Regions Financial Corporation (RF-PF) 10-Year Financial Performance & Capital Metrics

RF-PF • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

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 $4.82B -9.4%
Total Revenue $9.37B +2.4%
Net Income $1.89B -8.7%
Return on Equity 10.69% -13.8%
Net Interest Margin 3.06% -12.4%
Efficiency Ratio 45.26% -6.2%
ROA 1.22% -9.3%
Equity / Assets 11.39% -0.9%
Book Value per Share 19.51 +4.6%
Tangible BV/Share 11.98 +5.6%
Debt/Equity 0.36 +172.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 45.3% efficiency ratio
✓12 consecutive years of dividend growth
✓Well capitalized: 11.4% equity/assets
✓Healthy dividend yield of 3.8%
✓Share count reduced 2.1% through buybacks
✓Trading near 52-week high

✗Weaknesses

✗Weak Piotroski F-Score: 3/9

Price & Volume

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Growth Metrics

Revenue CAGR

10Y5.42%

5Y6.96%

3Y12.39%

TTM-

Profit (Net Income) CAGR

10Y5.14%

5Y3.65%

3Y-9.11%

TTM23.2%

EPS CAGR

10Y9.21%

5Y5.17%

3Y-8.14%

TTM28.81%

ROCE

10Y Avg8.31%

5Y Avg10.02%

3Y Avg10.61%

Latest8.78%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	3.33B	3.5B	3.61B	3.73B	3.75B	3.89B	3.91B	4.79B	5.32B	4.82B
NII Growth %	0.02%	0.05%	0.03%	0.03%	0%	0.04%	0.01%	0.22%	0.11%	-0.09%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	3.6B	3.81B	3.99B	4.34B	4.64B	4.26B	4.08B	5.1B	6.9B	7.11B
Interest Expense	268M	313M	373M	602M	851M	368M	167M	316M	1.58B	2.29B
Loan Loss Provision	228M	279M	134M	227M	381M	1.33B	-524M	271M	553M	487M
Non-Interest Income+	2.07B	2.01B	1.95B	2.02B	2.06B	2.38B	2.52B	2.38B	2.26B	2.27B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	5.67B	5.82B	5.93B	6.36B	6.7B	6.64B	6.6B	7.48B	9.15B	9.37B
Revenue Growth %	0.03%	0.03%	0.02%	0.07%	0.05%	-0.01%	-0.01%	0.13%	0.22%	0.02%
Non-Interest Expense	3.65B	3.57B	3.57B	3.58B	3.48B	3.63B	3.75B	4.02B	4.42B	4.24B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.53B	1.66B	1.86B	1.96B	1.99B	1.31B	3.21B	2.88B	2.61B	2.35B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.09%	0.09%	0.12%	0.05%	0.02%	-0.34%	1.45%	-0.11%	-0.09%	-0.1%
Pretax Income+	1.53B	1.66B	1.86B	1.96B	1.99B	1.31B	3.21B	2.88B	2.61B	2.35B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	455M	510M	619M	387M	403M	220M	694M	631M	533M	461M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.06B	1.16B	1.26B	1.76B	1.58B	1.09B	2.52B	2.25B	2.07B	1.89B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.07%	0.1%	0.09%	0.39%	-0.1%	-0.31%	1.3%	-0.11%	-0.08%	-0.09%
Net Income (Continuing)	1.07B	1.15B	1.24B	1.57B	1.58B	1.09B	2.52B	2.25B	2.07B	1.89B
EPS (Diluted)+	0.75	0.87	1.00	1.60	1.50	1.03	2.49	2.28	2.11	1.93
EPS Growth %	-0.06%	0.16%	0.15%	0.6%	-0.06%	-0.31%	1.42%	-0.08%	-0.07%	-0.09%
