8-K Announcements
6Apr 17, 2026·SEC
Feb 9, 2026·SEC
Feb 4, 2026·SEC
Regions Financial Corporation (RF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Regions Financial Corporation (RF) stock price & volume — 10-year historical chart
Regions Financial Corporation (RF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Regions Financial Corporation (RF) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 17, 2026 | $0.62vs $0.61+1.6% | $1.9Bvs $1.9B-2.2% |
| Q1 2026 | Feb 24, 2026 | $0.61 | $2.4B |
| Q1 2026 | Jan 16, 2026 | $0.57vs $0.61-6.7% | $1.9Bvs $1.9B-0.5% |
| Q4 2025 | Oct 17, 2025 | $0.63vs $0.60+5.5% | $1.9Bvs $1.9B-0.4% |
Regions Financial Corporation (RF) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
Regions Financial Corporation (RF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Regions Financial Corporation (RF) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 3.61B | 3.73B | 3.75B | 3.89B | 3.91B | 4.79B | 5.32B | 4.82B | 4.99B |
| NII Growth % | 3.23% | 3.35% | 0.27% | 3.98% | 0.51% | 22.28% | 11.16% | -9.44% | 3.59% |
| Net Interest Margin % | 2.91% | 2.97% | 2.97% | 2.64% | 2.4% | 3.08% | 3.5% | 3.06% | 3.13% |
| Interest Income | 3.99B | 4.34B | 4.6B | 4.26B | 4.08B | 5.1B | 6.9B | 7.11B | 7.07B |
| Interest Expense | 373M | 602M | 851M | 368M | 167M | 316M | 1.58B | 2.29B | 2.08B |
| Loan Loss Provision | 134M | 227M | 381M | 1.33B | -524M | 271M | 553M | 487M | 355M |
| Non-Interest Income | 1.95B | 2.02B | 2.1B | 2.38B | 2.52B | 2.38B | 2.26B | 2.27B | 2.54B |
| Non-Interest Income % | 32.8% | 31.82% | 31.36% | 35.84% | 38.19% | 31.8% | 24.65% | 24.17% | 26.38% |
| Total Revenue | 5.93B▲ 0% | 6.36B▲ 7.2% | 6.7B▲ 5.3% | 6.64B▼ 0.8% | 6.6B▼ 0.6% | 7.48B▲ 13.3% | 9.15B▲ 22.3% | 9.37B▲ 2.4% | 9.61B▲ 2.5% |
| Revenue Growth % | 1.91% | 7.21% | 5.27% | -0.79% | -0.6% | 13.3% | 22.35% | 2.4% | 2.51% |
| Non-Interest Expense | 3.57B | 3.58B | 3.48B | 3.63B | 3.75B | 4.02B | 4.42B | 4.24B | 4.43B |
| Efficiency Ratio | 60.1% | 56.23% | 51.96% | 54.66% | 56.72% | 53.71% | 48.25% | 45.26% | 46.09% |
| Operating Income | 1.86B▲ 0% | 1.96B▲ 5.1% | 1.99B▲ 1.5% | 1.31B▼ 33.8% | 3.21B▲ 144.7% | 2.88B▼ 10.5% | 2.61B▼ 9.4% | 2.35B▼ 9.7% | 2.74B▲ 16.5% |
| Operating Margin % | 31.35% | 30.73% | 29.64% | 19.78% | 48.69% | 38.44% | 28.48% | 25.11% | 28.55% |
| Operating Income Growth % | 11.78% | 5.11% | 1.53% | -33.8% | 144.67% | -10.54% | -9.35% | -9.7% | 16.53% |
| Pretax Income | 1.86B▲ 0% | 1.96B▲ 5.1% | 1.99B▲ 1.5% | 1.31B▼ 33.8% | 3.21B▲ 144.7% | 2.88B▼ 10.5% | 2.61B▼ 9.4% | 2.35B▼ 9.7% | 2.74B▲ 16.5% |
| Pretax Margin % | 31.35% | 30.73% | 29.64% | 19.78% | 48.69% | 38.44% | 28.48% | 25.11% | 28.55% |
| Income Tax | 619M | 387M | 403M | 220M | 694M | 631M | 533M | 461M | 587M |
| Effective Tax Rate % | 33.28% | 19.8% | 20.3% | 16.74% | 21.59% | 21.94% | 20.44% | 19.58% | 21.4% |
| Net Income | 1.26B▲ 0% | 1.76B▲ 39.3% | 1.58B▼ 10.1% | 1.09B▼ 30.8% | 2.52B▲ 130.4% | 2.25B▼ 10.9% | 2.07B▼ 7.6% | 1.89B▼ 8.7% | 2.16B▲ 13.9% |
