Regions Financial (RF) Financials

$21.42 -0.15 (-0.70%)

Closing price 03:59 PM Eastern

Extended Trading

$21.43 +0.01 (+0.05%)

As of 07:26 PM Eastern

Annual Income Statements for Regions Financial

This table shows Regions Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	1,893	2,074	2,245	2,400	991	1,582	-260	1,263	1,163	998
Consolidated Net Income / (Loss)	1,893	2,074	2,245	2,521	1,094	1,582	-260	1,263	1,163	3,133
Net Income / (Loss) Continuing Operations	1,893	2,074	2,245	2,521	1,094	1,582	-451	1,241	1,154	3,146
Total Pre-Tax Income	2,354	2,607	2,876	3,215	1,314	1,985	-64	1,860	1,664	3,601
Total Revenue	7,083	7,576	7,215	6,438	6,287	5,861	3,735	5,501	5,409	7,449
Net Interest Income / (Expense)	4,818	5,320	4,786	3,914	3,894	3,745	3,735	3,539	3,398	3,307
Total Interest Income	7,108	6,897	5,102	4,081	4,262	4,596	4,337	3,987	3,814	3,603
Loans and Leases Interest Income	5,771	5,773	4,124	3,489	3,638	3,883	3,628	3,338	3,207	2,991
Investment Securities Interest Income	925	749	688	533	582	643	625	596	563	564
Other Interest Income	412	375	290	59	42	70	84	53	44	43
Total Interest Expense	2,290	1,577	316	167	368	851	602	448	416	268
Deposits Interest Expense	1,971	1,255	197	64	180	447	250	156	117	109
Short-Term Borrowings Interest Expense	40	96	0.00	0.00	10	53	30	5.00	0.00	1.00
Long-Term Debt Interest Expense	279	226	119	103	178	351	322	212	196	158
Total Non-Interest Income	2,265	2,256	2,429	2,524	2,393	2,116	0.00	1,962	2,011	4,142
Other Non-Interest Income	2,265	2,256	2,429	3.00	2,393	2,116	-	1,962	2,011	2,071
Provision for Credit Losses	487	553	271	-524	1,330	387	229	150	262	241
Total Non-Interest Expense	4,242	4,416	4,068	3,747	3,643	3,489	3,570	3,491	3,483	3,607
Salaries and Employee Benefits	2,529	2,416	2,318	2,205	2,100	1,916	1,947	1,874	1,842	1,883
Net Occupancy & Equipment Expense	684	701	692	668	661	646	660	665	654	664
Other Operating Expenses	1,029	1,299	1,058	874	882	927	963	952	987	1,060
Income Tax Expense	461	533	631	694	220	403	387	619	510	455
Basic Earnings per Share	$1.94	$2.11	$2.29	$2.51	$1.03	$1.51	$1.55	$1.01	$0.87	$0.75
Weighted Average Basic Shares Outstanding	916M	936M	935M	956M	959M	995M	1.09B	1.19B	1.26B	1.33B
Diluted Earnings per Share	$1.93	$2.11	$2.28	$2.49	$1.03	$1.50	$1.54	$1.00	$0.87	$0.75
Weighted Average Diluted Shares Outstanding	918M	938M	942M	963M	962M	999M	1.10B	1.20B	1.26B	1.33B
Weighted Average Basic & Diluted Shares Outstanding	905.47M	918.86M	934.56M	937.15M	960.67M	957.38M	-167.70M	-692.10M	1.26B	1.33B
Cash Dividends to Common per Share	$0.98	$0.88	$0.74	$0.65	$0.62	$0.59	$0.46	$0.32	$0.26	$0.23

This table shows Regions Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	465	558	490	477	368	440	490	556	588	735	404
Consolidated Net Income / (Loss)	490	534	490	501	368	391	490	581	612	685	429
Net Income / (Loss) Continuing Operations	490	534	490	501	368	391	490	581	612	685	429
Total Pre-Tax Income	621	657	608	625	464	471	619	728	789	872	562
Total Revenue	1,784	1,815	1,790	1,731	1,747	1,811	1,857	1,957	1,951	2,001	1,867
Net Interest Income / (Expense)	1,194	1,230	1,218	1,186	1,184	1,231	1,291	1,381	1,417	1,401	1,262
Total Interest Income	1,725	1,802	1,820	1,762	1,724	1,751	1,766	1,739	1,641	1,552	1,343
Loans and Leases Interest Income	1,350	1,427	1,474	1,441	1,429	1,466	1,476	1,464	1,367	1,217	1,080
Investment Securities Interest Income	266	256	241	219	209	192	185	185	187	222	171
Other Interest Income	109	119	105	102	86	93	105	90	87	113	92
Total Interest Expense	531	572	602	576	540	520	475	358	224	151	81
Deposits Interest Expense	442	467	507	502	495	449	367	260	179	114	50
Short-Term Borrowings Interest Expense	4.00	16	10	13	1.00	10	39	42	5.00	-	0.00
Long-Term Debt Interest Expense	85	89	85	61	44	61	69	56	40	37	31
Total Non-Interest Income	590	585	572	545	563	580	566	576	534	600	605
Other Non-Interest Income	590	1,180	572	-50	563	1,692	566	0.00	-2.00	1,846	-1.00
Provision for Credit Losses	124	120	113	102	152	155	145	118	135	112	135
Total Non-Interest Expense	1,039	1,038	1,069	1,004	1,131	1,185	1,093	1,111	1,027	1,017	1,170
Salaries and Employee Benefits	625	617	645	609	658	608	589	603	616	604	593
Net Occupancy & Equipment Expense	169	171	170	168	175	173	179	174	175	176	174
Other Operating Expenses	245	250	254	227	298	404	325	334	236	237	403
Income Tax Expense	131	123	118	124	96	80	129	147	177	187	133
Basic Earnings per Share	$0.51	$0.56	$0.49	$0.52	$0.37	$0.40	$0.49	$0.59	$0.63	$0.70	$0.43
Weighted Average Basic Shares Outstanding	906M	916M	914M	917M	921M	936M	939M	939M	935M	935M	934M
Diluted Earnings per Share	$0.51	$0.55	$0.49	$0.52	$0.37	$0.41	$0.49	$0.59	$0.62	$0.71	$0.43
Weighted Average Diluted Shares Outstanding	910M	918M	918M	918M	923M	938M	940M	939M	942M	942M	940M
Weighted Average Basic & Diluted Shares Outstanding	898.93M	905.47M	908.86M	915.12M	915.83M	918.86M	930.06M	938.38M	938.31M	934.56M	934.45M
Cash Dividends to Common per Share	$0.25	-	$0.25	$0.24	$0.24	-	$0.24	$0.20	$0.20	-	$0.20

