MEDIUM confidence: 100% data completeness, but the composite (60) sits in the indecisive 30–70 range — strong-buy and short calls require a more decisive composite. What does confidence mean?
Technical context for active traders — derived from price, the 50/200-day moving averages, the 52-week range, and recent volume. Not part of the QScore.
Fama-French 5-factor (2×3) + Momentum, monthly OLS with Newey-West errors. Bars show signed factor betas; faded bars/figures aren't statistically significant.
Dated events from the market calendar; the “also watch” items are AI-generated observations from QScoring data. Informational only — not investment advice, and dates can change.
AI classification of policy/regulatory sensitivity from the company's sector, industry, and business description. Exposure/sensitivity only — not a political opinion, a prediction of government action, or investment advice. As of 2026-07-10.
| Metric (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $6.6B— | $7.5B+13.3% | $9.2B+22.3% | $9.4B+2.4% | $9.6B+2.5% |
| EPS (dil.) | $2.49— | $2.28-8.4% | $2.11-7.5% | $1.93-8.5% | $2.29+18.7% |
| Free Cash Flow | $3.0B— | $2.8B-4.9% | $2.2B-23.6% | $1.5B-32.5% | $2.2B+48.1% |
| Gross Margin | 105.4% | 92.2%-13.3pp | 76.7%-15.4pp | 70.4%-6.4pp | 74.6%+4.3pp |
| Operating Margin | 48.7% | 38.4%-10.2pp | 28.5%-10.0pp | 25.1%-3.4pp | 28.5%+3.4pp |
| Net Margin | 38.2% | 30.0%-8.2pp | 22.7%-7.4pp | 20.2%-2.5pp | 22.4%+2.2pp |
Absolute figures with year-over-year change. Margins show the level with the change in percentage points (pp). “n/m” = not meaningful (prior ≤ 0); ⚠ marks a large percentage off a small base — read the dollar figure.
Avg target $33 (last qtr, 10 analysts) → $34 (last mo, 6) (+2.5%).
Buy-rated share 36% → 27% over ~3 months (-9pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jul 2026 | $0.63 | $0.68 | +8.1% |
| Apr 2026 | $0.60 | $0.62 | +3.9% |
| Jan 2026 | $0.61 | $0.57 | -6.7% |
| Oct 2025 | $0.60 | $0.63 | +5.5% |
| Jul 2025 | $0.56 | $0.60 | +7.3% |
| Apr 2025 | $0.51 | $0.54 | +6.3% |
| Jan 2025 | $0.55 | $0.59 | +7.3% |
| Oct 2024 | $0.53 | $0.49 | -7.5% |
Net buyback (repurchases less issuance) ÷ market cap, plus trailing dividend yield.
Net insider -$196K over 180 days (0 open-market buys, 1 sells). Insider buying is the informative signal; routine selling is normal.
Short interest, days-to-cover, and institutional-ownership change require a data-plan upgrade (not yet available).
Forward-return IC, quintile spread & hit rate publish on /performance as the tracking panel accrues enough no-look-ahead history.
Working the DCF backward: holding the assumptions below, this is the free-cash-flow growth today's price implies over the next 10 years. It is a read on the price's embedded expectations — not a fair-value or target price.
The price implies FCF growth below the analyst consensus of 4.3%/yr (revenue basis).
Base free cash flow $1.9B (avg FY2023–FY2025; latest year $2.2B) · equity value $27.0B · levered FCF discounted at the cost of equity. Reverse DCF is illustrative, not advice.
The QScore of 60 for Regions Financial Corporation suggests a moderately attractive stock, driven by its strong momentum, with a 12-month return of 28.3% and a bullish 50-day versus 200-day moving average. The stock's value score is neutral, trading at a P/E of 12.7, while its growth score is somewhat lower, reflecting modest revenue growth of 2.5%. The short-term score is slightly higher than the long-term score, indicating some recent strength, with the stock exhibiting strong price momentum and a relatively low risk profile, as evidenced by a beta of 1.0.