BB&T Corp.

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

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.

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

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

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

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.

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

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

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.

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.

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

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.

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.

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.

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.

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

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

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.

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

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

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

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

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

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

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.

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.

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

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

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.

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

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

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

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