Independent research on the U.S. markets, Baptista Research

Baptista Research

Independent research on the U.S. markets

Baptista Research is an independent financial research house focused on the U.S. markets. We provide equity research as well as credit research reports on the top-listed U.S. companies with most of our focus on technology, consumer goods and services, automobiles, industrials, oil and gas, pharma, and healthcare. Our research has served more than 3000 institutional investors including mutual funds, hedge funds, banks, family offices, and various buy-side firms. We operate a research subscription service where institutions, as well as retail investors, can have priority access to all our research. We also have a wide distribution of our research reports across some of the top global financial platforms. Apart from equity research and credit research, we also provide advisory services with respect to mergers & acquisitions (M&A), private equity/ venture capital fundraising, valuation reports, and investment management services for corporates.
Baptista Research is owned and managed by Ishan Majumdar, an ex-Venture Capitalist/ Investment Banker, a Chartered Accountant, and a Masters’ degree holder in Management from HEC Paris. Ishan has nearly a decade of experience in Mergers and Acquisitions, Leveraged Buyouts (LBOs), Venture Capital Investing, Corporate Strategy, and Valuation in front-office roles at the likes of BNP Paribas CIB, Credit Agricole CIB, Groupe Danone, and TIW Private Equity. He has worked on and closed multiple acquisition deals, leveraged buyouts, and start-up investment transactions.

Equity Bottom-Up

<ul><li>Regions Financial Corporation reported solid quarterly earnings with the announcement of $534 million in net income, translating to earnings per share of $0.59.</li><li>On an adjusted basis, earnings were slightly higher at $538 million, or $0.60 per share.</li><li>The financial results during the quarter were strong, with a 14% year-over-year increase in pretax pre-provision income to $832 million and a return on tangible common equity reaching 19%.</li></ul>

Regions Financial Corporation reported solid quarterly earnings with the announcement of $534 million in net income, translating to earnings per share of $0.59.On an adjusted basis, earnings were slightly higher at $538 million, or $0.60 per share.The financial results during the quarter were strong, with a 14% year-over-year increase in pretax pre-provision income to $832 million and a return on tangible common equity reaching 19%.

Regions Financial: How Cloud & AI Are Reshaping Operations Behind the Scenes!

<ul><li>Regions Financial Corporation's recent earnings report presents a mixed picture of the bank's financial performance and future outlook.</li><li>The reported earnings for the quarter came in strongly at $465 million, resulting in an earnings per share of $0.51 and adjusted earnings of $487 million and adjusted EPS of $0.54.</li><li>Despite these positive headline figures, further examination reveals both promising trends and challenges that investors should consider.</li></ul>

Regions Financial Corporation's recent earnings report presents a mixed picture of the bank's financial performance and future outlook.The reported earnings for the quarter came in strongly at $465 million, resulting in an earnings per share of $0.51 and adjusted earnings of $487 million and adjusted EPS of $0.54.Despite these positive headline figures, further examination reveals both promising trends and challenges that investors should consider.

Regions Financial Corporation: Capital & Liquidity Strategy to Uphold Robust Capital Positions!

<ul><li>Regions Financial Corporation has delivered a mixed set of results for its 2024 fiscal year.</li><li>Positively, the company reported strong full-year earnings of $1.8 billion, with earnings per share at $1.93 and a return on average tangible common equity of 18%.</li><li>This performance is attributed to robust performances in its capital markets, wealth management, and treasury management operations, which achieved record revenues.</li></ul>

Regions Financial Corporation has delivered a mixed set of results for its 2024 fiscal year.Positively, the company reported strong full-year earnings of $1.8 billion, with earnings per share at $1.93 and a return on average tangible common equity of 18%.This performance is attributed to robust performances in its capital markets, wealth management, and treasury management operations, which achieved record revenues.

