InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$27.45

2026-10-16

Market Cap

$23.4B

Volume

26.0M

52-Wk High

$32.47

52-Wk Low

$22.70

Trailing PE

10.6

P/S

2.44

Gross Margin

77.8%

Net Margin

24.0%

ROE

12%

ROIC

7%

Piotroski

5/9

Altman Z

-0.4

1-Yr Return

+18.7%

5-Yr Return

+156.0%

Regions Financial Corporation (RF) operates as a financial holding company, delivering a comprehensive array of banking and related services to both individual consumers and corporate entities. The firm's operations are strategically divided into three principal divisions: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment specializes in commercial banking solutions. Its extensive offerings include various lending options such as commercial and industrial loans, commercial real estate financing, and investor real estate credit. Furthermore, it provides equipment lease financing, manages diverse deposit products, and offers sophisticated capital markets services like securities underwriting and placement, loan syndication, foreign exchange, derivatives, and merger and acquisition advisory, along with other consulting services. This segment primarily serves corporate clients, middle-market businesses, and developers and investors in commercial real estate. Focusing on individual customers, the Consumer Bank segment delivers a range of personal financial products. These include residential first mortgages, home equity lines of credit and loans, consumer credit cards, and other personal lending facilities, in addition to deposit accounts. The Wealth Management division offers extensive financial planning and asset management services. Its provisions encompass credit-related products, retirement and savings solutions, trust and investment management, and estate planning expertise. Its diverse clientele includes individuals, businesses, governmental organizations, and non-profit entities. Beyond these core banking functions, Regions Financial Corporation also provides investment and insurance products, facilitates the syndication of corporate funds for low-income housing tax credits, and engages in various other specialized financing activities. As of March 1, 2022, the company maintained a significant physical presence, operating through a network of 1,300 banking branches and approximately 2,000 automated teller machines across the Southern, Midwestern, and Texas regions of the United States. Regions Financial Corporation was established in 1971 and its corporate headquarters are located in Birmingham, Alabama.

SectorFinancial ServicesIndustryBanks - RegionalExchangeNYSEMarket Cap$23.4BEmployees19,969 (SEC-filed)CEOJohn Turner Jr.IPO1980-03-17CountryUS

1900 Fifth Avenue North, Birmingham, AL 35203 · Tel 800 734 4667 · regions.com

INSIDERSTREET SCORE44 / 100Street mean $33.75 (8 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$0M sold / 6 mo, zero open-market buys

1 Year vs S&P 500 · RF +18.7% · S&P 500 +15.9% · spread +2.9pp

7 Years vs S&P 500 · RF +156.0% · S&P 500 +189.9% · spread -33.9pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE44of 100

Score Breakdown

Profitability	68/100
Growth	45/100
Momentum	60/100
Quality	72/100
Earnings Quality	82/100
Balance Sheet	56/100
Value	83/100
Risk (safety)	90/100
Overall	43.8/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
FCNCA	50
KEY	44
CFG	55
HBAN	59
MTB	56
EWBC	63
RF	44

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 63 in 23 Q3, latest 44 — -19 since. Dropped below the 55 line in 26 Q1, at 49. Fell in 4 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY44 / 100IS Score 43.8 / 100 · -19.2 from peak of 63

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTURELEAN BULLISHTechnical Score 60 / 100 · Power +20 · 14 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

These two disagree — business quality 44, price structure 60 out of 100, so the price reads better than the business does. We publish the disagreement rather than resolving it: they answer different questions, and the gap between them is information, not an error.

Trigger	Where it stands now	What it would mean
IS Score reaches 55 and holds two consecutive quarters	now 43.8	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 57 → 56 → 49 → 44	the direction matters more than the level
Technical vote share back above 50%	now 64%	price structure no longer broken
Institutional holder count rises two quarters running	peak 1,109 → now 1,109	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score2 of 4top 13% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)0 buysnone disclosed

