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RF 
Regions Financial Corporation (RF)
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Upturn Advisory Summary
01/09/2026: RF (3-star) is a STRONG-BUY. BUY since 26 days. Simulated Profits (8.85%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
24 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $30.27
1 Year Target Price $30.27
| 7 | Strong Buy |
| 3 | Buy |
| 13 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 39.37% | Avg. Invested days 54 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 25.45B USD | Price to earnings Ratio 12.56 | 1Y Target Price 30.27 |
Price to earnings Ratio 12.56 | 1Y Target Price 30.27 | ||
Volume (30-day avg) 24 | Beta 1.04 | 52 Weeks Range 17.18 - 29.25 | Updated Date 01/9/2026 |
52 Weeks Range 17.18 - 29.25 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 3.52% | Basic EPS (TTM) 2.27 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-01-16 | When Before Market | Estimate 0.61 | Actual - |
Profitability
Profit Margin 31.04% | Operating Margin (TTM) 46.98% |
Management Effectiveness
Return on Assets (TTM) 1.36% | Return on Equity (TTM) 11.4% |
Valuation
Trailing PE 12.56 | Forward PE 11.2 | Enterprise Value 22714169344 | Price to Sales(TTM) 3.66 |
Enterprise Value 22714169344 | Price to Sales(TTM) 3.66 | ||
Enterprise Value to Revenue 4.41 | Enterprise Value to EBITDA - | Shares Outstanding 876876496 | Shares Floating 872807789 |
Shares Outstanding 876876496 | Shares Floating 872807789 | ||
Percent Insiders 0.3 | Percent Institutions 87.22 |
Upturn AI SWOT
Regions Financial Corporation
Company Overview
History and Background
Regions Financial Corporation (RF) was founded in 1971 as First National Bank of Birmingham. It has since grown through a series of mergers and acquisitions to become one of the largest financial services companies in the United States, with a strong presence in the Southeast. Key milestones include its IPO in 1986, its listing on the New York Stock Exchange (NYSE) in 1990, and significant expansion through acquisitions in the early 2000s.
Core Business Areas
- Corporate Banking: Provides a full range of commercial banking services to businesses, including lending, treasury management, capital markets, and advisory services.
- Consumer Banking: Offers a wide array of retail banking products and services, including checking and savings accounts, mortgages, credit cards, and personal loans, through a network of branches and digital channels.
- Wealth Management: Delivers comprehensive wealth management solutions, including investment management, financial planning, trust services, and retirement planning for individuals and institutions.
- Mortgage Banking: Engages in the origination, sale, and servicing of residential mortgage loans.
Leadership and Structure
Regions Financial Corporation is led by a Board of Directors and a senior executive management team. The company operates with a decentralized structure, empowering its regional presidents to make decisions tailored to their local markets, while maintaining centralized oversight for strategy and risk management.
Top Products and Market Share
Key Offerings
- Consumer Checking Accounts: Offers various checking account options designed for different customer needs, including student accounts, interest-bearing accounts, and basic accounts. Competitors include large national banks (JPMorgan Chase, Bank of America, Wells Fargo) and regional banks.
- Residential Mortgages: Provides a range of mortgage products for home purchases and refinancing. This segment competes with major mortgage lenders like Rocket Mortgage, Wells Fargo, and other regional banks. Market share data for specific product lines is proprietary.
- Commercial Loans: Offers a variety of commercial lending solutions for small businesses and large corporations, including term loans, lines of credit, and SBA loans. Key competitors include large national banks and specialized commercial lenders.
- Credit Cards: Provides consumer and business credit card products. Competitors include major card issuers such as American Express, Discover, and the card divisions of large banks.
Market Dynamics
Industry Overview
The US banking industry is highly competitive, characterized by evolving consumer preferences, technological advancements (fintech), and a complex regulatory environment. Interest rate fluctuations, economic growth, and credit market conditions significantly influence profitability.
