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Regions Financial (RF) Financials

Regions Financial logo
$26.63 -0.52 (-1.90%)
Closing price 05/13/2026 03:59 PM Eastern
Extended Trading
$26.64 +0.01 (+0.02%)
As of 08:38 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Regions Financial

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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 998 1,163 1,263 -260 1,582 991 2,400 2,245 1,976 1,774 2,061
Consolidated Net Income / (Loss)		 3,133 1,163 1,263 -260 1,582 1,094 2,521 2,245 2,074 1,893 2,156
Net Income / (Loss) Continuing Operations		 3,146 1,154 1,241 -451 1,582 1,094 2,521 2,245 2,074 1,893 2,156
Total Pre-Tax Income 		3,601 1,664 1,860 -64 1,985 1,314 3,215 2,876 2,607 2,354 2,743
Total Revenue		 7,449 5,409 5,501 3,735 5,861 6,287 6,438 7,215 7,576 7,083 7,526
Net Interest Income / (Expense)		 3,307 3,398 3,539 3,735 3,745 3,894 3,914 4,786 5,320 4,818 4,991
Total Interest Income		 3,603 3,814 3,987 4,337 4,596 4,262 4,081 5,102 6,897 7,108 7,073
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 5,498
Investment Securities Interest Income		 564 563 596 625 643 582 533 688 749 925 1,145
Other Interest Income		 43 44 53 84 70 42 59 290 375 412 430
Total Interest Expense		 268 416 448 602 851 368 167 316 1,577 2,290 2,082
Deposits Interest Expense		 109 117 156 250 447 180 64 197 1,255 1,971 1,766
Short-Term Borrowings Interest Expense		 1.00 0.00 5.00 30 53 10 0.00 0.00 96 40 17
Long-Term Debt Interest Expense		 158 196 212 322 351 178 103 119 226 279 299
Total Non-Interest Income		 4,142 2,011 1,962 0.00 2,116 2,393 2,524 2,429 2,256 2,265 2,535
Other Service Charges		 1,840 - - - - - 1,948 - 1,930 1,979 2,083
Investment Banking Income		 - - - - - - 573 - 331 494 505
Other Non-Interest Income		 2,071 2,011 1,962 - 2,116 2,393 3.00 2,429 -5.00 -208 -53
Provision for Credit Losses		 241 262 150 229 387 1,330 -524 271 553 487 470
Total Non-Interest Expense		 3,607 3,483 3,491 3,570 3,489 3,643 3,747 4,068 4,416 4,242 4,313
Salaries and Employee Benefits		 1,883 1,842 1,874 1,947 1,916 2,100 2,205 2,318 2,416 2,529 2,616
Net Occupancy & Equipment Expense		 664 654 665 660 646 661 668 692 701 684 709
Other Operating Expenses		 1,060 987 952 963 927 882 874 1,058 1,299 1,029 988
Income Tax Expense		 455 510 619 387 403 220 694 631 533 461 587
Basic Earnings per Share		 $0.75 $0.87 $1.01 $1.55 $1.51 $1.03 $2.51 $2.29 $2.11 $1.94 $2.31
Weighted Average Basic Shares Outstanding		 1.33B 1.26B 1.19B 1.09B 995M 959M 956M 935M 936M 916M 892M
Diluted Earnings per Share		 $0.75 $0.87 $1.00 $1.54 $1.50 $1.03 $2.49 $2.28 $2.11 $1.93 $2.30
Weighted Average Diluted Shares Outstanding		 1.33B 1.26B 1.20B 1.10B 999M 962M 963M 942M 938M 918M 896M
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 863.51M
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 $1.03