This table details how cash moves in and out of Regions Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	3,911	-4,426	-18,184	11,455	13,842	576	119	-1,470	137	1,310
Net Cash From Operating Activities	1,598	2,308	3,102	3,030	2,324	2,581	2,275	2,297	2,037	1,599
Net Cash From Continuing Operating Activities	1,598	2,308	3,102	3,030	2,324	2,581	2,837	2,297	2,037	1,599
Net Income / (Loss) Continuing Operations	1,893	2,074	2,245	2,521	1,094	1,582	1,759	1,263	1,163	1,062
Consolidated Net Income / (Loss)	1,893	2,074	2,245	2,521	1,094	1,582	1,759	1,263	1,163	1,062
Provision For Loan Losses	487	553	271	-524	1,330	387	229	150	262	241
Depreciation Expense	144	236	353	371	421	426	462	537	574	523
Non-Cash Adjustments to Reconcile Net Income	-31	-100	562	725	-992	-317	-255	342	-172	122
Changes in Operating Assets and Liabilities, net	-895	-455	-329	-63	471	503	80	5.00	210	-349
Net Cash From Investing Activities	-262	-1,607	-12,941	-2,865	-4,853	509	-3,045	-801	-700	-6,124
Net Cash From Continuing Investing Activities	-262	-1,607	-12,941	-2,865	-4,853	509	-3,045	-801	-700	-6,124
Purchase of Investment Securities	859	-2,529	-11,583	2.00	-1,206	-912	-7,369	-5,412	-7,469	-13,457
Sale and/or Maturity of Investments	8,491	3,532	7,633	6,675	5,690	9,523	4,118	4,611	6,769	7,333
Other Investing Activities, net	-9,612	-2,610	-8,991	-8,360	-8,956	-8,102	-	-	-	-
Net Cash From Financing Activities	2,575	-5,127	-8,345	11,290	16,371	-2,514	327	-2,966	-1,200	5,835
Net Cash From Continuing Financing Activities	2,575	-5,127	-8,345	11,290	16,371	-2,514	327	-2,966	-1,200	5,835
Net Change in Deposits	-185	-3,955	-7,329	13,836	25,004	2,984	-2,398	-2,146	605	4,230
Issuance of Debt	3,740	2,000	0.00	647	4,698	21,274	22,850	7,149	3,357	3,753
Issuance of Preferred Equity	489	0.00	0.00	390	346	490	0.00	0.00	-	-
Repayment of Debt	400	-2,000	0.00	-1,881	-12,968	-25,476	-17,452	-6,255	-3,926	-1,142
Repurchase of Preferred Equity	-500	0.00	0.00	-500	0.00	0.00	-	-	-	-
Repurchase of Common Equity	-348	-252	-230	-467	0.00	-1,101	-2,122	-1,275	-839	-623
Payment of Dividends	-994	-885	-762	-716	-698	-656	-516	-410	-381	-368
Other Financing Activities, Net	-27	-35	-24	-19	-11	-29	-35	-29	-16	-15

This table details how cash moves in and out of Regions Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	3,604	191	2,042	-2,771	4,449	-2,215	-870	1,053	-2,394	-4,439	-4,834
Net Cash From Operating Activities	1,066	-220	1,261	161	396	855	860	397	196	1,276	321
Net Cash From Continuing Operating Activities	1,066	-220	1,261	161	396	855	860	401	192	1,278	319
Net Income / (Loss) Continuing Operations	490	534	490	501	368	391	490	581	612	685	429
Consolidated Net Income / (Loss)	490	534	490	501	368	391	490	581	612	685	429
Provision For Loan Losses	124	120	113	102	152	155	145	118	135	112	135
Depreciation Expense	22	21	34	41	48	53	59	61	63	69	83
Non-Cash Adjustments to Reconcile Net Income	297	-70	114	-97	22	24	82	8.00	-214	362	-139
Changes in Operating Assets and Liabilities, net	133	-825	510	-386	-194	232	84	-367	-404	50	-189
Net Cash From Investing Activities	166	498	-498	-1,471	1,209	-156	243	-598	-1,096	-1,869	-2,085
Net Cash From Continuing Investing Activities	166	498	-498	-1,471	1,209	-156	243	-598	-1,096	-1,869	-2,085
Purchase of Investment Securities	750	-170	500	-780	1,309	91	-54	-1,321	-1,245	-2,459	-2,675
Sale and/or Maturity of Investments	1,491	2,206	2,559	1,749	1,977	1,017	852	852	811	1,111	2,271
Other Investing Activities, net	-2,075	-1,538	-3,557	-2,440	-2,077	-1,264	-555	-129	-662	-521	-1,681
Net Cash From Financing Activities	2,372	-87	1,279	-1,461	2,844	-2,914	-1,973	1,254	-1,494	-3,846	-3,070
Net Cash From Continuing Financing Activities	2,372	-87	1,279	-1,461	2,844	-2,914	-1,973	1,254	-1,494	-3,846	-3,070
Net Change in Deposits	3,368	1,227	-240	-2,366	1,194	1,589	-760	-1,501	-3,283	-3,635	-2,885
Issuance of Debt	0.00	-	994	1,746	1,000	-	-	2,000	0.00	-	-
Repayment of Debt	-500	-1,000	887	-487	1,000	-4,000	-1,000	1,000	2,000	-	-
Repurchase of Common Equity	-242	-58	-101	-87	-102	-252	-	-	0.00	-	-
Payment of Dividends	-252	-254	-249	-244	-247	-250	-212	-212	-211	-210	-184
Other Financing Activities, Net	-2.00	-2.00	-1.00	-23	-1.00	-1.00	-1.00	-33	0.00	-1.00	-1.00