Insider Buys (180d)0none disclosed

ETF Funds (30d)1118 up / 949 downnet +169 funds

Institutions Added (13F)30managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 1,109 · latest 1,109 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	1,109	750.5M	$22.2B	87.9%
2026 Q1	1,079	704.9M	$18.3B	82.5%
2025 Q4	1,065	752.0M	$21.1B	88.1%
2025 Q3	1,002	729.0M	$19.9B	85.4%
2025 Q2	960	718.6M	$17.6B	84.2%
2025 Q1	947	731.4M	$17.4B	85.6%
2024 Q4	954	732.2M	$17.9B	85.7%
2024 Q3	871	714.3M	$17.3B	83.7%
2024 Q2	818	725.0M	$14.9B	84.9%
2024 Q1	795	725.8M	$15.8B	85.0%
2023 Q4	811	725.2M	$13.9B	84.9%
2023 Q3	785	722.5M	$12.3B	84.6%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Chadha Anil D	Chief Financial Officer	2026-09-10	SELL	1	$0.00M	11,607
Jordan John T.	SEVP	2026-09-01	—	35,784	—	0
Vines Timothy	director	2026-07-15	A-Award	993	—	55,882
Styslinger Lee J Iii	director	2026-07-15	A-Award	993	—	279,409
Crosswhite Mark A.	director	2026-07-15	A-Award	993	—	23,281
Hill J Thomas	director	2026-07-15	A-Award	1,112	—	22,883
Marshall Ruth Ann	director	2026-07-15	A-Award	1,707	—	174,233
Santone Angela R.	SEVP	2026-07-01	EXERCISE	28,411	—	28,411

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	2	7,015	$0.2M	Counted
M — Exercises (paired A/D)	26	363,604	—	None — mechanics
F — Tax withholding	11	155,582	$4.2M	None — compensation
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$0.2M2 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Member	Chamber	Trade	Size band	Traded	Disclosed
Neal P. Dunn	House	SELL	$50,001 - $100,000	2026-05-11	2026-06-24
Neal Patrick Dunn	House	SELL	$50,001 - $100,000	2026-05-11	2026-06-24
Neal Patrick Dunn	House	SELL	$50,001 - $100,000	2026-05-10	2026-06-24
Tommy Tuberville	Senate	SELL	$15,001 - $50,000	2023-12-26	2024-01-12
Tommy Tuberville	Senate	SELL	$15,001 - $50,000	2023-12-26	2024-01-11
Thomas Hawley Tuberville	Senate	SELL	$15,001 - $50,000	2023-12-26	2024-01-11

House 12-Mo6 trades1 purchases

Senate 12-Mo0 tradesNone purchases

CoverageSTOCK Act filings30-45 day disclosure lag

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

13F Filers (last complete Q)1,079

13F Shares705M82.5% of shares out

New / Closed134 / 99positions, QoQ

Increased / Reduced373 / 390positions, QoQ

Put/Call (13F)1.25option positions

Free Float99.5%848M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Assenagon Asset Management S.A.	1.7M	$45M
Wealth Enhancement Advisory Servic	630,454	$17M
First Citizens Bank & Trust Co	617,185	$17M
Venture Visionary Partners Llc	539,136	$14M
Y-Intercept	445,672	$12M
Fjarde Ap-Fonden /Fourth Swedish N	346,734	$9M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.0%	$725M
VSMPX	0.0%	$725M
VTI	0.0%	$725M
VTSAX	0.0%	$725M
SCHD	0.6%	$646M
VFIAX	0.0%	$601M

13F Filers Holding RF — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session61.3%2026-10-15

20-Day Avg67.0%50-day 69.2%

TrendFalling20d vs 50d

By Market CenterQ: 61% · N: 71% · B: 81%latest session

Weekly Notional ($B)

Where RF Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	14.2M	150 sh
Ubsa Ubs Ats	6.2M	104 sh
Ebxl Level Ats	5.4M	51 sh
Mstx Ms Trajectory Cross (Ats-1)	4.5M	119 sh
Bids Bids Ats	4.3M	911 sh
Sgmt Sigma X2	3.4M	111 sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Where a dollar of Regions Financial Corporation revenue goes. All values FY2025 filings, live.

RF (live moat model)Peer median: FCNCA · KEY · CFG · HBAN · MTB

Component scores from the live moat model. Peer median illustrative.

Moat score 52/100 — Weak; primary source Intangible Assets.

