
Regions Bank Named 2025 Gallup Exceptional Workplace Award Winner
Regions Bank is proud to announce it has received the 2025 Gallup Exceptional Workplace Award (GEWA) for employee engagement. This award recognizes the most engaged workplace cultures in the world. This is the 11th year Regions has been recognized by Gallup.
'The engagement of our associates is foundational to our company's success,' said Dave Keenan, Regions Chief Administrative and Human Resources Officer. 'Engagement creates a workplace where current talent wants to stay, and new talent wants to join. This award is an honor, and it is motivation to continue our efforts around creating a workplace where our associates can grow and thrive throughout their careers at Regions.'
Despite the momentous challenges in the rapidly evolving workplaces of the world, Gallup found that Regions has continued to engage and develop its associates in innovative ways, setting new benchmarks for workplace excellence.
The engagement of our associates is foundational to our company's success.
Dave Keenan, Regions Chief Administrative and Human Resources Officer
'Your commitment to creating an environment where employees feel valued, heard and empowered to do their best work is truly remarkable,' said Jon Clifton, Gallup's chief executive officer. 'By prioritizing both people and performance, you are shaping the future of work and proving that exceptional workplaces drive real results.'
Gallup's meta-analysis on team engagement and performance is the most comprehensive workplace study ever conducted, with data on more than 3.3 million employees in 347 organizations across 53 industries and 90 countries. Highly engaged organizations significantly outperform their peers on important business outcomes, including customer ratings, profitability, productivity, turnover, safety incidents, shrinkage, absenteeism, quality, wellbeing and organizational citizenship.
For a complete list of winners, visit the 2025 Gallup Exceptional Workplace Award Winners page. Learn more about the awards here.
About Regions Financial CorporationRegions Financial Corporation (NYSE:RF), with $157 billion in assets, is a member of the S&P 500 Index and is one of the nation's largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas, and through its subsidiary, Regions Bank, operates approximately 1,250 banking offices and more than 2,000 ATMs. Regions Bank is an Equal Housing Lender and Member FDIC. Additional information about Regions and its full line of products and services can be found at www.regions.com.
About Gallup Gallup delivers analytics and advice to help leaders and organizations solve their most pressing problems. Combining more than 80 years of experience with its global reach, Gallup knows more about the attitudes and behaviors of employees, customers, students and citizens than any other organization in the world.
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Two aerospace stocks are deeply overbought and could be due for a pullback
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CNN
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Should you invest in crypto now?
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The answer will be highly personal, driven by your risk tolerance, time horizon and knowledge. Despite being a crypto advocate, Tyrone Ross, founder of financial planning firm 401 Financial, put it this way: 'We have a long way to go before you should be YOLO-ing your way into crypto.' When financial advisers have been asked over the past several years whether they would recommend that clients invest in bitcoin or other cryptocurrencies, many were reluctant because digital assets were not regulated, pricing was highly volatile and their use case and valuation was hard for both adviser and client to understand. Unlike stocks, which can be valued on the basis of tangible components such a company's goods and services, bitcoin is considered a store of value, and its price is driven by what others are willing to pay for it. That caution was understandable, said Ric Edelman, who founded Edelman Financial Engines and then created the Digital Assets Council of Financial Professionals, which provides certification courses in blockchain and digital assets for financial professionals and investors. But, at this point, Edelman believes that advisers who value diversification as a strategy in their clients' portfolio — eg, across asset classes, sectors, etc. — would be remiss not to recommend adding at least a small amount of digital asset exposure. 'They ought to be cautious. But being cautious doesn't mean abstinence,' he noted. 