This table presents Regions Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	157,302	152,194	155,220	162,938	147,389	126,240	125,688	124,294	125,968	126,050
Cash and Due from Banks	2,893	2,635	1,997	1,350	1,558	1,598	2,018	2,012	1,853	1,382
Interest Bearing Deposits at Other Banks	7,819	4,166	9,230	28,061	16,398	2,516	1,520	1,899	3,583	3,932
Trading Account Securities	31,245	29,258	29,088	30,383	30,181	24,575	24,515	25,409	25,985	25,247
Loans and Leases, Net of Allowance	95,114	96,803	95,545	86,305	83,099	82,094	82,312	79,013	79,004	80,056
Loans and Leases	96,727	98,379	97,009	87,784	85,266	82,963	83,152	79,947	80,095	81,162
Allowance for Loan and Lease Losses	1,613	1,576	1,464	1,479	2,167	869	840	934	1,091	1,106
Premises and Equipment, Net	1,673	1,642	1,718	1,814	1,897	1,960	2,045	2,064	2,096	2,152
Goodwill	5,733	5,733	5,733	5,744	5,190	4,845	4,829	4,904	4,904	4,878
Intangible Assets	169	205	249	305	122	105	115	177	221	259
Other Assets	12,656	11,752	11,660	8,976	8,944	8,547	8,334	8,746	8,307	8,144
Total Liabilities & Shareholders' Equity	157,302	152,194	155,220	162,938	147,389	126,240	125,688	124,294	125,968	126,050
Total Liabilities	139,392	134,701	139,269	144,612	129,278	109,945	110,598	108,102	109,304	109,206
Non-Interest Bearing Deposits	39,138	42,368	51,348	58,369	51,289	34,113	35,053	36,127	36,046	34,862
Interest Bearing Deposits	88,465	85,420	80,395	80,703	71,190	63,362	59,438	60,762	62,989	63,568
Short-Term Debt	500	0.00	-	-	-	2,050	1,600	500	0.00	10
Long-Term Debt	5,993	2,330	2,284	2,407	3,569	7,879	12,424	8,132	7,763	8,349
Other Long-Term Liabilities	5,296	4,583	5,242	3,133	3,230	2,541	2,083	2,581	2,506	2,417
Total Equity & Noncontrolling Interests	17,910	17,493	15,951	18,326	18,111	16,295	15,090	16,192	16,664	16,844
Total Preferred & Common Equity	17,879	17,429	15,947	18,326	18,111	16,295	15,090	16,192	16,664	16,844
Preferred Stock	1,715	1,659	1,659	1,659	1,656	1,310	820	820	820	820
Total Common Equity	16,164	15,770	14,288	16,667	16,455	14,985	14,270	15,372	15,844	16,024
Common Stock	11,403	11,767	11,998	12,199	12,741	12,695	13,777	15,870	17,105	17,896
Retained Earnings	9,060	8,186	7,004	5,550	3,770	3,751	2,828	1,628	666	-115
Treasury Stock	-1,371	-1,371	-1,371	-1,371	-1,371	-1,371	-1,371	-1,377	-1,377	-1,377
Accumulated Other Comprehensive Income / (Loss)	-2,928	-2,812	-3,343	289	1,315	-90	-964	-749	-550	-380
Noncontrolling Interest	31	64	4.00	0.00	-	-	-	-	-	-

This table presents Regions Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Total Assets	159,846	157,302	157,426	154,052	154,909	152,194	153,624	155,656	154,135	155,220	157,798
Cash and Due from Banks	3,287	2,893	2,665	2,955	2,527	2,635	1,554	2,480	2,395	1,997	2,117
Interest Bearing Deposits at Other Banks	11,029	7,819	7,856	5,524	8,723	4,166	7,462	7,406	6,438	9,230	13,549
Trading Account Securities	31,482	31,245	32,007	29,822	29,041	29,258	27,450	28,627	29,584	29,088	29,663
Loans and Leases, Net of Allowance	94,120	95,114	95,182	95,887	95,245	96,803	97,395	97,678	96,585	95,545	93,293
Loans and Leases	95,733	96,727	96,789	97,508	96,862	98,379	98,942	99,191	98,057	97,009	94,711
Allowance for Loan and Lease Losses	1,613	1,613	1,607	1,621	1,617	1,576	1,547	1,513	1,472	1,464	1,418
Premises and Equipment, Net	1,726	1,673	1,648	1,630	1,635	1,642	1,616	1,622	1,705	1,718	1,744
Goodwill	5,733	5,733	5,733	5,733	5,733	5,733	5,733	5,733	5,733	5,733	5,739
Intangible Assets	161	169	178	187	196	205	216	226	238	249	266
Other Assets	12,308	12,656	12,157	12,314	11,809	11,752	12,198	11,884	11,457	11,660	11,427
Total Liabilities & Shareholders' Equity	159,846	157,302	157,426	154,052	154,909	152,194	153,624	155,656	154,135	155,220	157,798
Total Liabilities	141,279	139,392	138,699	136,850	137,831	134,701	137,499	138,995	137,233	139,269	142,625
Non-Interest Bearing Deposits	40,443	39,138	39,698	40,927	41,824	42,368	44,640	46,898	49,647	51,348	54,996
Interest Bearing Deposits	90,528	88,465	86,678	85,689	87,158	85,420	81,559	80,061	78,813	80,395	80,382
Short-Term Debt	0.00	500	1,500	513	1,000	0.00	2,000	3,000	2,000	-	-
Long-Term Debt	6,019	5,993	6,016	5,083	3,327	2,330	4,290	4,293	2,307	2,284	2,274
Other Long-Term Liabilities	4,289	5,296	4,807	4,638	4,522	4,583	5,010	4,743	4,466	5,242	4,973
Total Equity & Noncontrolling Interests	18,567	17,910	18,727	17,202	17,078	17,493	16,125	16,661	16,902	15,951	15,173
Total Preferred & Common Equity	18,530	17,879	18,676	17,169	17,044	17,429	16,100	16,639	16,883	15,947	15,173
Preferred Stock	1,715	1,715	1,715	1,659	1,659	1,659	1,659	1,659	1,659	1,659	1,659
Total Common Equity	16,815	16,164	16,961	15,510	15,385	15,770	14,441	14,980	15,265	14,288	13,514
Common Stock	11,170	11,403	11,448	11,585	11,676	11,767	12,006	11,989	12,006	11,998	11,986
Retained Earnings	9,299	9,060	8,778	8,561	8,304	8,186	8,042	7,802	7,433	7,004	6,531
Treasury Stock	-1,371	-1,371	-1,371	-1,371	-1,371	-1,371	-1,371	-1,371	-1,330	-1,371	-1,371
Accumulated Other Comprehensive Income / (Loss)	-2,283	-2,928	-1,894	-3,265	-3,224	-2,812	-4,236	-3,440	-2,844	-3,343	-3,632
Noncontrolling Interest	37	31	51	33	34	64	25	22	19	4.00	-

