Regions Financial Corp

RF: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
	$74.00	Ypb	Yxydwkc

Deposit Base Shines Bright for Regions in Rising-Rate Environment; Shares Still Fairly Valued

Eric Compton

Jan 20, 2023

No-moat-rated Regions Financial reported fourth-quarter EPS of $0.70, which beat the FactSet consensus of $0.65 and was roughly in line with our estimate of $0.68. Revenue of $2 billion was just ahead of our expectation of $1.93 billion, while expenses of $1 billion were also just ahead of our estimate. Results were generally solid for the bank, with decent sequential loan growth of 2%, net interest income growth that exceeded our expectations, and relatively steady credit metrics.

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