How Is Regions Financial’s Stock Performance Compared to Other Regional Bank Stocks?

Valued at a market cap of $20.3 billion, Regions Financial Corporation (RF) is a full-service provider of consumer and commercial banking, wealth management, and mortgage products and services. Based in Birmingham, Alabama, the company operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. 

Companies valued at $10 billion or more are generally labeled as “large-cap” stocks and Regional Financial fits this criterion perfectly. The company is one of the nation’s largest full-service providers and serves customers across the South, Midwest and Texas. Its subsidiary, Regions Bank, operates approximately 1,250 banking offices and more than 2,000 ATMs.

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However, the company declined 19.8% from its 52-week high of $27.96. Over the past three months, RF dropped 6.7%, performing slightly weaker than the iShares U.S. Regional Banks ETF’s (IAT) 6.3% dip.

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In the longer term, Regional Financial has slipped 4.7% on a YTD basis, whereas IAT edged down 5.4%. However, shares of RF have risen 12.4% over the past 52 weeks, lagging behind IAT’s 13.9% gain over the same time frame. 

RF has been trading below its 50-day moving average since mid-December. Also, the stock has fallen below its 200-day moving average since March. 

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Shares of Regions Financial reported a 38% year-over-year increase in Q4 2024 net income to $508 million, or $0.56 per share. Capital markets income more than doubled, and wealth management income grew 7.7%, benefiting from a resurgence in dealmaking activity. Additionally, the bank’s provision for credit losses dropped to $120 million, and while net interest income (NII) remained flat at $1.2 billion, the company projected 2% - 5% NII growth in 2025. However, RF shares fell 1.3%  on Jan. 17.

Additionally, in comparison, rival ACNB Corporation (ACNB) has surpassed RF. ACNB is up 3.8% on a YTD basis and 17.8% over the past 52 weeks.

Despite RF’s underperformance relative to its industry peers over the past year, analysts are moderately optimistic about its prospects. RF has a consensus rating of “Moderate Buy” from the 23 analysts covering the stock. As of writing, Regions Financial is trading below the mean price target of $27.26.