RF

Regions Financial Corporation ·NYSE·Financial Services
31.61 live · 2026-08-12 15:59

Structural scoring is not meaningful for this business

Structural scoring uses gross margin, free cash flow and Altman Z — measures built for operating companies. For banks, insurers and asset managers they produce artifacts, because the cash-flow statement is dominated by lending and deposit flows rather than operations. Treat the structural and composite figures below as not comparable with other sectors, in either direction.

  • Cost of goods sold is not reported, so gross margin reads as 100%

Some scores are at the bottom of their range

This score sits at the bottom of the 0–100 range. The underlying calculation was negative, so the displayed value is a floor, not a measurement of zero.

  • Tactical Score: displayed 0, underlying value -2.1
20.7% not comparable
Brown Bear Score
40.2% not comparable
Business Conviction Score
21.5%
Position Health Score
7.2%
Chase Risk
Daily closes

Daily closes · 1Y (252 sessions) · +24.8% · range 23.35–32.40

The Businesswhat the company reports

Business & cash flow

OCF / assets 1.4%
FCF / revenue 29.0%
Gross margin 100.0%
ROIC 1.4%
Forward P/E 11.1

This company does not report capital expenditure in the standard filing tag, so free cash flow cannot be derived and FCF/assets is not shown — common for asset managers, REITs, insurers and utilities. OCF/assets is shown instead, and it is the other measure Brown Bear's testing found to survive. Assets are from the latest annual filing (FY2025).

Price vs Earnings growth

Price has run ahead of forward EPS growth by 9.2pp

Confidence 95.0/100

Takeaway Price has moved further than forward earnings growth currently justifies — worth weighing against the rest of the entry case.

Share count

Diluted shares over time

Diluted shares Return since the previous filing

Direction Shrinking — shares retired
Diluted shares 868.0M as at 2026-03-31
Change over 1 year -6.0%
Change over 3 years -9.7%
Public float $20.57bn as at 2025-06-30 (10-K)

History before 2009-12-31 is not shown. The share count jumps at that date by a ratio no ordinary issuance produces — a split whose factor is not in Brown Bear's split store — so earlier figures are on a different basis and cannot be compared with today's.

The Pricewhat the chart is doingTop ↑

Price Levels

StrategyFair Value Anchor
Reference band 30.36 — 31.76
Protective stop 30.06 (Structure, 3.2% risk)
Support 30.32 (2 touches, 4.2% away)
Resistance 32.41 (2.6% away)

Takeaway The shares are nearer the ceiling than the floor: about 2.6% below 32.41, where sellers have turned up before, and 4.2% above 30.32, where buyers have stepped in before. That floor has held 2 times, which is how it was spotted. If someone bought at today's price and sold if it dropped through the level below, they would be about 3.2% out of pocket. That is all this figure means — an illustration of the risk, not a price to sell at.

Levels are computed from price structure. They describe where the engine locates support and extension — they are not targets, and not advice.

Ichimoku Cloud (Adaptive)

Daily cloudPrice ABOVE the cloud | periods 9/26/52 (100% of classic 9/26/52)
LinesTenkan/Kijun BULL | cloud twist BULL
Cloud thickness67% percentile
Chikou spanAbove price from 26 periods ago
Weekly cloudPrice ABOVE the weekly cloud (context only, not scored)

Takeaway The stock is trading above its cloud — a shaded band drawn from several of its own moving averages, currently 29.80 to 30.85. Being above it means the medium-term picture is pointing upwards, and that band is the first place the stock has recent support if it slips back. Its shorter-term averages agree with that.

Trailing returns

21 days +2.2%
63 days +16.4%
126 days +2.5%
252 days +28.3%
Below 252d high2.5%

Trend context

PositionAt trend
ExtensionNormal
Trend slopeRising
Direction of travelHolding its deviation

Takeaway Price is near a rising Kalman fair trend, consistent with a healthy trend setup.

Volatility

State In a squeeze
Current band width6.0% of price
Recent tightest6.0% (1 sessions ago, narrower than 95.0% of its history)
Expansion since1.01×
Band 30.36 — 32.23

Takeaway Lately this share price has been swinging around inside a range roughly 6% wide, and it recently went unusually quiet — calmer than it has been 95% of the time. When a stock goes quiet like this, its next move tends to look big by comparison. But quiet says nothing about which way it will go: Brown Bear tested calm-before-a-move as a reason to buy, and it did not work.

Historical trends

0255075100Share price 29.82–32.402026-07-032026-08-12
Position Health Business Conviction Share price

History begins when the site started recording, not when the company listed, so a short line means a short record and nothing more.

Who's Tradingthe flow behind the priceTop ↑

Insider activity

ActivityNo filings in the window
Buy filings0
Sell filings0

Open-market Form 4 purchases and sales over the last 75 days, read from SEC EDGAR Form 4. Grants, option exercises, gifts and shares withheld for tax are excluded — they are compensation mechanics, not a decision to buy or sell. Reported Form 4 activity. Brown Bear tested insider cluster-buying as a return signal and rejected it as era-unstable; shown as fact, not signal.

Volume confirmation

Volume-price trend Above its signal line
Confirmation Marginal

No absorption or distribution event in the recent window.

Takeaway Slightly more shares change hands on rising days than on falling ones, but the gap is too small to read anything into.

Options Positioning

no listed options chain

Context & Methodthe record, and how it was builtTop ↑

Relative Rotation

ImprovingLeadingLaggingWeakeningvs sectorvs SPYsector vs SPYRS-Ratio →RS-Momentum →

Mixed Rotation Phase

Rotation health 50.8/100; Mixed Rotation.

Rotation health 50.8
Rotation strength 81.9
LegQuadrantRS-RatioRS-Mom
Stock vs sector Improving 89.2 123.4
Stock vs SPY Improving 79.5 102.1
Sector vs SPY Lagging 76.4 91.0

Direction of travel: North-East / strengthening leadership

Position only. Brown Bear's RRG redesign programme is closed — five constructions, none beat an appropriate null — so this section describes where the name sits, and is not a signal.

News Headlines

  1. Loading headlines\u2026

Headlines are supplied by third-party feeds and are not written, ranked or interpreted by Brown Bear. They feed no score on this page.

Detailed Scoring

Positive signals

  • Piotroski F-score 6/9 (+15.0)
  • Gross margin quality: 100.0% (+22.0)
  • FCF margin quality: 29.0% (+19.3)
  • FCF margin improving by 6.4 pts (+4.0)
  • High earnings quality (accrual ratio -0.000) (+2.0)
  • Accrual ratio improving (0.00 -> -0.00) (+5.0)
  • Track 1: MACD histogram state (-0.04) (+3.0)
  • Track 1: bullish DI spread 14.3 (+3.0)
  • Track 1: relative momentum rank 0.67 (+2.4)
  • Track 1: EMA20 reclaim distance 1.2% (+7.0)
  • Track 1: EMA20 slope improving 0.6% (+1.5)
  • Track 1: RSI recovery 65.0, 5-day change +21.1 (+3.8)
  • Track 1: VPT strength 0.01 (+0.3)
  • Track 1: price above EMA50 by 4.1% (+2.6)
  • Track 1: EMA50 slope improving 1.8% (+3.0)
  • Track 1: EMA50 support proximity 4.1% (+1.6)
  • Track 1: Bollinger position 0.66 (+2.7)

Negative signals

  • Track 1: weak volume confirmation (0.59x average)
  • Relative strength versus sector deteriorating
  • Track 1: negative 20-day momentum acceleration (-0.10)
  • Track 1: weak/falling ADX (10.4, falling)
  • Track 1: weak MACD line/signal structure (-8.0)
  • Track 1: MACD slope deteriorating (-3.0)
  • Below-average Altman Z-score (1.32)
  • ROIC improving by -0.0 pts (+-5.0)

Chase risk is not elevated for this name, so extension penalties are omitted from the negative signals above.