BB&T Corp.

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  • uploads///mobile banking
    Company & Industry Overviews

    US Banking Sector: Key Trends and Outlook

    Changes in technology have reshaped the banking sector. Banks are increasingly collaborating with fintech firms to improve their customer service.

    By Rekha Khandelwal, CFA
  • uploads///non interest income
    Earnings Report

    Regions’ Wealth Management Business Posts Strong Growth in 1Q15

    Regions Financial’s (RF) Wealth Management revenue increased 10% YoY. Going forward, It intends to focus on growing its wealth management business.

    By Rekha Khandelwal, CFA
  • uploads///fhn pm
    Earnings Report

    First Horizon Reported Mixed Results in 3Q15

    First Horizon National has a market cap of $3.23 billion. After the earnings report in 3Q15, it fell by 1.2% to close at $13.80 per share as of October 16, 2015.

    By Gabriel Kane
  • uploads///fhn pbv
    Earnings Report

    How Does First Horizon National Compare to Its Peers?

    First Horizon outperformed its peers based on the forward PE ratio and PBV ratio. The ETFs outperformed First Horizon based on the price movement.

    By Gabriel Kane
  • uploads///Revenue breakdown by segment
    Company & Industry Overviews

    Analyzing BB&T Corporation’s 6 Operating Segments

    BB&T Corporation’s (BBT) operations are divided into six business segments. Community Banking contributes 46% to the total revenue.

    By Rekha Khandelwal, CFA
  • uploads///ETF Holdings in BBT
    Company & Industry Overviews

    Must-Know: Investing in BB&T through ETFs

    BB&T is more widely represented in ETFs focused on the banking sector. The SPDR S&P Bank ETF (KBE) has BB&T comprising ~1.6% of its portfolio.

    By Rekha Khandelwal, CFA
  • uploads///dollar _
    Company & Industry Overviews

    Markets Give a Thumbs Up to ‘True Merger of Equals’

    Today, Sun Trust Banks and BB&T announced a merger that would create the sixth largest bank in the United States.

    By Mohit Oberoi, CFA
  • uploads///MBAs market composite index
    Macroeconomic Analysis

    Banks Feel the Pinch of Fewer Mortgage Applications in Mid-May

    Mortgage applications for home purchases are a leading indicator of home sales. The decline was driven by a rise in fixed 30-year mortgage rates.

    By Rekha Khandelwal, CFA
  • uploads///Unemployment rate
    Macroeconomic Analysis

    Examining Potential Federal Reserve Rate Hikes

    The big question is how many rate hikes we’ll see in upcoming quarters. In September, the Federal Reserve indicated that there could be four rate hikes in 2016.

    By Robert Karr
  • uploads///three black crows
    Financials

    Three Black Crows And Three White Soldiers Candlestick Pattern

    The Three White Soldiers candlestick pattern is also a reversal pattern. It forms at the bottom of a downtrend. The pattern has three candles. All three of the candles are long and bullish.

    By Gordon Kristopher
  • uploads///AdobeStock_
    Company & Industry Overviews

    BB&T and SunTrust Get Regulatory Nod to Merge

    BB&T Corporation (BBT) and SunTrust Banks (STI) announced on November 19 that they’d received the necessary regulatory nod for their merger.

    By Amit Singh
  • uploads///dodd frank mortgages
    Miscellaneous

    The Dodd-Frank Act Has Suffocated Mortgages

    Some elements of the Dodd-Frank Act may inhibit many potential homebuyers from obtaining mortgages for desired properties.

    By Rebecca Keats
  • uploads///Anlaysts banks
    Company & Industry Overviews

    Understanding Analyst Expectations for Regional versus Large Banks

    With ~50% of analysts recommending that investors buy, analysts appear positive about the sector in the long term and a rate hike in December.

    By Rebecca Keats
  • uploads///Regional banks
    Miscellaneous

    Midsize Banks Need a Breather from Excessive Regulations

    Banks have seen compliance costs rise since the Dodd-Frank Act regulations took effect. For small banks, it’s been harder to absorb these costs.

