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.
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.
Regions FinancialRF +0.27%71 3-Year EPS without NRI Growth Rate is 1.30% as of Jun. 2026, which is 82% below its 10-year median of 7.20. GuruFocus rates RF with a GF Score™ of 71/100 and a GF Value™ of $26.48 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,410 Banks companies, Regions Financial ranks worse than 68.87% on this metric.
During the past 12 months, Regions Financial's average EPS without NRI Growth Rate was 12.50% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 1.30% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 8.60% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 11.30% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Regions Financial was 73.00% per year. The lowest was -49.50% per year. And the median was 7.20% per year.
Regions Financial (NYSE:RF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Regions Financial 3-Year EPS without NRI Growth Rate Related Terms
RF vs FCNCA, KEY, CFG: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Regions Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Regions Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Regions Financial's 3-Year EPS without NRI Growth Rate falls into.
Regions Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 1.30% mean?
Regions Financial (RF) has a 3-Year EPS without NRI Growth Rate of 1.30% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Regions Financial and its competitors. This is 82% below median its historical median of 7.20. According to the industry distribution chart, Regions Financial ranks #971 out of 1410 companies in the Banks industry, placing it in the top 68.9%.
Is Regions Financial's 3-Year EPS without NRI Growth Rate too high?
Regions Financial's current 3-Year EPS without NRI Growth Rate of 1.30% is 82% below median its 10-year median of 7.20. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Regions Financial's value of 1.30% is 82.7% below this industry median. Based on the distribution chart, Regions Financial ranks #971 out of 1410 companies in the Banks industry, which is below the industry midpoint. Overall, Regions Financial has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Regions Financial's 3-Year EPS without NRI Growth Rate compare to FCNCA and KEY?
According to the Banks industry distribution chart, Regions Financial ranks #971 out of 1410 companies for 3-Year EPS without NRI Growth Rate. This places Regions Financial in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Regions Financial's value of 1.30% is 82.7% below this benchmark. While the company's 10-year median is 7.20 vs. the industry median of 7.50, 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,410 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regions Financial's current 3-Year EPS without NRI Growth Rate of 1.30% is 82.7% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Regions Financial and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regions Financial's current 3-Year EPS without NRI Growth Rate is 1.30%, which is 82% below median its own 10-year median of 7.20. 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 (RF) is currently considered Modestly Overvalued. The stock's GF Value™ is $26.48, compared to a current price of $31.79 — trading 20% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 1.30%, which is 82% below median its 10-year median of 7.20 and 82.7% below the Banks industry median of 7.50. Regions Financial's overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Regions Financial (RF), the current 3-Year EPS without NRI Growth Rate is 1.30% 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 (RF) Overvalued in 2026?
Based on GuruFocus' analysis, Regions Financial stock appears to be overvalued.
The current stock price of $31.79 is trading 20% above its estimated GF Value™ of $26.48.
GuruFocus considers Regions Financial to be Modestly Overvalued.
Key valuation signals for RF:
3-Year EPS without NRI Growth Rate: 1.30% (82% below median its 10-year median of 7.20)
GF Value™: $26.48 vs. price of $31.79 (20% above fair value)
Industry Position: 82.7% below the Banks median (#971 of 1410)
No single metric tells the full story. See the 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.
71GF Score
Get the complete analysis for RF
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
RF has been successfully added to your 
