9 Banks - Regional companies within the Financial Services sector.
| Symbol | Company | Price | 1‑day | 1‑month |
|---|---|---|---|---|
| PNC | The PNC Financial Services Group | $252.56 | -0.08% | +1.46% |
| USB | U.S. Bancorp | $63.94 | +0.20% | +3.30% |
| TFC | Truist Financial | $52.35 | -0.46% | +1.91% |
| FITB | Fifth Third Bancorp | $57.09 | +0.23% | +0.97% |
| MTB | M&T Bank | $250.45 | +0.12% | +5.26% |
| HBAN | Huntington Bancshares | $17.55 | +1.09% | -1.18% |
| CFG | Citizens Financial Group | $72.67 | +0.33% | +4.70% |
| RF | Regions Financial | $31.43 | +0.13% | +2.78% |
| KEY | KeyCorp | $22.73 | +0.31% | -1.60% |
Regional banks take deposits and lend them out locally, earning the difference. Their competitive position rests almost entirely on the deposit base: cheap, sticky deposits from retail and small business customers fund loans at a wider spread than wholesale borrowing does, and a bank that has to compete for funding gives up margin immediately.
The risks are concentration risks. A regional lender's loan book is exposed to one geography and often to a handful of local industries or property types, so a downturn confined to a single region can impair a bank that looked well capitalised against national averages. Held-to-maturity securities portfolios add a second exposure, since their market value falls as rates rise even though the accounting does not show it.
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