This table displays calculated financial ratios and metrics derived from Regions Financial's official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-6.51%	5.00%	12.07%	2.40%	7.27%	56.92%	-32.10%	1.70%	-27.39%	5.12%
EBITDA Growth	-12.14%	-11.95%	-9.96%	106.69%	-28.04%	505.78%	-83.40%	7.10%	-45.73%	0.39%
EBIT Growth	-9.70%	-9.35%	-10.54%	144.67%	-33.80%	3,201.56%	-103.44%	11.78%	-53.79%	0.45%
NOPAT Growth	-8.73%	-7.62%	-10.95%	130.44%	-30.85%	3,631.25%	-103.61%	7.54%	-63.32%	3.59%
Net Income Growth	-8.73%	-7.62%	-10.95%	130.44%	-30.85%	708.46%	-120.59%	8.60%	-62.88%	2.72%
EPS Growth	-8.53%	-7.46%	-8.43%	141.75%	-31.33%	-2.60%	54.00%	14.94%	16.00%	-5.06%
Operating Cash Flow Growth	-30.76%	-25.60%	2.38%	30.38%	-9.96%	13.45%	-0.96%	12.76%	27.39%	-24.11%
Free Cash Flow Firm Growth	-652.88%	-89.75%	36.76%	-38.49%	26.07%	203.17%	-613.60%	-56.27%	257.94%	-143.64%
Invested Capital Growth	23.10%	8.71%	-12.05%	-4.37%	-17.33%	-9.93%	17.28%	1.63%	-3.08%	20.96%
Revenue Q/Q Growth	0.06%	-2.45%	5.36%	-7.70%	21.46%	12.65%	-15.02%	-13.76%	-25.73%	23.66%
EBITDA Q/Q Growth	6.57%	-12.79%	11.08%	0.22%	-16.91%	31.89%	-64.53%	-28.66%	-43.67%	55.21%
EBIT Q/Q Growth	8.58%	-13.33%	13.01%	-0.28%	-19.04%	41.79%	-110.00%	-33.60%	-51.19%	68.19%
NOPAT Q/Q Growth	8.17%	-12.42%	12.36%	-10.32%	226.57%	56.63%	-133.19%	-44.97%	-60.33%	84.19%
Net Income Q/Q Growth	8.17%	-12.42%	12.36%	-10.32%	226.57%	31.72%	-264.56%	-33.21%	-64.41%	83.43%
EPS Q/Q Growth	7.82%	-12.45%	13.43%	-6.74%	32.05%	0.00%	6.94%	4.17%	2.35%	10.29%
Operating Cash Flow Q/Q Growth	-40.22%	-15.43%	19.91%	33.60%	-17.65%	-16.42%	45.46%	0.44%	4.89%	-20.05%
Free Cash Flow Firm Q/Q Growth	-29.31%	118.69%	-15.68%	-23.95%	75.04%	-0.60%	24.44%	-64.05%	-49.29%	-573.64%
Invested Capital Q/Q Growth	-7.01%	-11.56%	4.52%	-1.62%	-5.01%	2.00%	-0.29%	6.42%	4.30%	3.65%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	35.27%	37.53%	44.75%	55.70%	27.60%	41.14%	10.66%	43.57%	41.38%	55.36%
EBIT Margin	33.23%	34.41%	39.86%	49.94%	20.90%	33.87%	-1.71%	33.81%	30.76%	48.34%
Profit (Net Income) Margin	26.73%	27.38%	31.12%	39.16%	17.40%	26.99%	-6.96%	22.96%	21.50%	42.06%
Tax Burden Percent	80.42%	79.56%	78.06%	78.41%	83.26%	79.70%	406.25%	67.90%	69.89%	87.00%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.58%	20.45%	21.94%	21.59%	16.74%	20.30%	0.00%	33.28%	30.65%	12.64%
Return on Invested Capital (ROIC)	8.56%	10.90%	11.52%	11.89%	4.57%	5.72%	-0.17%	5.04%	4.65%	13.67%
ROIC Less NNEP Spread (ROIC-NNEP)	8.56%	10.90%	11.52%	11.89%	4.57%	5.72%	-2.07%	5.31%	4.76%	13.46%
Return on Net Nonoperating Assets (RNNOA)	2.13%	1.50%	1.58%	1.95%	1.79%	4.36%	-1.50%	2.65%	2.29%	4.92%
Return on Equity (ROE)	10.69%	12.40%	13.10%	13.84%	6.36%	10.08%	-1.66%	7.69%	6.94%	18.58%
Cash Return on Invested Capital (CROIC)	-12.15%	2.55%	24.34%	16.35%	23.54%	16.16%	-16.07%	3.43%	7.78%	-5.31%
Operating Return on Assets (OROA)	1.52%	1.70%	1.81%	2.07%	0.96%	1.58%	-0.05%	1.49%	1.32%	2.93%
Return on Assets (ROA)	1.22%	1.35%	1.41%	1.62%	0.80%	1.26%	-0.21%	1.01%	0.92%	2.55%
Return on Common Equity (ROCE)	9.65%	11.15%	11.83%	12.58%	5.81%	9.40%	-1.58%	7.30%	6.60%	17.64%
Return on Equity Simple (ROE_SIMPLE)	10.59%	11.90%	14.08%	13.76%	6.04%	9.71%	-1.72%	7.80%	6.98%	18.60%
Net Operating Profit after Tax (NOPAT)	1,893	2,074	2,245	2,521	1,094	1,582	-45	1,241	1,154	3,146
NOPAT Margin	26.73%	27.38%	31.12%	39.16%	17.40%	26.99%	-1.20%	22.56%	21.33%	42.23%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.90%	-0.27%	-0.11%	0.21%
SG&A Expenses to Revenue	45.36%	41.14%	41.72%	44.63%	43.92%	43.71%	69.80%	46.16%	46.15%	34.19%
Operating Expenses to Revenue	59.89%	58.29%	56.38%	58.20%	57.95%	59.53%	95.58%	63.46%	64.39%	48.42%
Earnings before Interest and Taxes (EBIT)	2,354	2,607	2,876	3,215	1,314	1,985	-64	1,860	1,664	3,601
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	2,498	2,843	3,229	3,586	1,735	2,411	398	2,397	2,238	4,124
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.32	1.09	1.28	1.12	0.82	0.92	0.78	1.02	0.85	0.58
Price to Tangible Book Value (P/TBV)	2.08	1.75	2.21	1.76	1.21	1.37	1.19	1.52	1.26	0.86
Price to Revenue (P/Rev)	3.02	2.27	2.54	2.90	2.15	2.35	2.96	2.84	2.50	1.25
Price to Earnings (P/E)	11.29	8.30	8.17	7.78	13.61	8.70	0.00	12.38	11.60	9.35
Dividend Yield	4.17%	4.75%	3.77%	3.32%	4.41%	4.13%	4.30%	2.34%	2.33%	3.22%
Earnings Yield	8.86%	12.04%	12.23%	12.86%	7.35%	11.49%	0.00%	8.08%	8.62%	10.70%
Enterprise Value to Invested Capital (EV/IC)	0.77	0.73	0.61	0.00	0.03	0.80	0.77	0.85	0.68	0.52
Enterprise Value to Revenue (EV/Rev)	2.67	1.91	1.53	0.00	0.12	3.57	5.99	3.84	3.07	1.77
Enterprise Value to EBITDA (EV/EBITDA)	7.57	5.09	3.43	0.00	0.44	8.67	56.21	8.81	7.43	3.20
Enterprise Value to EBIT (EV/EBIT)	8.03	5.55	3.85	0.00	0.58	10.53	0.00	11.35	9.99	3.66
Enterprise Value to NOPAT (EV/NOPAT)	9.99	6.98	4.93	0.00	0.69	13.21	0.00	17.01	14.41	4.19
Enterprise Value to Operating Cash Flow (EV/OCF)	11.83	6.27	3.57	0.00	0.33	8.10	9.83	9.19	8.16	8.25