| Net Margin % | 21.29% | 27.65% | 23.63% | 16.47% | 38.18% | 30.01% | 22.66% | 20.2% | 22.44% |
| Net Income Growth % | 8.6% | 39.27% | -10.06% | -30.85% | 130.44% | -10.95% | -7.62% | -8.73% | 13.89% |
| Net Income (Continuing) | 1.24B | 1.57B | 1.58B | 1.09B | 2.52B | 2.25B | 2.07B | 1.89B | 2.16B |
| EPS (Diluted) | 1.00▲ 0% | 1.54▲ 54.0% | 1.50▼ 2.6% | 1.03▼ 31.3% | 2.49▲ 141.7% | 2.28▼ 8.4% | 2.11▼ 7.5% | 1.93▼ 8.5% | 2.29▲ 18.7% |
| EPS Growth % | 14.94% | 54% | -2.6% | -31.33% | 141.75% | -8.43% | -7.46% | -8.53% | 18.65% |
| EPS (Basic) | 1.01 | 1.55 | 1.51 | 1.03 | 2.51 | 2.30 | 2.11 | 1.94 | 2.31 |
| Diluted Shares Outstanding | 1.2B | 1.1B | 999M | 962M | 963M | 942M | 938M | 918M | 880M |
Regions Financial Corporation (RF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 27.57B | 26.27B | 26.72B | 45.11B | 57.89B | 39.16B | 34.91B | 34.16B | 38.47B |
| Cash & Due from Banks | 3.91B | 3.54B | 4.11B | 17.96B | 29.41B | 11.23B | 6.8B | 10.71B | 10.91B |
| Short Term Investments | 23.4B | 22.73B | 22.61B | 27.15B | 28.48B | 27.93B | 28.1B | 23.44B | 27.56B |
| Total Investments | 106.12B | 109.39B | 108.19B | 114.5B | 117.88B | 125.94B | 127.48B | 127.97B | 33.17B |
| Investments Growth % | -0.36% | 3.07% | -1.1% | 5.83% | 2.95% | 6.84% | 1.22% | 0.39% | -74.08% |
| Long-Term Investments | 82.72B | 86.66B | 85.58B | 87.34B | 89.39B | 98.01B | 99.37B | 104.53B | 5.61B |
| Accounts Receivables | 337M | 375M | 362M | 346M | 319M | 511M | 614M | 572M | 571M |
| Goodwill & Intangibles | 5.42B | 5.36B | 5.29B | 5.61B | 6.47B | 6.79B | 6.84B | 6.91B | 5.87B |
| Goodwill | 4.9B | 4.83B | 4.84B | 5.19B | 5.74B | 5.73B | 5.73B | 5.73B | 5.73B |
| Intangible Assets | 513M | 533M | 450M | 418M | 723M | 1.06B | 1.11B | 1.18B | 140M |
| PP&E (Net) | 2.06B | 2.04B | 1.96B | 1.9B | 1.81B | 1.72B | 1.64B | 1.67B | 1.66B |
| Other Assets | 6.44B | 5.82B | 6.32B | 7.08B | 7.05B | 9.03B | 8.81B | 9.46B | 94.08B |
| Total Current Assets | 27.91B | 26.64B | 27.08B | 45.46B | 58.21B | 39.67B | 35.52B | 34.73B | 39.55B |
| Total Non-Current Assets | 96.38B | 99.05B | 99.16B | 101.93B | 104.73B | 115.55B | 116.67B | 122.58B | 107.22B |
| Total Assets | 124.29B▲ 0% | 125.69B▲ 1.1% | 126.24B▲ 0.4% | 147.39B▲ 16.8% | 162.94B▲ 10.5% | 155.22B▼ 4.7% | 152.19B▼ 1.9% | 157.3B▲ 3.4% | 159.55B▲ 1.4% |
| Asset Growth % | -1.33% | 1.12% | 0.44% | 16.75% | 10.55% | -4.74% | -1.95% | 3.36% | 1.43% |
| Return on Assets (ROA) | 1.01% | 1.41% | 1.26% | 0.8% | 1.62% | 1.41% | 1.35% | 1.22% | 1.36% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 8.63B | 14.02B | 9.93B | 3.57B | 2.41B | 2.28B | 2.33B | 6.49B | 4.88B |
| Net Debt | 4.72B | 10.49B | 5.82B | -14.39B | -27B | -8.94B | -4.47B | -4.22B | -6.02B |
| Long-Term Debt | 8.13B | 12.42B | 7.88B | 3.57B | 2.41B | 2.28B | 2.33B | 5.99B | 4.13B |
| Short-Term Debt | 500M | 1.6B | 2.05B | 0 | 0 | 0 | 0 | 500M | 750M |
| Other Liabilities | 2.58B | 2.08B | 2.54B | 3.23B | 3.13B | 5.24B | 4.58B | 5.3B | 0 |
