Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
RF 
Regions Financial Corporation (RF)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/14/2025: RF (3-star) is a SELL. SELL since 5 days. Simulated Profits (15.16%). 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 $29.1
1 Year Target Price $29.1
| 7 | Strong Buy |
| 3 | Buy |
| 13 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 27.91% | Avg. Invested days 59 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 22.45B USD | Price to earnings Ratio 11.49 | 1Y Target Price 29.1 |
Price to earnings Ratio 11.49 | 1Y Target Price 29.1 | ||
Volume (30-day avg) 24 | Beta 1.03 | 52 Weeks Range 17.36 - 27.61 | Updated Date 10/14/2025 |
52 Weeks Range 17.36 - 27.61 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 4.07% | Basic EPS (TTM) 2.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-17 | When Before Market | Estimate 0.6 | Actual - |
Profitability
Profit Margin 30.5% | Operating Margin (TTM) 46.98% |
Management Effectiveness
Return on Assets (TTM) 1.33% | Return on Equity (TTM) 11.57% |
Valuation
Trailing PE 11.49 | Forward PE 10.5 | Enterprise Value 22714169344 | Price to Sales(TTM) 3.3 |
Enterprise Value 22714169344 | Price to Sales(TTM) 3.3 | ||
Enterprise Value to Revenue 4.12 | Enterprise Value to EBITDA - | Shares Outstanding 892308354 | Shares Floating 888069889 |
Shares Outstanding 892308354 | Shares Floating 888069889 | ||
Percent Insiders 0.29 | Percent Institutions 82.62 |
Upturn AI SWOT
Regions Financial Corporation
Company Overview
History and Background
Regions Financial Corporation traces its roots back to 1971 with the merger of First National Bank of Huntsville, Alabama, and Exchange Security Bank of Birmingham, Alabama, forming First Alabama Bancshares. Over the years, it expanded through numerous acquisitions, evolving into Regions Financial Corporation in 1998.
Core Business Areas
- Corporate Banking: Provides a wide array of commercial banking services, including lending, treasury management, and capital markets solutions to businesses of all sizes.
- Consumer Banking: Offers a range of retail banking products and services, including checking and savings accounts, credit cards, mortgages, and personal loans.
- Wealth Management: Provides investment management, trust services, and financial planning to individuals and families.
Leadership and Structure
John M. Turner Jr. serves as the President and CEO. The organizational structure is hierarchical, with various executive leaders overseeing different business segments and support functions. The company operates with a board of directors responsible for corporate governance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Regions provides various commercial loans including term loans, lines of credit, and real estate financing. Market share data isn't readily available on a product basis. Key competitors include Bank of America, Wells Fargo and Truist.
- Mortgage Loans: Offers a variety of mortgage products including fixed-rate, adjustable-rate, and government-backed loans. Market share data isn't readily available on a product basis. Competitors include Chase, Rocket Mortgage, and Wells Fargo.
- Checking Accounts: Provides various personal and business checking account options with different features and benefits. Market share data isn't readily available on a product basis. Competitors include Chase, Bank of America and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, heightened regulatory scrutiny, and growing competition from fintech companies. The industry is also facing challenges related to cybersecurity and economic uncertainty.
Positioning
Regions Financial Corporation is a regional bank primarily serving the Southeastern and Midwestern United States. It differentiates itself through its strong customer relationships and community involvement. Its competitive advantage lies in its regional focus and expertise in these markets.
Total Addressable Market (TAM)
The total addressable market for banking services in the Southeast and Midwest regions is substantial. Regions Financial Corporation is well positioned to capture a significant portion of this TAM due to its established presence and strong brand recognition. The overall TAM is estimated to be several hundred billions of USD.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Solid capital position
- Established customer relationships
- Experienced management team
Weaknesses
- Geographic concentration
- Reliance on net interest income
- Exposure to economic downturns in the Southeast and Midwest
- Lower technology investment relative to large banks
Opportunities
- Expansion into new markets within the Southeast and Midwest
- Increased adoption of digital banking services
- Growth in wealth management business
- Strategic acquisitions of smaller banks or fintech companies
- Increasing market share through competitive offerings
Threats
- Increasing competition from larger national banks and fintech companies
- Rising interest rates impacting loan demand
- Economic recession or slowdown
- Cybersecurity threats and data breaches
- Changes in regulations
Competitors and Market Share
Key Competitors
- BAC
- WFC
- KEY
- FITB
- PNC
- USB
Competitive Landscape
Regions Financial Corporation faces intense competition from larger national banks and smaller regional players. Its advantages include its strong regional presence, customer relationships, and brand recognition. Its disadvantages include its geographic concentration and relatively smaller size.
Major Acquisitions
Ascend Federal Credit Union branches
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: Adding 4 branches to Regions' network which had been previously closed by Ascend Federal Credit Union.
Growth Trajectory and Initiatives
Historical Growth: Regions Financial Corporation's historical growth has been driven by organic growth, acquisitions, and expansion into new markets. Analyzing past financial data is needed.
Future Projections: Future growth projections depend on analyst estimates from financial analysis reports.
Recent Initiatives: Recent strategic initiatives would include those aimed at improving operational efficiency, enhancing customer experience, and expanding digital capabilities.
Summary
Regions Financial Corporation is a well-established regional bank with a solid presence in the Southeast and Midwest. The company benefits from diversified revenue streams and strong customer relationships. However, it faces challenges from larger national banks and economic uncertainties. Continued investment in technology and strategic expansion are essential for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Company Website
- Industry Reports
- Financial News Articles
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are approximate and may vary depending on the source. All financial data is subject to change and should be verified independently.
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 | |
Full time employees 19644 | |||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.