Regions Financial (RF) Financials

$20.72 -0.39 (-1.85%)

Closing price 05/6/2025 03:59 PM Eastern

Extended Trading

$20.89 +0.17 (+0.84%)

As of 08:02 AM 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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	998	1,163	1,263	-260	1,582	991	2,400	2,245	2,074	1,893
Consolidated Net Income / (Loss)	3,133	1,163	1,263	-260	1,582	1,094	2,521	2,245	2,074	1,893
Net Income / (Loss) Continuing Operations	3,146	1,154	1,241	-451	1,582	1,094	2,521	2,245	2,074	1,893
Total Pre-Tax Income	3,601	1,664	1,860	-64	1,985	1,314	3,215	2,876	2,607	2,354
Total Revenue	7,449	5,409	5,501	3,735	5,861	6,287	6,438	7,215	7,576	7,083
Net Interest Income / (Expense)	3,307	3,398	3,539	3,735	3,745	3,894	3,914	4,786	5,320	4,818
Total Interest Income	3,603	3,814	3,987	4,337	4,596	4,262	4,081	5,102	6,897	7,108
Loans and Leases Interest Income	2,991	3,207	3,338	3,628	3,883	3,638	3,489	4,124	5,773	5,771
Investment Securities Interest Income	564	563	596	625	643	582	533	688	749	925
Other Interest Income	43	44	53	84	70	42	59	290	375	412
Total Interest Expense	268	416	448	602	851	368	167	316	1,577	2,290
Deposits Interest Expense	109	117	156	250	447	180	64	197	1,255	1,971
Short-Term Borrowings Interest Expense	1.00	0.00	5.00	30	53	10	0.00	0.00	96	40
Long-Term Debt Interest Expense	158	196	212	322	351	178	103	119	226	279
Total Non-Interest Income	4,142	2,011	1,962	0.00	2,116	2,393	2,524	2,429	2,256	2,265
Other Non-Interest Income	2,071	2,011	1,962	-	2,116	2,393	3.00	2,429	2,256	2,265
Provision for Credit Losses	241	262	150	229	387	1,330	-524	271	553	487
Total Non-Interest Expense	3,607	3,483	3,491	3,570	3,489	3,643	3,747	4,068	4,416	4,242
Salaries and Employee Benefits	1,883	1,842	1,874	1,947	1,916	2,100	2,205	2,318	2,416	2,529
Net Occupancy & Equipment Expense	664	654	665	660	646	661	668	692	701	684
Other Operating Expenses	1,060	987	952	963	927	882	874	1,058	1,299	1,029
Income Tax Expense	455	510	619	387	403	220	694	631	533	461
Basic Earnings per Share	$0.75	$0.87	$1.01	$1.55	$1.51	$1.03	$2.51	$2.29	$2.11	$1.94
Weighted Average Basic Shares Outstanding	1.33B	1.26B	1.19B	1.09B	995M	959M	956M	935M	936M	916M
Diluted Earnings per Share	$0.75	$0.87	$1.00	$1.54	$1.50	$1.03	$2.49	$2.28	$2.11	$1.93
Weighted Average Diluted Shares Outstanding	1.33B	1.26B	1.20B	1.10B	999M	962M	963M	942M	938M	918M
Weighted Average Basic & Diluted Shares Outstanding	1.33B	1.26B	-692.10M	-167.70M	957.38M	960.67M	937.15M	934.56M	918.86M	905.47M
Cash Dividends to Common per Share	$0.23	$0.26	$0.32	$0.46	$0.59	$0.62	$0.65	$0.74	$0.88	$0.98

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

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

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

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

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

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

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

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

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

Frequently Asked Questions About Regions Financial's Financials

When does Regions Financial's financial year end?

According to the most recent income statement we have on file, Regions Financial's fiscal year ends in December. Their fiscal 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. See where experts think Regions Financial is headed by visiting Regions Financial's forecast page.

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 5/7/2025 by MarketBeat.com Staff

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Regions Financial (RF) Financials

Frequently Asked Questions About Regions Financial's Financials

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Regions Financial (RF) Financials

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