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Upturn AI SWOT - About
Regions Financial Corporation (RF-PF)
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Upturn Advisory Summary
10/15/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit -0.96% | Avg. Invested days 51 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
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) - | Beta 0.98 | 52 Weeks Range 22.25 - 25.60 | Updated Date 06/16/2025 |
52 Weeks Range 22.25 - 25.60 | Updated Date 06/16/2025 | ||
Dividends yield (FY) 6.95% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.25% | Operating Margin (TTM) 46.98% |
Management Effectiveness
Return on Assets (TTM) 1.28% | Return on Equity (TTM) 11.31% |
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 894687204 |
Shares Outstanding - | Shares Floating 894687204 | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Regions Financial Corporation
Company Overview
History and Background
Regions Financial Corporation was founded in 1971 as First Alabama Bancshares. It evolved through mergers and acquisitions, becoming Regions Financial Corporation in 1998. Key milestones include the acquisition of AmSouth Bancorporation in 2006.
Core Business Areas
- Corporate Banking: Provides services to large corporations, including commercial lending, treasury management, and investment banking.
- Consumer Banking: Offers a range of services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
John M. Turner Jr. is the current President and CEO. The organizational structure includes various business units and support functions, reporting to the CEO and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, expansion, and acquisitions. Market share data is difficult to pinpoint precisely but Regions is a major player in the Southeast. Competitors include Truist, PNC, and Bank of America.
- Mortgage Loans: Loans to individuals for purchasing homes. Revenue data is not publicly broken out specifically for mortgages. Competitors include Wells Fargo, JPMorgan Chase, and Rocket Mortgage.
- Treasury Management Services: Services for businesses to manage their cash flow and optimize their finances. Revenue contribution not broken out, Key competitors include Bank of America, JPMorgan Chase and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory scrutiny. Consolidation is ongoing, and digital transformation is crucial.
Positioning
Regions is a regional bank focused on the Southeastern United States. Its competitive advantages include a strong regional presence, customer service, and a diversified product offering.
Total Addressable Market (TAM)
The TAM for banking services in the Southeastern US is estimated to be in the hundreds of billions of dollars. Regions is well-positioned to capture a portion of this market through its established presence and growth initiatives.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Diversified revenue streams
- Customer-focused approach
- Solid capital position
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking models
- Susceptibility to regional economic downturns
Opportunities
- Expansion into new markets within the Southeast
- Growth in wealth management business
- Adoption of digital banking technologies
- Increased demand for financial services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- PNC
- USB
- KEY
Competitive Landscape
Regions has a strong regional presence, but faces competition from larger national banks and smaller community banks. Its advantages include customer service and a diversified product offering. Disadvantages include limited geographic diversification compared to larger competitors.
Major Acquisitions
Ascend Two Insurance
- Year: 2023
- Acquisition Price (USD millions): 217
- Strategic Rationale: The strategic reasons behind this acquisition include expansion of insurance services and increase in non-interest income.
Growth Trajectory and Initiatives
Historical Growth: Regions has experienced steady growth over the past decade, driven by acquisitions and organic growth in its core markets.
Future Projections: Analysts project continued growth for Regions, driven by expansion in its wealth management business and increased demand for financial services in the Southeast.
Recent Initiatives: Recent initiatives include investments in digital banking technologies, expansion into new markets within the Southeast, and focus on customer experience.
Summary
Regions Financial Corporation is a solid regional bank with a strong presence in the Southeast. Its diversified revenue streams and customer-focused approach are working well. Regions needs to be cautious of rising interest rates, competition from fintech companies, and regional economic downturns. Its recent acquisition should help boost income.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Regions Financial Corporation Investor Relations
- SEC Filings
- Analyst Reports
- MarketWatch
- Yahoo Finance
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. The Market share percentages are estimates and can vary depending on the source and calculations.
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 | |
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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