3.8 · Employees (SEC filings)

Officer	Title
John Turner Jr.	President, Chief Executive Officer & Chairman
Charles Dandridge Massey	Senior EVice President and Chief Enterprise Operations & Technology Officer
Anil D. Chadha	Senior Executive VP & CFO
David R. Keenan	Senior Advisor

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Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)5 of 6recent quarters

Avg Surprise+4.7%

Next Report2027-01-15

Income Quality0.80OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	-0.6%	+13.3%	+22.3%	+2.4%	+2.5%
Gross profit	+40.7%	-0.9%	+1.9%	-6.1%	+8.7%
Operating income	+144.7%	-10.5%	-9.4%	-9.7%	+16.5%
Net income	+130.4%	-10.9%	-7.6%	-8.7%	+13.9%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	6.6	7.5	9.2	9.4	9.6
Cost of revenue	-0.4	0.6	2.1	2.8	2.4
Gross profit	7.0	6.9	7.0	6.6	7.2
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	2.4	2.4	2.5	2.6	2.9
Operating income	3.2	2.9	2.6	2.4	2.7
EBITDA	3.6	3.2	2.8	2.5	2.8
D&A	0.4	0.4	0.2	0.1	0.1
Pretax income	3.2	2.9	2.6	2.4	2.7
Income tax	0.7	0.6	0.5	0.5	0.6
Net income	2.5	2.2	2.1	1.9	2.2
Diluted EPS ($)	2.49	2.28	2.11	1.93	2.29
Diluted shares (M)	963	942	938	918	880

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Operating CF$2B

CapEx$0B

Free cash flow$2B

SBC$0B

Buybacks$1B

Net cash change$0B

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	11.2	6.8	10.7	10.9
ST investments	27.9	28.1	23.4	27.6
Receivables (net)	0.5	0.6	0.6	0.6
Total current assets	39.7	35.5	34.7	39.5
PP&E (net)	1.7	1.6	1.7	1.7
Goodwill + intangibles	6.8	6.8	6.9	5.9
Total assets	155.2	152.2	157.3	159.6
Accounts payable	0.0	0.0	0.0	0.0
Short-term debt	0.0	0.0	0.5	0.8
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	131.7	127.8	128.1	131.9
Long-term debt	2.3	2.3	6.0	4.1
Total liabilities	139.3	134.7	139.4	140.5
Shareholders' equity	16.0	17.5	17.9	19.1

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	2.2	2.1	1.9	2.2
D&A	0.4	0.2	0.1	0.1
Stock-based compensation	0.0	0.0	0.0	0.0
Working capital change	(0.3)	(0.6)	(1.0)	(0.7)
Operating cash flow	3.1	2.3	1.6	2.2
Capital expenditures	(0.3)	(0.2)	(0.1)	0.0
Investing cash flow	(12.9)	(1.6)	(0.3)	(1.4)
Buybacks	(0.2)	(0.3)	(0.8)	(1.4)
Dividends paid	(0.8)	(0.9)	(1.0)	(1.0)
Debt issuance / (repay)	0.0	0.0	4.1	(1.7)
Financing cash flow	(8.3)	(5.1)	2.6	(0.6)
Free cash flow	2.8	2.2	1.5	2.2

