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Key Takeaways Regions Financial approved a new $3B repurchase plan effective January 2026 through December 2027.The authorization replaces the current plan, under which 61M shares were repurchased.Repurchases will vary based on market conditions, capital generation, and loan growth.Shares of Regions Financial Corporation (RF) gained nearly 5.3% following the announcement of a new share repurchase program on Wednesday. The company's board of directors approved a new share repurchase program worth up to $3 bi ...

Based in Birmingham, Alabama, Regions Financial Corporation (RF) commands approximately $160 billion in assets and stands among the nation’s largest full-service banking providers. The scale reinforces the company's ability to meet diverse consumer and commercial needs, strengthening its competitive positioning across banking, wealth management, and mortgage services. More News from Barchart With an approximately $24 billion market cap, RF stock firmly occupies the “large-cap” category reserved for co ...

PresentationNancy SouthernChair & CEO Good morning, good afternoon and good evening, wherever you are to everyone on the call. Thank you for joining us. I'm Nancy Southern, Chair and Chief Executive Officer of ATCO. Welcome to the Special Meeting of holders of Class II voting shares of ATCO Limited. Today's meeting is being held virtually by webcast. The virtual format we are using enables shareowners and duly appointed proxy holders to participate, submit questions and in the case of registered Class II s ...

PresentationRyan NashGoldman Sachs Group, Inc., Research Division Up next, we're excited to have Regions joining us once again. Had another strong year, growing revenues well ahead of expenses, manage its credit well and returning capital. While growth has been slow across the industry, Regions appear as poised to deliver improving loan growth in '26 and beyond, continues to have the best-in-class deposit base, has allowed us to have the highest returns in the peer group for the last 4 or 5 years. Here to ...

Summary of Conference Call Company Overview - The company has focused on creating consistent, sustainable, long-term performance over the last 10 years, prioritizing soundness, profitability, and growth [2][3][4] - Investments have been made in business, talent, and technology to diversify revenue [2][6] Key Financial Performance - The company has improved credit risk management and capital allocation, leading to strong results in the CCAR process [3] - Shareholder value has been driven by a compound annual growth rate of over 10% in dividends over the last six years and significant share buybacks [3][4] - The return on tangible common equity has improved from the bottom to the top of the peer group over the last five years [4] - Earnings per share growth has been in the top quartile over the last three, five, and ten years [4] Market Position and Growth Strategy - The company has experienced top deposit growth among peers at a lower cost [6] - Eight priority markets have been identified for growth, contributing over 50% of deposit growth in the last five years [6] - Plans to add 170 bankers over the next three years to enhance service in key markets [6][7] Economic and Client Sentiment - The economy in the company's markets is characterized as decent, with good job creation and consumer confidence [12][14] - Client sentiment in the wholesale business has improved, with a 75% probability to close pipeline up 84% year-over-year [14] Competition and Market Dynamics - Increased competition from larger banks is noted, but the company believes its long-standing presence and local leadership provide a competitive edge [16][19] - The company aims to leverage disruptions in the market to grow its share [19] Loan Growth and Capital Management - Loan growth has been impacted by strategic de-risking, with a focus on maintaining soundness and profitability [27][28] - Total client liquidity is expected to lead to loan growth in 2026 as customers begin to draw down excess liquidity [14][28] Revenue Components and Fee Income - Fee income has grown by 5% year-to-date, with expectations for continued growth in service charges, treasury management, and wealth management [37][38] - The company is focused on enhancing its treasury management services and small business opportunities [41][42] Technology and Systems Upgrade - A significant technology project is underway, expected to be completed by 2027, which will modernize the deposit system and improve operational efficiency [59][74] - The new system is anticipated to increase speed to market for new products and services, providing a competitive advantage [74] Capital Allocation and Share Buybacks - The company maintains a CET1 ratio of almost 11%, with capital priorities focused on supporting organic growth, paying dividends, and potential non-depository acquisitions [50][52] - A new $3 billion share buyback plan has been announced, but the company prefers to use capital for growth rather than buybacks [52][54] Conclusion - The company is positioned for strong performance in 2026, with a focus on loan growth, margin improvement, and continued investment in technology and talent [33][35][63]

Market Overview - The U.S. stock market faced significant turbulence in November 2025, influenced by elevated valuations, mixed economic signals, and changing expectations for the Federal Reserve's monetary policy [1][2] - The pullback in AI-linked megacap stocks led to profit-taking, impacting broader indices, with the S&P 500 and Dow Jones Industrial Average showing modest gains while the Nasdaq Composite declined [1] Economic Indicators - Heavy selling in equities occurred mid-November due to a breakdown in the "AI trade" and reduced odds for rate cuts following hawkish Fed remarks amid a government shutdown [2] - Sentiment improved during the Thanksgiving week as weakening labor market data and dovish economic indicators raised hopes for a potential Fed rate cut in December [2] Sector Performance - Rate-sensitive sectors, particularly Financial Services, emerged as top performers in November, benefiting from optimism around economic stability and expectations of rate cuts [3] - Five selected bank stocks outperformed the S&P 500 in November, driven by rising net interest income (NII), acquisitions, and regional expansions [7] Selected Bank Stocks - Citizens Financial Group (CFG), Huntington Bancshares (HBAN), Regions Financial (RF), U.S. Bancorp (USB), and Fifth Third Bancorp (FITB) are highlighted as strong performers with market caps of $20 billion or more [5][7] - CFG reported $222.7 billion in assets and is on track to meet its 2025 targets for deposits, loans, and assets under management [9][10] - HBAN's recent acquisitions and expansion plans are expected to drive loan and deposit growth, with management projecting an 8% increase in loans and 5.5% in deposits for 2025 [17][18] - USB is focusing on expanding consumer and commercial deposits and enhancing fee-based revenue through payment innovations, with a market cap of $76.24 billion [22][21] - RF is advancing its growth strategy through acquisitions and is benefiting from rising loan pipelines, with a market cap of $22.32 billion [25][24] - FITB is expanding its geographic footprint and has announced a merger with Comerica, which will create the ninth-largest U.S. bank, with a market cap of $28.73 billion [30][31]

