Regions Financial Corporation
- 取引所
- 米国株
- 国 / 地域
- USA
- 上場日
- 1990年3月26日
- 従業員数
- 20,003
- 公式サイト
- www.regions.com
総合バリュエーションレンジ · 保守的 $21–$24 / 妥当 $26–$31 / 楽観的 $35–$40。$30.74 時点で 妥当な本源的価値レンジ内。
レポート公開時 $27.83（2026年5月29日）
データ提供：EODHD、報告通貨で表示。参考情報であり、投資助言ではありません。
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, as well as other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.
沿革
Regions Financial Corporation is a financial holding company founded in 1971 and headquartered in Birmingham, Alabama, with its common stock first listed on 1990-03-26. It operates through the segments Corporate Bank, Consumer Bank, Wealth Management, and Other, serving individual and corporate customers across the U.S. South, Midwest, and Texas. The company has gradually consolidated its physical footprint, with branch count declining from 1,302 at year-end 2021 to 1,247 by year-end 2025, alongside 1,786 ATMs and roughly 19,910 employees. By year-end 2025 it had grown to approximately $158.8 billion in total assets and about $131.1 billion in total deposits.
業界での地位
Regions Financial ranks among the large U.S. regional/super-regional banks, with approximately $158.8 billion in total assets at year-end 2025, though it is not a national top-tier giant. Its core franchise rests on a low-cost, granular deposit base: interest-bearing deposit cost was 1.72% in the first quarter of 2026 (described as peer-leading), average account balance was about $19,000, and roughly 60% of deposits were FDIC-insured (about $52.3 billion, or ~40%, uninsured at year-end 2025). Operating metrics in the first quarter of 2026 included a 3.67% net interest margin, 18.26% ROATCE, and a 56.6% efficiency ratio. Sources of competitive advantage include the low-cost deposit base and asset-liability management, switching costs in corporate cash management, credit, and wealth relationships, and banking-license and regulatory barriers; competition comes from larger national banks, other regional banks, credit unions, and fintech firms, with PNC, FITB, HBAN, and TFC cited as comparable regional banks.
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