Quarterly Income Statements for Regions Financial

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 490 440 343 477 446 558 465 534 548 514 539
Consolidated Net Income / (Loss)		 490 391 368 501 490 534 490 563 569 534 559
Net Income / (Loss) Continuing Operations		 490 391 368 501 490 534 490 563 569 534 559
Total Pre-Tax Income 		619 471 464 625 608 657 621 706 708 708 714
Total Revenue		 1,857 1,811 1,747 1,731 1,790 1,815 1,784 1,905 1,916 1,921 1,873
Net Interest Income / (Expense)		 1,291 1,231 1,184 1,186 1,218 1,230 1,194 1,259 1,257 1,281 1,248
Total Interest Income		 1,766 1,751 1,724 1,762 1,820 1,802 1,725 1,784 1,796 1,768 1,702
Loans and Leases Interest Income		 1,476 1,466 1,429 1,441 1,474 1,427 1,350 1,386 1,395 1,367 1,321
Investment Securities Interest Income		 185 192 209 219 241 256 266 286 293 300 298
Other Interest Income		 105 93 86 102 105 119 109 112 108 101 83
Total Interest Expense		 475 520 540 576 602 572 531 525 539 487 454
Deposits Interest Expense		 367 449 495 502 507 467 442 447 456 421 385
Short-Term Borrowings Interest Expense		 39 10 1.00 13 10 16 4.00 1.00 8.00 4.00 17
Long-Term Debt Interest Expense		 69 61 44 61 85 89 85 77 75 62 52
Total Non-Interest Income		 566 580 563 545 572 585 590 646 659 640 625
Other Service Charges		 - - - 493 522 - 495 516 544 - 512
Investment Banking Income		 - - - 102 128 - 120 131 142 - 116
Other Non-Interest Income		 566 1,692 563 -50 -78 1,180 -25 -1.00 -27 -615 -3.00
Provision for Credit Losses		 145 155 152 102 113 120 124 126 105 115 91
Total Non-Interest Expense		 1,093 1,185 1,131 1,004 1,069 1,038 1,039 1,073 1,103 1,098 1,068
Salaries and Employee Benefits		 589 608 658 609 645 617 625 658 671 662 659
Net Occupancy & Equipment Expense		 179 173 175 168 170 171 169 176 178 186 180
Other Operating Expenses		 325 404 298 227 254 250 245 239 254 250 229
Income Tax Expense		 129 80 96 124 118 123 131 143 139 174 155
Basic Earnings per Share		 $0.49 $0.40 $0.37 $0.52 $0.49 $0.56 $0.51 $0.59 $0.62 $0.59 $0.63
Weighted Average Basic Shares Outstanding		 939M 936M 921M 917M 914M 916M 906M 898M 890M 892M 863M
Diluted Earnings per Share		 $0.49 $0.41 $0.37 $0.52 $0.49 $0.55 $0.51 $0.59 $0.61 $0.59 $0.62
Weighted Average Diluted Shares Outstanding		 940M 938M 923M 918M 918M 918M 910M 900M 894M 896M 868M
Weighted Average Basic & Diluted Shares Outstanding		 930.06M 918.86M 915.83M 915.12M 908.86M 905.47M 898.93M 892.31M 876.88M 863.51M 853.38M
Cash Dividends to Common per Share		 $0.24 - $0.24 $0.24 $0.25 - $0.25 $0.25 $0.27 - $0.27

Annual Cash Flow Statements for Regions Financial

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 1,310 137 -1,470 119 576 13,842 11,455 -18,184 -4,426 3,911 195
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 2,181
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 2,181
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 2,156
Consolidated Net Income / (Loss)		 1,062 1,163 1,263 1,759 1,582 1,094 2,521 2,245 2,074 1,893 2,156
Provision For Loan Losses		 241 262 150 229 387 1,330 -524 271 553 487 470
Depreciation Expense		 523 574 537 462 426 421 371 353 236 144 84
Non-Cash Adjustments to Reconcile Net Income		 122 -172 342 -255 -317 -992 725 562 -100 -31 82
Changes in Operating Assets and Liabilities, net		 -349 210 5.00 80 503 471 -63 -329 -455 -895 -611
Net Cash From Investing Activities		 -6,124 -700 -801 -3,045 509 -4,853 -2,865 -12,941 -1,607 -262 -1,418
Net Cash From Continuing Investing Activities		 -6,124 -700 -801 -3,045 509 -4,853 -2,865 -12,941 -1,607 -262 -1,418
Purchase of Investment Securities		 -13,457 -7,469 -5,412 -7,369 -912 -1,206 2.00 -11,583 -2,529 859 -217
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 6,061
Other Investing Activities, net		 - - - - -8,102 -8,956 -8,360 -8,991 -2,610 -9,612 -7,262
Net Cash From Financing Activities		 5,835 -1,200 -2,966 327 -2,514 16,371 11,290 -8,345 -5,127 2,575 -568
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 -568
Net Change in Deposits		 4,230 605 -2,146 -2,398 2,984 25,004 13,836 -7,329 -3,955 -185 3,525
Issuance of Debt		 3,753 3,357 7,149 22,850 21,274 4,698 647 0.00 2,000 3,740 0.00
Issuance of Preferred Equity		 - - 0.00 0.00 490 346 390 0.00 0.00 489 0.00
Repayment of Debt		 -1,142 -3,926 -6,255 -17,452 -25,476 -12,968 -1,881 0.00 -2,000 400 -1,650
Repurchase of Preferred Equity		 - - - - 0.00 0.00 -500 0.00 0.00 -500 -350
Repurchase of Common Equity		 -623 -839 -1,275 -2,122 -1,101 0.00 -467 -230 -252 -348 -1,067
Payment of Dividends		 -368 -381 -410 -516 -656 -698 -716 -762 -885 -994 -1,003
Other Financing Activities, Net		 -15 -16 -29 -35 -29 -11 -19 -24 -35 -27 -23

