Regions Finl (NYSE:RF) 주식

Regions Finl

Regions Financial is a regional bank based in Alabama, with branches primarily in the Southeastern and Midwestern United States. Regions primarily provides traditional commercial and retail banking and also offers mortgage services, asset management, wealth management, securities brokerage, and trust services.

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트루이스트 증권의 애널리스트들은 24개의 대형은행, 지역은행, 신탁은행과 신용카드 회사에 대한 커버리지를 개시했다. 이들은 향후 2년간 강력한 수익 성장을 예상하며 대출 성장률 개선, 가파른 수익률 곡선, 충분한 자본 확충 등의 요인에 힘입어 연간 12~15%의 수익 증가를 예상하고 있다.

트루이스트: 2025년 수익률 곡선 정상화, 저렴한 가치평가, EPS 성장 속 은행주 상승할 것

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지역 은행 부문은 지난 2년 동안 잘못된 이유로 많은 헤드라인을 장식했다. 실리콘밸리 은행, 시그니처 은행 및 퍼스트 리퍼블릭 은행과 같은 은행 파산 사건은 이 부문에 큰 충격을 주었고, 2023년 말 SPDR 지역은행 ETF(NYSE:KRE)는 40% 이상 하락했다.

트럼프가 증권거래위원회 새 리더십을 지명하기 전에 사야 할 6개 지역 은행주

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월스트리트의 주요 애널리스트들이 이들 주요 기업들에 대한 전망을 변경했다. 애널리스트의 모든 등급 변경 사항을 완전하게 보려면, 애널리스트 등급 페이지를 참조하세요.

테슬라 분석가가 긍정적으로 전환; 목요일 업그레이드 상위 5종목

Regions Financial Corporation Common Stock

Regions Financial Corp

RF ACQUISITION CORP CL A

RF ACQUISITION CORP T

RF ACQUISITION CORP UNIT 1 CL A & 1 WT EXP & 1 RT 1/10 CL A COM

RF ACQUISITION CORP WT EXP

RF Acquisition Corp II

RF Acquisition Corp II - Right

ROMANA FOOD BRANDS by Romana Food Brands Corp.

Romana Food Blockchain Corp

RiverFront Dynamic Core Income ETF

REFOCUS GROUP INC by Refocus Group, Inc.

RiverFront Dynamic US Dividend Advantage ETF

First Trust RiverFront Dynamic Developed International ETF

First Trust RiverFront Dynamic Emerging Markets ETF

First Trust RiverFront Dynamic Europe ETF

ALPS Active Equity Opportunity ETF

Invesco S&P Midcap 400 Pure Growth ETF

RETAIL FOOD GROUP LTD NEW by Retail Food Group Ltd

Retail Food Group Ltd

RETAIL FOOD GROUP LTD by Retail Food Group Ltd

RENFORTH RESOURCES INC by Renforth Resources Inc.

Renforth Resources Inc

Cohen & Steers Total Return Realty Fund, Inc. Common Stock

Cohen & Steers Total Return Realty Fund Inc

RAIN FOREST INTL INC by Rain Forest International, Inc.

Rain Forest International Inc

RF Industries Ltd

Simplify Bond Bull ETF

Rafael Holdings, Inc. Class B Common Stock

Rafael Holdings Inc

Rafael Holdings, Inc. Warrants to Purchase Shares of Class B Common Stock

RAFFLES EDUCATION CRP ORD by Raffles Education Limited

Raffles Education Ltd

RAFFLES ED LTD UNSP/ADR by Raffles Education Limited

Innovator U.S. Small Cap Managed Floor ETF

REFLEX ADVANCED MATLS CP by Reflex Advanced Materials Corp.

Reflex Advanced Materials Corp

RiverNorth Flexible Municipal Income Fund, Inc. Common Stock

RiverNorth Flexible Municipal Income Fund Inc

Refined Metals Corp

RFM Corp

RiverNorth Flexible Municipal Income Fund II, Inc. Common Stock

RiverNorth Flex Muni Income Fund II Inc

RURAL FUNDS GROUP ORD by Rural Funds Group Stapled Securities

Rural Funds Group

RELIANT FINCL SVC CORP by Reliant Financial Service Corp.

Reliant Financial Service Corp

RFOX

Refereum

RioDeFi

Invesco S&P Midcap 400 Pure Value ETF

RUNNING FOX RES CORP by Running Fox Resource Corp.

Running Fox Resource Corp

Regions Financial Corporation Depositary Shares, each Representing a 1/40th Interest in a Share of 5.700% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C

Regions Financial Corporation Depositary Shares, Each Representing a 1/40th Interest in a Share of 4.45% Non-Cumulative Perpetual Preferred Stock, Series E

Regions Financial Corporation Depositary Shares Each Representing a 1/40th Interest in a Share of Non-Cumulative Perpetual Preferred Stock, Series F

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ZION

Shares of banking companies are trading lower as markets react to President Trump's announcement of sweeping tariffs.

JP Morgan analyst Vivek Juneja maintains Regions Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>) with a Neutral and lowers the price target from $26 to $23.

JP Morgan Maintains Neutral on Regions Finl, Lowers Price Target to $23

Wells Fargo analyst Whit Mayo maintains Regions Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>) with a Equal-Weight and lowers the price target from $28 to $26.

Wells Fargo Maintains Equal-Weight on Regions Finl, Lowers Price Target to $26

Citigroup analyst Keith Horowitz maintains Regions Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>) with a Buy and lowers the price target from $28 to $25.

