LQAI1.610%
as of Sep 3
RF
GrowthREGIONS FINANCIAL CORP
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.
Close · 3M
+8.14%
Held by 1 AI ETF
Signal performance
Each tracked ETF's moves on this stock, grouped by fund. Returns are measured from the signal date to the latest close — hypothetical, no commissions or slippage.
Buy signals4
Win rate50% (2/4)
Avg buy return+1.96%
LQAI · Weight increase · 2d
weight 1.500% → 1.610% (+0.110 pp)·stock down 6.3% in the 30 days before
Sep 2·entry $29.93·now $30.42Fresh
+1.64%
since Sep 2
LQAI · Weight increase · 2d
weight 1.510% → 1.550% (+0.040 pp)·stock down 5.5% in the 30 days before
Aug 24·entry $30.63·now $30.42Fresh
-0.69%
since Aug 24
LQAI · Weight decrease · 2d
weight 1.580% → 1.510% (-0.070 pp)·stock down 2.3% in the 30 days before
Aug 20·entry $30.22·now $30.42
+0.66%
since Aug 20
LQAI · Weight decrease · 2d
weight 1.600% → 1.560% (-0.040 pp)·stock up 3.5% in the 30 days before
Aug 13·entry $31.66·now $30.42
-3.92%
since Aug 13
LQAI · New entry · 1d
weight 0 → 1.590% (new)·stock up 3.7% in the 30 days before
Aug 6·entry $31.39·now $30.42Fresh
-3.09%
since Aug 6
Sell signals show what the stock did after the AI exited. A negative number means the AI's exit was well-timed.
Buffett-style framework
Fails the frameworkas of May 31
One AI ETF, QRFT, holds a small position in Regions Financial, while another, AIEQ, recently exited its position. My analysis, resulting in a 'Fail' verdict primarily due to financial health concerns, aligns more closely with AIEQ's decision to exit, suggesting a similar skepticism regarding the company's investment quality.
- Circle of CompetenceAs a regional bank, Regions Financial's core business operations and unit economics are generally predictable enough to project cash flows over a ten-year horizon, aligning with the framework's view of large banks.
- Economic MoatRegions Financial benefits from customer switching costs, established regional presence, and regulatory barriers to entry that provide a durable economic moat typical for banks.
- ManagementThe provided data does not offer sufficient information to assess management qualities like candor, capital allocation discipline, or skin in the game.
- Financial HealthThe current Return on Equity of 11.78% falls below the framework's 15% average target, indicating a potential shortfall in profitability compared to benchmark criteria for financial health.
- Margin of SafetyWithout sufficient financial detail to project owner earnings and future cash flows, a conservative estimate of intrinsic value and thus a margin of safety cannot be determined.
Regions Financial operates within a predictable circle of competence and possesses an economic moat consistent with regional banks. However, the company's current financial health, particularly its Return on Equity, falls short of the framework's profitability benchmarks. A lack of comprehensive financial data prevented a full assessment of management and the margin of safety, ultimately leading to a 'Fail' verdict based on the available information.
Educational interpretation generated by AI applying frameworks Warren Buffett documented in his shareholder letters and other public writings. Not a statement by Mr. Buffett or Berkshire Hathaway, and not investment advice.