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	13.8%	13.1%	12.4%	10.7%	11.7%	12%
ROA	1.6%	1.4%	1.3%	1.2%	1.4%	1.4%
ROIC	-6.8%	-10.7%	-13.7%	-19.3%	-14.8%	6.8%
Gross margin	105.4%	92.2%	76.7%	70.4%	74.6%	77.8%
Operating margin	48.7%	38.4%	28.5%	25.1%	28.5%	30.6%
Net margin	38.2%	30.0%	22.7%	20.2%	22.4%	24.0%
EBITDA margin	54.3%	43.2%	31.1%	26.7%	29.2%	31.3%
FCF margin	44.8%	37.4%	23.5%	15.5%	22.4%	—
VALUATION
P/E	6.99	7.89	7.97	10.90	11.06	10.6
P/B	0.96	1.11	0.95	1.15	1.25	1.3
P/S	2.67	2.35	1.81	2.20	2.48	2.44
P/FCF	5.96	6.29	7.68	14.21	11.09	13.2
EV/EBITDA	-10.56	-5.94	-5.65	-2.81	-3.44	7.9
EV/Revenue	-5.73	-2.55	-1.75	-0.75	-1.01	2.5
Earnings yield	14.3%	12.7%	12.6%	9.2%	9.0%	9.81%
FCF yield	16.8%	15.9%	13.0%	7.0%	9.0%	7.56%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	0.42	0.30	0.28	0.27	0.30	0.32
Quick ratio	0.42	0.30	0.28	0.27	0.30	0.32
Debt / equity	0.13	0.14	0.13	0.36	0.26	0.59
Debt / assets	1.5%	1.5%	1.5%	4.1%	3.1%	6.4%
Net debt / EBITDA	-15.47	-11.42	-11.46	-11.07	-11.88	0.05
Interest coverage	19.25	9.10	1.65	1.03	1.32	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.04	0.05	0.06	0.06	0.06	0.06
Receivables turnover	19.87	18.14	16.27	15.81	16.81	18.9
DSO (days)	18	20	22	23	22	19
DPO (days)	—	0	0	0	0	—
Cash conversion cycle	—	20	22	23	22	19
GROWTH (YoY)
Revenue growth	-0.5%	13.9%	21.6%	2.4%	2.5%	—
Net income growth	130.4%	-10.9%	-7.6%	-8.7%	13.9%	—
EPS growth	132.1%	-9.3%	-6.6%	-7.1%	18.4%	—
FCF growth	30.6%	-4.9%	-23.6%	-32.5%	48.1%	—
PER SHARE ($)
EPS (diluted, TTM)	2.63	2.39	2.23	2.07	2.45	2.69
Book value / share	19.13	16.95	18.72	19.54	21.64	21.09
Revenue / share	6.90	8.00	9.83	10.24	10.92	11.23
FCF / share	3.09	2.99	2.31	1.59	2.44	2.07
Cash / share	60.43	41.62	37.49	37.33	43.71	49.04
SHAREHOLDER RETURN & SCORES
Buyback yield	5.6%	1.3%	1.5%	4.1%	4.5%	4.41%
Altman Z-Score	-0.37	-0.46	-0.46	-0.43	-0.39	-0.4
Piotroski F-Score	7	6	5	4	9	5/9
Beneish M-Score	-2.53	-1.93	-2.16	-2.49	-2.64	-2.69

Model	Score	Zone	Note
Piotroski F-Score	5 / 9	Middling
Altman Z-Score	-0.4	Distress (<1.81)	Distress
Income quality	0.80	Accrual-heavy	OCF ÷ net income
Beneish M-Score	-2.69	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.78
Interest burden	1.00
Operating margin	29.8%
Asset turnover	0.06×
Financial leverage	8.55×
= ROE	12%

Growth Quality (live)	Value
Revenue stability	0.89
Earnings stability	0.28
Earnings persistence	0.97
Revenue CAGR 3y	3.7%
EPS CAGR 3y	2.0%
FCF CAGR 3y	-5.5%

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Buyback Yield4.41%

Dividend Yield3.99%

Total Shareholder Return8.27%cash yield

SBC / Revenue0.0%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
FCNCA	$24.0B	11.4	11%	18.6%	-1.3%	7/9	+29.7%
KEY	$21.6B	11.6	10%	24.7%	+13.5%	7/9	+20.4%
CFG	$26.7B	12.7	8%	18.4%	-4.5%	7/9	+32.1%
HBAN	$30.9B	11.2	9%	17.4%	+18.5%	7/9	+0.2%
MTB	$31.1B	11.2	11%	24.3%	-5.8%	7/9	—
EWBC	$17.4B	12.1	17%	30.9%	+4.7%	8/9	—
PNFP	$14.3B	11.6	8%	19.1%	+61.9%	5/9	—
WBS	$12.6B	12.6	11%	22.9%	+2.5%	8/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Hold

52 Analysts

Str Sell (0)Sell (4)Hold (27)Buy (21)Str Buy (0)

Mean Target (qtr)$33.758 targets

Target vs. Price+23.0%last-quarter mean

Next Report2027-01-15street $0.69

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$7.82B	$7.93B / $7.74B	$2.64	$2.72 / $2.58	15
FY2027	$8.20B	$8.35B / $8.05B	$2.85	$2.94 / $2.77	16
FY2028	$8.53B	$8.78B / $8.33B	$3.13	$3.39 / $2.98	12

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$31.50	+14.8%	2
Last Quarter	$33.75	+23.0%	8
Last Year	$32.04	+16.7%	24
All Time	$28.27	+3.0%	58

Rolling mean of published targets vs. last close $27.45. Aggregated from Benzinga, StreetInsider, Investing.