Positioning
Regions Financial Corporation is a significant regional bank with a strong competitive advantage in its core Southeast markets. Its extensive branch network, coupled with a growing digital presence, allows it to serve a diverse customer base. Its focus on customer relationships and community involvement is a key differentiator.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is vast, encompassing deposits, loans, wealth management, and payment services, measured in trillions of dollars annually. Regions Financial Corporation is well-positioned within its geographic footprint and specific product niches to capture a meaningful share of this TAM, particularly in consumer and commercial banking within its operating regions.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and customer loyalty in its core Southeast markets.
- Extensive branch network providing significant physical reach.
- Diversified revenue streams across various banking segments.
- Solid capital position and regulatory compliance.
- Experienced management team with a deep understanding of its markets.
Weaknesses
- Limited national geographic diversification compared to larger competitors.
- Potential for slower adoption of cutting-edge fintech innovations compared to pure-play digital banks.
- Reliance on interest rate sensitivity for net interest income.
Opportunities
- Expansion into adjacent geographic markets or through strategic acquisitions.
- Growth in wealth management and advisory services.
- Leveraging technology to enhance digital customer experience and operational efficiency.
- Capitalizing on economic growth and business expansion in its service areas.
- Cross-selling opportunities with existing and new customers.
Threats
- Intensifying competition from larger national banks, credit unions, and fintech companies.
- Rising interest rates could increase funding costs.
- Economic downturns leading to increased loan defaults and reduced demand for credit.
- Cybersecurity risks and data breaches.
- Regulatory changes and compliance costs.
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Bank of America Corporation (BAC)
- Wells Fargo & Company (WFC)
- PNC Financial Services Group, Inc. (PNC)
- Truist Financial Corporation (TFC)
Competitive Landscape
Regions Financial Corporation competes in a crowded market. While its large national competitors have greater scale and brand recognition, Regions benefits from its deep regional expertise and strong customer relationships in the Southeast. Its advantages lie in its localized approach and community focus, while disadvantages can include a smaller overall footprint and potentially less aggressive pricing on certain products compared to national giants.
Major Acquisitions
HomeBancorp, Inc.
- Year: 2019
- Acquisition Price (USD millions): 105
- Strategic Rationale: To expand Regions' presence in the attractive Atlanta metropolitan market and enhance its mortgage origination capabilities.
Crayton Commercial, LLC
- Year: 2021
- Acquisition Price (USD millions):
- Strategic Rationale: To bolster Regions' commercial banking capabilities and expertise, particularly in the Southeast.
Growth Trajectory and Initiatives
Historical Growth: Regions Financial Corporation has demonstrated consistent growth over the years, driven by organic expansion, strategic acquisitions, and an increasing focus on digital capabilities. Its growth has been particularly strong in its core Southeastern markets.
Future Projections: Analyst projections for Regions Financial Corporation generally indicate continued growth in revenue and earnings, supported by expected economic stability in its operating regions and ongoing strategic initiatives. Specific projections vary among analysts.
Recent Initiatives: Recent initiatives likely include investments in digital transformation, enhancements to customer experience platforms, expansion of its wealth management services, and targeted community outreach programs.
Summary
Regions Financial Corporation is a well-established regional bank with a solid foundation in the Southeast US. Its diversified business model, strong community ties, and growing digital capabilities are key strengths. While facing intense competition from larger national banks and nimble fintech firms, its strategic focus on customer relationships and targeted growth initiatives position it for continued success, though vigilance against evolving market threats remains crucial.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Regions Financial Corporation Investor Relations Website
- SEC Filings (10-K, 10-Q)
- Reputable Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Financial Data Aggregators (e.g., Yahoo Finance, Refinitiv)
Disclaimers:
This information is for informational purposes only and should not be construed as financial advice. Market share data and competitive landscape analysis are estimates and subject to change. Past performance is not indicative of future results. Investors should conduct their own due diligence before making any investment decisions.
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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