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Apr 17, 2026·SEC
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Regions Financial Corporation(RF-PF)Earnings, Financials & Key Ratios
RF-PF•NYSE•Banking & Credit
11.2× P/E·Price updated Jun 19, 2026
AboutRegions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as deposits. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.Show more
- Net Interest Income$4.99B+3.6%
- Total Revenue$9.61B+2.5%
- Net Income$2.16B+13.9%
- Return on Equity11.65%+8.9%
- Net Interest Margin3.13%+2.1%
- Efficiency Ratio46.09%+1.8%
- ROA1.36%+11.2%
- Equity / Assets11.97%+5.2%
- Book Value per Share21.71+11.3%
RF-PF Key Insights
Regions Financial Corporation (RF-PF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 9/9
- ✓Efficient operations: 46.1% efficiency ratio
- ✓Well capitalized: 12.0% equity/assets
- ✓Healthy dividend yield of 4.0%
- ✓Share count reduced 4.1% through buybacks
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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RF-PF Price & Volume
Regions Financial Corporation (RF-PF) stock price & volume — 10-year historical chart
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RF-PF Growth Metrics
Regions Financial Corporation (RF-PF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years5.41%
5 Years7.66%
3 Years8.7%
TTM-
Profit CAGR
10 Years7.34%
5 Years14.53%
3 Years-1.34%
TTM13.89%
EPS CAGR
10 Years11.81%
5 Years17.33%
3 Years0.15%
TTM18.04%
Return on Capital
10 Years8.67%
5 Years10.93%
3 Years9.77%
Last Year9.65%
RF-PF Recent Earnings
Regions Financial Corporation (RF-PF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (100%)●Beat Revenue 3/12 qtrs (50%)
Q2 2026Latest
Apr 17, 2026Metric
Actual
Est
EPS
$0.62+3.9%
$0.60
Rev
$1.9B-2.2%
$1.9B
Q2 2026
Apr 15, 2026Metric
Actual
Est
EPS
$0.63
—
Rev
$1.7B-11.3%
$1.9B
Q1 2026
Feb 24, 2026Metric
Actual
Est
EPS
$0.59
—
Rev
$127M
—
Q1 2026
Jan 15, 2026Metric
Actual
Est
EPS
$0.59
—
Rev
$127M-106.5%
$1.9B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 17, 2026 | $0.62vs $0.60+3.9% | $1.9Bvs $1.9B-2.2% |
| Q2 2026 | Apr 15, 2026 | $0.63 | $1.7Bvs $1.9B-11.3% |
| Q1 2026 | Feb 24, 2026 | $0.59 | $127M |
| Q1 2026 | Jan 15, 2026 | $0.59 | $127Mvs $1.9B-106.5% |
Based on last 12 quarters of dataView full earnings history →
RF-PF Peer Comparison
Regions Financial Corporation (RF-PF) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CFG | 29.21B | 67.08 | 17.38 | -9.71% | 16.42% | 7.16% | 0.43 | |
 HBAN | 26.69B | 16.86 | 12.13 | 4.38% | 17.71% | 10.04% | 0.76 | |
 KEY | 24.74B | 22.59 | 14.86 | 23.56% | 16.35% | 9.26% | 0.54 | |
 FITB | 35.29B | 52.74 | 14.90 | -1.4% | 19.61% | 11.96% | 0.67 | |
 MTB | 35.24B | 225.12 | 13.24 | -8.18% | 23.16% | 9.88% | 0.45 | |
 ZION | 9.73B | 66.17 | 11.01 | -0.98% | 18.18% | 13.33% | 0.61 | |
 CMA | 11.35B | 88.67 | 16.76 | -3.91% | 15.07% | 9.96% | 0.70 | |
 USB | 90.47B | 58.14 | 12.61 | 0.35% | 17.68% | 12.03% | 1.19 |
Compare RF-PF vs Peers
Regions Financial Corporation (RF-PF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RF-PF Income Statement
Regions Financial Corporation (RF-PF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | 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 |
RF-PF Balance Sheet
Regions Financial Corporation (RF-PF) balance sheet — assets, liabilities & shareholders' equity
| Metric | 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 |
RF-PF Cash Flow Statement
Regions Financial Corporation (RF-PF) cash flow — operating, investing & free cash flow history
| Metric | 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 | 525M |
Working Capital Changes | -252M | -183M | 264M | 526M | -294M | -274M | -574M | -1.03B | -689M |
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 | 4.59B | 3.81B | 9.05B | 5.43B | 6.15B | 5.84B | 3.05B | 8.33B | 5.31B |
Net Investment Activity | -312M | 401M | 950M | -3.52B | -2.21B | -3.15B | 437M | -1.28B | -1.96B |
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 | 718M |
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 | -1B |
Share Repurchases | -1.27B | -2.12B | -1.1B | -346M | -967M | -230M | -252M | -848M | -1.42B |
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 | -1.42B |
Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | 0 | 0 | 1000K | -1000K |
Other Financing | -2.17B | -2.43B | 2.96B | 24.99B | 13.82B | -7.35B | -3.99B | -212M | 3.5B |
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% |
RF-PF Banking Ratios
Regions Financial Corporation (RF-PF) 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% | 42.3% |
Related:RF-PF Dividend History·RF-PF Revenue History·RF-PF Price History·RF-PF P/E History·RF-PF Financial Ratios·RF-PF Institutional Holders
RF-PF SEC Filings & Documents
Regions Financial Corporation (RF-PF) SEC filings — annual & quarterly reports (10-K, 10-Q)
RF-PF Frequently Asked Questions
Regions Financial Corporation (RF-PF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Regions Financial Corporation (RF-PF) grew revenue by 2.5% over the past year. Growth has been modest.
Yes, Regions Financial Corporation (RF-PF) is profitable, generating $2.16B in net income for fiscal year 2025 (22.4% net margin).
Dividend & Returns
Yes, Regions Financial Corporation (RF-PF) pays a dividend with a yield of 4.05%. This makes it attractive for income-focused investors.
Regions Financial Corporation (RF-PF) has a return on equity (ROE) of 11.7%. This is reasonable for most industries.
Industry Metrics
Regions Financial Corporation (RF-PF) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Regions Financial Corporation (RF-PF) has an efficiency ratio of 46.1%. This is excellent, indicating strong cost control.