RF · REGIONS FINANCIAL CORP

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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

-1.65%

Held by 0 AI ETFs

None of the tracked AI ETFs currently hold this name.

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 signals5

Win rate20% (1/5)

Avg buy return-6.53%

LQAIno longer held15 signals

LQAI · Exit · 1d

weight 1.450% → 0 (exited)·stock down 11.3% in the 30 days before

Sep 29·entry $26.89·now $27.37

+1.79%

since Sep 29

LQAI · Weight increase · 2d

weight 1.420% → 1.450% (+0.030 pp)·stock down 10.3% in the 30 days before

Sep 28·entry $27.26·now $27.37Fresh

+0.40%

since Sep 28

LQAI · Weight decrease · 7d

weight 1.610% → 1.420% (-0.190 pp)·stock down 11.0% in the 30 days before

Sep 24·entry $27.26·now $27.37

+0.40%

since Sep 24

LQAI · Weight decrease · 7d

weight 1.620% → 1.430% (-0.190 pp)·stock down 10.6% in the 30 days before

Sep 23·entry $27.39·now $27.37

-0.07%

since Sep 23

LQAI · Weight decrease · 6d

weight 1.620% → 1.440% (-0.180 pp)·stock down 8.2% in the 30 days before

Sep 22·entry $27.91·now $27.37

-1.93%

since Sep 22

LQAI · Weight decrease · 5d

weight 1.620% → 1.480% (-0.140 pp)·stock down 5.5% in the 30 days before

Sep 21·entry $28.55·now $27.37

-4.13%

since Sep 21

LQAI · Weight decrease · 4d

weight 1.620% → 1.510% (-0.110 pp)·stock down 6.8% in the 30 days before

Sep 18·entry $28.50·now $27.37

-3.96%

since Sep 18

LQAI · Weight decrease · 3d

weight 1.620% → 1.520% (-0.100 pp)·stock down 10.2% in the 30 days before

Sep 17·entry $28.48·now $27.37

-3.90%

since Sep 17

LQAI · Weight decrease · 2d

weight 1.620% → 1.550% (-0.070 pp)·stock down 10.2% in the 30 days before

Sep 16·entry $28.47·now $27.37

-3.86%

since Sep 16

LQAI · Weight decrease · 2d

weight 1.610% → 1.580% (-0.030 pp)·stock down 4.3% in the 30 days before

Sep 8·entry $30.07·now $27.37

-8.98%

since Sep 8

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 $27.37Fresh

-8.55%

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 $27.37Fresh

-10.64%

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 $27.37

-9.43%

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 $27.37

-13.55%

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 $27.37Fresh

-12.81%

since Aug 6

AIEQno longer held2 signals

AIEQ · Exit · 1d

weight 0.050% → 0 (exited)·stock down 0.0% in the 30 days before

May 30·entry $27.34·now $27.37

+0.11%

since May 30

AIEQ · New entry · 1d

weight 0 → 0.050% (new)·stock up 7.0% in the 30 days before

May 3·entry $27.66·now $27.37Fresh

-1.05%

since May 3

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 Sep 27

The AI ETFs, specifically LQAI, are showing a consistent trend of decreasing their weight in Regions Financial Corp over several days. This activity suggests a cautious or bearish sentiment from the AI's perspective, possibly indicating a belief that the company's prospects are deteriorating or that its valuation is less attractive. This aligns with the 'Fail' verdict derived from the Buffett-style framework, particularly given the concern over the company's financial health as indicated by its ROE.

Circle of CompetenceRegional banking unit economics, though cyclical, are generally stable enough for an investor to reasonably project cash flows over a ten-year horizon.
Economic MoatRegions Financial benefits from customer switching costs, a strong regional brand, and scale advantages within its established geographic footprint.
ManagementWithout access to detailed shareholder communications or capital allocation history, management's candor and discipline cannot be assessed.
Financial HealthThe reported ROE of 11.79% for the most recent period falls below the framework's strict ten-year average ROE criterion of 15%, indicating a failure in financial health based on available data.
Margin of SafetyAn accurate assessment of margin of safety is not possible without a detailed intrinsic value calculation, which is beyond the scope of the provided data.

Regions Financial passes the initial hurdles of being within a predictable circle of competence and possessing an identifiable economic moat. However, a crucial aspect of financial health is not met, as the reported ROE falls short of the framework's stringent criteria. Without further insight into management's capital allocation and a detailed intrinsic value analysis, the company does not qualify as a 'Pass' under this framework, resulting in a 'Fail' verdict.

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.