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Upturn AI SWOT - About
Regions Financial Corporation (RF-PF)
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Upturn Advisory Summary
06/30/2025: 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.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.9% | Avg. Invested days 26 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
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 - |
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 formation of First Alabama Bancshares. Throughout the 1980s and 1990s, the company grew through acquisitions. In 1998, First Alabama Bancshares changed its name to Regions Financial Corporation.
Core Business Areas
- Corporate Banking: Provides commercial and industrial, commercial real estate, and specialized industry lending, as well as treasury management and capital markets services.
- Consumer Banking: Offers traditional banking services including checking accounts, savings accounts, loans, and mortgages to individuals and small businesses.
- Wealth Management: Provides wealth management services, including investment management, trust services, and financial planning.
Leadership and Structure
John Naber is the Chairman of the Board. The company is structured with various executive leadership positions overseeing different business segments and functions, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides various commercial loans to businesses. Competitors include Bank of America, Wells Fargo, and Truist. Difficult to provide precise market share of commercial loans due to the fragmented market, but Regions competes within the Southeast region of the US.
- Mortgages: Offers mortgage loans to individuals. Competitors include Rocket Mortgage, Wells Fargo, and Chase. Regions competes regionally in mortgage origination.
- Credit Cards: Offers various credit cards to individual customers. Competitors include Chase, Amex, and Capital One. Regions' credit card portfolio is smaller relative to the top players.
Market Dynamics
Industry Overview
The banking industry is currently influenced by factors such as interest rate fluctuations, regulatory changes, technological advancements (fintech), and economic cycles. There is increasing competition from non-traditional financial institutions.
Positioning
Regions Financial Corporation is a regional bank primarily operating in the Southern United States. Its competitive advantages include a strong regional presence, established customer relationships, and a focus on community banking.
Total Addressable Market (TAM)
The total addressable market for banking services in the U.S. is multi-trillion. Regions is positioned to capture a portion of the banking demand across the South East region, including retail banking, commercial banking, wealth management, and lending.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the South
- Established customer relationships
- Diversified revenue streams
- Sound risk management practices
- Focus on community involvement
Weaknesses
- Limited geographic diversification
- Lower brand recognition compared to national banks
- Reliance on interest income
- Exposure to regional economic fluctuations
- Smaller scale relative to larger competitors
Opportunities
- Expanding into new markets within the South
- Acquiring smaller banks and financial institutions
- Leveraging technology to enhance customer experience
- Increasing fee income through wealth management and investment services
- Capitalizing on the growth of the Southeastern economy
Threats
- Increasing competition from national and online banks
- Rising interest rates
- Economic downturns
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- KEY
Competitive Landscape
Regions Financial Corporation faces intense competition from larger national banks and smaller regional players. The company's competitive advantages include its strong regional presence, established customer relationships, and focus on community banking.
Major Acquisitions
Ascend Agency
- Year: 2021
- Acquisition Price (USD millions): 87.5
- Strategic Rationale: To expand its digital marketing capabilities and offer clients enhanced customer engagement solutions.
Growth Trajectory and Initiatives
Historical Growth: Regions Financial Corporation has grown steadily over the past years through organic growth and acquisitions.
Future Projections: Analyst estimates vary. It is recommended that these are updated with latest estimates.
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion into new markets within the South, and acquisitions of smaller banks and fintech companies.
Summary
Regions Financial Corporation is a strong regional bank with a solid presence in the South. Its strengths include established customer relationships and diversified revenue streams. However, it faces challenges from larger national banks and economic fluctuations. Its technology investments and strategic acquisitions should support future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Regions Financial Corporation Investor Relations
- SEC Filings (10K, 10Q)
- Industry Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Actual results may vary. Market share data is approximate and may be based on estimates.
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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