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Compare Stocks › ABBV vs RF

AbbVie Inc. (ABBV) vs Regions Financial Corporation (RF): Which Is the Better Buy in 2026?

As of 2026-09-17, ABBV is overvalued at $264, with a DCF intrinsic value of $184 and a margin of safety of -44%. RF is undervalued at $28, with an intrinsic value of $51 and a margin of safety of 44%. Of the two, RF has the wider margin of safety.

ABBV
AbbVie Inc.
$264.02
VS
RF
Regions Financial Corporation
$28.48

Rewards

ABBV
  • ★AbbVie Inc. has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
  • ★Gross margin of 72.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★AbbVie Inc. scores 82/100 on the Economic Moat Score (Wide Moat), with reinvestment efficiency as the strongest competitive dimension.
RF
  • ★Regions Financial Corporation scores 84/100 on the Economic Moat Score (Wide Moat), with reinvestment efficiency as the strongest competitive dimension.

Risks

ABBV
  • ⚠Buybacks have been poorly timed — 3 out of 4 years involved repurchases at relatively expensive valuations.
  • ⚠Insiders have sold $8.2M worth of stock in the past 3 months — significant insider liquidation.
  • ⚠Free cash flow has declined at a 9.8% CAGR over the past 4 years — a concerning trend.
RF
  • ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Altman Z-Score of 0.24 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
  • ⚠Free cash flow has declined at a 8.6% CAGR over the past 4 years — a concerning trend.

Key Valuation Metrics

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ABBV
RF
Valuation
$16.87B
Free Cash Flow
N/A
3.62%
FCF Yield
N/A
74.58
Trailing P/E
11.58
16.23
Forward P/E
10.01
Quality & Moat
28.73%
ROIC
23.70%
N/A
ROE
11.87%
72.79%
Gross Margin
0.00%
0.54
PEG Ratio
1.51
Balance Sheet Safety
N/A
Net Debt / Equity
N/A
N/A
Interest Coverage
N/A
2.09
Net Debt / EBITDA
N/A
2.64%
Dividend Yield
3.85%
ABBV: 3Ties: 1RF: 3
ABBVRF

Historical Fundamentals

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ABBV

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

RF

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

$1 Retained Earnings Test

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ABBV
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-19.85B
Δ Market Cap
+$118.02B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
RF
$1.03
created per $1 retained over 3 years
Value Creator
Σ Retained
$3.24B
Δ Market Cap
+$3.35B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Discounted Cash Flow (DCF) Analysis

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ABBV
43.5% Overvalued
Price is 43.5% above estimated fair value
Current Price: $264.02
Fair Value: $183.97
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
RF
44.3% Margin of Safety
Price is 44.3% below estimated fair value
Current Price: $28.48
Fair Value: $51.09
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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ABBV

What growth rate is the market pricing in at $264?

+19.5%
Market-Implied Owner Earnings Growth
Standard FCF implies +13.9%

The market implies +19.5% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +13.9%, reflecting heavy growth investment.

RF

Requires positive FCF to compute implied growth rate.

Economic Moat Score

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ABBV
82/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. Reinvestment Efficiency is the standout factor.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
RF
84/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by reinvestment efficiency. Margin Stability is the area most vulnerable to competitive pressure.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.

Forensic Accounting

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ABBV
-2.86
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
RF
-2.32
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Ownership Breakdown

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ABBV
Insiders 0.1%Institutions 77.4%Retail & Other 22.5%
No. of Institutional Holders5,262
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
RF
Insiders 0.3%Institutions 87.2%Retail & Other 12.6%
No. of Institutional Holders1,466
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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ABBV
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
RF
0
Buys (3M)
0
Buys (12M)
JENKINS ROGER W
Director
$101,906
@ $25.48 · 2025-08-13
JOHNSON JOIA M
Director
$48,702
@ $21.17 · 2025-03-11
SUQUET JOSE S
Director
$57,687
@ $23.96 · 2025-01-29
Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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ABBV
1
Sells (3M)
4
Sells (12M)
Total value (12M): $18.92M
DONOGHOE NICHOLAS
Officer
$8.18M
@ $250.00 · 2026-08-14
PURDUE DAVID RYAN
Officer
$1.22M
@ $233.56 · 2026-03-04
SIATIS PERRY C.
General Counsel
$4.38M
@ $234.39 · 2026-03-02
SIATIS PERRY C.
General Counsel
$5.15M
@ $230.00 · 2026-02-25
SALEKI-GERHARDT AZITA
Chief Operating Officer
$8.41M
@ $198.42 · 2025-08-12
DONOGHOE NICHOLAS
Officer
$2.64M
@ $198.51 · 2025-08-05
STEWART JEFFREY RYAN
Officer
$12.36M
@ $210.08 · 2025-03-31
REENTS SCOTT T.
Chief Financial Officer
$3.75M
@ $212.34 · 2025-03-14
RICHMOND TIMOTHY J
Officer
$4.47M
@ $210.45 · 2025-03-03
SIATIS PERRY C.
General Counsel
$5.82M
@ $208.69 · 2025-03-03
GONZALEZ RICHARD A
Director
$20.26M
@ $205.45 · 2025-03-03
RICHMOND TIMOTHY J
Officer
$6.07M
@ $202.90 · 2025-02-26
BUCKBEE KEVIN K
Officer
$3.85M
@ $203.41 · 2025-02-26
SIATIS PERRY C.
General Counsel
$1.14M
@ $197.90 · 2025-02-20
BUCKBEE KEVIN K
Officer
$310,032
@ $172.24 · 2024-12-16
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
RF
0
Sells (3M)
2
Sells (12M)
Total value (12M): $1.23M
WILLMAN BRIAN R
Officer
$195,750
@ $27.91 · 2026-05-07
RITTER WILLIAM D
Officer
$1.04M
@ $28.78 · 2026-01-22
KEENAN DAVID R
Officer
$750,279
@ $25.01 · 2025-08-06
WILLMAN BRIAN R
Officer
$174,885
@ $21.37 · 2025-05-08
SUQUET JOSE S
Director
$5,371
@ $23.98 · 2025-02-03
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

🎭 Mr. Market's Mood

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ABBV
FearGreed
😏Greed(69/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
RF
FearGreed
😐Neutral(46/100)

"Market is pricing this stock without strong emotion in either direction"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

⚖️ Buffett Signal

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ABBV
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Greed (69)
RF
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Neutral (46)
View ABBV Full AnalysisView RF Full Analysis

Frequently Asked Questions: ABBV vs RF

Is AbbVie Inc. or Regions Financial Corporation more undervalued in 2026?▼

Based on our discounted cash flow model, RF trades at a 44.3% margin of safety (intrinsic value $51 vs. price $28), compared to ABBV's -43.5% margin of safety (intrinsic $184 vs. $264).

Which stock has a wider economic moat, AbbVie Inc. or Regions Financial Corporation?▼

RF scores 84/100 (Wide moat), while ABBV scores 82/100 (Wide moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Regions Financial Corporation in financial distress?▼

RF's Altman Z-Score of 0.2 places it in the Distress zone, signaling elevated bankruptcy risk. ABBV scores 2.4 (Grey zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which stock has higher return on invested capital, AbbVie Inc. or Regions Financial Corporation?▼

ABBV earns 28.7% ROIC versus RF's 23.7%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

Which dividend is safer, AbbVie Inc.'s or Regions Financial Corporation's?▼

RF's dividend earns a safety score of 94/100 (Very Safe), compared to ABBV's 39/100 (Unsafe). RF has raised its dividend for 3 consecutive years.