Regions Financial (BSP:R1FC34) E10: R$10.32 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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BSP:R1FC34 Regions Financial Corp BSP:R1FC34
72 GF Score
Price R$157.28
GF Value R$124.28
! 7 Warning Signs
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What is Regions Financial E10?

Regions Financial BSP:R1FC34 72 E10 is R$10.32 as of Mar. 2026. GuruFocus rates BSP:R1FC34 with a GF Score™ of 72/100 and a GF Value™ of R$124.28. The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Regions Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was R$3.242. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is R$10.32 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Regions Financial's average E10 Growth Rate was 10.30% per year. During the past 3 years, the average E10 Growth Rate was 9.60% per year. During the past 5 years, the average E10 Growth Rate was 13.60% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Regions Financial was 34.70% per year. The lowest was -114.20% per year. And the median was 6.40% per year.

As of today (2026-07-20), Regions Financial's current stock price is R$157.28. Regions Financial's E10 for the quarter that ended in Mar. 2026 was R$10.32. Regions Financial's Shiller PE Ratio of today is 15.24.

During the past 13 years, the highest Shiller PE Ratio of Regions Financial was 31.37. The lowest was 8.54. And the median was 14.31.


Regions Financial  (BSP:R1FC34) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Regions Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=157.28/10.32
=15.24

* 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 Shiller P/E Ratio of Regions Financial was 31.37. The lowest was 8.54. And the median was 14.31.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Regions Financial E10 Related Terms


Regions Financial E10 Historical Data

* Premium members only.

The historical data trend for Regions Financial's E10 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 E10 Chart

Regions Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.25 8.36 6.65 11.61 9.55

Regions Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 9.77 10.85 9.55 10.32 0.00

BSP:R1FC34 vs KEY, FCNCA, CFG: E10 Comparison

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

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

* The bar in red indicates where Regions Financial's Shiller PE Ratio falls into.


BSP:R1FC34
72GF Score
Regions Financial Corp BSP:R1FC34
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Regions Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=3.242/330.2130*330.2130
=3.242

Current CPI (Mar. 2026) = 330.2130.

Regions Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.685 241.018 0.939
201609 0.781 241.428 1.068
201612 0.771 241.432 1.055
201703 0.719 243.801 0.974
201706 0.824 244.955 1.111
201709 0.783 246.819 1.048
201712 0.890 246.524 1.192
201803 1.148 249.554 1.519
201806 1.207 251.989 1.582
201809 2.054 252.439 2.687
201812 1.437 251.233 1.889
201903 1.421 254.202 1.846
201906 1.427 256.143 1.840
201909 1.607 256.759 2.067
201912 1.560 256.974 2.005
202003 0.684 258.115 0.875
202006 -1.297 257.797 -1.661
202009 2.808 260.280 3.562
202012 3.138 260.474 3.978
202103 3.550 264.877 4.426
202106 3.872 271.696 4.706
202109 3.431 274.310 4.130
202112 2.432 278.802 2.880
202203 2.737 287.504 3.144
202206 2.978 296.311 3.319
202209 2.255 296.808 2.509
202212 3.672 296.797 4.085
202303 3.229 301.836 3.533
202306 2.864 305.109 3.100
202309 2.420 307.789 2.596
202312 1.911 306.746 2.057
202403 1.843 312.332 1.949
202406 2.801 314.175 2.944
202409 2.714 315.301 2.842
202412 3.417 315.605 3.575
202503 2.937 319.799 3.033
202506 3.272 322.561 3.350
202509 3.271 324.800 3.326
202512 3.164 324.054 3.224
202603 3.242 330.213 3.242

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of R$10.32 mean?
Regions Financial (BSP:R1FC34) has a E10 of R$10.32 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Regions Financial and its competitors.
Is Regions Financial's E10 too high?
Regions Financial's current E10 is R$10.32. 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 E10 compare to KEY and FCNCA?
Regions Financial's E10 of R$10.32 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Regions Financial and its competitors. Regions Financial's current E10 is R$10.32. 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 (BSP:R1FC34) has a current E10 of R$10.32. The stock's GF Value™ is R$124.28, compared to a current price of R$157.28 — trading 26.6% above its estimated fair value. The current E10 is R$10.32. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Regions Financial (BSP:R1FC34), the current E10 is R$10.32 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 (BSP:R1FC34) Overvalued in 2026?

Based on GuruFocus' analysis, Regions Financial stock appears to be overvalued. The current stock price of R$157.28 is trading 26.6% above its estimated GF Value™ of R$124.28.

Key valuation signals for BSP:R1FC34:

  • E10: R$10.32
  • GF Value™: R$124.28 vs. price of R$157.28 (26.6% above fair value)
  • GF Score™: 72/100 with 7 warning signs

No single metric tells the full story. See the BSP:R1FC34 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 BSP:R1FC34

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$157.28
Price
R$124.28
GF Value