Core Viewpoint - The Zacks Rank system identifies winning stocks by focusing on earnings estimates and revisions, while also considering trends in value, growth, and momentum to find strong investment opportunities [1][2]. Value Investing - Value investing is a popular strategy that relies on traditional analysis of key valuation metrics to identify undervalued stocks with potential for profit [2]. Zacks Style Scores System - Zacks has developed a Style Scores system to identify stocks with specific traits, particularly in the "Value" category, where stocks with "A" grades and high Zacks Ranks are considered strong value stocks [3]. Regions Financial (RF) Overview - Regions Financial (RF) currently holds a Zacks Rank of 2 (Buy) and an "A" grade in the Value category, making it a stock to watch [3]. Valuation Metrics - RF has a Price-to-Book (P/B) ratio of 1.41, which is attractive compared to the industry average of 1.68. Over the past year, RF's P/B has ranged from a low of 0.99 to a high of 1.48, with a median of 1.29 [4]. - RF's Price-to-Cash Flow (P/CF) ratio is 11.25, significantly lower than the industry average of 16.61. The P/CF for RF has fluctuated between 7.82 and 13.09 over the past 52 weeks, with a median of 10.70 [5]. Investment Outlook - The combination of RF's attractive valuation metrics and strong earnings outlook suggests that the stock is currently undervalued, positioning it as an impressive value stock [6].

Core Modernization Efforts - Regions is focusing on core modernization efforts to enhance its technology infrastructure and operations [4] - The company aims to leverage advancements in technology to improve efficiency and service delivery [4] Technology and Data Strategy - Regions has appointed a Chief Data and Analytics Officer to oversee its data strategy, which includes leveraging AI for revenue growth and risk management [3] - The enterprise technology and operations are managed by a leader with over 30 years of experience in the banking technology sector [2] Payment Systems and Innovation - The company is exploring new real-time payment rails as part of its enterprise payments and open banking initiatives [3] - There is an emphasis on adapting to evolving payment technologies to meet customer needs [3]

Summary of Regions Financial FY Conference Call Company Overview - **Company**: Regions Financial (NYSE: RF) - **Date**: November 19, 2025 - **Focus**: Core modernization efforts, technology strategies, AI implementation, payment services, and open banking initiatives Key Points Core Modernization Efforts - Regions Financial is approximately two and a half years into its core modernization project, focusing on two main systems: commercial lending and core deposit systems [5][7] - The modernization includes rebuilding the API layer to enhance system integration and investing in digital channels, including a new mobile app [5][6] - The core lending platform is expected to be deployed in Q2 2026, while the core deposit system is undergoing final testing [7][10] - The modernization aims to replace outdated COBOL systems, enabling the bank to offer new products and services more efficiently [10][11] AI and Data Strategy - Regions has been leveraging AI and machine learning for over six years, developing data products to enhance business unit performance [14][15] - The "Regions Client IQ" product provides relationship managers with insights and alerts to improve customer interactions [15][16] - A new platform called "Customer DNA" is being developed to enhance data insights for bankers [16] - The bank has implemented a risk management framework for AI, particularly in response to the emergence of generative AI [17][18] Payment Services - Regions is positioning itself to leverage its full-service payments franchise, offering a range of services from traditional to instant payments [21][22] - The bank is one of the top 10 in the U.S. for ACH origination capabilities and has been an early adopter of real-time payment systems [22][23] - Regions does not currently see significant demand for stablecoins but recognizes the potential of tokenized deposits for enhancing payment capabilities [25][26] Open Banking Initiatives - Regions is focused on supporting customer data control while balancing the costs associated with open banking infrastructure [33][34] - The bank aims to create a fair model for data sharing that benefits both customers and the institution [34] Competitive Positioning - Regions believes it can compete effectively with larger banks by optimizing processes and investing in technology [44][45] - The bank has achieved significant cost savings, with a projected annual recurring run rate expense reduction of over $100 million [44] - Regions is confident in its treasury management capabilities, ranking among the top banks in the country for ACH and instant payment services [46][47] Future Outlook - Regions is committed to aligning technology investments with business strategies to enhance customer experiences and operational efficiency [40][41] - The bank is optimistic about its modernization efforts and the potential for future growth driven by technology and data insights [51][52] Additional Insights - The complexity of the U.S. regulatory environment poses challenges for core modernization compared to international banks [36] - Regions emphasizes the importance of a disciplined approach to technology adoption, ensuring alignment with business strategies to maximize value [39][40]