Regions Financial (LTS:0KV3) Cyclically Adjusted FCF per Share: $2.72 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LTS:0KV3 Regions Financial Corp LTS:0KV3
72 GF Score
Price $31.07
GF Value $25.17
Valuation Modestly Overvalued
! 8 Warning Signs
View Full Analysis

What is Regions Financial Cyclically Adjusted FCF per Share?

Regions Financial LTS:0KV3 -0.13% 72 Cyclically Adjusted FCF per Share is $2.72 as of Mar. 2026. GuruFocus rates LTS:0KV3 with a GF Score™ of 72/100 and a GF Value™ of $25.17 (Modestly Overvalued). The stock has 8 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Regions Financial's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.994. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $2.72 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Regions Financial's average Cyclically Adjusted FCF Growth Rate was 3.40% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 1.90% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 3.20% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 0.10% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Regions Financial was 11.90% per year. The lowest was -9.80% per year. And the median was 2.80% per year.

As of today (2026-07-30), Regions Financial's current stock price is $31.072. Regions Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $2.72. Regions Financial's Cyclically Adjusted Price-to-FCF of today is 11.42.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Regions Financial was 11.55. The lowest was 3.09. And the median was 7.68.


Regions Financial  (LTS:0KV3) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Regions Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=31.072/2.72
=11.42

* 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 Price-to-FCF of Regions Financial was 11.55. The lowest was 3.09. And the median was 7.68.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Regions Financial Cyclically Adjusted FCF per Share Related Terms


Regions Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Regions Financial's Cyclically Adjusted FCF 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 FCF per Share Chart

Regions Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.30 2.53 2.50 2.53 2.69

Regions Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF 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 2.70 2.70 2.69 2.72 0.00

LTS:0KV3 vs FCNCA, KEY, CFG: Cyclically Adjusted FCF per Share Comparison

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

For the Banks industry and Financial Services sector, Regions Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Regions Financial's Cyclically Adjusted Price-to-FCF falls into.


LTS:0KV3
72GF Score
Regions Financial Corp LTS:0KV3
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Regions Financial Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.994/330.2130*330.2130
=0.994

Current CPI (Mar. 2026) = 330.2130.

Regions Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.266 241.018 0.364
201609 0.478 241.428 0.654
201612 0.206 241.432 0.282
201703 0.592 243.801 0.802
201706 0.338 244.955 0.456
201709 0.696 246.819 0.931
201712 0.251 246.524 0.336
201803 0.133 249.554 0.176
201806 0.449 251.989 0.588
201809 0.526 252.439 0.688
201812 0.928 251.233 1.220
201903 0.554 254.202 0.720
201906 0.732 256.143 0.944
201909 0.761 256.759 0.979
201912 0.509 256.974 0.654
202003 0.815 258.115 1.043
202006 0.880 257.797 1.127
202009 0.688 260.280 0.873
202012 -0.026 260.474 -0.033
202103 0.731 264.877 0.911
202106 0.708 271.696 0.860
202109 0.852 274.310 1.026
202112 0.781 278.802 0.925
202203 0.544 287.504 0.625
202206 0.804 296.311 0.896
202209 0.312 296.808 0.347
202212 1.327 296.797 1.476
202303 0.189 301.836 0.207
202306 0.400 305.109 0.433
202309 0.812 307.789 0.871
202312 0.895 306.746 0.963
202403 0.300 312.332 0.317
202406 0.168 314.175 0.177
202409 1.362 315.301 1.426
202412 -0.250 315.605 -0.262
202503 1.166 319.799 1.204
202506 0.621 322.561 0.636
202509 0.954 324.800 0.970
202512 -0.367 324.054 -0.374
202603 0.994 330.213 0.994

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $2.72 mean?
Regions Financial (LTS:0KV3) has a Cyclically Adjusted FCF per Share of $2.72 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Regions Financial and its competitors.
Is Regions Financial's Cyclically Adjusted FCF per Share too high?
Regions Financial's current Cyclically Adjusted FCF per Share is $2.72. 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 FCF per Share compare to FCNCA and KEY?
Regions Financial's Cyclically Adjusted FCF per Share of $2.72 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Regions Financial and its competitors. Regions Financial's current Cyclically Adjusted FCF per Share is $2.72. 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 (LTS:0KV3) is currently considered Modestly Overvalued. The stock's GF Value™ is $25.17, compared to a current price of $31.07 — trading 23.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $2.72. Regions Financial's overall GF Score™ is 72/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Regions Financial (LTS:0KV3), the current Cyclically Adjusted FCF per Share is $2.72 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 (LTS:0KV3) Overvalued in 2026?

Based on GuruFocus' analysis, Regions Financial stock appears to be overvalued. The current stock price of $31.07 is trading 23.4% above its estimated GF Value™ of $25.17. GuruFocus considers Regions Financial to be Modestly Overvalued.

Key valuation signals for LTS:0KV3:

  • Cyclically Adjusted FCF per Share: $2.72
  • GF Value™: $25.17 vs. price of $31.07 (23.4% above fair value)
  • GF Score™: 72/100 with 8 warning signs

No single metric tells the full story. See the LTS:0KV3 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 LTS:0KV3

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

$31.07
Price
$25.17
GF Value