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Upturn AI SWOT - About
RF 
Regions Financial Corporation (RF)
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Upturn Advisory Summary
04/01/2025: RF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -7.24% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 19.53B USD | Price to earnings Ratio 11.18 | 1Y Target Price 26.4 |
Price to earnings Ratio 11.18 | 1Y Target Price 26.4 | ||
Volume (30-day avg) 9322012 | Beta 1.21 | 52 Weeks Range 17.18 - 27.41 | Updated Date 04/1/2025 |
52 Weeks Range 17.18 - 27.41 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 4.60% | Basic EPS (TTM) 1.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.7% | Operating Margin (TTM) 46.98% |
Management Effectiveness
Return on Assets (TTM) 1.22% | Return on Equity (TTM) 10.69% |
Valuation
Trailing PE 11.18 | Forward PE 9.68 | Enterprise Value 22714169344 | Price to Sales(TTM) 2.96 |
Enterprise Value 22714169344 | Price to Sales(TTM) 2.96 | ||
Enterprise Value to Revenue 3.94 | Enterprise Value to EBITDA - | Shares Outstanding 905465024 | Shares Floating 901462915 |
Shares Outstanding 905465024 | Shares Floating 901462915 | ||
Percent Insiders 0.27 | Percent Institutions 82.79 |
Analyst Ratings
Rating 3.76 | Target Price 27.58 | Buy 4 | Strong Buy 8 |
Buy 4 | Strong Buy 8 | ||
Hold 12 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Regions Financial Corporation
Company Overview
History and Background
Regions Financial Corporation traces its roots back to 1971 with the formation of First Alabama Bancshares. Over the years, it grew through acquisitions and mergers, evolving into Regions Financial Corporation in 1998. Key milestones include the acquisition of AmSouth Bancorporation in 2006, significantly expanding its presence across the Southeast.
Core Business Areas
- Corporate Banking: Provides commercial lending, treasury management, and other financial services to businesses of all sizes.
- Consumer Banking: Offers a range of retail banking products and services, including checking accounts, savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, trust services, and financial planning to individuals and families.
Leadership and Structure
The leadership team is headed by the CEO, John M. Turner Jr. The organizational structure consists of various business units and support functions reporting to the executive leadership team. The company operates under a board of directors responsible for overall governance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. Regions holds a significant market share in the Southeast, competing with national and regional banks. Competitors include Truist, Bank of America, and Wells Fargo.
- Mortgages: Offers mortgage loans to individuals for home purchases and refinancing. The mortgage market is highly competitive, with Regions competing with national lenders, regional banks, and mortgage brokers. Competitors include Rocket Mortgage, United Wholesale Mortgage, and local banks.
- Credit Cards: Regions offers a variety of credit card products to consumers and small businesses. The credit card market is dominated by major players like Visa, Mastercard, American Express, and Discover. Competitors include Capital One, Chase, and American Express.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and evolving customer preferences for digital banking services. Competition is intense, and banks are investing heavily in technology to enhance customer experience and efficiency.
Positioning
Regions Financial Corporation is a major regional bank in the Southeast, with a strong focus on customer service and community involvement. Its competitive advantages include a strong branch network, a loyal customer base, and a diversified business model.
Total Addressable Market (TAM)
The total addressable market for banking services in the Southeast is estimated to be in the hundreds of billions of dollars. Regions Financial Corporation is well-positioned to capture a significant portion of this market, focusing on its core markets and leveraging its competitive advantages.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in the Southeast
- Extensive branch network
- Diversified business model
- Experienced management team
- Strong capital position
Weaknesses
- Geographic concentration in the Southeast
- Limited international presence
- Dependence on interest rate environment
- Exposure to credit risk
- Higher operational costs than competitors
Opportunities
- Expanding into new markets within the Southeast
- Acquiring smaller banks and financial institutions
- Investing in digital banking technologies
- Growing wealth management business
- Capitalizing on regulatory changes
Threats
- Increasing competition from national and regional banks
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BAC
- WFC
- KEY
- USB
Competitive Landscape
Regions Financial Corporation competes with national and regional banks. Its competitive advantages include a strong branch network, a loyal customer base, and a diversified business model. However, it faces challenges from larger competitors with greater financial resources and broader geographic reach.
Major Acquisitions
Ascendancy Healthcare
- Year: 2021
- Acquisition Price (USD millions): 93
- Strategic Rationale: Ascendancy's platform strengthens Regions' healthcare solutions capabilities. It helps Regions support clients navigating claims administration, payment integrity, and fraud mitigation.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by a combination of organic growth and acquisitions. The company has successfully integrated acquired businesses and expanded its presence in the Southeast.
Future Projections: Analysts project continued growth in revenue, net income, and EPS over the next few years. This growth is expected to be driven by factors such as increasing interest rates, continued economic growth in the Southeast, and strategic initiatives.
Recent Initiatives: Recent strategic initiatives include investing in digital banking technologies, expanding its wealth management business, and acquiring smaller banks and financial institutions.
Summary
Regions Financial Corporation is a solid regional bank with a strong presence in the Southeast. Its diversified business model and loyal customer base are working well, contributing to consistent growth. However, its geographic concentration and increasing competition pose risks. Successfully integrating digital banking technologies and expanding into new markets are crucial for future success.
Similar Companies
- BAC
- WFC
- PNC
- KEY
- FITB
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Third-party Financial Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Regions Financial Corporation
Exchange NYSE | Headquaters Birmingham, AL, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Chairman Mr. John M. Turner Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 19644 | Website https://www.regions.com |
Full time employees 19644 | Website https://www.regions.com | ||
Regions Financial Corporation, a financial holding company, provides various banking and related products and services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; home improvement lending, investment advisory services, equipment financing for commercial clients, small business customers, low-income housing tax credit corporate fund syndication services, financing to CRA-qualified customers, and broker-dealer services to commercial clients; and other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.
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