    By Rebecca Keats
  • uploads///bpop pbv
    Earnings Report

    How Has Popular Performed in a Competitive Market?

    Based on PE and PBV, Popular’s competitors have outperformed. The ETFs that invest in Popular have also outperformed Popular based on price movement, PE, and PBV.

    By Gabriel Kane
  • uploads///bpop pm
    Earnings Report

    Popular’s Interest and Non-Interest Income Fell in 3Q15

    Year-to-date, Popular’s price movement is a mixture of ups and downs. After its 3Q15 earnings report, Popular stock fell 3.6% and closed at $30.26 per share on October 23, 2015.

    By Gabriel Kane
  • uploads///hban pbv
    Earnings Report

    How Has Huntington Bancshares Performed?

    Huntington’s peers have outperformed the company based on EPS. However, Huntington Bancshares is way ahead of its peers based on forward PE and PBV.

    By Gabriel Kane
  • uploads///snv pbv
    Earnings Report

    How Does Synovus Financial Compare to Its Peers?

    The price-to-book value ratios of Synovus, BB&T, SunTrust Banks, Regions Financial, and Capital Bank Financial are 1.43x, 1.19x, 0.93x, 0.77x, and 1.37x.

    By Gabriel Kane
  • uploads///cma pbv
    Earnings Report

    How Did Comerica Perform Compared to Its Peers?

    The peers outperformed Comerica based on the PBV ratio. However, Comerica is way ahead of its peers based on the forward PE ratio.

    By Gabriel Kane
  • uploads///mbas market composite index
    Macroeconomic Analysis

    June Surge in Mortgage Applications Should Benefit Banks

    The MBA’s survey is based on applications for residential mortgages. It covers more than 75% of all US retail residential mortgage applications.

    By Rekha Khandelwal, CFA
  • uploads///total loans weekly yoy growth
    Macroeconomic Analysis

    Total Loans at Banks Grew 7.6% in First Week of June

    In this series, we’ll review the banking sector’s two primary indicators—loan and deposit growth. Total loans are generally made up of commercial and industrial loans, consumer loans, and real estate loans.

    By Rekha Khandelwal, CFA
  • uploads///daily treasury yield curve
    Macroeconomic Analysis

    Banks Set to Profit from Steepening Yield Curve

    The yield curve has steepened a bit compared to where it was a week or even a month ago. Investors should consider the yield curve slope an indicator of bank performance.

    By Rekha Khandelwal, CFA
  • uploads///net interest margin for all fdic insured institutions
    Macroeconomic Analysis

    Interest Rates : A Key Indicator for the Banking Sector

    When interest rates rise, banks typically increase the interest they charge for loans faster than what they pay on deposits. This gives an immediate boost to their margins.

    By Rekha Khandelwal, CFA
  • uploads///daily treasury yield curve
    Macroeconomic Analysis

    Why Does a Flattened Yield Curve Hurt Banks?

    Banks benefit from a steeper yield curve, which allows banks to lend on higher long-term rates and borrow on lower short-term rates. This boosts banks’ margins.

    By Rekha Khandelwal, CFA
  • uploads///Net Interest margins
    Macroeconomic Analysis

    Interest Rates Change: A Key Indicator for the Banking Sector

    Lower interest rates on a sustained basis have negatively impacted the performance of the US banking sector. Banks are not able to use much deposit pricing strategies to boost margins.

    By Rekha Khandelwal, CFA
  • uploads///total loans weekly yoy growth
    Macroeconomic Analysis

    Latest Data: Commercial Banks Record 8% Loan Growth

    According to the Fed’s data, total loans for all US commercial banks increased 7.9% in the week ending May 6. Loan growth is vital to banks’ income growth.

    By Rekha Khandelwal, CFA
  • uploads///expectations for
    Earnings Report

    Revenue Diversification: A Key Priority for Regions Financial

    During 1Q15, Regions Financial (RF) repurchased $102 million of common stock—completing its $350 million 2014 repurchase program.

    By Rekha Khandelwal, CFA
  • uploads///tier  capital
    Earnings Report

    PNC Returned Capital through Stock Repurchases and Dividend

    In 1Q15, PNC Financial bought back 4.4 million common shares worth $0.4 billion. The purchase was part of its four-quarter repurchase program.