Citigroup Maintains Buy on Regions Finl, Lowers Price Target to $25

4 analysts have expressed a variety of opinions on Regions Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>) over the past quarter, offering a diverse set of opinions from bullish to bearish.
Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have recently evaluated Regions Finl and provided 12-month price targets. The average target is $26.0, accompanied by a high estimate of $28.00 and a low estimate of $24.00. A 1.89% drop is evident in the current average compared to the previous average price target of $26.50. 
<img src="https://www.benzinga.com/files/images/story/2025/1742587233_0.png" alt="price target chart" />
<h2>Deciphering Analyst Ratings: An In-Depth Analysis</h2>
A clear picture of Regions Finl's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$24.00</td>
<td>$26.00</td>
</tr>
<tr>
<td>Keith Horowitz</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Buy</td>
<td>$28.00</td>
<td>$30.00</td>
</tr>
<tr>
<td>Brandon King</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$26.00</td>
<td>$25.00</td>
</tr>
<tr>
<td>Jason Goldberg</td>
<td>Barclays</td>
<td>Raises</td>
<td>Underweight</td>
<td>$26.00</td>
<td>$25.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Regions Finl. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Regions Finl compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Regions Finl's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into Regions Finl's market standing. Stay informed and make well-considered decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/RF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Regions Finl analyst ratings.</a>
<h2>All You Need to Know About Regions Finl</h2>
Regions Financial is a regional bank based in Alabama, with branches primarily in the Southeastern and Midwestern United States. Regions primarily provides traditional commercial and retail banking and also offers mortgage services, asset management, wealth management, securities brokerage, and trust services.
<h3>Regions Finl: Delving into Financials</h3>
Market Capitalization Highlights: Above the industry average, the company's market capitalization signifies a significant scale, indicating strong confidence and market prominence.
Revenue Growth: Regions Finl's revenue growth over a period of 3 months has been noteworthy. As of 31 December, 2024, the company achieved a revenue growth rate of approximately 0.22%. This indicates a substantial increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: Regions Finl's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of 27.99%, the company may face hurdles in effective cost management.
Return on Equity (ROE): The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of 3.07%, the company showcases effective utilization of equity capital.
Return on Assets (ROA): Regions Finl's ROA excels beyond industry benchmarks, reaching 0.32%. This signifies efficient management of assets and strong financial health.
Debt Management: Regions Finl's debt-to-equity ratio is below industry norms, indicating a sound financial structure with a ratio of 0.4.
<h2>What Are Analyst Ratings?</h2>
Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Where Regions Finl Stands With Analysts

Truist Securities analyst Brian Foran maintains Regions Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>) with a Hold and lowers the price target from $26 to $24.

Truist Securities Maintains Hold on Regions Finl, Lowers Price Target to $24

Citigroup analyst Keith Horowitz maintains Regions Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>) with a Buy and lowers the price target from $30 to $28.

Citigroup Maintains Buy on Regions Finl, Lowers Price Target to $28

HOOD

SOFI

Shares of companies in the broader financial services sector are trading lower amid overall market uncertainty after president Trump confirmed Mar 4 tariffs.

This whale alert can help traders discover the next big trading opportunities.
Whales are entities with large sums of money and we track their transactions here at Benzinga on our options activity scanner.
Traders will search for circumstances when the market estimation of an option diverges heavily from its normal worth. High amounts of trading activity could push option prices to exaggerated or underestimated levels. 
Below are some instances of options activity happening in the Financials sector: 
<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th>Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>SOFI</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>03/21/25</td>
<td>$16.00</td>
<td>$26.9K</td>
<td>36.6K</td>
<td>4.8K</td>
</tr>
<tr>
<td>SCHW</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>02/21/25</td>
<td>$83.00</td>
<td>$145.0K</td>
<td>201</td>
<td>1.0K</td>
</tr>
<tr>
<td>STNE</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>04/17/25</td>
<td>$8.00</td>
<td>$69.5K</td>
<td>5.1K</td>
<td>515</td>
</tr>
<tr>
<td>HOOD</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>06/20/25</td>
<td>$55.00</td>
<td>$49.1K</td>
<td>6.1K</td>
<td>407</td>
</tr>
<tr>
<td>GCMG</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>10/17/25</td>
<td>$12.50</td>
<td>$61.8K</td>
<td>600</td>
<td>400</td>
</tr>
<tr>
<td>COIN</td>
<td>PUT</td>
<td>TRADE</td>
<td>NEUTRAL</td>
<td>01/31/25</td>
<td>$302.50</td>
<td>$29.5K</td>
<td>460</td>
<td>288</td>
</tr>
<tr>
<td>RF</td>
<td>PUT</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>01/16/26</td>
<td>$22.00</td>
<td>$33.6K</td>
<td>1.5K</td>
<td>211</td>
</tr>
<tr>
<td>V</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>02/07/25</td>
<td>$335.00</td>
<td>$31.5K</td>
<td>247</td>
<td>208</td>
</tr>
<tr>
<td>XYZ</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>01/16/26</td>
<td>$95.00</td>
<td>$28.2K</td>
<td>1.8K</td>
<td>70</td>
</tr>
<tr>
<td>AXP</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>01/16/26</td>
<td>$300.00</td>
<td>$83.8K</td>
<td>254</td>
<td>50</td>
</tr>
</tbody>
</table>