EPS (Basic)	0.75	0.87	1.01	1.61	1.51	1.03	2.51	2.30	2.11	1.93
Diluted Shares Outstanding	1.33B	1.26B	1.2B	1.1B	999M	962M	963M	942M	938M	918M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	5.31B	5.44B	3.91B	3.54B	4.11B	17.96B	29.41B	11.23B	6.8B	10.71B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	106.81B	106.51B	106.12B	108.55B	108.19B	114.5B	117.88B	125.94B	127.48B	127.97B
Investments Growth %	0.05%	-0%	-0%	0.02%	-0%	0.06%	0.03%	0.07%	0.01%	0%
Long-Term Investments	84.1B	82.73B	82.72B	85.82B	85.58B	87.34B	89.39B	98.01B	99.37B	104.53B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	4.88B	4.9B	4.9B	4.83B	4.84B	5.19B	5.74B	5.73B	5.73B	5.73B
Intangible Assets	511M	545M	513M	533M	450M	418M	723M	1.06B	1.11B	1.18B
PP&E (Net)	2.15B	2.1B	2.06B	2.04B	1.96B	1.9B	1.81B	2.19B	1.64B	1.67B
Other Assets	6.06B	6.16B	6.44B	5.82B	6.32B	7.08B	7.05B	7.61B	8.81B	9.46B
Total Current Assets	28.34B	29.54B	27.65B	26.64B	27.08B	45.46B	58.21B	39.67B	35.52B	34.73B
Total Non-Current Assets	97.71B	96.43B	96.64B	99.05B	99.16B	101.93B	104.73B	115.55B	116.67B	122.58B
Total Assets+	126.05B	125.97B	124.29B	125.69B	126.24B	147.39B	162.94B	155.22B	152.19B	157.3B
Asset Growth %	0.05%	-0%	-0.01%	0.01%	0%	0.17%	0.11%	-0.05%	-0.02%	0.03%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	8.36B	7.76B	8.63B	14.02B	9.93B	3.57B	2.41B	2.28B	2.33B	6.49B
Net Debt	3.04B	2.33B	4.72B	10.49B	5.82B	-14.39B	-27B	-8.94B	-4.47B	-4.22B
Long-Term Debt	8.35B	7.76B	8.13B	12.42B	7.88B	3.57B	2.41B	2.28B	2.33B	5.99B
Short-Term Debt	10M	0	500M	1.6B	2.05B	0	0	0	0	500M
Other Liabilities	2.42B	2.51B	2.58B	2.08B	2.54B	3.23B	3.13B	5.24B	4.58B	5.3B
Total Current Liabilities	98.44B	99.03B	97.39B	96.09B	99.53B	122.48B	139.07B	131.74B	127.79B	128.1B
Total Non-Current Liabilities	10.77B	10.27B	10.71B	14.51B	10.42B	6.8B	5.54B	7.53B	6.91B	11.29B
Total Liabilities	109.21B	109.3B	108.1B	110.6B	109.94B	129.28B	144.61B	139.27B	134.7B	139.39B
Total Equity+	16.84B	16.66B	16.19B	15.09B	16.3B	18.11B	18.33B	15.95B	17.49B	17.91B
Equity Growth %	-0%	-0.01%	-0.03%	-0.07%	0.08%	0.11%	0.01%	-0.13%	0.1%	0.02%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.07%	0.08%	0.11%	0.1%	0.06%	0.14%	0.13%	0.12%	0.11%
Book Value per Share	12.63	13.21	13.52	13.69	16.31	18.83	19.03	16.93	18.65	19.51
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	13M	13M	12M	11M	10M	10M	10M	10M	10M	9M
Additional Paid-in Capital	17.88B	17.09B	15.86B	13.77B	12.69B	12.73B	12.19B	11.99B	11.76B	11.39B
Retained Earnings	-115M	666M	1.63B	2.83B	3.75B	3.77B	5.55B	7B	8.19B	9.06B
Accumulated OCI	-380M	-550M	-749M	-964M	-90M	1.31B	289M	-3.34B	-2.81B	-2.93B
Treasury Stock	-1.38B	-1.38B	-1.38B	-1.37B	-1.37B	-1.37B	-1.37B	-1.37B	-1.37B	-1.37B
Preferred Stock	820M	820M	820M	820M	1.31B	1.66B	1.66B	1.66B	1.66B	1.72B

