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RF-PF logoRegions Financial Corporation(RF-PF)Earnings, Financials & Key Ratios

RF-PF•NYSE•Banking & Credit
$25.60
$22.53B mkt cap·11.2× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
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%
  • Tangible BV/Share15.03+25.5%
  • Debt/Equity0.26-29.5%
Analysis→Technical→

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
  • ✓13 consecutive years of dividend growth
  • ✓Well capitalized: 12.0% equity/assets
  • ✓Healthy dividend yield of 4.0%
  • ✓Share count reduced 4.1% through buybacks

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

RF-PF Price & Volume

Regions Financial Corporation (RF-PF) stock price & volume — 10-year historical chart

Loading chart...

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

Full history →
●Beat Revenue 3/12 qtrs (60%)
Q2 2026Latest
Apr 17, 2026
EPS
$0.63
Revenue
$1.7B
Est $1.9B
-11.3%
Q1 2026
Feb 24, 2026
EPS
$0.59
Revenue
$127M
Q1 2026
Jan 15, 2026
EPS
$0.59
Revenue
$127M
Est $1.9B
-106.5%
Q4 2025
Oct 17, 2025
EPS
$0.63
Revenue
$2.5B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 17, 2026
$0.63
$1.7Bvs $1.9B-11.3%
Q1 2026Feb 24, 2026
$0.59
$127M
Q1 2026Jan 15, 2026
$0.59
$127Mvs $1.9B-106.5%
Q4 2025Oct 17, 2025
$0.63
$2.5B
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

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CFG logoCFGCitizens Financial Group, Inc.Direct Competitor27.77B64.3621.241.31%12.22%6.6%6.77%0.51
HBAN logoHBANHuntington Bancshares IncorporatedDirect Competitor25.97B16.4111.814.38%17.71%10.04%8.77%0.76
KEY logoKEYKeyCorpDirect Competitor24.11B21.8714.3923.56%16.35%8.97%0.54
FITB logoFITBFifth Third BancorpDirect Competitor33.69B50.3016.025.62%17.73%11.43%7.15%0.97
MTB logoMTBM&T Bank CorporationDirect Competitor33.12B215.4914.727.18%19.31%9.65%10.25%0.47
ZION logoZIONZions Bancorporation, National AssociationDirect Competitor9.34B63.1312.757.98%15.7%12.41%11.26%0.71
CMA logoCMAComerica IncorporatedDirect Competitor11.35B88.6716.76-3.91%15.07%9.38%0.70
USB logoUSBU.S. BancorpProduct Competitor86.46B55.6012.060.35%17.68%11.54%1.19

Compare RF-PF vs Peers

Regions Financial Corporation (RF-PF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CFG

Most directly comparable listed peer for RF-PF.

Scale Benchmark

vs JPM

Larger-name benchmark to compare RF-PF against a more recognizable public peer.

Peer Set

Compare Top 5

vs CFG, HBAN, KEY, FITB

RF-PF Income Statement

Regions Financial Corporation (RF-PF) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income3.61B3.73B3.75B3.89B3.91B4.79B5.32B4.82B4.99B
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 Income3.99B4.34B4.6B4.26B4.08B5.1B6.9B7.11B7.07B
Interest Expense373M602M851M368M167M316M1.58B2.29B2.08B
Loan Loss Provision134M227M381M1.33B-524M271M553M487M355M
Non-Interest Income1.95B2.02B2.1B2.38B2.52B2.38B2.26B2.27B2.54B
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 Expense3.57B3.58B3.48B3.63B3.75B4.02B4.42B4.24B4.43B
Efficiency Ratio60.1%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 Tax619M387M403M220M694M631M533M461M587M
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)1.24B1.57B1.58B1.09B2.52B2.25B2.07B1.89B2.16B
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)1.011.551.511.032.512.302.111.942.31
Diluted Shares Outstanding1.2B1.1B999M962M963M942M938M918M880M