<h2>Explanation</h2>
These bullet-by-bullet explanations have been constructed using the accompanying table. 
• Regarding SOFI (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>), we observe a call option trade with bullish sentiment. It expires in 53 day(s) on March 21, 2025. Parties traded 174 contract(s) at a $16.00 strike. The total cost received by the writing party (or parties) was $26.9K, with a price of $155.0 per contract. There were 36619 open contracts at this strike prior to today, and today 4850 contract(s) were bought and sold. 
• For SCHW (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHW#NYSE">SCHW</a>), we notice a call option sweep that happens to be bullish, expiring in 25 day(s) on February 21, 2025. This event was a transfer of 890 contract(s) at a $83.00 strike. This particular call needed to be split into 47 different trades to become filled. The total cost received by the writing party (or parties) was $145.0K, with a price of $162.0 per contract. There were 201 open contracts at this strike prior to today, and today 1004 contract(s) were bought and sold. 
• Regarding STNE (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/STNE#NASDAQ">STNE</a>), we observe a call option trade with bearish sentiment. It expires in 80 day(s) on April 17, 2025. Parties traded 500 contract(s) at a $8.00 strike. The total cost received by the writing party (or parties) was $69.5K, with a price of $139.0 per contract. There were 5166 open contracts at this strike prior to today, and today 515 contract(s) were bought and sold. 
• For HOOD (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HOOD#NASDAQ">HOOD</a>), we notice a call option trade that happens to be bullish, expiring in 144 day(s) on June 20, 2025. This event was a transfer of 84 contract(s) at a $55.00 strike. The total cost received by the writing party (or parties) was $49.1K, with a price of $585.0 per contract. There were 6115 open contracts at this strike prior to today, and today 407 contract(s) were bought and sold. 
• For GCMG (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GCMG#NASDAQ">GCMG</a>), we notice a call option trade that happens to be bullish, expiring in 263 day(s) on October 17, 2025. This event was a transfer of 399 contract(s) at a $12.50 strike. The total cost received by the writing party (or parties) was $61.8K, with a price of $155.0 per contract. There were 600 open contracts at this strike prior to today, and today 400 contract(s) were bought and sold. 
• For COIN (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COIN#NASDAQ">COIN</a>), we notice a put option trade that happens to be neutral, expiring in 4 day(s) on January 31, 2025. This event was a transfer of 10 contract(s) at a $302.50 strike. The total cost received by the writing party (or parties) was $29.5K, with a price of $2952.0 per contract. There were 460 open contracts at this strike prior to today, and today 288 contract(s) were bought and sold. 
• For RF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>), we notice a put option trade that happens to be bullish, expiring in 354 day(s) on January 16, 2026. This event was a transfer of 210 contract(s) at a $22.00 strike. The total cost received by the writing party (or parties) was $33.6K, with a price of $160.0 per contract. There were 1522 open contracts at this strike prior to today, and today 211 contract(s) were bought and sold. 
• For V (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>), we notice a call option trade that happens to be bullish, expiring in 11 day(s) on February 7, 2025. This event was a transfer of 50 contract(s) at a $335.00 strike. The total cost received by the writing party (or parties) was $31.5K, with a price of $630.0 per contract. There were 247 open contracts at this strike prior to today, and today 208 contract(s) were bought and sold. 
• Regarding XYZ (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XYZ#NYSE">XYZ</a>), we observe a call option sweep with bearish sentiment. It expires in 354 day(s) on January 16, 2026. Parties traded 21 contract(s) at a $95.00 strike. This particular call needed to be split into 4 different trades to become filled. The total cost received by the writing party (or parties) was $28.2K, with a price of $1345.0 per contract. There were 1841 open contracts at this strike prior to today, and today 70 contract(s) were bought and sold. 
• Regarding AXP (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXP#NYSE">AXP</a>), we observe a put option sweep with bullish sentiment. It expires in 354 day(s) on January 16, 2026. Parties traded 41 contract(s) at a $300.00 strike. This particular put needed to be split into 7 different trades to become filled. The total cost received by the writing party (or parties) was $83.8K, with a price of $2045.0 per contract. There were 254 open contracts at this strike prior to today, and today 50 contract(s) were bought and sold. 
Options Alert Terminology 
 - Call Contracts: The right to buy shares as indicated in the contract. 
 - Put Contracts: The right to sell shares as indicated in the contract. 
 - Expiration Date: When the contract expires. One must act on the contract by this date if one wants to use it. 
 - Premium/Option Price: The price of the contract. 
For more information, visit our <a href="https://pro.benzinga.com/blog/how-to-understand-option-alerts/">Guide to Understanding Options Alerts</a> or read <a href="https://www.benzinga.com/markets/options">more news on unusual options activity</a>. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Options

COIN

GCMG

STNE

10 Financials Stocks Whale Activity In Today's Session

U.S. stocks settled lower, as the S&amp;P 500 recorded losses after hitting fresh records on Friday.
All three major indices recorded their second consecutive positive week, with the S&amp;P 500 and Nasdaq each gaining around 1.7% last week, while the Dow gained 2.2%.
Wall Street analysts make new stock picks on a daily basis. Unfortunately for investors, not all analysts have particularly impressive track records at predicting market movements. Even when it comes to one single stock, analyst ratings and price targets can vary widely, leaving investors confused about which analyst&#8217;s opinion to trust.
Benzinga&#8217;s Analyst Ratings API is a collection of the highest-quality stock ratings curated by the Benzinga news desk via direct partnerships with major sell-side banks. Benzinga displays overnight ratings changes on a daily basis three hours prior to the U.S. equity market opening. Data specialists at investment dashboard provider Toggle.ai recently uncovered that the analyst insights Benzinga Pro subscribers and Benzinga readers regularly receive can successfully be used as trading indicators to outperform the stock market.
Top Analyst Picks: Fortunately, any Benzinga reader can access the latest analyst ratings on the <a href="https://www.benzinga.com/analyst-ratings/analyst-color/22/09/28888638/exclusive-study-finds-benzinga-analyst-ratings-data-yields-market-beating-strategie">Analyst Stock Ratings</a> page. One of the ways traders can sort through Benzinga&#8217;s extensive database of analyst ratings is by analyst accuracy. Here&#8217;s a look at the most recent stock picks from each of the five most accurate Wall Street analysts, according to Benzinga <a href="https://www.benzinga.com/analyst-stock-ratings">Analyst Stock</a> Ratings.
Analyst: John Todaro
<ul>
<li>Analyst Firm: Needham</li>
<li>Ratings Accuracy: 90%</li>
<li>Latest Rating: Maintained a Buy rating on Riot Platforms, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RIOT#NASDAQ">RIOT</a>) and raised the price target from $11 to $16 on Jan. 22. This analyst sees around 18% upside in the stock.</li>
<li>Recent News: The company announced it would pause its Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) mining expansion at Corsicana and instead conduct a feasibility study on converting its remaining capacity to AI and high-performance computing (HPC) use.</li>
</ul>
Analyst: Brandon King
<ul>
<li>Analyst Firm: Truist Securities</li>
<li>Ratings Accuracy: 87%</li>
<li>Latest Rating: Maintained a Hold rating on Regions Financial Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>) and increased the price target from $25 to $26 on Jan. 21. This analyst sees a 7% gain in the stock.</li>
<li>Recent News: On Jan. 17, the company reported downbeat quarterly revenue.</li>
</ul>
Analyst: Rohit Kulkarni 
<ul>
<li>Analyst Firm: Roth MKM</li>
<li>Ratings Accuracy: 86%</li>
<li>Latest Rating: Downgraded rating on Reddit, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RDDT#NYSE">RDDT</a>) from Buy to Neutral and increased price target from $116 to $195 on Jan. 22. This analyst sees around 7% upside in the stock.</li>
<li>Recent News: Reddit will announce fourth quarter and full year 2024 results on Wednesday, Feb. 12.</li>
</ul>
Analyst: Zachary Fadem
<ul>
<li>Analyst Firm: Wells Fargo</li>
<li>Ratings Accuracy: 86%</li>
<li>Latest Rating: Maintained an Equal-Weight rating on Brinker International, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EAT#NYSE">EAT</a>) and raised the price target from $130 to $145 on Jan. 23. This analyst sees around 3% decline in the stock.</li>
<li>Recent News: &#8211; Brinker International will release second quarter fiscal 2025 earnings, before the market opens on Jan. 29.</li>
<li>Analyst: Doug Anmuth</li>
</ul>
Analyst Firm: JP Morgan
<ul>
<li>Ratings Accuracy: 86%</li>
<li>Latest Rating: Maintained an Overweight rating on Netflix, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NFLX#NASDAQ">NFLX</a>) and boosted the price target from $1,000 to $1,150 on Jan. 22. This analyst sees around 18% upside in the stock.</li>
<li>Recent News: On Jan. 21, Netflix reported stronger-than-expected fourth-quarter financial results.</li>
</ul>
Read More: 
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<li><a href="https://www.benzinga.com/markets/25/01/43189390/top-3-materials-stocks-that-may-fall-off-a-cliff-in-january">Top 3 Materials Stocks That May Fall Off A Cliff In January</a></li>
</ul>