Quarterly Cash Flow Statements for Regions Financial

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -870 -2,215 4,449 -2,771 2,042 191 3,604 -3,141 924 -1,192 236
Net Cash From Operating Activities		 860 855 396 161 1,261 -220 1,066 573 861 -319 867
Net Cash From Continuing Operating Activities		 860 855 396 161 1,261 -220 1,066 573 861 -319 867
Net Income / (Loss) Continuing Operations		 490 391 368 501 490 534 490 563 569 534 559
Consolidated Net Income / (Loss)		 490 391 368 501 490 534 490 563 569 534 559
Provision For Loan Losses		 145 155 152 102 113 120 124 126 105 115 91
Depreciation Expense		 59 53 48 41 34 21 22 19 21 22 23
Non-Cash Adjustments to Reconcile Net Income		 82 24 22 -97 114 -70 297 -200 55 -70 76
Changes in Operating Assets and Liabilities, net		 84 232 -194 -386 510 -825 133 65 111 -920 118
Net Cash From Investing Activities		 243 -156 1,209 -1,471 -498 498 166 -2,148 346 218 -2,180
Net Cash From Continuing Investing Activities		 243 -156 1,209 -1,471 -498 498 166 -2,148 346 218 -2,180
Purchase of Investment Securities		 -54 91 1,309 -780 500 -170 -1,325 -1,396 172 257 -2,500
Sale and/or Maturity of Investments		 852 1,017 1,977 1,749 2,559 2,206 1,491 1,160 2,136 1,274 1,399
Other Investing Activities, net		 -555 -1,264 -2,077 -2,440 -3,557 -1,538 - -1,912 -1,962 -1,313 -1,079
Net Cash From Financing Activities		 -1,973 -2,914 2,844 -1,461 1,279 -87 2,372 -1,566 -283 -1,091 1,549
Net Cash From Continuing Financing Activities		 -1,973 -2,914 2,844 -1,461 1,279 -87 2,372 -1,566 -283 -1,091 1,549
Net Change in Deposits		 -760 1,589 1,194 -2,366 -240 1,227 3,368 -52 -585 794 752
Repayment of Debt		 -1,000 -4,000 1,000 -487 887 -1,000 0.00 -750 800 -1,200 1,450
Repurchase of Common Equity		 - -252 -102 -87 -101 -58 -242 -144 -251 -430 -401
Payment of Dividends		 -212 -250 -247 -244 -249 -254 -252 -251 -245 -255 -250
Other Financing Activities, Net		 -1.00 -1.00 -1.00 -23 -1.00 -2.00 -2.00 -19 -2.00 - -2.00

Annual Balance Sheets for Regions Financial

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 2025
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 12/31/2025
Total Assets		 126,050 125,968 124,294 125,688 126,240 147,389 162,938 155,220 152,194 157,302 158,814
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 3,112
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 7,795
Trading Account Securities		 25,247 25,985 25,409 24,515 24,575 30,181 30,383 29,088 29,258 31,245 33,677
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 94,081
Loans and Leases		 81,162 80,095 79,947 83,152 82,963 85,266 87,784 97,009 98,379 96,727 95,637
Allowance for Loan and Lease Losses		 1,106 1,091 934 840 869 2,167 1,479 1,464 1,576 1,613 1,556
Premises and Equipment, Net		 2,152 2,096 2,064 2,045 1,960 1,897 1,814 1,718 1,642 1,673 1,659
Goodwill		 4,878 4,904 4,904 4,829 4,845 5,190 5,744 5,733 5,733 5,733 5,733
Intangible Assets		 259 221 177 115 105 122 305 249 205 169 140
Other Assets		 8,144 8,307 8,746 8,334 8,547 8,944 8,976 11,660 11,752 12,656 12,617
Total Liabilities & Shareholders' Equity		 126,050 125,968 124,294 125,688 126,240 147,389 162,938 155,220 152,194 157,302 158,814
Total Liabilities		 109,206 109,304 108,102 110,598 109,945 129,278 144,612 139,269 134,701 139,392 139,711
Non-Interest Bearing Deposits		 34,862 36,046 36,127 35,053 34,113 51,289 58,369 51,348 42,368 39,138 39,530
Interest Bearing Deposits		 63,568 62,989 60,762 59,438 63,362 71,190 80,703 80,395 85,420 88,465 91,598
Federal Funds Purchased and Securities Sold		 - - - - - - - - - - 0.00
Short-Term Debt		 10 0.00 500 1,600 2,050 - - - 0.00 500 750
Long-Term Debt		 8,349 7,763 8,132 12,424 7,879 3,569 2,407 2,284 2,330 5,993 4,134
Other Long-Term Liabilities		 2,417 2,506 2,581 2,083 2,541 3,230 3,133 5,242 4,583 5,296 3,699
Total Equity & Noncontrolling Interests		 16,844 16,664 16,192 15,090 16,295 18,111 18,326 15,951 17,493 17,910 19,103
Total Preferred & Common Equity		 16,844 16,664 16,192 15,090 16,295 18,111 18,326 15,947 17,429 17,879 19,043
Preferred Stock		 820 820 820 820 1,310 1,656 1,659 1,659 1,659 1,715 1,369
Total Common Equity		 16,024 15,844 15,372 14,270 14,985 16,455 16,667 14,288 15,770 16,164 17,674
Common Stock		 17,896 17,105 15,870 13,777 12,695 12,741 12,199 11,998 11,767 11,403 10,375
Retained Earnings		 -115 666 1,628 2,828 3,751 3,770 5,550 7,004 8,186 9,060 10,205
Treasury Stock		 -1,377 -1,377 -1,377 -1,371 -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 -1,535
Noncontrolling Interest		 - - - - - - 0.00 4.00 64 31 60

