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.
Analyst Perspectives | Discover varied analyst views on Regions Financial, with price targets ranging from $26 to $32, reflecting diverse opinions on the bank's future performance and growth potential |
Credit Quality Focus | Explore Regions' conservative approach to risk management, with net charge-offs at the upper end of the 0.40-0.50% range for 2024, balancing growth with prudent lending practices |
Strategic Portfolio Shift | Delve into Regions' proactive balance sheet management, including significant swap activities and securities portfolio restructuring to optimize interest rate sensitivity |
Financial Resilience | Regions Financial demonstrates strength with projected NII growth of 2-5% for 2025 and anticipated NIM expansion, showcasing adaptability in a challenging economic landscape |
Metrics to compare | RF | Sector Sector - Average of metrics from a broad group of related Financials sector companies | Relationship RelationshipRFPeersSector | |
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P/E Ratio | 9.2x | −82.6x | 8.5x | |
PEG Ratio | 0.79 | −0.49 | 0.03 | |
Price / Book | 1.0x | 0.7x | 1.0x | |
Price / LTM Sales | 2.6x | 3.6x | 2.6x | |
Upside (Analyst Target) | 29.5% | 30.6% | 21.2% | |
Fair Value Upside | Unlock | 27.3% | 4.0% | Unlock |