Based on the aggregated intelligence of 170,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, regional bank Regions Financial (NYSE: RF) has received a distressing two-star ranking.

With that in mind, let's take a closer look at Regions' business and see what CAPS investors are saying about the stock right now.

Regions facts

Headquarters (Founded) Birmingham, Ala. (1970)
Market Cap $6.75 billion
Industry Regional banks
Trailing-12-Month Revenue $3.06 billion
Management

CEO O. B. Grayson Hall Jr. (since March 2010)

CFO David Turner (since February 2010)
Return on Equity (Average Past 3 Years) (12.7%)
6-Month Return (27%)
Competitors

Bank of America (NYSE: BAC)

BB&T (NYSE: BBT)

SunTrust Banks (NYSE: STI)

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 24% of the 730 members who have rated Regions believe the stock will underperform the S&P 500 going forward. These bears include ruinas and All-Star DarthMaul09, who is ranked in the top 1% of our community.

Last week, ruinas warned Fools about banking on Regions: "Banking has still not recovered -- will continue to miss estimates."

Just last month, Regions disappointed investors with a loss of $155 million on loan-related charge-offs, representing its seventh red quarter in the past eight. In fact, Regions' three-year average return on equity (-12.7%) is lower than that of rivals Bank of America (1.9%), BB&T (8.1%), and SunTrust (-1%), as well as giants Wells Fargo (NYSE: WFC) (10.6%), US Bancorp (NYSE: USB) (12%) and even Citigroup (-8.7%).

CAPS All-Star DarthMaul09 sees no turnaround for Regions in the near future:

Profits remain negative in the third quarter and look much like they did in 2009, which suggests that management has not been successful in cutting costs or that the environment for regional banks is so bad that even with the changes that they made they were unable to decrease their losses. Either way, the lack of financial improvement with the anemic US economic recovery implies that negative profits will continue into 2011.

What do you think about Regions, or any other stock for that matter? If you want to retire rich, you need to protect your portfolio from any undue risk. Staying away from dangerous stocks is crucial to securing your financial future, and on Motley Fool CAPS, thousands of investors are working every day to flag them. CAPS is 100% free, so get started!