Regions Financial (FRA:RN7) Cyclically Adjusted Book per Share: €16.01 (As of Mar. 2026)

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FRA:RN7 Regions Financial Corp FRA:RN7
72 GF Score
Price €27.10
GF Value €21.92
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Regions Financial Cyclically Adjusted Book per Share?

Regions Financial FRA:RN7 +0.93% 72 Cyclically Adjusted Book per Share is €16.01 as of Mar. 2026. GuruFocus rates FRA:RN7 with a GF Score™ of 72/100 and a GF Value™ of €21.92 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Regions Financial's adjusted book value per share for the three months ended in Mar. 2026 was €17.628. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €16.01 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Regions Financial's average Cyclically Adjusted Book Growth Rate was 5.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.30% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.00% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 1.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Regions Financial was 8.00% per year. The lowest was -9.30% per year. And the median was 5.10% per year.

As of today (2026-07-15), Regions Financial's current stock price is €27.10. Regions Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €16.01. Regions Financial's Cyclically Adjusted PB Ratio of today is 1.69.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Regions Financial was 1.68. The lowest was 0.53. And the median was 1.23.


Regions Financial  (FRA:RN7) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Regions Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=27.10/16.01
=1.69

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Regions Financial was 1.68. The lowest was 0.53. And the median was 1.23.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Regions Financial Cyclically Adjusted Book per Share Related Terms


Regions Financial Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Regions Financial's Cyclically Adjusted Book per Share 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.

Regions Financial Cyclically Adjusted Book per Share Chart

Regions Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.42 15.19 15.57 17.12 15.92

Regions Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 16.42 15.53 15.76 15.92 16.01

FRA:RN7 vs KEY, FCNCA, CFG: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Regions Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Regions Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Regions Financial's Cyclically Adjusted PB Ratio falls into.


FRA:RN7
72GF Score
Regions Financial Corp FRA:RN7
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Regions Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Regions Financial's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=17.628/330.2130*330.2130
=17.628

Current CPI (Mar. 2026) = 330.2130.

Regions Financial Quarterly Data

Book Value per Share CPI Adj_Book
201606 11.710 241.018 16.044
201609 11.924 241.428 16.309
201612 12.366 241.432 16.913
201703 12.338 243.801 16.711
201706 11.928 244.955 16.080
201709 11.383 246.819 15.229
201712 11.454 246.524 15.342
201803 10.870 249.554 14.383
201806 11.489 251.989 15.055
201809 11.327 252.439 14.817
201812 12.204 251.233 16.041
201903 12.836 254.202 16.674
201906 13.487 256.143 17.387
201909 14.377 256.759 18.490
201912 14.089 256.974 18.104
202003 15.144 258.115 19.374
202006 14.749 257.797 18.892
202009 14.366 260.280 18.226
202012 14.083 260.474 17.854
202103 14.170 264.877 17.665
202106 14.428 271.696 17.535
202109 15.090 274.310 18.165
202112 15.660 278.802 18.548
202203 14.914 287.504 17.129
202206 15.033 296.311 16.753
202209 14.607 296.808 16.251
202212 14.433 296.797 16.058
202303 15.214 301.836 16.644
202306 14.735 305.109 15.947
202309 14.420 307.789 15.471
202312 15.679 306.746 16.878
202403 15.419 312.332 16.302
202406 15.750 314.175 16.554
202409 16.783 315.301 17.577
202412 16.992 315.605 17.778
202503 17.315 319.799 17.879
202506 16.785 322.561 17.183
202509 17.037 324.800 17.321
202512 17.409 324.054 17.740
202603 17.628 330.213 17.628

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €16.01 mean?
Regions Financial (FRA:RN7) has a Cyclically Adjusted Book per Share of €16.01 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Regions Financial and its competitors.
Is Regions Financial's Cyclically Adjusted Book per Share too high?
Regions Financial's current Cyclically Adjusted Book per Share is €16.01. Overall, Regions Financial has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Regions Financial's Cyclically Adjusted Book per Share compare to KEY and FCNCA?
Regions Financial's Cyclically Adjusted Book per Share of €16.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Regions Financial and its competitors. Regions Financial's current Cyclically Adjusted Book per Share is €16.01. 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?
Based on GuruFocus' analysis, Regions Financial (FRA:RN7) is currently considered Modestly Overvalued. The stock's GF Value™ is €21.92, compared to a current price of €27.10 — trading 23.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is €16.01. 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 Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Regions Financial (FRA:RN7), the current Cyclically Adjusted Book per Share is €16.01 as of Mar. 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 (FRA:RN7) Overvalued in 2026?

Based on GuruFocus' analysis, Regions Financial stock appears to be overvalued. The current stock price of €27.10 is trading 23.6% above its estimated GF Value™ of €21.92. GuruFocus considers Regions Financial to be Modestly Overvalued.

Key valuation signals for FRA:RN7:

  • Cyclically Adjusted Book per Share: €16.01
  • GF Value™: €21.92 vs. price of €27.10 (23.6% above fair value)
  • GF Score™: 72/100 with 7 warning signs

No single metric tells the full story. See the FRA:RN7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Regions Financial Business Description

Address 1900 Fifth Avenue North, Birmingham, AL, USA, 35203
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

Get the complete analysis for FRA:RN7

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€27.10
Price
€21.92
GF Value