Quarterly Balance Sheets for Regions Financial

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 155,656 153,624 152,194 154,909 154,052 157,426 157,302 159,846 159,206 159,940 160,741
Cash and Due from Banks		 2,480 1,554 2,635 2,527 2,955 2,665 2,893 3,287 3,245 3,073 3,445
Interest Bearing Deposits at Other Banks		 7,406 7,462 4,166 8,723 5,524 7,856 7,819 11,029 7,930 9,026 7,698
Trading Account Securities		 28,627 27,450 29,258 29,041 29,822 32,007 31,245 31,482 32,899 33,228 33,317
Loans and Leases, Net of Allowance		 97,678 97,395 96,803 95,245 95,887 95,182 95,114 94,120 95,111 94,544 96,399
Loans and Leases		 99,191 98,942 98,379 96,862 97,508 96,789 96,727 95,733 96,723 96,125 97,926
Allowance for Loan and Lease Losses		 1,513 1,547 1,576 1,617 1,621 1,607 1,613 1,613 1,612 1,581 1,527
Premises and Equipment, Net		 1,622 1,616 1,642 1,635 1,630 1,648 1,673 1,726 1,755 1,742 1,666
Goodwill		 5,733 5,733 5,733 5,733 5,733 5,733 5,733 5,733 5,733 5,733 5,733
Intangible Assets		 226 216 205 196 187 178 169 161 153 146 133
Other Assets		 11,884 12,198 11,752 11,809 12,314 12,157 12,656 12,308 12,380 12,448 12,350
Total Liabilities & Shareholders' Equity		 155,656 153,624 152,194 154,909 154,052 157,426 157,302 159,846 159,206 159,940 160,741
Total Liabilities		 138,995 137,499 134,701 137,831 136,850 138,699 139,392 141,279 140,500 140,845 141,897
Non-Interest Bearing Deposits		 46,898 44,640 42,368 41,824 40,927 39,698 39,138 40,443 40,209 39,768 40,062
Interest Bearing Deposits		 80,061 81,559 85,420 87,158 85,689 86,678 88,465 90,528 90,710 90,566 91,818
Federal Funds Purchased and Securities Sold		 - - - - - - - - - - 1,200
Short-Term Debt		 3,000 2,000 0.00 1,000 513 1,500 500 0.00 0.00 1,300 2,000
Long-Term Debt		 4,293 4,290 2,330 3,327 5,083 6,016 5,993 6,019 5,279 4,785 3,137
Other Long-Term Liabilities		 4,743 5,010 4,583 4,522 4,638 4,807 5,296 4,289 4,302 4,426 3,680
Total Equity & Noncontrolling Interests		 16,661 16,125 17,493 17,078 17,202 18,727 17,910 18,567 18,706 19,095 18,844
Total Preferred & Common Equity		 16,639 16,100 17,429 17,044 17,169 18,676 17,879 18,530 18,666 19,049 18,779
Preferred Stock		 1,659 1,659 1,659 1,659 1,659 1,715 1,715 1,715 1,369 1,369 1,369
Total Common Equity		 14,980 14,441 15,770 15,385 15,510 16,961 16,164 16,815 17,297 17,680 17,410
Common Stock		 11,989 12,006 11,767 11,676 11,585 11,448 11,403 11,170 11,026 10,789 9,982
Retained Earnings		 7,802 8,042 8,186 8,304 8,561 8,778 9,060 9,299 9,609 9,922 10,517
Treasury Stock		 -1,371 -1,371 -1,371 -1,371 -1,371 -1,371 -1,371 -1,371 -1,371 -1,371 -1,371
Accumulated Other Comprehensive Income / (Loss)		 -3,440 -4,236 -2,812 -3,224 -3,265 -1,894 -2,928 -2,283 -1,967 -1,660 -1,718
Noncontrolling Interest		 22 25 64 34 33 51 31 37 40 46 65