Pre-Market Outlook

$BTC

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This Analyst With 86% Accuracy Rate Sees Around 18% Upside In Netflix - Here Are 5 Stock Picks For Last Week From Wall Street's Most Accurate Analysts

Truist Securities analyst Brandon King maintains Regions Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>) with a Hold and raises the price target from $25 to $26.

Truist Securities Maintains Hold on Regions Finl, Raises Price Target to $26

Risk appetite surged on Wall Street at the end of the week, with investors ramping up stock purchases ahead of Monday's market closure for Martin Luther King Day, which is also when Donald Trump will be sworn in as <a href="https://www.benzinga.com/topic/donald-trump">the 47th U.S. president.</a>
All major indices posted robust gains in midday trading, setting up for their strongest weekly performance since early November. Broad-based buying lifted every sector into the green, underscoring the strength of the rally.
Adding to the positive mood, the Israeli Security Cabinet approved a ceasefire deal with Hamas <a href="https://www.benzinga.com/news/global/25/01/43055426/oil-dips-as-israeli-security-cabinet-approves-gaza-ceasefire-yet-experts-warn-red-sea-risks-persist">in Gaza</a>, leaving final government approval as the last step before the agreement takes effect on Sunday.
Chipmaker Intel Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/INTC#NASDAQ">INTC</a>) soared 8.9%, marking its biggest single-day jump since August 2024. The rally was fueled by rumors that the company could be a takeover target. 
Treasury yields edged higher but remained on track for steep weekly declines, following a softer-than-expected December inflation report that eased concerns over aggressive Federal Reserve policy.
The U.S. dollar rose 0.3% on Friday but is still slightly lower for the week, potentially snapping a six-week winning streak.
Gold prices steadied after Thursday's strong rally, while oil prices extended their decline as ceasefire efforts gained traction.
Cryptocurrency sentiment surged, driven by speculation that the incoming Trump administration could announce the creation of <a href="https://www.benzinga.com/markets/cryptocurrency/25/01/43062518/2025-to-see-dogecoin-etf-strategic-bitcoin-reserve-microstrategy-of-ethereum-predicts-crypto-hedge-fund">a Bitcoin Reserve Fund.</a> Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) was up 5% to over $105,000. 
<h1 class="wp-block-heading">Friday&#8217;s Performance In Major U.S. Indices, ETFs</h1>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Major Indices</td>
<td>Price</td>
<td>1-day % chg</td>
</tr>
<tr>
<td>Nasdaq 100</td>
<td>21,483.46</td>
<td>1.9%</td>
</tr>
<tr>
<td>S&amp;P 500</td>
<td>6,013.18</td>
<td>1.3%</td>
</tr>
<tr>
<td>Dow Jones</td>
<td>43,641.72</td>
<td>1.1%</td>
</tr>
<tr>
<td>Russell 2000</td>
<td>2,279.34</td>
<td>0.6%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Updated at 12:45 p.m. ET</figcaption></figure>
According to&nbsp;<a href="https://bzresearch.myclickfunnels.com/benzinga-pro-content-webinar-registration/?utm_source=BZprocontent011525&amp;t=be2bearmibe3na1" target="_blank" rel="noreferrer noopener">Benzinga Pro</a>&nbsp;data:
<ul>
<li>The&nbsp;SPDR S&amp;P 500 ETF Trust&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>) rose 1.2% to $598.98.</li>
<li>The&nbsp;SPDR Dow Jones Industrial Average&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DIA#NYSE">DIA</a>)&nbsp;rose 1.1% to $436.12.</li>
<li>The tech-heavy&nbsp;Invesco QQQ Trust Series&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQ#NASDAQ">QQQ</a>) rallied 1.8% to $522.24.</li>
<li>The&nbsp;iShares Russell 2000 ETF&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IWM#NYSE">IWM</a>) rose 0.7% to $226.01.</li>
<li>The&nbsp;Technology Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLK#NYSE">XLK</a>) outperformed, up 1.8%; the&nbsp;Health Care Select Sector SPDR Fund&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLV#NYSE">XLV</a>) lagged, down 0.1%.</li>
</ul>
<h3 class="wp-block-heading">Friday&#8217;s Stock Movers</h3>
<ul>
<li>Truist Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TFC#NYSE">TFC</a>) rallied nearly 5% in reaction to stronger-than-expected quarterly results. </li>
<li>Other stocks reacting to earnings included Schlumberger N.V. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SLB#NYSE">SLB</a>), up 7.9%; Fastenal Co. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FAST#NASDAQ">FAST</a>), up 0.64%; State Street Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/STT#NYSE">STT</a>), down 3%; Huntington Bancshares Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBAN#NASDAQ">HBAN</a>), up 0.39%; Regions Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>), down 0.86% and Citizens Financial Group Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>), up 1.8%.</li>
</ul>
Read Now: 
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<li><a href="https://www.benzinga.com/25/01/43062563/imf-lifts-us-growth-outlook-betting-markets-raise-odds-on-trump-led-economic-boom">IMF Lifts US Growth Outlook, Betting Markets Raise Odds On Trump-Led Economic Boom</a></li>
</ul>
Photo: Shutterstock

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Cryptocurrency

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Large Cap

Macro Economic Events

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Wall Street Roars Ahead Of Trump's Inauguration, Intel Rallies, Bitcoin Tops $105,000: What's Driving Markets Friday?