| Total Current Liabilities | 97.39B | 96.09B | 99.53B | 122.48B | 139.07B | 131.74B | 127.79B | 128.1B | 131.88B |
| Total Non-Current Liabilities | 10.71B | 14.51B | 10.42B | 6.8B | 5.54B | 7.53B | 6.91B | 11.29B | 4.13B |
| Total Liabilities | 108.1B | 110.6B | 109.94B | 129.28B | 144.61B | 139.27B | 134.7B | 139.39B | 140.45B |
| Total Equity | 16.19B▲ 0% | 15.09B▼ 6.8% | 16.3B▲ 8.0% | 18.11B▲ 11.1% | 18.33B▲ 1.2% | 15.95B▼ 13.0% | 17.49B▲ 9.7% | 17.91B▲ 2.4% | 19.1B▲ 6.7% |
| Equity Growth % | -2.83% | -6.81% | 7.99% | 11.14% | 1.19% | -12.96% | 9.67% | 2.38% | 6.66% |
| Equity / Assets (Capital Ratio) | 13.03% | 12.01% | 12.91% | 12.29% | 11.25% | 10.28% | 11.49% | 11.39% | 11.97% |
| Return on Equity (ROE) | 7.69% | 11.25% | 10.08% | 6.36% | 13.84% | 13.1% | 12.4% | 10.69% | 11.65% |
| Book Value per Share | 13.52 | 13.69 | 16.31 | 18.83 | 19.03 | 16.93 | 18.65 | 19.51 | 21.71 |
| Tangible BV per Share | 8.99 | 8.83 | 11.01 | 13.00 | 12.31 | 9.72 | 11.35 | 11.98 | 15.03 |
| Common Stock | 12M | 11M | 10M | 10M | 10M | 10M | 10M | 9M | 9M |
| Additional Paid-in Capital | 15.86B | 13.77B | 12.69B | 12.73B | 12.19B | 11.99B | 11.76B | 11.39B | 10.37B |
| Retained Earnings | 1.63B | 2.83B | 3.75B | 3.77B | 5.55B | 7B | 8.19B | 9.06B | 10.21B |
| Accumulated OCI | -749M | -964M | -90M | 1.31B | 289M | -3.34B | -2.81B | -2.93B | -1.53B |
| Treasury Stock | -1.38B | -1.37B | -1.37B | -1.37B | -1.37B | -1.37B | -1.37B | -1.37B | -1.37B |
| Preferred Stock | 820M | 820M | 1.31B | 1.66B | 1.66B | 1.66B | 1.66B | 1.72B | 1.37B |
Regions Financial Corporation (RF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 2.3B | 2.27B | 2.58B | 2.32B | 3.03B | 3.1B | 2.31B | 1.6B | 2.18B |
| Operating CF Growth % | 12.76% | -0.96% | 13.45% | -9.96% | 30.38% | 2.38% | -25.6% | -30.76% | 36.48% |
| Net Income | 1.26B | 1.76B | 1.58B | 1.09B | 2.52B | 2.25B | 2.07B | 1.89B | 2.16B |
| Depreciation & Amortization | 537M | 462M | 426M | 421M | 371M | 353M | 236M | 144M | 84M |
| Deferred Taxes | 209M | 226M | 62M | -158M | 165M | 22M | 32M | 21M | 78M |
| Other Non-Cash Items | 540M | 11M | 247M | 441M | 267M | 756M | 540M | 567M | -137M |
| Working Capital Changes | -252M | -183M | 264M | 526M | -294M | -274M | -574M | -1.03B | 0 |
| Cash from Investing | -801M | -3.04B | 509M | -4.85B | -2.87B | -12.94B | -1.61B | -262M | -1.42B |
| Purchase of Investments | -4.9B | -3.41B | -8.1B | -8.96B | -8.36B | -8.99B | -2.61B | -9.61B | -7.26B |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | -4.9B | -3.41B | -8.1B | -8.96B | -8.36B | -8.99B | -2.61B | -9.61B | -7.26B |
| Acquisitions | 0 | 357M | 0 | -381M | -1.18B | 0 | 0 | 0 | 0 |
| Other Investing | -339M | -3.73B | -417M | -891M | 596M | -9.5B | -1.89B | 1.17B | 1.22B |
| Cash from Financing | -2.97B | 327M | -2.51B | 16.37B | 11.29B | -8.35B | -5.13B | 2.58B | -568M |
| Dividends Paid | -410M | -516M | -656M | -698M | -716M | -762M | -885M | -994M | -912M |
| Share Repurchases | -1.27B | -2.12B | -1.1B | -346M | -967M | -230M | -252M | -848M | -1.07B |