Annual Metrics And Ratios for Regions Financial

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 2025
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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $2.31
Adjusted Weighted Average Basic Shares Outstanding		 1.33B 1.26B 1.19B 1.09B 995M 959M 956M 935M 936M 916M 892M
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 $2.30
Adjusted Weighted Average Diluted Shares Outstanding		 1.33B 1.26B 1.20B 1.10B 999M 962M 963M 942M 938M 918M 896M
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 $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 863.51M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Regions Financial

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 863,506,691.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 863,506,691.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.65
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.54% -9.50% -10.46% -11.55% -3.61% 0.22% 2.12% 10.05% 7.04% - 4.99%
EBITDA Growth		 5.12% -44.31% -39.91% -15.59% -5.31% 29.39% 25.59% 8.86% 13.55% - 14.62%
EBIT Growth		 10.14% -45.99% -41.19% -14.15% -1.78% 39.49% 33.84% 12.96% 16.45% - 14.98%
NOPAT Growth		 14.22% -42.92% -39.87% -13.77% 0.00% 36.57% 33.15% 12.38% 16.12% - 14.08%
Net Income Growth		 14.22% -42.92% -39.87% -13.77% 0.00% 36.57% 33.15% 12.38% 16.12% - 14.08%
EPS Growth		 13.95% -42.25% -40.32% -11.86% 0.00% 34.15% 37.84% 13.46% 24.49% - 21.57%
Operating Cash Flow Growth		 167.91% -32.99% 102.04% -59.45% 46.63% -125.73% 169.19% 255.90% -31.72% - -18.67%
Free Cash Flow Firm Growth		 -210.40% -137.61% 113.52% 136.44% 25.46% -238.01% -1,664.53% -137.66% 148.89% - 143.26%
Invested Capital Growth		 28.47% 8.71% 0.92% -4.83% 17.08% 23.10% 14.86% 5.21% -4.05% - -2.46%
Revenue Q/Q Growth		 -5.11% -2.48% -3.53% -0.92% 3.41% 1.40% -1.71% 6.78% 0.58% - -2.50%
EBITDA Q/Q Growth		 -14.07% -22.71% -2.29% 30.08% -3.60% 5.61% -5.16% 12.75% 0.55% - 0.96%
EBIT Q/Q Growth		 -14.97% -23.91% -1.49% 34.70% -2.72% 8.06% -5.48% 13.69% 0.28% - 0.85%
NOPAT Q/Q Growth		 -15.66% -20.20% -5.88% 36.14% -2.20% 8.98% -8.24% 14.90% 1.07% - 4.68%
Net Income Q/Q Growth		 -15.66% -20.20% -5.88% 36.14% -2.20% 8.98% -8.24% 14.90% 1.07% - 4.68%
EPS Q/Q Growth		 -16.95% -16.33% -9.76% 40.54% -5.77% 12.24% -7.27% 15.69% 3.39% - 5.08%
Operating Cash Flow Q/Q Growth		 116.62% -0.58% -53.68% -59.34% 683.23% -117.45% 584.55% -46.25% 50.26% - 371.79%
Free Cash Flow Firm Q/Q Growth		 1.52% 73.27% 114.37% 863.37% -301.45% -21.21% 33.49% 76.81% 361.54% - 22.53%
Invested Capital Q/Q Growth		 -6.42% -11.56% 7.98% 6.51% 15.11% -7.01% 0.75% -2.44% 4.98% - -0.03%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 36.51% 28.93% 29.31% 38.47% 35.87% 37.36% 36.04% 38.06% 38.05% - 39.35%
EBIT Margin		 33.33% 26.01% 26.56% 36.11% 33.97% 36.20% 34.81% 37.06% 36.95% - 38.12%
Profit (Net Income) Margin		 26.39% 21.59% 21.06% 28.94% 27.37% 29.42% 27.47% 29.55% 29.70% - 29.85%
Tax Burden Percent		 79.16% 83.01% 79.31% 80.16% 80.59% 81.28% 78.91% 79.75% 80.37% - 78.29%
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		 20.84% 16.99% 20.69% 19.84% 19.41% 18.72% 21.10% 20.26% 19.63% - 21.71%
Return on Invested Capital (ROIC)		 10.28% 8.60% 7.29% 8.85% 7.97% 9.42% 8.50% 9.22% 8.57% - 9.36%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.28% 8.60% 7.29% 8.85% 7.97% 9.42% 8.50% 9.22% 8.57% - 9.36%
Return on Net Nonoperating Assets (RNNOA)		 2.81% 1.19% 1.85% 3.37% 3.16% 2.35% 2.47% 2.79% 3.08% - 2.79%
Return on Equity (ROE)		 13.09% 9.78% 9.14% 12.22% 11.12% 11.77% 10.97% 12.01% 11.65% - 12.15%
