Regions Financial Corporation

RF · NYSE · USD

Financials

Annual

StatisticsIncome statementBalance sheetCash flowDividendsSegments

Valuation and market statistics · USD millions unless noted · ratios on the twelve months ending at each period

Line item	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012	FY2011	FY2010	FY2009	FY2008	FY2007	FY2006	FY2005	FY2004	FY2003	FY2002	FY2001	FY2000	FY1999	FY1998	FY1997	FY1996	FY1995	FY1994	FY1993	FY1992	FY1991	FY1990	FY1989	FY1988	FY1987	FY1986	FY1985
Valuation
Market cap	$23,763	$21,376	$18,025	$20,147	$20,782	$15,367	$16,358	$12,755	$16,473	$17,677	$12,533	$14,520	$13,797	$9,847	$4,278	$8,589	$5,232	$5,532	$16,744	$18,763	$15,754	$13,120	–	$6,032	$6,695	$5,958	$5,541	$7,136	$4,632	$2,586	$1,657	$1,176	$1,037	$1,043	$794	$467	$465	$405	$363	$564	$400
Enterprise value	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
P/E (TTM) at period end	11.53×	12.05×	9.12×	9.39×	8.66×	15.51×	10.88×	7.53×	13.74×	16.08×	12.56×	13.26×	13.03×	9.94×	–	–	–	–	13.38×	13.87×	15.75×	15.93×	–	9.73×	13.15×	11.29×	10.55×	16.92×	11.65×	8.14×	8.38×	8.06×	9.26×	10.98×	10.14×	6.77×	7.43×	6.95×	6.46×	10.42×	7.83×
P/S (TTM) at period end	3.16×	3.02×	2.38×	2.79×	3.23×	2.44×	2.79×	2.22×	2.99×	3.27×	2.33×	2.80×	2.57×	1.82×	0.77×	1.46×	0.86×	0.80×	2.31×	3.51×	3.53×	3.48×	–	2.19×	2.75×	3.00×	2.82×	3.97×	2.92×	1.91×	2.04×	2.03×	2.19×	2.41×	2.17×	1.48×	1.69×	–	–	–	–
P/B at period end	1.25×	1.20×	1.03×	1.26×	1.13×	0.85×	1.00×	0.85×	1.02×	1.06×	0.74×	0.86×	0.88×	0.64×	0.26×	0.51×	0.29×	0.33×	0.84×	0.91×	1.48×	1.22×	–	1.44×	1.66×	1.72×	1.81×	2.38×	1.73×	1.62×	1.47×	1.16×	1.22×	1.59×	1.39×	0.89×	0.95×	–	–	–	–
EV / EBITDA (TTM)	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
EV / Sales (TTM)	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Returns
Return on equity	10.8%	9.9%	11.3%	13.5%	13.1%	5.5%	9.2%	11.2%	7.4%	6.6%	5.9%	6.5%	6.8%	6.4%	(2.6%)	(4.6%)	(7.1%)	(33.4%)	6.3%	6.5%	9.4%	7.7%	14.6%	14.8%	12.6%	15.3%	17.1%	14.1%	14.8%	19.9%	17.6%	14.4%	13.2%	14.5%	13.7%	13.1%	12.8%	–	–	–	–
Return on invested capital	0.2%	0.4%	1.0%	0.3%	0.2%	5.4%	6.4%	5.8%	5.4%	5.4%	4.5%	5.4%	5.1%	5.6%	0.6%	(1.5%)	(2.8%)	(13.7%)	3.7%	4.0%	4.8%	3.7%	4.9%	5.3%	4.6%	5.4%	4.8%	6.9%	9.2%	11.2%	9.4%	7.5%	11.9%	19.9%	31.9%	13.2%	27.1%	–	–	–	–
Dividend yield	3.8%	4.2%	4.4%	3.3%	2.9%	3.9%	3.5%	3.5%	2.1%	1.8%	2.4%	1.7%	1.0%	0.5%	1.2%	0.6%	2.0%	12.1%	6.2%	4.8%	4.0%	3.7%	–	4.3%	3.7%	4.0%	4.0%	2.7%	3.2%	4.5%	4.6%	4.3%	3.7%	3.2%	4.0%	6.5%	6.0%	–	–	–	–
Financial health
Current ratio	–	–	–	–	0.42×	–	–	–	–	–	–	–	–	–	–	–	0.31×	0.28×	0.20×	0.21×	0.24×	0.04×	0.06×	0.07×	0.08×	0.04×	0.05×	0.07×	0.06×	0.06×	0.05×	0.06×	0.07×	0.09×	0.09×	0.08×	0.11×	–	–	–	–
Debt / equity	0.26×	0.36×	0.13×	0.14×	0.13×	0.20×	0.61×	0.93×	0.53×	0.47×	0.50×	0.34×	0.45×	0.48×	0.68×	1.02×	1.24×	2.08×	1.13×	0.88×	1.12×	1.23×	2.28×	2.27×	2.19×	2.20×	3.06×	1.69×	1.18×	1.29×	1.34×	1.51×	0.78×	0.59×	0.27×	0.73×	0.49×	–	–	–	–
Effective tax rate	21.4%	19.6%	20.4%	21.9%	21.6%	16.7%	20.3%	19.8%	33.3%	30.6%	29.7%	32.6%	35.3%	29.0%	(17.4%)	44.5%	15.3%	5.9%	31.7%	31.1%	29.1%	29.9%	28.5%	28.7%	29.1%	28.9%	33.1%	33.6%	33.2%	32.9%	32.7%	32.8%	32.3%	32.1%	30.1%	28.3%	25.1%	–	–	–	–
Share count
Diluted shares outstanding	896	918	938	942	963	962	999	1,102	1,198	1,261	1,334	1,387	1,410	1,387	1,258	1,227	989	695	713	507	466	374	225	228	280	274	277	224	139	127	92	95	81	80	72	72	72	72	72	71	67