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	29.79	2.33	0.00	0.13	4.67	0.00	25.01	8.62	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.36	0.13	0.14	0.13	0.20	0.61	0.93	0.53	0.47	0.50
Long-Term Debt to Equity	0.33	0.13	0.14	0.13	0.20	0.48	0.82	0.50	0.47	0.50
Financial Leverage	0.25	0.14	0.14	0.16	0.39	0.76	0.72	0.50	0.48	0.37
Leverage Ratio	8.74	9.19	9.28	8.52	7.95	8.03	7.99	7.62	7.52	7.28
Compound Leverage Factor	8.74	9.19	9.28	8.52	7.95	8.03	7.99	7.62	7.52	7.28
Debt to Total Capital	26.61%	11.75%	12.53%	11.61%	16.46%	37.86%	48.17%	34.77%	31.78%	33.17%
Short-Term Debt to Total Capital	2.05%	0.00%	0.00%	0.00%	0.00%	7.82%	5.50%	2.01%	0.00%	0.04%
Long-Term Debt to Total Capital	24.56%	11.75%	12.53%	11.61%	16.46%	30.05%	42.67%	32.76%	31.78%	33.13%
Preferred Equity to Total Capital	7.03%	8.37%	9.10%	8.00%	7.64%	5.00%	2.82%	3.30%	3.36%	3.25%
Noncontrolling Interests to Total Capital	0.13%	0.32%	0.02%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	66.24%	79.55%	78.35%	80.39%	75.90%	57.14%	49.01%	61.92%	64.86%	63.58%
Debt to EBITDA	2.60	0.82	0.71	0.67	2.06	4.12	35.24	3.60	3.47	2.03
Net Debt to EBITDA	-1.69	-1.57	-2.77	-7.53	-8.29	2.41	26.35	1.94	1.03	0.74
Long-Term Debt to EBITDA	2.40	0.82	0.71	0.67	2.06	3.27	31.22	3.39	3.47	2.02
Debt to NOPAT	3.43	1.12	1.02	0.95	3.26	6.28	-313.04	6.96	6.73	2.66
Net Debt to NOPAT	-2.23	-2.16	-3.98	-10.71	-13.15	3.68	-234.06	3.75	2.00	0.97
Long-Term Debt to NOPAT	3.17	1.12	1.02	0.95	3.26	4.98	-277.32	6.55	6.73	2.65
Noncontrolling Interest Sharing Ratio	9.80%	10.12%	9.69%	9.10%	8.62%	6.79%	5.24%	4.99%	4.89%	5.05%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-2,687	486	4,743	3,468	5,638	4,472	-4,335	844	1,930	-1,222
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1,506.62%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-1.17	0.31	15.01	20.77	15.32	5.26	-7.20	1.88	4.64	-4.56
Operating Cash Flow to Interest Expense	0.70	1.46	9.82	18.14	6.32	3.03	3.78	5.13	4.90	5.97
Operating Cash Flow Less CapEx to Interest Expense	0.70	1.46	9.82	18.14	6.32	3.03	3.53	5.13	4.90	5.97
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.04	0.05	0.05	0.03	0.04	0.04	0.06
Fixed Asset Turnover	4.27	4.51	4.09	3.47	3.26	2.93	1.82	2.64	2.55	3.43
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	24,403	19,823	18,235	20,733	21,680	26,224	29,114	24,824	24,427	25,203
Invested Capital Turnover	0.32	0.40	0.37	0.30	0.26	0.21	0.14	0.22	0.22	0.32
Increase / (Decrease) in Invested Capital	4,580	1,588	-2,498	-947	-4,544	-2,890	4,290	397	-776	4,368
Enterprise Value (EV)	18,903	14,476	11,069	-6,683	757	20,895	22,373	21,107	16,628	13,194
Market Capitalization	21,376	17,224	18,349	18,662	13,488	13,770	11,067	15,636	13,496	9,329
Book Value per Share	$17.78	$16.96	$15.29	$17.48	$17.13	$15.53	$13.80	$13.25	$12.87	$12.27
Tangible Book Value per Share	$11.29	$10.57	$8.89	$11.14	$11.60	$10.40	$9.02	$8.87	$8.71	$8.34
Total Capital	24,403	19,823	18,235	20,733	21,680	26,224	29,114	24,824	24,427	25,203
Total Debt	6,493	2,330	2,284	2,407	3,569	9,929	14,024	8,632	7,763	8,359
Total Long-Term Debt	5,993	2,330	2,284	2,407	3,569	7,879	12,424	8,132	7,763	8,349
Net Debt	-4,219	-4,471	-8,943	-27,004	-14,387	5,815	10,486	4,651	2,312	3,045
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	151	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	215	-22	-9.00	13
Net Nonoperating Obligations (NNO)	6,493	2,330	2,284	2,407	3,569	9,929	14,024	8,632	7,763	8,359
Total Depreciation and Amortization (D&A)	144	236	353	371	421	426	462	537	574	523
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.94	$2.11	$2.29	$2.51	$1.03	$1.51	$1.55	$1.01	$0.87	$0.75
Adjusted Weighted Average Basic Shares Outstanding	916M	936M	935M	956M	959M	995M	1.09B	1.19B	1.26B	1.33B
Adjusted Diluted Earnings per Share	$1.93	$2.11	$2.28	$2.49	$1.03	$1.50	$1.54	$1.00	$0.87	$0.75
Adjusted Weighted Average Diluted Shares Outstanding	918M	938M	942M	963M	962M	999M	1.10B	1.20B	1.26B	1.33B
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$1.51	$1.55	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	905.47M	918.86M	934.56M	937.15M	960.67M	957.38M	1.02B	1.12B	1.21B	1.29B
Normalized Net Operating Profit after Tax (NOPAT)	1,893	2,074	2,245	2,521	1,094	1,582	-45	1,241	1,154	3,146
Normalized NOPAT Margin	26.73%	27.38%	31.12%	39.16%	17.40%	26.99%	-1.20%	22.56%	21.33%	42.23%
Pre Tax Income Margin	33.23%	34.41%	39.86%	49.94%	20.90%	33.87%	-1.71%	33.81%	30.76%	48.34%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.03	1.65	9.10	19.25	3.57	2.33	-0.11	4.15	4.00	13.44
NOPAT to Interest Expense	0.83	1.32	7.10	15.10	2.97	1.86	-0.07	2.77	2.77	11.74
EBIT Less CapEx to Interest Expense	1.03	1.65	9.10	19.25	3.57	2.33	-0.36	4.15	4.00	13.44
NOPAT Less CapEx to Interest Expense	0.83	1.32	7.10	15.10	2.97	1.86	-0.33	2.77	2.77	11.74
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	52.51%	42.67%	33.94%	28.40%	63.80%	41.47%	-198.46%	32.46%	32.76%	11.75%
Augmented Payout Ratio	70.89%	54.82%	44.19%	46.93%	63.80%	111.06%	-1,014.62%	133.41%	104.90%	31.63%