    By Robert Karr
  • uploads///Valuation
    Earnings Report

    Why PNC Financial Has Been Pricing at a Premium

    PNC Financial (PNC) successfully diversified its banking operations by extending offerings in asset management, consumer services, and investment banking.

    By Robert Karr
  • uploads///Price to book ratios ROE
    Company & Industry Overviews

    BB&T’s Relative Valuation Is close to the Industry Average

    BB&T’s loan and deposit growth is marginally below the industry average. Its ROE and price-to-book ratio are close to the peer average.

    By Rekha Khandelwal, CFA
  • uploads///BBTs funding mix
    Company & Industry Overviews

    Why BB&T Has Low Funding Costs Compared to Its Peers

    Deposits are the cheapest funding source. Since deposits fund a major chunk of BB&T’s assets, the overall funding costs are low.

    By Rekha Khandelwal, CFA
  • uploads///Changes in BBTs portfolio mix
    Company & Industry Overviews

    BB&T’s Loan Growth Is below the Average Rate

    BB&T hasn’t acquired many banks since 2009. Completing the Bank of Kentucky and Susquehanna acquisitions might boost the bank’s loan growth.

    By Rekha Khandelwal, CFA
  • uploads///Revenue Composition
    Company & Industry Overviews

    SunTrust: A Leading Bank in the Southeast

    SunTrust provides a broad range of consumer and wholesale banking, mortgage banking, and private wealth management services.

    By Rekha Khandelwal, CFA
  • uploads///price to book ratios relative to ROE
    Company & Industry Overviews

    Is SunTrust Bank’s Stock Undervalued?

    SunTrust Bank’s return on equity is 8%, which is 18% lower than the industry average.

    By Rekha Khandelwal, CFA
  • uploads///Suntrusts net interest margins
    Company & Industry Overviews

    Why SunTrust Has Lower Net Interest Margins

    SunTrust Bank’s net interest income in 2014 remained stable compared to 2013 as strong loan growth offset the decline in net interest margin.

    By Rekha Khandelwal, CFA
  • uploads///Mortgage Banking
    Company & Industry Overviews

    SunTrust’s Mortgage Banking Focuses on Efficiency Improvement

    SunTrust’s Mortgage Banking segment reported a net loss of $56 million for 2014 compared to a net loss of $527 million for 2013.

    By Rekha Khandelwal, CFA
  • uploads///Wholesale banking
    Company & Industry Overviews

    Commercial Loans Drive SunTrust’s Wholesale Banking Growth

    The Wholesale Banking segment’s net interest income increased in 2014 compared to 2013.

    By Rekha Khandelwal, CFA
  • uploads///Dividend Yield
    Company & Industry Overviews

    SunTrust Bank Has a Lower Dividend Yield

    SunTrust Bank (STI) paid common dividends totaling $371 million or $0.70 per share in 2014.

    By Rekha Khandelwal, CFA
  • uploads///Dividend Yield
    Company & Industry Overviews

    BB&T Offers a Higher Dividend Yield Compared to Its Peers

    Dividend yield is a company’s annual dividend per share. It’s expressed as a percentage of its share price. Dividend yields are important if you want a regular stream of income.

    By Rekha Khandelwal, CFA
  • uploads///BBTs expanding geographic footprint
    Company & Industry Overviews

    BB&T to Expand Its Footprint in Ohio and the Mid-Atlantic Region

    BB&T’s Susquehanna acquisition will significantly expand BB&T’s Mid-Atlantic footprint. The deal is valued at ~$2.5 billion. It will close in the second half of 2015.

    By Rekha Khandelwal, CFA
  • uploads///Recent Mergers and acquisitions
    Company & Industry Overviews

    BB&T Is Expanding Its Footprint in Texas

    BB&T entered Texas in 2009 with the acquisition of Colonial BancGroup. BB&T is looking to expand its branch network in Texas.