<h3>Gainers</h3>
<ul>
<li>XChange Tec (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/XHG#NASDAQ">XHG</a>) shares moved upwards by 23.9% to $1.14 during Friday's pre-market session. The company's market cap stands at $128.3 million. </li>
<li>William Penn (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WMPN#NASDAQ">WMPN</a>) stock rose 23.45% to $15.0. The market value of their outstanding shares is at $138.1 million. As per the news, the Q2 earnings report came out 2 days ago. </li>
<li>AtlasClear Holdings (AMEX:<a class="ticker" href="https://www.benzinga.com/stock/ATCH#AMEX">ATCH</a>) shares moved upwards by 13.83% to $7.57. The company's market cap stands at $2.9 million. </li>
<li>RBB Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RBB#NASDAQ">RBB</a>) shares rose 8.17% to $21.7. The company's market cap stands at $383.9 million. </li>
<li>Top KingWin (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WAI#NASDAQ">WAI</a>) shares rose 7.91% to $0.36. The company's market cap stands at $64.3 million. </li>
<li>Palmer Square Capital BDC (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PSBD#NYSE">PSBD</a>) stock moved upwards by 7.87% to $16.99. The company's market cap stands at $554.6 million. </li>
</ul>
<h3>Losers</h3>
<ul>
<li>Powell Max (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PMAX#NASDAQ">PMAX</a>) stock decreased by 8.4% to $0.76 during Friday's pre-market session. The company's market cap stands at $11.1 million. </li>
<li>Regions Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>) stock decreased by 5.8% to $23.1. The company's market cap stands at $20.9 billion. As per the news, the Q4 earnings report came out today. </li>
<li>AppTech Payments (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/APCX#NASDAQ">APCX</a>) shares fell 5.09% to $0.47. The company's market cap stands at $12.8 million. </li>
<li>Bogota Finl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BSBK#NASDAQ">BSBK</a>) shares declined by 5.04% to $7.54. The company's market cap stands at $98.5 million. </li>
<li>Katapult Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/KPLT#NASDAQ">KPLT</a>) stock decreased by 4.93% to $9.66. The market value of their outstanding shares is at $42.4 million. </li>
<li>Magic Empire Glb (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MEGL#NASDAQ">MEGL</a>) shares declined by 4.79% to $0.57. The company's market cap stands at $11.5 million. 
See Also: <a href="http://www.benzinga.com/money/best-financial-services-stocks/" title="www.benzinga.com/money/best-financial-services-stocks/">www.benzinga.com/money/best-financial-services-stocks/</a></li>
</ul>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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12 Financials Stocks Moving In Friday's Pre-Market Session

Regions Financial shares are trading lower following a Q4 revenue miss.

Regions Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>) reported quarterly earnings of $0.59 per share which beat the analyst consensus estimate of $0.55 by 7.27 percent. This is a 13.46 percent increase over earnings of $0.52 per share from the same period last year. The company reported quarterly sales of $1.845 billion which missed the analyst consensus estimate of $1.855 billion by 0.57 percent. This is a 1.82 percent increase over sales of $1.812 billion the same period last year.

Earnings

Earnings Beats

Earnings Misses

Regions Finl Q4 2024 Adj. EPS $0.59 Beats $0.55 Estimate, Sales $1.845B Miss $1.855B Estimate

<h3>Companies Reporting Before The Bell</h3>
• Schlumberger (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SLB#NYSE">SLB</a>) is likely to report quarterly earnings at $0.90 per share on revenue of $9.18 billion. 
• Regions Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>) is likely to report quarterly earnings at $0.55 per share on revenue of $1.86 billion. 
• Sify Technologies (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SIFY#NASDAQ">SIFY</a>) is expected to report quarterly earnings at $0.00 per share on revenue of $152.30 million. 
• Wipro (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WIT#NYSE">WIT</a>) is likely to report quarterly earnings at $0.04 per share on revenue of $2.67 billion. 
• Webster Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WBS#NYSE">WBS</a>) is expected to report quarterly earnings at $1.36 per share on revenue of $611.93 million. 
• Huntington Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBAN#NASDAQ">HBAN</a>) is likely to report quarterly earnings at $0.31 per share on revenue of $1.88 billion. 
• State Street (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/STT#NYSE">STT</a>) is estimated to report quarterly earnings at $2.29 per share on revenue of $3.26 billion. 
• Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) is estimated to report quarterly earnings at $0.83 per share on revenue of $1.96 billion. 
• Truist Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TFC#NYSE">TFC</a>) is expected to report quarterly earnings at $0.88 per share on revenue of $5.05 billion. 
• Fastenal (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FAST#NASDAQ">FAST</a>) is projected to report quarterly earnings at $0.48 per share on revenue of $1.84 billion. 
<h3>Companies Reporting After The Bell</h3>
• BOK Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BOKF#NASDAQ">BOKF</a>) is projected to report quarterly earnings at $2.00 per share on revenue of $517.46 million. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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Shares of banking and financial services stocks are trading higher following strong bank earnings.

