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Regions FinancialMEX:RF 72 Cash-to-Debt is 1.34 as of Jun. 2026, which is 15% below its 10-year median of 1.58. GuruFocus rates MEX:RF with a GF Score™ of 72/100 and a GF Value™ of MXN438.23. The stock has 7 warning signs investors should review. Among 1,485 Banks companies, Regions Financial ranks worse than 50.84% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Regions Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.34.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Regions Financialcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Regions Financial's Cash-to-Debt or its related term are showing as below:
MEX:RF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.24 Med: 1.58 Max: 12.22
Current: 1.34
During the past 13 years, Regions Financial's highest Cash to Debt Ratio was 12.22. The lowest was 0.24. And the median was 1.58.
MEX:RF's Cash-to-Debt is ranked worse than 50.84% of 1485
companies
in the Banks industry
Industry Median: 1.4
vs MEX:RF: 1.34
Regions Financial (MEX:RF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Regions Financial Cash-to-Debt Related Terms
Regions Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Regions Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
MEX:RF vs FCNCA, KEY, CFG: Cash-to-Debt Comparison
For the Banks - Regional subindustry, Regions Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Regions Financial Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Regions Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Regions Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Regions Financial (MEX:RF) has a Cash-to-Debt of 1.34 as of Jun. 2026. This is 15% below median its historical median of 1.58. Over the past decade, Regions Financial's Cash-to-Debt has ranged from 0.24 to 12.22. According to the industry distribution chart, Regions Financial ranks #755 out of 1485 companies in the Banks industry, placing it in the top 50.8%.
Is Regions Financial's Cash-to-Debt too high?
Regions Financial's current Cash-to-Debt of 1.34 is 15% below median its 10-year median of 1.58. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 12.22. The Banks industry median Cash-to-Debt is 1.40. Regions Financial's value of 1.34 is 4.3% below this industry median. Based on the distribution chart, Regions Financial ranks #755 out of 1485 companies in the Banks industry, which is below the industry midpoint. Overall, Regions Financial has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Regions Financial's Cash-to-Debt compare to FCNCA and KEY?
According to the Banks industry distribution chart, Regions Financial ranks #755 out of 1485 companies for Cash-to-Debt. This places Regions Financial in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Regions Financial's value of 1.34 is 4.3% below this benchmark. Historically, Regions Financial's own Cash-to-Debt has ranged from 0.24 to 12.22 over the past decade. While the company's 10-year median is 1.58 vs. the industry median of 1.40, Regions Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,485 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regions Financial's current Cash-to-Debt of 1.34 is 4.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regions Financial's current Cash-to-Debt is 1.34, which is 15% below median its own 10-year median of 1.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Regions Financial stock overvalued right now?
Regions Financial (MEX:RF) has a current Cash-to-Debt of 1.34. The stock's GF Value™ is MXN438.23, compared to a current price of MXN501.00 — trading 14.3% above its estimated fair value. The current Cash-to-Debt is 1.34, which is 15% below median its 10-year median of 1.58 and 4.3% below the Banks industry median of 1.40. Regions Financial's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Regions Financial (MEX:RF), the current Cash-to-Debt is 1.34 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Regions Financial (MEX:RF) Overvalued in 2026?
Based on GuruFocus' analysis, Regions Financial stock appears to be overvalued.
The current stock price of MXN501.00 is trading 14.3% above its estimated GF Value™ of MXN438.23.
Key valuation signals for MEX:RF:
Cash-to-Debt: 1.34 (15% below median its 10-year median of 1.58)
GF Value™: MXN438.23 vs. price of MXN501.00 (14.3% above fair value)
Industry Position: 4.3% below the Banks median (#755 of 1485)
No single metric tells the full story. See the MEX:RF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Regions Financial is one of the midsized regional banks in the US, with around $160 billion in total assets as of the end of first quarter of 2026. Headquartered in Birmingham, Alabama, Regions Financial has a footprint mostly in the US Southeast. The bank provides a diversified set of financial services in retail banking, commercial banking, card and treasury management, wealth management, and capital markets.
72GF Score
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