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Upturn AI SWOT - About
RF 
Regions Financial Corporation (RF)
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Upturn Advisory Summary
08/08/2025: RF (3-star) is a STRONG-BUY. BUY since 61 days. Profits (12.35%). 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 $28.42
1 Year Target Price $28.42
| 7 | Strong Buy |
| 3 | Buy |
| 13 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.83% | Avg. Invested days 52 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/08/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 22.24B USD | Price to earnings Ratio 11.64 | 1Y Target Price 28.42 |
Price to earnings Ratio 11.64 | 1Y Target Price 28.42 | ||
Volume (30-day avg) 24 | Beta 1.02 | 52 Weeks Range 17.53 - 27.09 | Updated Date 08/8/2025 |
52 Weeks Range 17.53 - 27.09 | Updated Date 08/8/2025 | ||
Dividends yield (FY) 4.06% | Basic EPS (TTM) 2.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-18 | When Before Market | Estimate 0.56 | Actual 0.59 |
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 11.64 | Forward PE 10.86 | Enterprise Value 22714169344 | Price to Sales(TTM) 3.26 |
Enterprise Value 22714169344 | Price to Sales(TTM) 3.26 | ||
Enterprise Value to Revenue 3.93 | Enterprise Value to EBITDA - | Shares Outstanding 892307968 | Shares Floating 887980658 |
Shares Outstanding 892307968 | Shares Floating 887980658 | ||
Percent Insiders 0.3 | Percent Institutions 83.46 |
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. Over time, through mergers and acquisitions, it evolved into Regions Financial Corporation, a major regional bank holding company.
Core Business Areas
- Corporate Banking: Provides commercial and industrial loans, real estate lending, equipment finance, and other financial services to businesses.
- Consumer Banking: Offers a range of financial services to individuals, including checking and savings accounts, personal loans, mortgages, and credit cards.
- Wealth Management: Provides investment management, trust services, and financial planning to individuals and institutions.
Leadership and Structure
Regions Financial Corporation is led by a Board of Directors and a management team headed by the CEO. The organizational structure is designed to support its various business segments.
Top Products and Market Share
Key Offerings
- Consumer Banking: Checking and savings accounts, credit cards, mortgage lending, and auto loans for individual consumers. Competitors include Bank of America, Wells Fargo, and Chase. Market share data is dynamic and varies by product and geography.
- Commercial Lending: Loans and lines of credit to businesses of varying sizes. Competitors include Truist, PNC, and US Bank. Market share data is dynamic and varies by product and geography.
- Wealth Management Services: Investment advice, trust and estate planning, and asset management services. Competitors include Morgan Stanley, Merrill Lynch, and Raymond James. Market share data is dynamic and varies by product and geography.
Market Dynamics
Industry Overview
The banking industry is currently undergoing significant changes driven by technological advancements, increasing regulatory scrutiny, and shifting customer preferences.
Positioning
Regions Financial Corporation is positioned as a super-regional bank focused on the Southeastern and Midwestern United States. Its competitive advantage lies in its strong local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be in the trillions of dollars. Regions is positioned to serve a portion of this TAM through its regional focus.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast and Midwest
- Diversified revenue streams
- Focus on customer service
- Conservative risk management practices
Weaknesses
- Geographic concentration
- Dependence on interest rate environment
- Relatively smaller size compared to national banks
- Limited international presence
Opportunities
- Expansion into new markets within its regional footprint
- Investment in digital banking technologies
- Growth in wealth management business
- Strategic acquisitions
Threats
- Increased competition from national and online banks
- Economic downturn impacting loan demand
- Rising interest rates increasing funding costs
- Regulatory changes impacting profitability
Competitors and Market Share
Key Competitors
- BAC
- WFC
- PNC
- USB
- KEY
Competitive Landscape
Regions Financial Corporation faces intense competition from larger national banks and smaller regional players. Its ability to differentiate itself through customer service and local expertise is crucial.
Major Acquisitions
Ascendancy Healthcare
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Added healthcare industry expertise to support banking relationships with healthcare providers.
Growth Trajectory and Initiatives
Historical Growth: Regions Financial Corporation's growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections are based on analyst estimates and company guidance. These projections are subject to change.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of wealth management services, and cost-saving measures.
Summary
Regions Financial Corporation is a well-established regional bank with a strong presence in the Southeast and Midwest. Its diversified business model and focus on customer service are key strengths. However, it faces challenges from larger national banks and needs to adapt to the evolving digital landscape. Its recent strategic initiatives and acquisitions appear sound, and it must be wary of economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Market data providers
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on your own research and due diligence.
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.
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