This table displays calculated financial ratios and metrics derived from Regions Financial's official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	2.12%	0.22%	-3.61%	-11.55%	-10.46%	-9.50%	-0.54%	11.96%	22.01%	22.46%	15.68%
EBITDA Growth	25.59%	29.39%	-5.31%	-15.59%	-39.91%	-44.31%	5.12%	-5.62%	5.58%	52.02%	-30.57%
EBIT Growth	33.84%	39.49%	-1.78%	-14.15%	-41.19%	-45.99%	10.14%	-1.62%	12.39%	61.18%	-32.37%
NOPAT Growth	33.15%	36.57%	0.00%	-13.77%	-39.87%	-42.92%	14.22%	-0.34%	11.68%	56.39%	-34.10%
Net Income Growth	33.15%	36.57%	0.00%	-13.77%	-39.87%	-42.92%	14.22%	-0.34%	11.68%	56.39%	-34.10%
EPS Growth	37.84%	34.15%	0.00%	-11.86%	-40.32%	-42.25%	13.95%	0.00%	12.73%	61.36%	-33.85%
Operating Cash Flow Growth	169.19%	-125.73%	46.63%	-59.45%	102.04%	-32.99%	167.91%	-56.89%	-66.44%	67.67%	-61.83%
Free Cash Flow Firm Growth	-1,664.53%	-238.01%	25.46%	136.44%	113.52%	-137.61%	-210.40%	-257.94%	-163.57%	129.82%	69.00%
Invested Capital Growth	14.86%	23.10%	17.08%	-4.83%	0.92%	8.71%	28.47%	27.24%	9.75%	-12.05%	-17.21%
Revenue Q/Q Growth	-1.71%	1.40%	3.41%	-0.92%	-3.53%	-2.48%	-5.11%	0.31%	-2.50%	7.18%	6.81%
EBITDA Q/Q Growth	-5.16%	5.61%	-3.60%	30.08%	-2.29%	-22.71%	-14.07%	-7.39%	-9.46%	45.89%	-22.85%
EBIT Q/Q Growth	-5.48%	8.06%	-2.72%	34.70%	-1.49%	-23.91%	-14.97%	-7.73%	-9.52%	55.16%	-24.05%
NOPAT Q/Q Growth	-8.24%	8.98%	-2.20%	36.14%	-5.88%	-20.20%	-15.66%	-5.07%	-10.66%	59.67%	-26.42%
Net Income Q/Q Growth	-8.24%	8.98%	-2.20%	36.14%	-5.88%	-20.20%	-15.66%	-5.07%	-10.66%	59.67%	-26.42%
EPS Q/Q Growth	-7.27%	12.24%	-5.77%	40.54%	-9.76%	-16.33%	-16.95%	-4.84%	-12.68%	65.12%	-27.12%
Operating Cash Flow Q/Q Growth	584.55%	-117.45%	683.23%	-59.34%	-53.68%	-0.58%	116.62%	102.55%	-84.64%	297.51%	-65.15%
Free Cash Flow Firm Q/Q Growth	33.49%	-21.21%	-301.45%	863.37%	114.37%	73.27%	1.52%	-257.47%	-139.96%	-21.52%	40.88%
Invested Capital Q/Q Growth	0.75%	-7.01%	15.11%	6.51%	7.98%	-11.56%	-6.42%	12.94%	16.31%	4.52%	-7.33%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	36.04%	37.36%	35.87%	38.47%	29.31%	28.93%	36.51%	40.32%	43.67%	47.03%	34.55%
EBIT Margin	34.81%	36.20%	33.97%	36.11%	26.56%	26.01%	33.33%	37.20%	40.44%	43.58%	30.10%
Profit (Net Income) Margin	27.47%	29.42%	27.37%	28.94%	21.06%	21.59%	26.39%	29.69%	31.37%	34.23%	22.98%
Tax Burden Percent	78.91%	81.28%	80.59%	80.16%	79.31%	83.01%	79.16%	79.81%	77.57%	78.56%	76.33%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	21.10%	18.72%	19.41%	19.84%	20.69%	16.99%	20.84%	20.19%	22.43%	21.45%	23.67%
Return on Invested Capital (ROIC)	8.50%	9.42%	7.97%	8.85%	7.29%	8.60%	10.28%	10.79%	11.71%	12.68%	8.17%
ROIC Less NNEP Spread (ROIC-NNEP)	8.50%	9.42%	7.97%	8.85%	7.29%	8.60%	10.28%	10.79%	11.71%	12.68%	8.17%
Return on Net Nonoperating Assets (RNNOA)	2.47%	2.35%	3.16%	3.37%	1.85%	1.19%	2.81%	3.13%	2.30%	1.73%	1.14%
Return on Equity (ROE)	10.97%	11.77%	11.12%	12.22%	9.14%	9.78%	13.09%	13.92%	14.01%	14.41%	9.31%
Cash Return on Invested Capital (CROIC)	-5.07%	-12.15%	-8.54%	12.43%	7.67%	2.55%	-13.05%	-13.19%	2.10%	24.34%	29.20%
Operating Return on Assets (OROA)	1.57%	1.66%	1.55%	1.67%	1.27%	1.28%	1.66%	1.83%	1.92%	1.98%	1.31%
Return on Assets (ROA)	1.24%	1.35%	1.25%	1.34%	1.01%	1.06%	1.32%	1.46%	1.49%	1.55%	1.00%
Return on Common Equity (ROCE)	9.91%	10.62%	10.02%	11.00%	8.24%	8.79%	11.70%	12.52%	12.65%	13.01%	8.39%
Return on Equity Simple (ROE_SIMPLE)	10.87%	0.00%	9.37%	10.19%	10.74%	0.00%	14.71%	13.87%	13.68%	0.00%	13.17%
Net Operating Profit after Tax (NOPAT)	490	534	490	501	368	391	490	581	612	685	429
NOPAT Margin	27.47%	29.42%	27.37%	28.94%	21.06%	21.59%	26.39%	29.69%	31.37%	34.23%	22.98%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	44.51%	43.42%	45.53%	44.89%	47.68%	43.13%	41.36%	39.70%	40.54%	38.98%	41.08%
Operating Expenses to Revenue	58.24%	57.19%	59.72%	58.00%	64.74%	65.43%	58.86%	56.77%	52.64%	50.82%	62.67%
Earnings before Interest and Taxes (EBIT)	621	657	608	625	464	471	619	728	789	872	562
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	643	678	642	666	512	524	678	789	852	941	645
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.17	1.32	1.26	1.18	1.26	1.09	1.06	1.06	1.07	1.28	1.28
Price to Tangible Book Value (P/TBV)	1.80	2.08	1.93	1.91	2.04	1.75	1.81	1.76	1.75	2.21	2.30
Price to Revenue (P/Rev)	2.76	3.02	3.02	2.57	2.62	2.27	1.98	2.04	2.15	2.54	2.52
Price to Earnings (P/E)	9.76	11.29	12.73	10.94	11.01	8.30	6.76	7.26	7.44	8.17	9.10
Dividend Yield	4.56%	4.17%	4.16%	4.79%	5.39%	4.75%	5.14%	4.73%	4.42%	3.77%	3.84%
Earnings Yield	10.24%	8.86%	7.85%	9.14%	9.09%	12.04%	14.79%	13.77%	13.44%	12.23%	10.98%
Enterprise Value to Invested Capital (EV/IC)	0.53	0.77	0.77	0.75	0.66	0.73	0.64	0.62	0.63	0.61	0.32
Enterprise Value to Revenue (EV/Rev)	1.84	2.67	2.84	2.40	1.91	1.91	1.84	1.92	1.77	1.53	0.81
Enterprise Value to EBITDA (EV/EBITDA)	4.99	7.57	8.58	7.21	5.63	5.09	4.39	4.63	4.10	3.43	1.90
Enterprise Value to EBIT (EV/EBIT)	5.23	8.03	9.28	7.88	6.18	5.55	4.76	5.07	4.53	3.85	2.17
Enterprise Value to NOPAT (EV/NOPAT)	6.52	9.99	11.49	9.81	7.70	6.98	6.04	6.48	5.81	4.93	2.77
Enterprise Value to Operating Cash Flow (EV/OCF)	5.79	11.83	7.52	7.55	5.62	6.27	5.24	6.83	4.94	3.57	2.14