StatisticsIncome statementBalance sheetCash flowDividendsSegments

Income statement · USD millions

Line item	TTM	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012	FY2011	FY2010	FY2009	FY2008	FY2007	FY2006	FY2005	FY2004	FY2003	FY2002	FY2001	FY2000	FY1999	FY1998	FY1997	FY1996	FY1995	FY1994	FY1993	FY1992	FY1991	FY1990	FY1989	FY1988	FY1987	FY1986	FY1985
Revenue and gross profit
Revenue	$7,674	$7,526	$7,083	$7,576	$7,215	$6,438	$6,287	$5,861	$5,754	$5,501	$5,409	$5,378	$5,183	$5,359	$5,400	$5,553	$5,878	$6,058	$6,916	$7,254	$5,338	$4,468	$3,775	$2,873	$2,756	$2,430	$1,986	$1,963	$1,800	$1,586	$1,357	$812	$579	$474	$432	$366	$315	$275	–	–	–	–
Cost of revenue	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Gross profit	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Operating expenses
Research and development	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Selling, general and administrative	($1,427)	($709)	($684)	($701)	($692)	($668)	($661)	($646)	($660)	($665)	($654)	($664)	($655)	($645)	($643)	($663)	($688)	($1,862)	($2,468)	($2,617)	($1,930)	($1,752)	($1,509)	($1,122)	($1,027)	($880)	($589)	($552)	($528)	($481)	($414)	($261)	($179)	($155)	($138)	($119)	($102)	($93)	–	–	–	–
Total operating expenses	($4,405)	($4,313)	($4,242)	($4,416)	($4,068)	($3,747)	($3,643)	($3,489)	($3,570)	($3,491)	($3,483)	($3,635)	($3,432)	($3,556)	($3,526)	($3,862)	($3,859)	($3,710)	($10,769)	($4,653)	($3,204)	($2,943)	($2,471)	($1,840)	($1,760)	($1,547)	($1,117)	($1,064)	($1,104)	($902)	($837)	($488)	($343)	($287)	($265)	($230)	($194)	($176)	($58)	($56)	($54)	($51)
Total costs and expenses	($4,747)	($7,473)	($6,988)	($7,364)	($7,159)	($6,392)	($4,973)	($3,876)	($3,799)	($3,641)	($3,642)	($3,848)	($3,501)	($3,694)	($3,739)	($5,392)	($6,722)	($7,326)	($12,849)	($5,215)	($3,346)	($3,110)	($2,600)	($1,962)	($1,887)	($1,712)	($1,244)	($1,178)	($1,164)	($992)	($883)	($518)	($362)	($309)	($292)	($254)	($219)	($191)	–	–	–	–
Operating income	$2,927	$53	$95	$212	$56	$46	$1,314	$1,985	$1,955	$1,860	$1,767	$1,530	$1,682	$1,665	$1,661	$161	($844)	($1,268)	($5,933)	$2,039	$1,992	$1,359	$1,176	$912	$869	$718	$742	$785	$635	$595	$474	$294	$217	$166	$140	$112	$96	$84	$58	$56	$54	$51
Earnings
EBITDA	–	$137	$239	$448	$409	$417	$1,735	$2,411	$2,417	$2,397	$2,341	$2,053	$2,205	$2,310	$2,378	$844	($112)	($984)	($5,562)	$2,309	$2,152	$1,438	$1,280	$1,092	$1,044	$897	$880	$916	$773	$663	$526	$329	$258	$198	$168	$126	$109	$96	–	–	–	–
Interest income	$7,002	$7,073	$7,108	$6,897	$5,102	$4,081	$4,262	$4,596	$4,337	$3,987	$3,814	$3,603	$3,589	$3,647	$3,903	$4,252	$4,637	$5,277	$6,563	$8,074	$5,649	$4,271	$2,956	$2,219	$2,537	$3,056	$3,234	$2,855	$2,598	$2,277	$1,954	$1,260	$786	$556	$537	$557	$520	$496	–	–	–	–