Regions Financial Corporation: Deposit Pricing Strategy As A Strategic Growth Enabler! - Major Drivers

Research and consultancy, Tabbush Report

Daniel Tabbush

Research and consultancy

Tabbush Report

We provide research and consultancy on Asian banks. Our focus is on what we call “Asian bank research, without the noise.” We are interested in the most critical swing-factors for banks, the NPL and credit cycle, and where we believe there is a gap between perception and reality. We often focus on the less studied components of bank financial statements.  Our research is highly thematic, sometimes examining unlisted banks and companies as a window on mainstream banks. 

Being independent allows us to look at smaller banks, often overlooked by others. Analysis of BIS bank guidelines in the context of Asia, is also a focal point, while we also analyze global banks operating in the region. We use what we believe is the most comprehensive, reliable financials database, SNL Financial. S&P Capital IQ augments our database, with corporate data and CEIC, with economics. 

Asian bank research, without the noise.

Thematic (Sector/Industry)

<ul>
<li>Weekly balance sheets at US banks show a strong economy, and likely far better 3Q25 results for banks</li>
<li>Credit growth continues to accelerate, now at 4.67% YoY, weekly CP data is very strong, at +26% YoY</li>
<li>Credit metrics appear very strong, with LLR growing at almost nothing, at 1.36% YoY and less than 2% YoY for all weeks so far in this quarter</li>
</ul>


Weekly balance sheets at US banks show a strong economy, and likely far better 3Q25 results for banks
Credit growth continues to accelerate, now at 4.67% YoY, weekly CP data is very strong, at +26% YoY
Credit metrics appear very strong, with LLR growing at almost nothing, at 1.36% YoY and less than 2% YoY for all weeks so far in this quarter


US Banks - Weekly Loans Accelerate to 4.67% YoY, LLR at Only +1.36% YoY, CP +26% YoY

<ul>
<li>There is a long period of flat lining loans for large US banks indicative of weak demand that is persistent and risk-aversion by banks. </li>
<li>Large time deposits have swelled and this should continue to 'roll through' banks' income statement with high funding cost growth.</li>
<li>We show about 30 of the largest banks in the US, their profile of high funding costs growth and weak interest income growth; flat loans will not help.</li>
</ul>


There is a long period of flat lining loans for large US banks indicative of weak demand that is persistent and risk-aversion by banks. 
Large time deposits have swelled and this should continue to 'roll through' banks' income statement with high funding cost growth.
We show about 30 of the largest banks in the US, their profile of high funding costs growth and weak interest income growth; flat loans will not help.


US Banks - Flat Loans ~USD6.7 Trillion for Almost Every Week for Nearly 2 Years

United States

Regions Financial Corporation is a regional multi-bank holding company.  The Company provides mortgage banking, credit life insurance, leasing, commercial accounts receivable factoring, specialty mortgage financing, and securities brokerage services.  Regions provides banking services throughout the South, Midwest, and Eastern United States.

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Regions Financial (RF US)

Regions Financial: How Cloud & AI Are Reshaping Operations Behind the Scenes!

Regions Financial Corporation reported solid quarterly earnings with the announcement of $534 million in net income, translating to earnings per...

Baptista Research

Regions Financial Corporation: Capital & Liquidity Strategy to Uphold Robust Capital Positions!

Regions Financial Corporation's recent earnings report presents a mixed picture of the bank's financial performance and future outlook. The...

Baptista Research

Regions Financial Corporation: Deposit Pricing Strategy As A Strategic Growth Enabler! - Major Drivers

Regions Financial Corporation has delivered a mixed set of results for its 2024 fiscal year. Positively, the company reported strong full-year...

Baptista Research

US Banks - Weekly Loans Accelerate to 4.67% YoY, LLR at Only +1.36% YoY, CP +26% YoY

Weekly balance sheets for US banks show accelerating 4.67% loan growth, and weekly CP data is very strong at +26% YoY. Credit metrics appear...

Daniel Tabbush

US Banks - Flat Loans ~USD6.7 Trillion for Almost Every Week for Nearly 2 Years

US loans are flat for most all weeks for nearly two years, and funding costs have surged, putting net interest income under pressure, and this...

Daniel Tabbush

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