RF-PF Balance Sheet

Regions Financial Corporation (RF-PF) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments27.57B26.27B26.72B45.11B57.89B39.16B34.91B34.16B38.47B
Cash & Due from Banks3.91B3.54B4.11B17.96B29.41B11.23B6.8B10.71B10.91B
Short Term Investments23.4B22.73B22.61B27.15B28.48B27.93B28.1B23.44B27.56B
Total Investments106.12B109.39B108.19B114.5B117.88B125.94B127.48B127.97B33.17B
Investments Growth %-0.36%3.07%-1.1%5.83%2.95%6.84%1.22%0.39%-74.08%
Long-Term Investments82.72B86.66B85.58B87.34B89.39B98.01B99.37B104.53B5.61B
Accounts Receivables337M375M362M346M319M511M614M572M571M
Goodwill & Intangibles5.42B5.36B5.29B5.61B6.47B6.79B6.84B6.91B5.87B
Goodwill4.9B4.83B4.84B5.19B5.74B5.73B5.73B5.73B5.73B
Intangible Assets513M533M450M418M723M1.06B1.11B1.18B140M
PP&E (Net)2.06B2.04B1.96B1.9B1.81B1.72B1.64B1.67B1.66B
Other Assets6.44B5.82B6.32B7.08B7.05B9.03B8.81B9.46B94.08B
Total Current Assets27.91B26.64B27.08B45.46B58.21B39.67B35.52B34.73B39.55B
Total Non-Current Assets96.38B99.05B99.16B101.93B104.73B115.55B116.67B122.58B107.22B
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 Payable000000000
Total Debt8.63B14.02B9.93B3.57B2.41B2.28B2.33B6.49B4.88B
Net Debt4.72B10.49B5.82B-14.39B-27B-8.94B-4.47B-4.22B-6.02B
Long-Term Debt8.13B12.42B7.88B3.57B2.41B2.28B2.33B5.99B4.13B
Short-Term Debt500M1.6B2.05B0000500M750M
Other Liabilities2.58B2.08B2.54B3.23B3.13B5.24B4.58B5.3B0
Total Current Liabilities97.39B96.09B99.53B122.48B139.07B131.74B127.79B128.1B131.88B
Total Non-Current Liabilities10.71B14.51B10.42B6.8B5.54B7.53B6.91B11.29B4.13B
Total Liabilities108.1B110.6B109.94B129.28B144.61B139.27B134.7B139.39B140.45B
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 Share13.5213.6916.3118.8319.0316.9318.6519.5121.71
Tangible BV per Share8.998.8311.0113.0012.319.7211.3511.9815.03
Common Stock12M11M10M10M10M10M10M9M9M
Additional Paid-in Capital15.86B13.77B12.69B12.73B12.19B11.99B11.76B11.39B10.37B
Retained Earnings1.63B2.83B3.75B3.77B5.55B7B8.19B9.06B10.21B
Accumulated OCI-749M-964M-90M1.31B289M-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 Stock820M820M1.31B1.66B1.66B1.66B1.66B1.72B1.37B

RF-PF Cash Flow Statement

Regions Financial Corporation (RF-PF) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations2.3B2.27B2.58B2.32B3.03B3.1B2.31B1.6B2.18B
Operating CF Growth %12.76%-0.96%13.45%-9.96%30.38%2.38%-25.6%-30.76%36.48%
Net Income1.26B1.76B1.58B1.09B2.52B2.25B2.07B1.89B2.16B
Depreciation & Amortization537M462M426M421M371M353M236M144M84M
Deferred Taxes209M226M62M-158M165M22M32M21M78M
Other Non-Cash Items540M11M247M441M267M756M540M567M-137M
Working Capital Changes-252M-183M264M526M-294M-274M-574M-1.03B0
Cash from Investing-801M-3.04B509M-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 Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K
Net Investment Activity-4.9B-3.41B-8.1B-8.96B-8.36B-8.99B-2.61B-9.61B-7.26B
Acquisitions0357M0-381M-1.18B0000
Other Investing-339M-3.73B-417M-891M596M-9.5B-1.89B1.17B1.22B
Cash from Financing-2.97B327M-2.51B16.37B11.29B-8.35B-5.13B2.58B-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 Issued000346M390M00489M0
Net Stock Activity-1.27B-2.12B-1.1B0-577M-230M-252M-359M-1.07B
Debt Issuance (Net)1000K1000K-1000K-1000K-1000K001000K0
Other Financing-2.17B-2.43B2.96B24.99B13.82B-7.35B-3.99B-212M344M
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 Effect000000000
Cash at Beginning5.45B3.98B3.54B4.11B17.96B29.41B11.23B6.8B10.71B
Cash at End3.98B3.54B4.11B17.96B29.41B11.23B6.8B10.71B10.91B
Interest Paid00000303M1.44B2.22B0
Income Taxes Paid00000336M376M64M0
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

Metric2016201720182019202020212022202320242025
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 Margin2.78%2.91%2.97%2.97%2.64%2.4%3.08%3.5%3.06%3.13%
Efficiency Ratio61.25%60.1%56.23%51.96%54.66%56.72%53.71%48.25%45.26%46.09%
Equity / Assets13.23%13.03%12.01%12.91%12.29%11.25%10.28%11.49%11.39%11.97%
Book Value / Share13.2113.5213.6916.3118.8319.0316.9318.6519.5121.71
NII Growth4.98%3.23%3.35%0.27%3.98%0.51%22.28%11.16%-9.44%3.59%
Dividend Payout27.26%27.4%25.7%36.47%54.39%24.12%29.53%37.95%47.02%-

RF-PF SEC Filings & Documents

Regions Financial Corporation (RF-PF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 17, 2026·SEC

Material company update

Feb 9, 2026·SEC

Material company update

Feb 4, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 24, 2026·SEC

FY 2025

Feb 21, 2025·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 6, 2025·SEC

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.

Explore More RF-PF

Regions Financial Corporation (RF-PF) financial analysis — history, returns, DCA and operating performance tools

Full RF-PF Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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