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	5.91	8.63	29.79	0.00	0.00	31.57	2.33	0.98
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.32	0.36	0.40	0.33	0.25	0.13	0.39	0.44	0.25	0.14	0.15
Long-Term Debt to Equity	0.32	0.33	0.32	0.30	0.19	0.13	0.27	0.26	0.14	0.14	0.15
Financial Leverage	0.29	0.25	0.40	0.38	0.25	0.14	0.27	0.29	0.20	0.14	0.14
Leverage Ratio	8.83	8.74	8.92	9.15	9.09	9.19	9.95	9.54	9.39	9.28	9.29
Compound Leverage Factor	8.83	8.74	8.92	9.15	9.09	9.19	9.95	9.54	9.39	9.28	9.29
Debt to Total Capital	24.48%	26.61%	28.64%	24.55%	20.21%	11.75%	28.06%	30.45%	20.31%	12.53%	13.03%
Short-Term Debt to Total Capital	0.00%	2.05%	5.72%	2.25%	4.67%	0.00%	8.92%	12.52%	9.43%	0.00%	0.00%
Long-Term Debt to Total Capital	24.48%	24.56%	22.92%	22.30%	15.54%	11.75%	19.14%	17.92%	10.88%	12.53%	13.03%
Preferred Equity to Total Capital	6.98%	7.03%	6.54%	7.28%	7.75%	8.37%	7.40%	6.93%	7.82%	9.10%	9.51%
Noncontrolling Interests to Total Capital	0.15%	0.13%	0.19%	0.14%	0.16%	0.32%	0.11%	0.09%	0.09%	0.02%	0.00%
Common Equity to Total Capital	68.39%	66.24%	64.63%	68.03%	71.88%	79.55%	64.43%	62.54%	71.97%	78.35%	77.46%
Debt to EBITDA	2.29	2.60	3.21	2.35	1.73	0.82	1.93	2.26	1.32	0.71	0.78
Net Debt to EBITDA	-3.16	-1.69	-1.28	-1.21	-2.77	-1.57	-0.84	-0.80	-1.38	-2.77	-4.61
Long-Term Debt to EBITDA	2.29	2.40	2.57	2.14	1.33	0.82	1.32	1.33	0.70	0.71	0.78
Debt to NOPAT	2.99	3.43	4.29	3.20	2.36	1.12	2.66	3.16	1.87	1.02	1.14
Net Debt to NOPAT	-4.12	-2.23	-1.72	-1.65	-3.78	-2.16	-1.15	-1.12	-1.96	-3.98	-6.70
Long-Term Debt to NOPAT	2.99	3.17	3.44	2.90	1.82	1.12	1.81	1.86	1.00	1.02	1.14
Noncontrolling Interest Sharing Ratio	9.66%	9.80%	9.90%	9.96%	9.80%	10.12%	10.68%	10.07%	9.73%	9.69%	9.87%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-2,691	-4,046	-3,338	1,657	172	-1,197	-4,478	-4,547	-1,272	3,183	4,056
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-5.07	-7.07	-5.54	2.88	0.32	-2.30	-9.43	-12.70	-5.68	21.08	50.07
Operating Cash Flow to Interest Expense	2.01	-0.38	2.09	0.28	0.73	1.64	1.81	1.11	0.88	8.45	3.96
Operating Cash Flow Less CapEx to Interest Expense	2.01	-0.38	2.09	0.28	0.73	1.64	1.81	1.11	0.88	8.45	3.96
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04
Fixed Asset Turnover	4.24	4.27	4.34	4.39	4.41	4.51	4.62	4.59	4.33	4.09	3.86
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	24,586	24,403	26,243	22,798	21,405	19,823	22,415	23,954	21,209	18,235	17,447
Invested Capital Turnover	0.31	0.32	0.29	0.31	0.35	0.40	0.39	0.36	0.37	0.37	0.36
Increase / (Decrease) in Invested Capital	3,181	4,580	3,828	-1,156	196	1,588	4,968	5,128	1,884	-2,498	-3,627
Enterprise Value (EV)	13,131	18,903	20,111	17,162	14,096	14,476	14,305	14,952	13,418	11,069	5,530
Market Capitalization	19,676	21,376	21,350	18,353	19,326	17,224	15,347	15,864	16,266	18,349	17,263
Book Value per Share	$18.57	$17.78	$18.53	$16.94	$16.70	$16.96	$15.39	$15.96	$16.33	$15.29	$14.46
Tangible Book Value per Share	$12.06	$11.29	$12.07	$10.47	$10.27	$10.57	$9.05	$9.61	$9.94	$8.89	$8.04
Total Capital	24,586	24,403	26,243	22,798	21,405	19,823	22,415	23,954	21,209	18,235	17,447
Total Debt	6,019	6,493	7,516	5,596	4,327	2,330	6,290	7,293	4,307	2,284	2,274
Total Long-Term Debt	6,019	5,993	6,016	5,083	3,327	2,330	4,290	4,293	2,307	2,284	2,274
Net Debt	-8,297	-4,219	-3,005	-2,883	-6,923	-4,471	-2,726	-2,593	-4,526	-8,943	-13,392
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	6,019	6,493	7,516	5,596	4,327	2,330	6,290	7,293	4,307	2,284	2,274
Total Depreciation and Amortization (D&A)	22	21	34	41	48	53	59	61	63	69	83
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.51	$0.56	$0.49	$0.52	$0.37	$0.40	$0.49	$0.59	$0.63	$0.70	$0.43
Adjusted Weighted Average Basic Shares Outstanding	906M	916M	914M	917M	921M	936M	939M	939M	935M	935M	934M
Adjusted Diluted Earnings per Share	$0.51	$0.55	$0.49	$0.52	$0.37	$0.41	$0.49	$0.59	$0.62	$0.71	$0.43
Adjusted Weighted Average Diluted Shares Outstanding	910M	918M	918M	918M	923M	938M	940M	939M	942M	942M	940M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.63	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	898.93M	905.47M	908.86M	915.12M	915.83M	918.86M	930.06M	938.38M	938.31M	934.56M	934.45M
Normalized Net Operating Profit after Tax (NOPAT)	490	534	490	501	368	391	490	581	612	685	429
Normalized NOPAT Margin	27.47%	29.42%	27.37%	28.94%	21.06%	21.59%	26.39%	29.69%	31.37%	34.23%	22.98%
Pre Tax Income Margin	34.81%	36.20%	33.97%	36.11%	26.56%	26.01%	33.33%	37.20%	40.44%	43.58%	30.10%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.17	1.15	1.01	1.09	0.86	0.91	1.30	2.03	3.52	5.77	6.94
NOPAT to Interest Expense	0.92	0.93	0.81	0.87	0.68	0.75	1.03	1.62	2.73	4.54	5.30
EBIT Less CapEx to Interest Expense	1.17	1.15	1.01	1.09	0.86	0.91	1.30	2.03	3.52	5.77	6.94
NOPAT Less CapEx to Interest Expense	0.92	0.93	0.81	0.87	0.68	0.75	1.03	1.62	2.73	4.54	5.30
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	49.58%	52.51%	56.57%	54.46%	50.33%	42.67%	35.68%	35.41%	34.13%	33.94%	36.94%
Augmented Payout Ratio	73.80%	70.89%	87.54%	79.66%	69.67%	54.82%	35.68%	35.41%	34.78%	44.19%	63.46%