| Stock Issued | 0 | 0 | 0 | 346M | 390M | 0 | 0 | 489M | 0 |
| Net Stock Activity | -1.27B | -2.12B | -1.1B | 0 | -577M | -230M | -252M | -359M | -1.07B |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | 0 | 0 | 1000K | 0 |
| Other Financing | -2.17B | -2.43B | 2.96B | 24.99B | 13.82B | -7.35B | -3.99B | -212M | 344M |
| Net Change in Cash | -1.47B▲ 0% | -443M▲ 69.9% | 576M▲ 230.0% | 13.84B▲ 2303.1% | 11.46B▼ 17.2% | -18.18B▼ 258.7% | -4.43B▲ 75.7% | 3.91B▲ 188.4% | 195M▼ 95.0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 5.45B | 3.98B | 3.54B | 4.11B | 17.96B | 29.41B | 11.23B | 6.8B | 10.71B |
| Cash at End | 3.98B | 3.54B | 4.11B | 17.96B | 29.41B | 11.23B | 6.8B | 10.71B | 10.91B |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 303M | 1.44B | 2.22B | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 336M | 376M | 64M | 0 |
| Free Cash Flow | 2.26B▲ 0% | 2.2B▼ 2.3% | 2.56B▲ 16.0% | 2.27B▼ 11.4% | 2.96B▲ 30.6% | 2.81B▼ 4.9% | 2.15B▼ 23.6% | 1.45B▼ 32.5% | 2.18B▲ 50.2% |
| FCF Growth % | 14.34% | -2.31% | 16.02% | -11.42% | 30.6% | -4.87% | -23.56% | -32.5% | 50.21% |
Regions Financial Corporation (RF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.94% | 7.69% | 11.25% | 10.08% | 6.36% | 13.84% | 13.1% | 12.4% | 10.69% | 11.65% |
| Return on Assets (ROA) | 0.92% | 1.01% | 1.41% | 1.26% | 0.8% | 1.62% | 1.41% | 1.35% | 1.22% | 1.36% |
| Net Interest Margin | 2.78% | 2.91% | 2.97% | 2.97% | 2.64% | 2.4% | 3.08% | 3.5% | 3.06% | 3.13% |
| Efficiency Ratio | 61.25% | 60.1% | 56.23% | 51.96% | 54.66% | 56.72% | 53.71% | 48.25% | 45.26% | 46.09% |
| Equity / Assets | 13.23% | 13.03% | 12.01% | 12.91% | 12.29% | 11.25% | 10.28% | 11.49% | 11.39% | 11.97% |
| Book Value / Share | 13.21 | 13.52 | 13.69 | 16.31 | 18.83 | 19.03 | 16.93 | 18.65 | 19.51 | 21.71 |
| NII Growth | 4.98% | 3.23% | 3.35% | 0.27% | 3.98% | 0.51% | 22.28% | 11.16% | -9.44% | 3.59% |
| Dividend Payout | 27.26% | 27.4% | 25.7% | 36.47% | 54.39% | 24.12% | 29.53% | 37.95% | 47.02% | - |
Regions Financial Corporation (RF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 17, 2026·SEC
Feb 9, 2026·SEC
Feb 4, 2026·SEC
Regions Financial Corporation (RF) stock FAQ — growth, dividends, profitability & financials explained
Regions Financial Corporation (RF) grew revenue by 2.5% over the past year. Growth has been modest.
Yes, Regions Financial Corporation (RF) is profitable, generating $2.16B in net income for fiscal year 2025 (22.4% net margin).
Yes, Regions Financial Corporation (RF) pays a dividend with a yield of 3.70%. This makes it attractive for income-focused investors.
Regions Financial Corporation (RF) has a return on equity (ROE) of 11.7%. This is reasonable for most industries.
Regions Financial Corporation (RF) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Regions Financial Corporation (RF) has an efficiency ratio of 46.1%. This is excellent, indicating strong cost control.
Regions Financial Corporation (RF) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates