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Upturn AI SWOT - About
Regions Financial Corporation (RF-PF)
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Upturn Advisory Summary
04/01/2025: RF-PF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -4.16% | Avg. Invested days 27 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 44615 | Beta 1.22 | 52 Weeks Range 22.63 - 26.05 | Updated Date 03/15/2025 |
52 Weeks Range 22.63 - 26.05 | Updated Date 03/15/2025 | ||
Dividends yield (FY) 6.76% | Basic EPS (TTM) - |
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 - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 905018580 |
Shares Outstanding - | Shares Floating 905018580 | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | 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 founding of First Alabama Bancshares. It grew through acquisitions and mergers, evolving into Regions Financial Corporation. Key milestones include expansion across the Southeast and diversification of financial services.
Core Business Areas
- Corporate Banking: Provides commercial lending, treasury management, and capital markets services to businesses.
- Consumer Banking: Offers checking and savings accounts, mortgages, credit cards, and other retail banking products.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The company is led by a CEO and a board of directors. The organizational structure includes various departments and divisions aligned with its core business areas.
Top Products and Market Share
Key Offerings
- Mortgages: Regions offers various mortgage products, including fixed-rate and adjustable-rate mortgages. Competitors include Bank of America (BAC), Wells Fargo (WFC), and JPMorgan Chase (JPM). Market share data is fragmented across the industry, but Regions is a significant player in the Southeast region.
- Commercial Loans: Regions provides commercial loans to businesses of all sizes. Competitors include Truist Financial (TFC), PNC Financial Services (PNC), and Fifth Third Bancorp (FITB). Again, market share is regional, with Regions focused on the Southeast.
- Checking Accounts: Regions offers a range of checking accounts tailored to different customer needs. Competitors include all major national and regional banks. Data on number of users is not publicly available and hard to estimate.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies, rising interest rates, and evolving regulatory landscape. The industry is also experiencing consolidation.
Positioning
Regions is a regional bank focused on the Southeast. Its competitive advantages include its strong brand recognition in the region and its focus on customer service. Regions is positioning itself for growth through technology investments and strategic acquisitions.
Total Addressable Market (TAM)
The total addressable market for banking services in the Southeast is substantial, estimated to be hundreds of billions of dollars. Regions is well-positioned to capture a significant portion of this market due to its regional focus and established presence.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Diversified revenue streams
- Solid capital position
- Experienced management team
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Vulnerable to economic downturns in the Southeast
- Smaller market capitalization compared to national peers
Opportunities
- Expansion into new markets within the Southeast
- Increased investment in technology and digital banking
- Strategic acquisitions to expand product offerings
- Growth in wealth management business
Threats
- Competition from national banks and fintech companies
- Rising interest rates and inflation
- Increased regulatory scrutiny
- Economic downturn in the Southeast
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- TFC
- PNC
- FITB
Competitive Landscape
Regions competes with national and regional banks. Its advantages include its regional focus and strong customer relationships. Disadvantages include its smaller size and limited geographic diversification compared to national players.
Major Acquisitions
Ascend Capital Advisors
- Year: 2021
- Acquisition Price (USD millions): 200
- Strategic Rationale: Expanded wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: Regions has experienced steady growth through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates project continued growth for Regions, driven by economic growth in the Southeast and strategic initiatives.
Recent Initiatives: Recent initiatives include investments in technology, expansion of wealth management services, and strategic acquisitions to strengthen its market position.
Summary
Regions Financial Corporation is a strong regional bank with a solid presence in the Southeast. Its diversified revenue streams and experienced management team contribute to its stability. The company faces competition from larger national banks and needs to adapt to the evolving financial landscape. Strategic initiatives in technology and wealth management are crucial for future growth.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
KEY
KeyCorp
KEY
KeyCorp
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
TFC
Truist Financial Corp
TFC
Truist Financial Corp
USB
U.S. Bancorp
USB
U.S. Bancorp
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- MarketWatch
- Yahoo Finance
- Bloomberg
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change.
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 - | 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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