Regional banks still have room to run and thrive even as it is &#8220;easy to overstate the advantage&#8221; for big banks, says Truist Securities in its latest note, highlighting three key paths for regional banks to succeed.
What Happened: Big banks have clear economies of scale, and they have been re-rated relative to small banks with the top five U.S. banks holding about 47% market share for a decade. According to the Truist Securities note, dated Jan. 6, the big banks are in a better position, but at the same time, individual regionals can position themselves to thrive.
Truist initiated coverage on 14 regional financial companies outlining three key strategies relating to pace, magnitude, and quality for the regional banks to remain competitive.
<ul>
<li>Differentiated Growth: Focus on unique and sustainable growth opportunities via differentiated customer base, a different form of fee Income and a niche business with competitive moat. </li>
</ul>
<ul>
<li>Disciplined Capital Allocation: Efficiently deploy capital to support growth and enhance shareholder value.</li>
</ul>
<ul>
<li>Navigating the Evolving Landscape: Adapt to changing market conditions, including interest rates, yield curve shifts, loan and deposit growth, and commercial real estate market dynamics.&#8221;</li>
</ul>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Regional Banks</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Fifth Third Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FITB#NASDAQ">FITB</a>)</td>
<td>Buy</td>
<td>$51</td>
</tr>
<tr>
<td>Huntington Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBAN#NASDAQ">HBAN</a>)</td>
<td>Buy</td>
<td>$19</td>
</tr>
<tr>
<td>M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>)</td>
<td>Buy</td>
<td>$233</td>
</tr>
<tr>
<td>Wintrust Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WTFC#NASDAQ">WTFC</a>)</td>
<td>Buy</td>
<td>$151</td>
</tr>
<tr>
<td>Citizens Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>)</td>
<td>Hold</td>
<td>$49</td>
</tr>
<tr>
<td>Comerica Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMA#NYSE">CMA</a>)</td>
<td>Hold</td>
<td>$65</td>
</tr>
<tr>
<td>First Citizens BancShares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FCNCA#NASDAQ">FCNCA</a>)</td>
<td>Hold</td>
<td>$2,303</td>
</tr>
<tr>
<td>KeyCorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KEY#NYSE">KEY</a>)</td>
<td>Hold</td>
<td>$19</td>
</tr>
<tr>
<td>Regions Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>)</td>
<td>Hold</td>
<td>$25</td>
</tr>
</tbody>
</table>
</figure>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Cards</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>)</td>
<td>Buy</td>
<td>$42</td>
</tr>
<tr>
<td>American Express (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXP#NYSE">AXP</a>)</td>
<td>Buy</td>
<td>$350</td>
</tr>
<tr>
<td>Capital One Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>)</td>
<td>Buy</td>
<td>$229</td>
</tr>
<tr>
<td>Discover Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>)</td>
<td>Buy</td>
<td>$233</td>
</tr>
<tr>
<td>Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>)</td>
<td>Hold</td>
<td>$72</td>
</tr>
</tbody>
</table>
</figure>
See Also: <a href="https://www.benzinga.com/general/market-summary/25/01/42867184/yield-curve-normalization-cheap-valuation-eps-growth-to-boost-banks-in-2025-truist-initiates-coverage-on-these-14-regional-names">Yield Curve Normalization, Cheap Valuation, EPS Growth To Boost Banks In 2025: Truist Initiates Coverage On These 14 Regional Names</a>
Why It Matters: The three listed key paths for regional banks and card companies to thrive can be differentiated and linked to the stocks as mentioned by Truist in their research note.
Differentiated Growth Stories
<ul>
<li>Differentiated Customer Base: American Express Co has an exclusive high-end customer base, which would require an investment of over $100 billion to replicate, according to Truist. On the other hand, Fifth Third Bancorp has a unique ability to organically build a strong deposit market share.</li>
</ul>
<ul>
<li>Differentiated Form of Fee Income: Capital One Financial Corp has seen an expansion of network revenues following the acquisition of Discover. While, KeyCorp&#8217;s leading regional investment banking franchise will be favored by given the potential for increased deal activity driven by the Federal Reserve&#8217;s interest rate cuts and anticipated political changes.</li>
</ul>
<ul>
<li>Niche Business with Competitive Moat: Wintrust Financial Corp secures a dominant position in the highly profitable insurance premium finance market. Whereas, Huntington Bancshares Inc&#8216;s differentiated approach, including its expansion into new lending areas, will support its continued strong performance in loan, deposit, and fee growth across high-quality markets.</li>
</ul>
Disciplined Capital Deployment
<ul>
<li>Another way in which the regional banks could thrive includes a disciplined capital deployment which typically follows organic growth first, followed by dividends and buybacks, and potentially mergers and acquisitions. However, the key lies not in the order itself, but in the flexibility and agility with which banks can adjust their capital allocation strategy in response to evolving company, industry, and macroeconomic conditions.</li>
</ul>
<ul>
<li>Truist believes some banks are attractively valued for share repurchases. M&amp;T Bank Corp&#8216;s CFO in a recent conference hinted at higher buybacks in 2025.</li>
</ul>
Navigating The Evolving Landscape
<ul>
<li>According to Truist, it&#8217;s not unusual for multiple challenges to arise simultaneously. The current environment has witnessed sluggish loan and deposit growth amidst rapid interest rate hikes. However, it is anticipated that at least some of these headwinds will begin to abate in the coming year, leading to a more favorable environment for the banking sector</li>
</ul>
<ul>
<li>CRE Valuation: Banks with significant commercial real estate exposure in high-growth, high-income markets, such as Fifth Third and Huntington, are well-positioned for future CRE origination opportunities. M&amp;T and Citizens Financial Group Inc. will also benefit from an eventual improvement in market conditions.</li>
</ul>
Read Next:
<ul>
<li><a href="https://www.benzinga.com/markets/equities/25/01/42836744/baby-its-cold-outside-these-5-winter-ready-stocks-have-what-it-takes-to-make-you-feel-warm-and-cozy" target="_blank" rel="noreferrer noopener">Baby, It's Cold Outside: These 5 Winter-Ready Stocks Have What It Takes To Make You Feel Warm And Cozy</a></li>
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Photo courtesy: Shutterstock

Regional Banks Can Thrive Despite Big Bank Dominance: Truist Securities Highlights Three Key Paths For Thriving Regional Banks

