-0.52%
4.32%
4.58%
18.01%
37.19%
4.50%
55.36%
AI Spotlight on RF
Company Description
Regions Financial Corporation, a financial holding company, provides banking and bank-related 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; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services.
It serves 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 deposits.The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities.
The company also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services.As of March 01, 2022, it operated through a network of 1,300 banking offices and 2,000 automated teller machines across the South, Midwest, and Texas.Regions Financial Corporation was founded in 1971 and is headquartered in Birmingham, Alabama.
Market Data
| Last Price | 24.64 |
| Change Percentage | -0.52% |
| Open | 24.7 |
| Previous Close | 24.77 |
| Market Cap ( Millions) | 22394 |
| Volume | 13614324 |
| Year High | 27.96 |
| Year Low | 17.42 |
| M A 50 | 24.94 |
| M A 200 | 22.33 |
Financial Ratios
| FCF Yield | 11.30% |
| Dividend Yield | 3.98% |
| ROE | 14.31% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 3286.53 |
| Price Earnings Ratio | 11.91 |
| Price To FCF | 8.85 |
| Price To sales | 3.51 |
| EV / EBITDA | 11.91 |
News
- Feb -02 - Regions Financial: Investors Can Bank On The Long-Term Prospects
- Jan -26 - Top Banks Blew Out Earnings: Buy the 4 Highest-Yielding Dividend Stocks Now
- Jan -22 - Regions Financial Corporation Declares Series C Preferred Stock Dividend
- Jan -20 - Why Regions Financial (RF) is a Top Dividend Stock for Your Portfolio
- Jan -17 - Regions Bank Q4 Sees Growth in Digital Transactions and Treasury Management
- Jan -17 - Regions Financial Corporation (RF) Q4 2024 Earnings Call Transcript
- Jan -17 - Regions Financial Q4 Earnings Beat, Non-Interest Income Rises Y/Y
- Jan -17 - Here's What Key Metrics Tell Us About Regions Financial (RF) Q4 Earnings
- Jan -17 - Regions Financial (RF) Surpasses Q4 Earnings Estimates
- Jan -17 - A Strong Foundation for 2025. Regions reports 2024 earnings of $1.8 billion, earnings per diluted share of $1.93
- Jan -14 - Rise in NII & Fee Income to Aid Regions Financial in Q4 Earnings
- Jan -11 - 3 Ideal Buys From 51 'Safer' Dividends In 100 January Barron's Sustainable Dogs
- Jan -09 - Will Regions Financial (RF) Beat Estimates Again in Its Next Earnings Report?
- Jan -09 - Buy 6 'Safer' Dividend Dogs Of 23 January Barron's Better Bets Than T-Bills
- Dec -18 - Regions Bank Reduces its Prime Lending Rate
- Dec -17 - Regions Financial to Announce Fourth Quarter and Full-Year 2024 Financial Results on Jan. 17, 2025
- Dec -12 - 2 Ideal Buys From 50 'Safer' Dividends In 100 December Sustainables
- Dec -11 - Regions Financial (RF) Upgraded to Buy: What Does It Mean for the Stock?
- Dec -11 - 5 High ROE Stocks to Buy as Volatility Weighs on Markets
- Dec -11 - Roger W. Jenkins Appointed to the Regions Financial Corp. and Regions Bank Boards of Directors
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Consumer Bank
Expected Growth : 3.5 %
What the company do ?
Consumer Bank from Regions Financial Corporation offers a range of personal banking services, including checking, savings, credit cards, loans, and investment products to individuals and families.
Why we expect these perspectives ?
Regions Financial Corporation's Consumer Bank segment growth of 3.5% is driven by increasing consumer spending, low unemployment rates, and rising wages. Additionally, the bank's digital transformation efforts, expansion of its credit card offerings, and strategic partnerships have contributed to the growth. Furthermore, the bank's focus on customer experience and relationship-building has led to increased customer loyalty and retention.
Segment n°2 -> Corporate Bank
Expected Growth : 3.8 %
What the company do ?
The Corporate Bank from Regions Financial Corporation provides cash management, treasury management, and capital markets services to large corporations and institutions.
Why we expect these perspectives ?