Cash Return on Invested Capital (CROIC)		 -13.05% 2.55% 7.67% 12.43% -8.54% -12.15% -5.07% 3.80% 12.52% - 11.65%
Operating Return on Assets (OROA)		 1.66% 1.28% 1.27% 1.67% 1.55% 1.66% 1.57% 1.73% 1.73% - 1.81%
Return on Assets (ROA)		 1.32% 1.06% 1.01% 1.34% 1.25% 1.35% 1.24% 1.38% 1.39% - 1.42%
Return on Common Equity (ROCE)		 11.70% 8.79% 8.24% 11.00% 10.02% 10.62% 9.91% 10.97% 10.67% - 11.12%
Return on Equity Simple (ROE_SIMPLE)		 14.71% 0.00% 10.74% 10.19% 9.37% 0.00% 10.87% 11.13% 11.32% - 11.85%
Net Operating Profit after Tax (NOPAT)		 490 391 368 501 490 534 490 563 569 - 559
NOPAT Margin		 26.39% 21.59% 21.06% 28.94% 27.37% 29.42% 27.47% 29.55% 29.70% - 29.85%
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		 41.36% 43.13% 47.68% 44.89% 45.53% 43.42% 44.51% 43.78% 44.31% - 44.79%
Operating Expenses to Revenue		 58.86% 65.43% 64.74% 58.00% 59.72% 57.19% 58.24% 56.33% 57.57% - 57.02%
Earnings before Interest and Taxes (EBIT)		 619 471 464 625 608 657 621 706 708 - 714
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 678 524 512 666 642 678 643 725 729 - 737
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.06 1.09 1.26 1.18 1.26 1.32 1.17 1.22 1.33 - 1.30
Price to Tangible Book Value (P/TBV)		 1.81 1.75 2.04 1.91 1.93 2.08 1.80 1.85 1.99 - 1.95
Price to Revenue (P/Rev)		 1.98 2.27 2.62 2.57 3.02 3.02 2.76 2.90 3.17 - 2.96
Price to Earnings (P/E)		 6.76 8.30 11.01 10.94 12.73 11.29 9.76 10.20 10.82 - 10.56
Dividend Yield		 5.14% 4.75% 5.39% 4.79% 4.16% 4.17% 4.56% 4.25% 3.85% - 4.00%
Earnings Yield		 14.79% 12.04% 9.09% 9.14% 7.85% 8.86% 10.24% 9.80% 9.24% - 9.47%
Enterprise Value to Invested Capital (EV/IC)		 0.64 0.73 0.66 0.75 0.77 0.77 0.53 0.69 0.75 - 0.75
Enterprise Value to Revenue (EV/Rev)		 1.84 1.91 1.91 2.40 2.84 2.67 1.84 2.28 2.55 - 2.36
Enterprise Value to EBITDA (EV/EBITDA)		 4.39 5.09 5.63 7.21 8.58 7.57 4.99 6.20 6.82 - 6.16
Enterprise Value to EBIT (EV/EBIT)		 4.76 5.55 6.18 7.88 9.28 8.03 5.23 6.43 7.03 - 6.34
Enterprise Value to NOPAT (EV/NOPAT)		 6.04 6.98 7.70 9.81 11.49 9.99 6.52 8.02 8.78 - 8.08
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.24 6.27 5.62 7.55 7.52 11.83 5.79 6.21 8.30 - 9.07
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 29.79 8.63 5.91 0.00 0.00 0.00 18.71 5.88 - 6.35
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.39 0.13 0.25 0.33 0.40 0.36 0.32 0.28 0.32 - 0.27
Long-Term Debt to Equity		 0.27 0.13 0.19 0.30 0.32 0.33 0.32 0.28 0.25 - 0.17
Financial Leverage		 0.27 0.14 0.25 0.38 0.40 0.25 0.29 0.30 0.36 - 0.30
Leverage Ratio		 9.95 9.19 9.09 9.15 8.92 8.74 8.83 8.72 8.39 - 8.57
Compound Leverage Factor		 9.95 9.19 9.09 9.15 8.92 8.74 8.83 8.72 8.39 - 8.57
Debt to Total Capital		 28.06% 11.75% 20.21% 24.55% 28.64% 26.61% 24.48% 22.01% 24.17% - 21.42%
Short-Term Debt to Total Capital		 8.92% 0.00% 4.67% 2.25% 5.72% 2.05% 0.00% 0.00% 5.16% - 8.34%
Long-Term Debt to Total Capital		 19.14% 11.75% 15.54% 22.30% 22.92% 24.56% 24.48% 22.01% 19.00% - 13.08%
Preferred Equity to Total Capital		 7.40% 8.37% 7.75% 7.28% 6.54% 7.03% 6.98% 5.71% 5.44% - 5.71%
Noncontrolling Interests to Total Capital		 0.11% 0.32% 0.16% 0.14% 0.19% 0.13% 0.15% 0.17% 0.18% - 0.27%
Common Equity to Total Capital		 64.43% 79.55% 71.88% 68.03% 64.63% 66.24% 68.39% 72.12% 70.21% - 72.60%
Debt to EBITDA		 1.93 0.82 1.73 2.35 3.21 2.60 2.29 1.96 2.19 - 1.76
Net Debt to EBITDA		 -0.84 -1.57 -2.77 -1.21 -1.28 -1.69 -3.16 -2.19 -2.17 - -2.06
Long-Term Debt to EBITDA		 1.32 0.82 1.33 2.14 2.57 2.40 2.29 1.96 1.72 - 1.07
