Should I Buy RF? RF 2026 Analysis

Should You Buy Regions Financial Corp (RF) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

28.480

1 Day change

2.21%

52 Week Range

29.250

Analysis Updated At

2026/01/26

Regions Financial Corp (RF) is not a strong buy at the moment for a beginner investor with a long-term strategy. The stock lacks strong positive catalysts, has mixed analyst ratings, and recent financial performance, while stable, does not indicate significant growth potential. The technical indicators and options data suggest a neutral to slightly bearish sentiment, and insider selling further weakens the case for immediate investment.

Technical Analysis

The MACD histogram is negative (-0.129) and expanding, indicating bearish momentum. The RSI is at 39.055, which is neutral but leaning towards oversold territory. Moving averages are converging, showing no clear trend. The stock is trading near its S1 support level of 27.448, with resistance at 28.846. Overall, the technical indicators suggest a neutral to slightly bearish trend.

Options Data

Bullish

Open Interest Put-Call Ratio

Neutral

Option Volume Put-Call Ratio

The options data indicates a slightly bearish sentiment with a higher put-call volume ratio (1.04) and a relatively balanced open interest put-call ratio (0.91). Implied volatility is at 30.62, with a 69.48 IV percentile, suggesting moderate uncertainty.

Technical Summary

Sell

Buy

Positive Catalysts

Record growth in Wealth Management and Treasury Management for 2025 was highlighted by the CEO. Goldman Sachs maintains a Buy rating with a price target of $32, citing solid loan growth and positive operating leverage.

Neutral/Negative Catalysts

Q4 earnings and revenue missed analyst estimates. Insider selling has increased significantly (329.01% over the last month). Analysts have issued multiple downgrades, with concerns about weak guidance, limited catalysts, and a need for increased investment in technology. Wells Fargo and Evercore ISI downgraded the stock to Underweight and Underperform, respectively.

Financial Performance

For Q4 2025, revenue increased by 5.07% YoY to $1.742 billion, net income increased by 1.18% YoY to $514 million, and EPS rose by 3.57% YoY to $0.58. However, the company missed consensus estimates for both earnings and revenue, which raises concerns about its ability to meet expectations.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analyst ratings are mixed to negative. Piper Sandler raised the price target to $31 but maintained a Neutral rating. Morgan Stanley lowered the target to $31 and kept an Equal Weight rating. Wells Fargo and Evercore ISI downgraded the stock to Underweight and Underperform, respectively, citing weak guidance and limited catalysts. Goldman Sachs is the only major firm with a Buy rating and a $32 price target.

16 Analyst Rating

Wall Street analysts forecast RF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for RF is 30 USD with a low forecast of 27 USD and a high forecast of 33 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

7 Buy

7 Hold

2 Sell

Moderate Buy

Current: 27.860

Low

Averages

High

Current: 27.860

Low

Averages

High

Piper Sandler

Neutral

maintain

$29 -> $31

AI Analysis

2026-01-20

Reason

Piper Sandler

Price Target

$29 -> $31

AI Analysis

2026-01-20

maintain

Neutral

Reason

Piper Sandler raised the firm's price target on Regions Financial to $31 from $29 and keeps a Neutral rating on the shares. The firm is fine-tuning our EPS estimates following the company's Q4 results and updated outlook.

Morgan Stanley

Equal Weight

downgrade

$32 -> $31

2026-01-19

Reason

Morgan Stanley

Price Target

$32 -> $31

2026-01-19

downgrade

Equal Weight

Reason

Morgan Stanley lowered the firm's price target on Regions Financial to $31 from $32 and keeps an Equal Weight rating on the shares. The firm views the company's Q4 report as inline. It believes Regions is now done with its strategic run-off in commercial loans.

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RF Should I Buy

RF Should I Buy

Should You Buy Regions Financial Corp (RF) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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