Regions Financial Corporation's Corporate Bank segment growth of 3.8% is driven by a strong commercial loan pipeline, increased treasury management services, and a growing interest in capital markets products. Additionally, the segment benefits from a favorable interest rate environment, a robust economy, and strategic investments in digital capabilities, resulting in improved customer acquisition and retention.
Segment n°3 -> Wealth Management
Expected Growth : 4.2 %
What the company do ?
Regions Wealth Management offers investment, trust, and estate services to individuals, families, and businesses, providing personalized financial planning and management solutions.
Why we expect these perspectives ?
Regions Financial Corporation's Wealth Management segment growth of 4.2% is driven by increasing demand for investment and retirement services, strategic acquisitions, and expansion of advisory services. Additionally, the segment benefits from the company's strong brand reputation, diversified product offerings, and a growing affluent client base seeking comprehensive wealth management solutions.
Segment n°4 -> Other
Expected Growth : 3.2 %
What the company do ?
Other from Regions Financial Corporation refers to the residual segment consisting of non-banking activities, including insurance and securities brokerage.
Why we expect these perspectives ?
Regions Financial Corporation's 3.2% growth is driven by strategic acquisitions, expansion of mortgage banking and insurance businesses, and a focus on digital transformation, resulting in increased revenue and efficiency gains. Additionally, a favorable interest rate environment and a strong balance sheet have contributed to the company's growth momentum.
Regions Financial Corporation Products
| Product Range | What is it ? |
|---|---|
| Consumer Banking | Regions offers a range of consumer banking products and services, including checking and savings accounts, credit cards, personal loans, and mortgages. |
| Commercial Banking | Regions provides commercial banking services to businesses, including cash management, treasury management, and lending solutions. |
| Wealth Management | Regions offers wealth management services, including investment management, trust services, and insurance solutions. |
| Mortgage Banking | Regions provides mortgage banking services, including mortgage lending and mortgage servicing. |
| Insurance | Regions offers insurance products, including life insurance, disability insurance, and long-term care insurance. |
| Treasury Management | Regions provides treasury management services, including cash management, foreign exchange, and trade finance. |
| Capital Markets | Regions offers capital markets services, including investment banking, equity and fixed income sales and trading, and research. |
Regions Financial Corporation's Porter Forces
Threat Of Substitutes
Regions Financial Corporation operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand reputation and wide range of financial services mitigate the threat of substitutes.
Bargaining Power Of Customers
Regions Financial Corporation's customers have significant bargaining power due to the availability of alternative financial institutions and online banking services. This forces the company to maintain competitive pricing and high-quality services.
Bargaining Power Of Suppliers
Regions Financial Corporation has a diverse supplier base, and no single supplier has significant bargaining power. The company's large scale of operations also gives it negotiating power over its suppliers.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory requirements and significant capital investments. Regions Financial Corporation's established brand and large customer base also make it difficult for new entrants to gain traction.
Intensity Of Rivalry
The banking industry is highly competitive, with many established players competing for market share. Regions Financial Corporation faces intense rivalry from other regional banks, national banks, and online banking services, which drives innovation and competitive pricing.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 12.20% |
| Debt Cost | 10.05% |
| Equity Weight | 87.80% |
| Equity Cost | 10.05% |
| WACC | 10.05% |
| Leverage | 13.90% |
Regions Financial Corporation : Quality Control
Regions Financial Corporation passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CMA | Comerica Incorporated, through its subsidiaries, provides various financial products and services. It operates through Commercial Bank, Retail Bank, Wealth Management, and Finance segments. The Commercial Bank segment offers various products … |
| KEY | KeyCorp operates as the holding company for KeyBank National Association that provides various retail and commercial banking products and services in the United States. It operates in two segments, Consumer … |
| FHN | First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. The company operates through three segments: Regional Banking, Specialty Banking, and Corporate. … |
| FHB | First Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking services to consumer and commercial customers in the United States. It … |
| FNB | F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Regions Financial
A-Score
1-Year Total Return ->
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First Horizon
A-Score
1-Year Total Return ->
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First Hawaiian
A-Score
1-Year Total Return ->
4
Comerica
A-Score
1-Year Total Return ->
5
FNB
A-Score
1-Year Total Return ->
6