Analysts at <a href="https://www.benzinga.com/topic/truist-securities">Truist Securities</a> initiated coverage on 24 large-cap, regional, and trust banks, as well as credit card companies. They anticipate strong earnings growth over the next two years, projecting an annual increase of 12-15% fueled by factors like improving loan growth, a steeper yield curve, and ample capital for expansion.
What Happened: Forecasting a favorable environment for banks in 2025 and 2026, the analysts at Truist foresee a less stringent regulatory environment, with more clarity and flexibility for banks regarding mergers and acquisitions, and the deployment of excess capital.
The note highlighted that the banking stocks were de-rated during the first two years of Trump 1.0 because the yield curve was flattened and late-cycle macro concerns surfaced, even as the administration enacted bank-friendly tax reform and regulatory tailoring. However, according to the brokerage, a little Fed easing and a steeper curve are necessary for the stocks to be re-rated and two rate cuts are expected in 2025, as hinted by Fed during their December meeting. 
According to Truist, while bank valuations have increased, they remain relatively attractive compared to historical levels. They currently trade at a price-to-book value (P/TBV) below their post-financial crisis average, and at a significant discount to the broader market. The note adds that given the current market valuations, bank stocks appear undervalued relative to the S&amp;P 500.
However, despite Truist beliefs that the sector offers attractive opportunities, careful stock selection is crucial according to them. &#8220;While we're not at &#8216;close your eyes and buy ‘em levels,&#8217; we still see attractive opportunities across the sector and view stock selection as increasingly important,&#8221; the note said.
See Also: <a href="https://www.benzinga.com/markets/equities/25/01/42836744/baby-its-cold-outside-these-5-winter-ready-stocks-have-what-it-takes-to-make-you-feel-warm-and-cozy">Baby, It&#8217;s Cold Outside: These 5 Winter-Ready Stocks Have What It Takes To Make You Feel Warm And Cozy</a>
Why It Matters: Truist&#8217;s coverage on 24 financial stocks is spread across three subgroups namely, large-cap, regional, and trust banks, which is initiated with a positive outlook.
<h3 class="wp-block-heading">Large-Cap Banks</h3>
The research note examines long-term investment potential of large U.S. banks as these institutions possess significant advantages, including, &#8220;embedded offense&#8221; with the presence of strong existing businesses and customer relationships.
It also anticipates cyclical tailwinds and capital leverage for such banks given a favorable economic environment and the ability to effectively utilize capital for growth.
These factors position large U.S. banks to achieve organic growth by the expansion of core businesses, double-digit earnings growth and an attractive returns on equity.
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Large Cap Banks</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Bank of America (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>)</td>
<td>Buy</td>
<td>$52</td>
</tr>
<tr>
<td>Citigroup (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/C#NYSE">C</a>)</td>
<td>Buy</td>
<td>$85</td>
</tr>
<tr>
<td>Wells Fargo (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>)</td>
<td>Buy</td>
<td>$82</td>
</tr>
<tr>
<td>JPMorgan Chase (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>)</td>
<td>Hold</td>
<td>$260</td>
</tr>
<tr>
<td>PNC Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PNC#NYSE">PNC</a>)</td>
<td>Hold</td>
<td>$215</td>
</tr>
<tr>
<td>US Bancorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/USB#NYSE">USB</a>)</td>
<td>Hold</td>
<td>$54</td>
</tr>
</tbody>
</table>
</figure>
<h3 class="wp-block-heading">Regional Banks And Cards</h3>
Truist also initiated coverage on 14 regional financial companies outlining three key strategies for regional banks to remain competitive.
<ul>
<li>Differentiated Growth: Focus on unique and sustainable growth opportunities.</li>
</ul>
<ul>
<li>Disciplined Capital Allocation: Efficiently deploy capital to support growth and enhance shareholder value.</li>
</ul>
<ul>
<li>Navigating the Evolving Landscape: Adapt to changing market conditions, including interest rates, yield curve shifts, loan and deposit growth, and commercial real estate market dynamics.</li>
</ul>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Regional Banks</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Fifth Third Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FITB#NASDAQ">FITB</a>)</td>
<td>Buy</td>
<td>$51</td>
</tr>
<tr>
<td>Huntington Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBAN#NASDAQ">HBAN</a>)</td>
<td>Buy</td>
<td>$19</td>
</tr>
<tr>
<td>M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>)</td>
<td>Buy</td>
<td>$233</td>
</tr>
<tr>
<td>Wintrust Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WTFC#NASDAQ">WTFC</a>)</td>
<td>Buy</td>
<td>$151</td>
</tr>
<tr>
<td>Citizens Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>)</td>
<td>Hold</td>
<td>$49</td>
</tr>
<tr>
<td>Comerica Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMA#NYSE">CMA</a>)</td>
<td>Hold</td>
<td>$65</td>
</tr>
<tr>
<td>First Citizens BancShares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FCNCA#NASDAQ">FCNCA</a>)</td>
<td>Hold</td>
<td>$2,303</td>
</tr>
<tr>
<td>KeyCorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KEY#NYSE">KEY</a>)</td>
<td>Hold</td>
<td>$19</td>
</tr>
<tr>
<td>Regions Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>)</td>
<td>Hold</td>
<td>$25</td>
</tr>
</tbody>
</table>
</figure>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Cards</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>)</td>
<td>Buy</td>
<td>$42</td>
</tr>
<tr>
<td>American Express (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXP#NYSE">AXP</a>)</td>
<td>Buy</td>
<td>$350</td>
</tr>
<tr>
<td>Capital One Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>)</td>
<td>Buy</td>
<td>$229</td>
</tr>
<tr>
<td>Discover Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>)</td>
<td>Buy</td>
<td>$233</td>
</tr>
<tr>
<td>Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>)</td>
<td>Hold</td>
<td>$72</td>
</tr>
</tbody>
</table>
</figure>
<h3 class="wp-block-heading">Trust Banks And Capital Markets</h3>
Truist anticipates gradual interest rate decreases, the eventual end of quantitative tightening, and a healthy economy and capital markets providing a competitive landscape to trust banks.
According to the analysts, investors should prioritize stocks with the potential for sustained operating leverage. Which is the ability to increase profitability significantly with relatively small increases in revenue. And stocks with strong capital returns, with high levels of income through dividends and share buybacks.
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Trust Banks And Capital Markets</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Bank of New York Mellon (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BK#NYSE">BK</a>)</td>
<td>Buy</td>
<td>$91</td>
</tr>
<tr>
<td>Charles Schwab (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHW#NYSE">SCHW</a>)</td>
<td>Buy</td>
<td>$86</td>
</tr>
<tr>
<td>Northern Trust (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NTRS#NASDAQ">NTRS</a>)</td>
<td>Hold</td>
<td>$110</td>
</tr>
<tr>
<td>State Street (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/STT#NYSE">STT</a>)</td>
<td>Hold</td>
<td>$106</td>
</tr>
</tbody>
</table>
</figure>
Image via Shutterstock
Read Next:
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<li><a href="https://www.benzinga.com/25/01/42813271/as-billionaires-load-up-on-energy-stocks-given-trumps-proposed-policies-this-analyst-highlights-charlie-mungers-1962-oil-investment-which-can-outperform-all-the-rest">As Warren Buffett And Other Billionaires Load Up On Energy Stocks, This Analyst Highlights Charlie Munger&#8217;s 1962 Oil Investment Which Can &#8216;Outperform All The Rest&#8217;</a></li>
</ul>

