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Upturn AI SWOT - About
Regions Financial Corporation (RF-PF)
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Upturn Advisory Summary
08/14/2025: 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
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -2.84% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
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 traces its roots back to 1971 with the founding of First Alabama Bancshares. Over time, it grew through acquisitions and mergers, becoming Regions Financial Corporation in 1998. Key milestones include expanding its footprint across the Southeast and focusing on community banking.
Core Business Areas
- Corporate Banking: Provides financial solutions to businesses, including commercial lending, treasury management, and capital markets services.
- Consumer Banking: Offers a range of banking products and services to individuals, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Wealth Management: Provides investment management, financial planning, trust services, and insurance products to individuals and families.
Leadership and Structure
John M. Turner Jr. serves as the President and CEO. The organizational structure consists of various business segments and support functions, reporting to the CEO and executive leadership team. Regions operates with a decentralized structure, empowering local market leaders.
Top Products and Market Share
Key Offerings
- Commercial Loans: Regions provides a wide range of commercial loans to businesses of all sizes. Market share information is difficult to pinpoint precisely but Regions is a significant regional player. Competitors include Truist, Bank of America, and Wells Fargo. No data on user or revenue.
- Mortgages: Offers mortgage products to individuals. Competitors include national lenders like Rocket Mortgage and local and regional banks like Truist, PNC, and Wells Fargo. No data on user or revenue or market share.
- Credit Cards: Offers a variety of credit card products. Competitors include major credit card issuers like Chase, American Express, and Capital One. No data on user or revenue or market share.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies and is influenced by interest rate fluctuations and regulatory changes. Consolidation is a continuing trend.
Positioning
Regions Financial Corporation is a leading regional bank in the Southeast, focusing on providing comprehensive financial services to individuals and businesses. Its competitive advantage lies in its strong local presence, customer relationships, and focus on community involvement.
Total Addressable Market (TAM)
The total addressable market includes all banking customers within the Southeast, estimated at trillions of dollars. Regions Financial Corporation is positioned to capture a segment of this market through its regional focus and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Diversified revenue streams
- Strong customer relationships
- Solid capital base
- Experienced management team
Weaknesses
- Geographic concentration in the Southeast
- Exposure to regional economic downturns
- Dependence on interest rate environment
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking services
- Growing wealth management business
- Acquisitions of smaller banks
Threats
- Increased competition from national banks and fintech companies
- Regulatory changes
- Economic downturns
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Truist (TFC)
- PNC Financial Services (PNC)
- Bank of America (BAC)
- Wells Fargo (WFC)
Competitive Landscape
Regions benefits from a strong regional presence but is challenged by the larger scale and resources of national competitors. Its focus on customer service provides an advantage against larger players.
Major Acquisitions
Ascend National Healthcare Lending
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expanded Regions' specialty commercial banking capabilities within the healthcare industry and further diversified the portfolio.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires access to historical financial data.
Future Projections: Future projections for Regions Financial Corporation require access to analyst estimates.
Recent Initiatives: Recent strategic initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
Regions Financial Corporation is a well-established regional bank with a solid presence in the Southeast. Its diversified revenue streams and strong customer relationships are key strengths. The company faces challenges from larger competitors and economic uncertainties, but strategic initiatives and digital investments position it for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (e.g., 10-K, 10-Q)
- Analyst reports
- Industry publications
- Regions Financial Corporation Investor Relations website
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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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