Third-Party Composite Rating

A-

DCF

4/5

ROE

4/5

ROA

4/5

Debt/Eq

3/5

P/E

3/5

P/B

3/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

RF +18.7% vs S&P 500 +15.9% — spread +2.9pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$27.24	+0.21	+0.77%	Above
SMA 50	$29.08	-1.63	-5.61%	Below
SMA 200	$28.59	-1.14	-3.99%	Below
EMA 9	$27.19	+0.26	+0.96%	Above
EMA 21	$27.56	-0.11	-0.40%	Below
EMA 50	$28.49	-1.04	-3.65%	Below
EMA 200	$28.25	-0.80	-2.83%	Below

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTLEAN BULLISHPower Score +2014 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%50

Momentum 25%70

Volume 20%75

Volatility 10%50

Patterns 15%50

This Week64% bullishof 11 price-based votes

4 Weeks Ago9%+55 pts since

12 Weeks Ago64%+0 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$27.24

Price vs SMA 50$29.08

Price vs SMA 200$28.59

EMA 9/21 Cross27.2/27.6

SMA 50/200Golden

ADX DirectionADX 35

Supertrend$28

Parabolic SAR$26

SMA Slope-0.050

RSI44.3

Stochastic K/D62/60

StochRSI K/D88/83

Williams %R-35

CCI70

TSI vs Signal-30.3

CMO-11.4

ROC1.25%

OBV SignalAccum

Chaikin MF-0.070

MFI56

Force Index1M

Elder Ray Bull0.59

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 60

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$27.20 / $27.59 / $27.88	S1 / S2	$26.91 / $26.52
Bollinger (20,2)	$26.42 – $28.06	Squeeze	ON
52-wk range	$22.47 – $32.47	Off 52-wk high	-15.5%
ATR (14)	$0.59 (2.1%)	Historical vol	17.7%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

-0.3%Jan65%

+1.7%Feb55%

-1.4%Mar38%

+3.2%Apr70%

-1.5%May40%

-2.2%Jun50%

+2.7%Jul65%

+0.5%Aug55%

-0.5%Sep50%

+1.1%Oct65%

+4.3%Nov70%

+1.0%Dec60%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	RF	S&P 500
Weekly volatility (σ, 1y)	3.32%	1.83%
Best / worst week (1y)	+9.2% / -8.7%	—
Max drawdown (5y, monthly)	-51.8%	—
1-week VaR (95%)	-4.7%	—
Beta (5y)	1.00	1.00

RF EQUITY WEATHER (LIVE)RAINY · -26

Trend-50

Momentum+7

Volume-29

Volatility-30

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 141 stories, weekly buckets, −1 to +1.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-26.0-3.2 vs industry

Trend-50.1-26.2 vs industry

Momentum+6.6+20.7 vs industry

Volume-29.2+5.4 vs industry

Reading	RF	Banks - Regional n=1,560	Financial Services n=24,134	All US symbols n=70,435
Overall	-26.0	-22.8	-16.3	-20.5
Trend	-50.1	-24.0	-12.5	-21.3
Momentum	+6.6	-14.1	-4.4	-15.8
Volume	-29.2	-34.6	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
John M. Turner, Jr. Chairman, President and	$10.0M	85% equity+incentive
C. Dandridge Massey Chief Enterprise Operati	$3.6M	64% equity+incentive
David J. Turner, Jr. Chief Financial Officer	$3.6M	76% equity+incentive
David R. Keenan Chief Administrative Officer	$3.0M	75% equity+incentive
Russell K. Zusi Chief Risk Officer	$2.7M	72% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	37
Social	73
Governance	59
Composite ESG	56

Composite ESG Trend

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2021-01-22 to 2026-10-16
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	90 rows · 2004 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-05-11 to 2026-09-10
Proposed sales (Form 144)	edgar/form144	not present for this symbol
Beneficial ownership (13D/G)	edgar/13dg	not present for this symbol
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.