'We've seen bitcoin reach all-time highs and seen institutional investors engage for the first time.' Several years ago, when crypto's future was far less certain, Edelman had recommended a 1% asset allocation to crypto, an amount small enough that even if a crypto investment fell to zero it would not greatly harm the long-term trajectory of a person's portfolio. In March this year, using bitcoin as an example, he compared the performance of a balanced 60% stocks/40% bonds portfolio with an average annual return of 7% over a decade, to a portfolio where the equity portion is reduced to 59% in favor of a 1% investment in bitcoin. In the extreme, if bitcoin became worthless the average return would only drop to 6.9%. And, equally extreme, if the price rose to $1 million, the return would increase to 7.4%. If the equity portion were reduced to 57% with 3% put into bitcoin, the average return drops to 6.8% in the worthless scenario and jumps to 8.2% if bitcoin hits $1 million. If bitcoin exposure were upped to 5%, the downside return would be 6.7% and the upside return would be 9%. Despite bitcoin trading around $100,000 — a nosebleed level relative to where it had fallen during the so-called crypto winter of 2022 — Edelman believes that the price still has a lot of upward potential because the number of bitcoins is permanently limited and demand for it is increasing. For those who have yet to invest in crypto and would like to, 'the best place to begin is bitcoin,' Edelman said. 'It is by the far the largest digital asset — and it's the digital asset of choice for institutional investors.' And, he added, 'it's different than all other digital assets. It's a store of value and a transmittal (instrument). All the others are designed for specific commercial uses and it's far less certain as to which of the others will be successful.' But investing directly in bitcoin and storing it in your own wallet can be a complicated proposition unless you know what you're doing. 'Scams are a big issue in this space,' Ross said. A far safer route for the novice crypto investor, he and Edelman said, is through an SEC-regulated bitcoin ETF. Not everyone is as immediately bullish as Edelman. In a March note to clients, TIAA chief investment officer Niladri Mukherjee said, 'While broadening enthusiasm around crypto adoption and the bitcoin ETFs are an encouraging sign for the industry, from an investment perspective, its value drivers will take time to develop and to be well understood by market participants.' Given that the industry is still 'quite opaque and unregulated,' Mukherjee added that individuals should do their due diligence before investing. But even before you do that, gut check yourself. When asked who absolutely should not invest in crypto, Edelman was quick to reply: 'Those who cannot emotionally tolerate volatility. Because we know (cryptocurrencies are) highly volatile. You're likely to sell when prices are low.' That's especially the case if you decide to invest directly in a given coin. A good way to test your appetite for volatility is to consider how much you might spend on a nice meal at a favorite restaurant and invest that amount into crypto if it doesn't strain your household budget. Then just watch to see what happens over the next several months, Ross said. 'Track it, read about it, understand its ebbs and flows.' In other words, educate yourself about how things work before making any real commitment to it. Then if you think you're comfortable enough, you might invest small amounts monthly — again, nothing that would compromise you financially, he suggested. In terms of an overall allocation of your assets, Lazetta Rainey Braxton, founder of the financial planning firm The Real Wealth Coterie, said you want an amount that is small enough that it won't undermine the valuation of your portfolio if things go south. 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Yahoo
2 hours ago
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Meet the Only S&P 500 Stock That Yields Over 10%. Here's Why It Could Be Worth Buying in June.
Dow Inc. is under pressure due to weak customer demand, global competition, and high costs. Management doesn't want to cut the dividend, but it could be a good choice given cost pressures. Even if Dow cut its dividend in half, it would still have an excellent yield. 10 stocks we like better than Dow › Commodity chemical giant Dow Inc. (NYSE: DOW) is hovering around a five-year low and is now down around 50% from its spin-off price when DowDuPont split into three separate companies in April 2019. Dow has kept its dividend the same for the last six years. But since the stock has been beaten down so much, Dow's yield has jumped to a whopping 10.3% at the time of this writing -- making it the highest-yielding component in the S&P 500 (SNPINDEX: ^GSPC). Here's why Dow's challenges persist and why the dividend stock could be worth buying now, even if the company reduces its payout. Dow makes commodity chemicals -- mainly plastics and synthetic rubber. Dow has hundreds of products that are used either directly or indirectly across virtually every industry in the economy -- from electronics to food and beverage packing, textiles, construction, industrial applications, healthcare, cosmetics, household products like detergents and dish soaps, and more. Since these products are commodities, they lack pricing power. This is similar to the dynamic in oil and gas, where a gallon of unleaded gasoline sold at ExxonMobil is virtually the same as a gallon sold at Chevron. Consumers will largely make a purchase decision based on price, not brand. So Dow must achieve scale and operating leverage to ensure it can produce products at a competitive cost relative to its peers. Economic growth typically coincides with higher commodity chemical demand. But lately, two factors have been working against Dow. Demand is low across several end markets due to higher borrowing costs from elevated interest rates and slowing