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Compare Stocks › PFE vs RF

Pfizer, Inc. (PFE) vs Regions Financial Corporation (RF): Which Is the Better Buy in 2026?

As of 2026-08-03, PFE is undervalued at $25, with a DCF intrinsic value of $127985960274 and a margin of safety of 100%. RF is undervalued at $31, with an intrinsic value of $51064144574 and a margin of safety of 100%. Of the two, PFE has the wider margin of safety.

PFE
Pfizer, Inc.
$25.01
VS
RF
Regions Financial Corporation
$30.95

Rewards

PFE
  • ★Gross margin of 74.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Trailing P/E of 19.1x is 37% below the historical average of 30.4x — potentially undervalued relative to its own history.
RF
  • ★Regions Financial Corporation scores 84/100 on the Economic Moat Score (Wide Moat), with reinvestment efficiency as the strongest competitive dimension.

Risks

PFE
  • ⚠ROIC has declined by 15.9 percentage points over the past 4 years, which may signal competitive erosion.
  • ⚠PEG ratio of 2.94 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
  • ⚠Altman Z-Score of 1.38 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
RF
  • ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Altman Z-Score of 0.14 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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PFE
RF
Valuation
$12.38B
Free Cash Flow
N/A
N/A
FCF Yield
N/A
19.09
Trailing P/E
12.58
8.85
Forward P/E
10.88
Quality & Moat
10.19%
ROIC
29.47%
8.31%
ROE
11.87%
74.80%
Gross Margin
0.00%
2.94
PEG Ratio
1.80
Balance Sheet Safety
0.57
Net Debt / Equity
N/A
N/A
Interest Coverage
N/A
2.03
Net Debt / EBITDA
N/A
6.88%
Dividend Yield
3.54%
PFE: 3Ties: 1RF: 4
PFERF

Historical Fundamentals

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PFE

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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PFE
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-10.61B
Δ Market Cap
$-26.34
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
$0.00
created per $1 retained over 3 years
Value Destroyer
Σ Retained
$3.24B
Δ Market Cap
+$5.54
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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PFE
100.0% Margin of Safety
Price is 100.0% below estimated fair value
Current Price: $25.01
Fair Value: $127985960274.09
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
RF
100.0% Margin of Safety
Price is 100.0% below estimated fair value
Current Price: $30.95
Fair Value: $51064144574.48
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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PFE

What growth rate is the market pricing in at $25?

-14.2%
Market-Implied Owner Earnings Growth
Standard FCF implies -15.0%

The market implies -14.2% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding -15.0%, reflecting heavy growth investment.

RF

Requires positive FCF to compute implied growth rate.

Economic Moat Score

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PFE
35/100
No Moat
70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 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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PFE
-2.53
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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PFE
Insiders 0.1%Institutions 69.5%Retail & Other 30.4%
No. of Institutional Holders3,661
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 86.4%Retail & Other 13.3%
No. of Institutional Holders1,451
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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PFE
0
Buys (3M)
0
Buys (12M)
BLAYLOCK RONALD E
Director
$499,072
@ $25.65 · 2025-02-13
GOTTLIEB SCOTT
Director
$28,240
@ $28.24 · 2024-10-30
Open market purchases · includes direct & indirect ownership · excludes option exercises
RF
0
Buys (3M)
1
Buys (12M)
Total value (12M): $101,906
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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PFE
1
Sells (3M)
1
Sells (12M)
Total value (12M): $51,400
DAMICO JENNIFER B.
Officer
$51,400
@ $25.70 · 2026-06-09
DAMICO JENNIFER B.
Officer
$64,825
@ $25.93 · 2025-03-04
DAMICO JENNIFER B.
Officer
$147,714
@ $28.66 · 2024-08-13
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
RF
1
Sells (3M)
3
Sells (12M)
Total value (12M): $1.98M
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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PFE
FearGreed
😐Neutral(52/100)

"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.
RF
FearGreed
😐Neutral(59/100)

"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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PFE
⚪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 (52)
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 (59)
View PFE Full AnalysisView RF Full Analysis

Frequently Asked Questions: PFE vs RF

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

Based on our discounted cash flow model, PFE trades at a 100.0% margin of safety (intrinsic value $127985960274 vs. price $25), compared to RF's 100.0% margin of safety (intrinsic $51064144574 vs. $31).

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

RF scores 84/100 (Wide moat), while PFE scores 35/100 (None 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 0.1 places it in the Distress zone, signaling elevated bankruptcy risk. PFE scores 1.4 (Distress 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, Pfizer, Inc. or Regions Financial Corporation?▼

RF earns 29.5% ROIC versus PFE's 10.2%. 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, Pfizer, Inc.'s or Regions Financial Corporation's?▼

RF's dividend earns a safety score of 94/100 (Very Safe), compared to PFE's 24/100 (Unsafe). RF has raised its dividend for 3 consecutive years.