Debt to NOPAT		 2.66 1.12 2.36 3.20 4.29 3.43 2.99 2.54 2.82 - 2.31
Net Debt to NOPAT		 -1.15 -2.16 -3.78 -1.65 -1.72 -2.23 -4.12 -2.84 -2.79 - -2.70
Long-Term Debt to NOPAT		 1.81 1.12 1.82 2.90 3.44 3.17 2.99 2.54 2.22 - 1.41
Noncontrolling Interest Sharing Ratio		 10.68% 10.12% 9.80% 9.96% 9.90% 9.80% 9.66% 8.64% 8.41% - 8.52%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -4,478 -1,197 172 1,657 -3,338 -4,046 -2,691 -624 1,632 - 1,164
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		 -9.43 -2.30 0.32 2.88 -5.54 -7.07 -5.07 -1.19 3.03 - 2.56
Operating Cash Flow to Interest Expense		 1.81 1.64 0.73 0.28 2.09 -0.38 2.01 1.09 1.60 - 1.91
Operating Cash Flow Less CapEx to Interest Expense		 1.81 1.64 0.73 0.28 2.09 -0.38 2.01 1.09 1.60 - 1.91
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 - 0.05
Fixed Asset Turnover		 4.62 4.51 4.41 4.39 4.34 4.27 4.24 4.31 4.38 - 4.49
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 22,415 19,823 21,405 22,798 26,243 24,403 24,586 23,985 25,180 - 23,981
Invested Capital Turnover		 0.39 0.40 0.35 0.31 0.29 0.32 0.31 0.31 0.29 - 0.31
Increase / (Decrease) in Invested Capital		 4,968 1,588 196 -1,156 3,828 4,580 3,181 1,187 -1,063 - -605
Enterprise Value (EV)		 14,305 14,476 14,096 17,162 20,111 18,903 13,131 16,656 18,931 - 17,983
Market Capitalization		 15,347 17,224 19,326 18,353 21,350 21,376 19,676 21,143 23,530 - 22,555
Book Value per Share		 $15.39 $16.96 $16.70 $16.94 $18.53 $17.78 $18.57 $19.24 $19.81 - $20.16
Tangible Book Value per Share		 $9.05 $10.57 $10.27 $10.47 $12.07 $11.29 $12.06 $12.69 $13.23 - $13.37
Total Capital		 22,415 19,823 21,405 22,798 26,243 24,403 24,586 23,985 25,180 - 23,981
Total Debt		 6,290 2,330 4,327 5,596 7,516 6,493 6,019 5,279 6,085 - 5,137
Total Long-Term Debt		 4,290 2,330 3,327 5,083 6,016 5,993 6,019 5,279 4,785 - 3,137
Net Debt		 -2,726 -4,471 -6,923 -2,883 -3,005 -4,219 -8,297 -5,896 -6,014 - -6,006
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)		 6,290 2,330 4,327 5,596 7,516 6,493 6,019 5,279 6,085 - 5,137
Total Depreciation and Amortization (D&A)		 59 53 48 41 34 21 22 19 21 - 23
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.49 $0.40 $0.37 $0.52 $0.49 $0.56 $0.51 $0.59 $0.62 $0.59 $0.63
Adjusted Weighted Average Basic Shares Outstanding		 939M 936M 921M 917M 914M 916M 906M 898M 890M 892M 863M
Adjusted Diluted Earnings per Share		 $0.49 $0.41 $0.37 $0.52 $0.49 $0.55 $0.51 $0.59 $0.61 $0.59 $0.62
Adjusted Weighted Average Diluted Shares Outstanding		 940M 938M 923M 918M 918M 918M 910M 900M 894M 896M 868M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 930.06M 918.86M 915.83M 915.12M 908.86M 905.47M 898.93M 892.31M 876.88M 863.51M 853.38M
Normalized Net Operating Profit after Tax (NOPAT)		 490 391 368 501 490 534 490 563 569 - 559
Normalized NOPAT Margin		 26.39% 21.59% 21.06% 28.94% 27.37% 29.42% 27.47% 29.55% 29.70% - 29.85%
Pre Tax Income Margin		 33.33% 26.01% 26.56% 36.11% 33.97% 36.20% 34.81% 37.06% 36.95% - 38.12%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.30 0.91 0.86 1.09 1.01 1.15 1.17 1.34 1.31 - 1.57
NOPAT to Interest Expense		 1.03 0.75 0.68 0.87 0.81 0.93 0.92 1.07 1.06 - 1.23
EBIT Less CapEx to Interest Expense		 1.30 0.91 0.86 1.09 1.01 1.15 1.17 1.34 1.31 - 1.57
NOPAT Less CapEx to Interest Expense		 1.03 0.75 0.68 0.87 0.81 0.93 0.92 1.07 1.06 - 1.23
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 35.68% 42.67% 50.33% 54.46% 56.57% 52.51% 49.58% 48.44% 46.48% - 44.99%
Augmented Payout Ratio		 35.68% 54.82% 69.67% 79.66% 87.54% 70.89% 73.80% 74.68% 78.71% - 100.09%