Interest expense	($1,898)	($2,082)	($2,290)	($1,577)	($316)	($167)	($368)	($851)	($602)	($373)	($313)	($268)	($309)	($384)	($603)	($842)	($1,248)	($1,984)	($2,720)	($3,676)	($2,341)	($1,490)	($843)	($745)	($1,039)	($1,630)	($1,845)	($1,429)	($1,273)	($1,097)	($942)	($635)	($350)	($214)	($224)	($292)	($298)	($293)	–	–	–	–
Pre-tax income	$2,927	$2,743	$2,354	$2,607	$2,876	$3,215	$1,314	$1,985	$1,955	$1,860	$1,664	$1,530	$1,682	$1,587	$1,661	$161	($844)	($1,268)	($5,933)	$2,039	$1,992	$1,359	$1,176	$912	$869	$718	$742	$785	$635	$595	$474	$294	$217	$166	$140	$112	$96	$84	–	–	–	–
Income tax expense	($633)	($587)	($461)	($533)	($631)	($694)	($220)	($403)	($387)	($619)	($510)	($455)	($548)	($561)	($482)	$28	$376	$194	$348	($646)	($619)	($396)	($352)	($260)	($249)	($209)	($214)	($260)	($214)	($197)	($156)	($96)	($71)	($54)	($45)	($34)	($27)	($21)	$58	$56	$54	$51
Net income	$2,294	$2,156	$1,893	$2,074	$2,245	$2,521	$1,094	$1,582	$1,759	$1,263	$1,163	$1,062	$1,147	$1,091	$1,120	($215)	($539)	($1,031)	($5,596)	$1,251	$1,353	$1,001	$824	$652	$620	$509	$528	$525	$422	$398	$318	$198	$146	$112	$95	$78	$69	$63	$58	$56	$54	$51
Per share
Diluted EPS (GAAP)	$2.55	$2.30	$1.93	$2.11	$2.28	$2.49	$1.03	$1.50	$1.54	$1.00	$0.87	$0.75	$0.79	$0.75	$0.71	($0.34)	($0.62)	($1.27)	($8.09)	$1.76	$2.67	$2.15	$2.19	$2.90	$2.72	$1.82	$1.92	$1.90	$1.88	$1.86	$1.61	$1.58	$1.53	$1.38	$1.19	$1.08	$0.96	$0.87	$0.81	$0.78	$0.76	$0.76
Basic EPS (GAAP)	$2.58	$2.31	$1.94	$2.11	$2.29	$2.51	$1.03	$1.51	$1.55	$1.01	$0.87	$0.75	$0.80	$0.76	$0.72	($0.34)	($0.62)	($1.27)	($8.09)	$1.77	$2.70	$2.17	$2.22	$2.93	$2.76	$1.83	$1.94	$1.92	$1.92	$1.89	$1.64	$1.60	$1.55	$1.41	$1.21	$1.08	$0.96	$0.87	$0.81	$0.78	$0.76	$0.76
Basic shares outstanding	861	892	916	936	935	956	959	995	1,092	1,186	1,255	1,325	1,375	1,395	1,381	1,258	1,227	989	695	708	502	461	369	222	224	277	273	274	220	136	124	92	94	79	79	72	72	72	72	72	71	67
Margins
Gross margin	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Operating margin	38.1%	0.7%	1.3%	2.8%	0.8%	0.7%	20.9%	33.9%	34.0%	33.8%	32.7%	28.4%	32.5%	31.1%	30.8%	2.9%	(14.4%)	(20.9%)	(85.8%)	28.1%	37.3%	30.4%	31.1%	31.7%	31.5%	29.5%	37.3%	40.0%	35.3%	37.5%	34.9%	36.2%	37.5%	34.9%	32.4%	30.6%	30.5%	30.4%	–	–	–	–
Net margin	29.9%	28.6%	26.7%	27.4%	31.1%	39.2%	17.4%	27.0%	30.6%	23.0%	21.5%	19.7%	22.1%	20.4%	20.7%	(3.9%)	(9.2%)	(17.0%)	(80.9%)	17.2%	25.3%	22.4%	21.8%	22.7%	22.5%	20.9%	26.6%	26.8%	23.4%	25.1%	23.4%	24.4%	25.2%	23.6%	22.0%	21.4%	21.9%	22.8%	–	–	–	–