    By Rekha Khandelwal, CFA
  • uploads///Top US insurance brokers
    Company & Industry Overviews

    Insurance Brokerage Provides Stability to BB&T’s Revenue

    The revenue from insurance services isn’t sensitive to interest. It isn’t subject to the credit cycle’s dynamics. It provides stability to BB&T’s revenue.

    By Rekha Khandelwal, CFA
  • uploads///Diversified insurance revenues
    Company & Industry Overviews

    Why BB&T’s Insurance Services Revenue Is Diversified

    BB&T’s (BBT) Insurance Services segment has diversified revenue between retail and wholesale markets as well as by insurance product types.

    By Rekha Khandelwal, CFA
  • uploads///Capital markets delivery channel
    Company & Industry Overviews

    BB&T Focuses on Expanding Corporate Banking Services

    BB&T is focused on expanding its corporate banking services. It’s adding new industry verticals for lending and investment banking services.

    By Rekha Khandelwal, CFA
  • uploads///Specialized lending segment
    Company & Industry Overviews

    BB&T Is Offering Specialized Lending Services

    BB&T’s (BBT) Specialized Lending consists of businesses and subsidiaries that provide specialty finance products. The segment’s net income decreased 5.9%.

    By Rekha Khandelwal, CFA
  • uploads///Portfolio segmentation
    Company & Industry Overviews

    Eased Lending Standards Boost BB&T’s Auto Lending

    Easing underwriting standards across auto lenders is leading to an increase in subprime lending. Dealer Financial Services grew average loans by 10.5% compared to 2013.

    By Rekha Khandelwal, CFA
  • uploads///Residential Mortgage Banking Segment
    Company & Industry Overviews

    BB&T’s Residential Mortgage Banking’s Net Income Declined

    BB&T’s (BBT) Residential Mortgage Banking segment’s net interest income for 2014 decreased, primarily due to lower average loan balances.

    By Rekha Khandelwal, CFA
  • uploads///Industry origination market size
    Company & Industry Overviews

    BB&T’s Residential Mortgage Banking Segment Faces Headwinds

    BB&T’s (BBT) Residential Mortgage Banking segment retains and services mortgage loans originated by the Community Banking segment.

    By Rekha Khandelwal, CFA
  • uploads///Community banking revenue and income
    Company & Industry Overviews

    BB&T’s Community Banking Is Impacted by Low Interest Rates

    BB&T’s Community Banking segment offers a variety of loan and deposit products and other financial services. The segment’s net interest income decreased in 2014.

    By Rekha Khandelwal, CFA
  • uploads///Geography of operations
    Company & Industry Overviews

    BB&T Corporation Is a Leading Bank in the Southeast Region

    BB&T Corporation (BBT) is a financial holding company. It conducts its operations primarily through its bank subsidiary—Branch Bank.

    By Rekha Khandelwal, CFA
  • uploads///Dividend Yield
    Company & Industry Overviews

    Regions Financial has low earnings and dividend growth

    Earnings are growing, but at a slow pace. Regions Financial’s (RF) net income increased by 1% in 2014—compared to 2013.

    By Rekha Khandelwal, CFA
  • uploads///Regions acquisitions
    Company & Industry Overviews

    Why inorganic growth works for Regions Financial

    A substantial portion of Regions Financial’s growth has been through the acquisition of other financial institutions. The bank was formed in 1971.

    By Rekha Khandelwal, CFA
  • uploads///business loan portfolio break up
    Company & Industry Overviews

    Regions Financial focuses on business loans

    Regions Financial’s loan portfolio can broadly be classified into business and consumer loans. Business loans account for ~62% of the total loan portfolio.

    By Rekha Khandelwal, CFA
  • uploads///Net interest margin
    Company & Industry Overviews

    Why does Regions Financial have a stable net interest margin?

    For a bank, the net interest margin is the difference between the interest income generated and the interest paid out as a percentage of interest-earning assets.

    By Rekha Khandelwal, CFA
  • uploads///Geographic footprint
    Company & Industry Overviews

    What investors should know about Regions Financial Corporation

    Regions Financial Corporation is a leading regional bank in the southeastern US. It’s the 17th largest bank in the US—based on assets.

    By Rekha Khandelwal, CFA
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