Financials Breakdown Chart

Key Financial Trends

Regions Financial (RF) continues to show a mix of growth in core earning power and some quarterly cash flow volatility. Based on RF’s quarterly statements from 2022 through 2025, the company has posted growth in net interest income and total revenue alongside stable deposits and a solid capital base. Here are the most relevant trends for retail investors to consider from the last four years of quarterly data.

  • Total Revenue (Q4 2025): $1.921B, up from about $1.815B in Q4 2024.
  • Net Interest Income (Q4 2025): $1.281B, up from about $1.231B in Q4 2024.
  • Diluted Earnings Per Share (Q4 2025): $0.59, up from about $0.52 in Q4 2024.
  • Provision for Credit Losses (Q4 2025): $115M, down from $120M in Q4 2024, signaling stable or improving credit quality.
  • Total Non-Interest Income (Q4 2025): $640M, higher than roughly $585M in Q4 2024, reflecting diversification of fee and service income.
  • Large and stable funding profile with total deposits around $130B in mid-2025 (mix of non-interest-bearing and interest-bearing deposits), supporting liquidity.
  • Net Income (Continuing Operations, quarterly): about $534M in Q4 2025, consistent with recent quarters and indicating earnings resilience.
  • Balance sheet size: Total assets around $160B (about $159.9B in mid-2025), indicating a stable, scalable franchise.
  • Capital base: Total Common Equity around $17.7B and Total Equity near $19B, signaling solid capitalization relative to peers.
  • Cash flow from operations (Q4 2025): Net Cash From Continuing Operating Activities was -$319M, a quarterly cash-flow headwind despite earnings.
05/14/26 06:28 AM ETAI Generated. May Contain Errors.

Regions Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Regions Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Regions Financial's net income appears to be on an upward trend, with a most recent value of $2.16 billion in 2025, falling from $3.13 billion in 2015. The previous period was $1.89 billion in 2024. See where experts think Regions Financial is headed by visiting Regions Financial's forecast page.

Over the last 10 years, Regions Financial's total revenue changed from $7.45 billion in 2015 to $7.53 billion in 2025, a change of 1.0%.

Regions Financial's total liabilities were at $139.71 billion at the end of 2025, a 0.2% increase from 2024, and a 27.9% increase since 2015.

In the past 10 years, Regions Financial's cash and equivalents has ranged from $1.35 billion in 2021 to $3.11 billion in 2025, and is currently $3.11 billion as of their latest financial filing in 2025.


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Financial statements for NYSE:RF last updated on 5/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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