Analyst consensus

Hold52 analysts

Bearish · 4 · Hold · 27 · Bullish · 21

Earnings history

	EPS	Estimate
Q4 2024	$0.59	$0.55	Beat
Q1 2025	$0.54	$0.51	Beat
Q2 2025	$0.60	$0.56	Beat
Q3 2025	$0.63	$0.60	Beat
Q4 2025	$0.57	$0.61	Miss
Q1 2026	$0.62	$0.60	Beat
Q2 2026	$0.68	$0.63	Beat
Q3 2026	$0.73	$0.67	Beat

Peers

Company overview

IPO dateMar 17, 1980

CEOJohn Turner Jr.

Employees19,969

SectorFinancial Services

IndustryBanks - Regional

CountryUS

ExchangeNew York Stock Exchange

Websitewww.regions.com

Regions Financial Corporation (RF) operates as a financial holding company, delivering a comprehensive array of banking and related services to both individual consumers and corporate entities. The firm's operations are strategically divided into three principal divisions: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment specializes in commercial banking solutions. Its extensive offerings include various lending options such as commercial and industrial loans, commercial real estate financing, and investor real estate credit. Furthermore, it provides equipment lease financing, manages diverse deposit products, and offers sophisticated capital markets services like securities underwriting and placement, loan syndication, foreign exchange, derivatives, and merger and acquisition advisory, along with other consulting services. This segment primarily serves corporate clients, middle-market businesses, and developers and investors in commercial real estate. Focusing on individual customers, the Consumer Bank segment delivers a range of personal financial products. These include residential first mortgages, home equity lines of credit and loans, consumer credit cards, and other personal lending facilities, in addition to deposit accounts. The Wealth Management division offers extensive financial planning and asset management services. Its provisions encompass credit-related products, retirement and savings solutions, trust and investment management, and estate planning expertise. Its diverse clientele includes individuals, businesses, governmental organizations, and non-profit entities. Beyond these core banking functions, Regions Financial Corporation also provides investment and insurance products, facilitates the syndication of corporate funds for low-income housing tax credits, and engages in various other specialized financing activities. As of March 1, 2022, the company maintained a significant physical presence, operating through a network of 1,300 banking branches and approximately 2,000 automated teller machines across the Southern, Midwestern, and Texas regions of the United States. Regions Financial Corporation was established in 1971 and its corporate headquarters are located in Birmingham, Alabama.

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