity
- 9.18%
| Line | FY26 | FY27 | FY28 | FY29 | FY30 | FY31 | FY32 | FY33 | FY34 | FY35 |
|---|---|---|---|---|---|---|---|---|---|---|
| Opening book equity | USD 17.7bn | USD 18.8bn | USD 19.8bn | USD 20.9bn | USD 21.9bn | USD 22.9bn | USD 23.9bn | USD 24.7bn | USD 25.6bn | USD 26.3bn |
| Return on equity | 12.8% | 12.8% | 12.8% | 12.8% | 12.8% | 12.8% | 12.8% | 12.8% | 12.8% | 12.8% |
| Excess return | USD 630.4m | USD 669.2m | USD 707.5m | USD 745.3m | USD 782.0m | USD 817.4m | USD 851.0m | USD 882.6m | USD 911.8m | USD 938.3m |
| Present value | USD 577.4m | USD 561.3m | USD 543.6m | USD 524.4m | USD 504.0m | USD 482.5m | USD 460.1m | USD 437.0m | USD 413.5m | USD 389.7m |
| Book equity | USD 17.7bn |
| Present value of excess returns | USD 4.9bn |
| Terminal, growing at 2.50% | USD 6.0bn |
| Equity value | USD 28.5bn |
| Per share | USD 31.86 |
Discount Rate
| Risk-free rate | 4.89% | US 10-year Treasury (^TNX), 2026-11-02 |
| Equity risk premium | 4.23% | Damodaran, January 2026 |
| Beta | 1.014 | Reported 1.021, pulled toward 1.0 (Blume) |
| Cost of equity | 9.18% | Risk-free + beta x equity risk premium |
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Yahoo Finance and RBA data. General information, not advice. Methodology.