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 …
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Competitive advantage assessment
Key strengths
Strong Capital PositionCapital position is strong (score 0.61), exceeding regulatory minimums.
Regions Financial Corporation ranks #125 of 393
scored companies in Banks - Regional by moat score — the top 32%.
The widest moat in the group is 1st Source Corporation (SRCE)
at 86/100.
Moat scores for companies ranked near RF in Banks - Regional
A deposit franchise is the cheapest and most valuable thing a bank can own.
Lending Advantage
Score 52
· 18% of the moat score
Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.
Capital Strength
Score 64
· 20% of the moat score
Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.
Cost Discipline
Score 52
· 16% of the moat score
Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.
Revenue Diversification
Score 58
· 14% of the moat score
A bank earning everything from net interest income is a leveraged bet on the rate cycle.
Risk Management
Score 65
· 10% of the moat score
Risk management is the defense that only reveals itself late.
What is Regions Financial Corporation's moat score?
Regions Financial Corporation (RF) scores 61 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #125 of 393 scored companies in Banks - Regional, the top 32%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Deposit Franchise (71/100) and its weakest is Lending Advantage (52/100).
How does Regions Financial Corporation compare with other Banks - Regional companies?
Regions Financial Corporation ranks #125 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Oak Valley Bancorp (CA) (OVLY) at 61 just above it and WaFd, Inc. (WAFD) at 61 just below it.
How is the moat score calculated?
Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.
Why is Regions Financial Corporation scored with the Bank Specialized template?
A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.
Which competitive defenses are measured for Regions Financial Corporation?
The Bank Specialized template measures 6 defenses, and RF scores: Deposit Franchise (71), Lending Advantage (52), Capital Strength (64), Cost Discipline (52), Revenue Diversification (58), Risk Management (65). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.
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