economic growth in key markets -- namely Europe. Another major challenge is competition. China has been ramping up investments in manufactured goods -- from chemicals to solar panels -- to take market share on the global stage. If China can produce chemicals sold by Dow for a cheaper price, it can undercut Dow on pricing. Dow is also working to become a more sustainable company by investing in plastic waste recycling and the world's first net-zero emissions integrated ethylene cracker -- known as its Path2Zero project in Alberta, Canada. However, on its first-quarter 2025 earnings call, Dow said that it is pausing Path2Zero to reduce its spending. Dow estimates that the pause will save the company $1 billion and reduce enterprise spending to $2.5 billion from $3.5 billion. Dow's latest quarter showed some signs of improvement, as it was the sixth consecutive quarter of year-over-year volume growth. But net sales still fell 3% due to a lack of pricing power -- which illustrates that demand is improving but competition is challenging. Dow's operating margin has gone from pre-pandemic levels around 8%, to 2022 highs in the mid-teens, to just 3.3% currently. As you can see in the chart, Dow's stock price is under pressure due to declining revenue and margins. The company's profit margin, which accounts for interest and taxes, is less than 1%. Dow is converting just $0.69 for every $100 in sales into profit -- which is unsustainable. It's also worth mentioning that Dow is free-cash-flow (FCF) negative, meaning that its operations can't support its dividend expense, so it has to rely on other means, such as debt. Since Dow isn't producing enough cash or earnings to cover its dividend, it can either sell assets, pull back on spending, take on more debt, cut the payout, or a blend of multiple ideas. As mentioned, Dow did pause its Path2Zero project, which could reduce its long-term earnings growth but will save on near-term expenses. On May 1, Dow completed the sale of a 40% equity stake in Diamond Infrastructure Solutions, which has infrastructure assets along the U.S. Gulf Coast. The sale netted Dow with $2.4 billion in initial cash proceeds, with the potential for $600 million more in proceeds if an option is exercised. Dow spent $494 million on dividends in its recent quarter, so the sale alone can cover the dividend expense for roughly five quarters. But selling assets or taking on debt to cover dividends is like plugging holes in a sinking ship. A preferred approach is to get the ship afloat -- or back to higher margins and consistent FCF -- so that operations can cover the dividend, and ideally, still have cash left over to pay down debt or buy back stock. In addition to savings from Path2Zero and the asset sale, Dow is also receiving around $1 billion in proceeds from a court settlement, and $1 billion in targeted cost savings by 2026, including $300 million in 2025. All told, Dow is on track to receive around $6 billion in additional cash or cost savings, most of which is coming this year. It's also worth mentioning that Dow has just $500 million in debt maturing in 2025 and no substantial debt maturities until 2027. So for now, its debt seems manageable. However, if Dow's margins remain depressed, it will have few choices but to cut the dividend. Dow's 10.3% yield is so high that the company could cut the payout by two-thirds and Dow would still yield 3.4% -- which is a solid source of passive income. When asked about the dividend on Dow's first-quarter earnings call, management responded that the cash and cost savings will help support the dividend, but that the situation is evolving and Dow will have to continue monitoring tariffs and macro factors. Dow may be a worthwhile turnaround play for investors who aren't banking on its dividend yield staying above 10%. If the company can use its cash proceeds wisely and continue managing its expenses, it could help weather the storm until economic conditions improve. However, it remains to be seen how Dow will hold up against the competition, even during a more normal operating environment. Dow has a long-term goal to have its dividend make up 45% of operating income. If Dow can get its operating margin back around the 8% to 9% range or if it cuts its dividend in half, it should be around that goal -- assuming it doesn't lose more pricing power. And if Dow can gradually improve its margins, the stock will begin to look dirt cheap. In sum, Dow has the cash and lack of debt obligations to afford its dividend in 2025. Going forward, I expect the company to cut its dividend at least in half or maybe by two-thirds if conditions don't improve, or it may decide to sustain the payout if there's a significant recovery in macro conditions. Risk-tolerant investors may want to scoop up shares of Dow now, with the stock at multiyear lows. In contrast, other investors may want to take a wait-and-see approach to Dow, as the next year will be pivotal in determining whether the company overcomes its present challenges or goes through with a dividend cut. Before you buy stock in Dow, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the for investors to buy now… and Dow wasn't one of them. The 10 stocks that made the cut could produce monster returns in the coming years. 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