Yield Curve Normalization, Cheap Valuation, EPS Growth To Boost Banks In 2025: Truist Initiates Coverage On These 14 Regional Names

A stronger lending environment, stable credit and renewed confidence in valuations could set the stage for a multiyear rally on U.S. regional banks, with some analysts predicting up to <a href="https://www.benzinga.com/topic/regional-banks">20% upside in 2025.</a>
Three major investment banks — JPMorgan Chase &amp; Co., Bank of America and Goldman Sachs — released fresh outlooks on regional banks Tuesday, issuing rating changes, top stock picks and sector recommendations for 2025.
Overall, analysts at all three firms are optimistic. Goldman Sachs analyst Ryan Nash, for example, highlighted several factors likely to improve sector fundamentals in 2025:
<ul>
<li>Loan Growth Recovery: While still slow, loan growth is expected to accelerate to 6%-7% by the second half of 2025 as corporations resume borrowing.</li>
<li>Net Interest Income Growth: A steeper yield curve and the repricing of fixed-rate assets are anticipated to boost NII. Nash expects margins to expand from the current 3.03% to 3.31% in 2025.</li>
<li>Fee Income Rebound: Treasury management, payments, and capital markets are set to improve, helping banks diversify revenue streams.</li>
<li>Stable Credit Conditions: Credit losses, measured by net charge-offs, are projected to remain flat or decline, while reserves could decrease as economic clarity improves.</li>
</ul>
<ol>
<li></li>
</ol>
According to Nash, the stocks of regional banks are trading at approximately 11.5 times estimated 2025 earnings—near their historical averages but with room for valuation expansion. 
The sector could generate returns on tangible common equity of 14%-15%, compared to 16% pre-2023.
This suggests the group could rise as much as 20% next year, according to Goldman Sachs, assuming the market gains confidence in forward earnings.
<h3 class="wp-block-heading">Goldman Sachs: Upgrades Zions, Downgrades Comerica</h3>
Goldman Sachs upgraded Zions Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ZION#NASDAQ">ZION</a>) from Neutral to Buy. The firm predicts a significant upside for the stock, with shares potentially reaching $70 in 2025.
Goldman downgraded Comerica Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMA#NYSE">CMA</a>) from Buy to Neutral, citing challenges in deposit management, fee income pressure, and elevated expense growth. Comerica's margins are expected to improve in 2025. But Nash sees limited upside, with shares already trading near their fair value of $70.
Goldman's top picks for 2025 include Truist Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TFC#NYSE">TFC</a>), Regions Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>), KeyCorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KEY#NYSE">KEY</a>) and Citizens Financial Group Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>).
Analysts remain positive on Fifth Third Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FITB#NASDAQ">FITB</a>), Huntington Bancshares Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBAN#NASDAQ">HBAN</a>) and First Citizens BancShares Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FCNCA#NASDAQ">FCNCA</a>).
<h3 class="wp-block-heading">The Case For Valuation Upside</h3>
JPMorgan Chase analysts are similarly bullish, indicating that regional banks are trading at just 1.4x their projected 2025 tangible book value, below the 1.8-2x historical range.
Anthony Elian, a JPMorgan analyst, said regional banks&#8217; valuations appear favorable relative to the broader market.
&#8220;While inflation remains above target, the steeper yield curve coupled with gradual rate cuts should serve as a favorable backdrop for regional banks,&#8221; Elian said. 
He expects the sector to attract more interest from generalist investors in 2025, further supporting valuations.
JPMorgan identified several regional banks with strong upside potential, including First Horizon Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FHN#NYSE">FHN</a>), Synovus Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SNV#NYSE">SNV</a>) and Pinnacle Financial Partners Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PNFP#NASDAQ">PNFP</a>). These names are expected to benefit from rebounding loan demand, robust deposit bases, and favorable capital return dynamics.
<h3 class="wp-block-heading">Improving Regulatory Environment </h3>
Bank of America analyst Ebrahim H. Poonawala also indicated that regional banks are poised to outperform the broader market in 2025, citing stronger earnings growth, discounted valuations, and a more predictable regulatory environment.
While Wells Fargo &amp; Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>) remains BofA's top pick, the bank also flagged KeyCorp and Huntington Bancshares Inc. as preferred names within regional banks.
The analyst highlighted a favorable backdrop for small- and mid-cap regional banks, particularly those with exposure to rebounding loan demand and capital return opportunities. 
Among these, BofA sees First Horizon Corp. and Synovus as potentially strong performers.
Bank of America highlights that looser regulation is a positive tailwind for the sector.
&#8220;Headlines tied to regulatory&nbsp;changes&nbsp;(once Trump appointees take charge)&nbsp;could kick-in as a positive catalyst&nbsp;for stocks,&#8221; Poonawala said. 
&#8220;We see Fed Vice Chair Michael Barr&#8216;s decision to step down from his position as vice chair of supervision as the opening act.&nbsp;End to Fed&#8217;s QT&nbsp;program&nbsp;could also&nbsp;serve&nbsp;as a positive for deposit growth/pricing,&#8221; he added. 
<h3 class="wp-block-heading">Market Reactions</h3>
The SPDR S&amp;P Regional Banking ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KRE#NYSE">KRE</a>) was 0.4% lower on Tuesday, while the Invesco KBW Bank ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/KBWB#NASDAQ">KBWB</a>) rose by 0.5%. 
Read Now: 
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</ul>
Image: Shutterstock

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