Frequently Asked Questions About Regions Financial's Financials

When does Regions Financial's fiscal year end?

According to the most recent income statement we have on file, Regions Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Regions Financial's net income changed over the last 9 years?

Regions Financial's net income appears to be on an upward trend, with a most recent value of $1.89 billion in 2024, falling from $3.13 billion in 2015. The previous period was $2.07 billion in 2023. View Regions Financial's forecast to see where analysts expect Regions Financial to go next.

How has Regions Financial revenue changed over the last 9 years?

Over the last 9 years, Regions Financial's total revenue changed from $7.45 billion in 2015 to $7.08 billion in 2024, a change of -4.9%.

How much debt does Regions Financial have?

Regions Financial's total liabilities were at $139.39 billion at the end of 2024, a 3.5% increase from 2023, and a 27.6% increase since 2015.

How much cash does Regions Financial have?

In the past 9 years, Regions Financial's cash and equivalents has ranged from $1.35 billion in 2021 to $2.89 billion in 2024, and is currently $2.89 billion as of their latest financial filing in 2024.

How has Regions Financial's book value per share changed over the last 9 years?

Over the last 9 years, Regions Financial's book value per share changed from 12.27 in 2015 to 17.78 in 2024, a change of 44.9%.

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This page (NYSE:RF) was last updated on 5/30/2025 by MarketBeat.com Staff

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Regions Financial (RF) Financials

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Regions Financial (RF) Financials

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