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	1.6B	2.04B	2.28B	2.27B	2.58B	2.32B	3.03B	3.1B	2.31B	1.6B
Operating CF Growth %	-0.24%	0.27%	0.12%	-0%	0.13%	-0.1%	0.3%	0.02%	-0.26%	-0.31%
Net Income	1.06B	1.16B	1.26B	1.76B	1.58B	1.09B	2.52B	2.25B	2.07B	1.89B
Depreciation & Amortization	523M	574M	537M	462M	426M	421M	371M	353M	236M	144M
Deferred Taxes	201M	67M	209M	226M	62M	0	165M	22M	32M	21M
Other Non-Cash Items	487M	270M	540M	0	196M	230M	267M	756M	540M	567M
Working Capital Changes	-674M	-37M	-252M	-183M	264M	526M	-294M	-274M	-574M	-1.03B
Cash from Investing+	-6.12B	-700M	-801M	-3.04B	509M	-4.85B	-2.87B	-12.94B	-1.61B	-262M
Purchase of Investments	-7.82B	-7.56B	-4.9B	-3.41B	-8.1B	-8.96B	-8.36B	-8.99B	-2.61B	-9.61B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	357M	0	-381M	-1.18B	0	0	0
Other Investing	-5.19B	340M	-339M	-3.73B	-417M	-891M	596M	-9.5B	-1.89B	1.17B
Cash from Financing+	5.86B	-1.2B	-2.97B	327M	-2.51B	16.37B	11.29B	-8.35B	-5.13B	2.58B
Dividends Paid	-368M	-381M	-410M	-516M	-656M	-698M	-716M	-762M	-885M	-994M
Share Repurchases	-623M	-839M	-1.27B	-2.12B	-1.1B	-346M	-467M	-230M	-252M	-348M
Stock Issued	0	0	0	0	0	346M	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	-1000K	-1000K	-1000K	0	0	1000K
Other Financing	4.24B	589M	-2.17B	-2.43B	2.96B	24.99B	13.82B	-7.35B	-3.99B	-212M
Net Change in Cash+	1.31B	137M	-1.47B	-443M	576M	13.84B	11.46B	-18.18B	-4.43B	3.91B
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	4B	5.31B	5.45B	3.98B	3.54B	4.11B	17.96B	29.41B	11.23B	6.8B
Cash at End	5.31B	5.45B	3.98B	3.54B	4.11B	17.96B	29.41B	11.23B	6.8B	10.71B
Interest Paid	0	0	0	0	0	0	0	303M	1.44B	2.22B
Income Taxes Paid	0	0	0	0	0	0	0	336M	376M	64M
Free Cash Flow+	1.23B	1.97B	2.26B	2.2B	2.56B	2.27B	2.96B	2.81B	2.15B	1.45B
FCF Growth %	-0.41%	0.61%	0.14%	-0.02%	0.16%	-0.11%	0.31%	-0.05%	-0.24%	-0.32%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	6.3%	6.94%	7.69%	11.25%	10.08%	6.36%	13.84%	13.1%	12.4%	10.69%
Return on Assets (ROA)	0.86%	0.92%	1.01%	1.41%	1.26%	0.8%	1.62%	1.41%	1.35%	1.22%
Net Interest Margin	2.65%	2.78%	2.91%	2.97%	2.97%	2.64%	2.4%	3.08%	3.5%	3.06%
Efficiency Ratio	64.29%	61.25%	60.1%	56.23%	51.96%	54.66%	56.72%	53.71%	48.25%	45.26%
Equity / Assets	13.36%	13.23%	13.03%	12.01%	12.91%	12.29%	11.25%	10.28%	11.49%	11.39%
Book Value / Share	12.63	13.21	13.52	13.69	16.31	18.83	19.03	16.93	18.65	19.51
NII Growth	1.68%	4.98%	3.23%	3.35%	0.27%	3.98%	0.51%	22.28%	11.16%	-9.44%
Dividend Payout	28.63%	27.26%	27.4%	25.7%	36.47%	54.39%	24.12%	29.53%	37.95%	47.02%

Revenue by Segment

	2020	2021	2022
Consumer Bank	2.27B	2.01B	2.64B
Consumer Bank Growth	-	-11.48%	31.20%
Corporate Bank	1.78B	1.76B	1.96B
Corporate Bank Growth	-	-1.18%	11.29%
Wealth Management	343M	389M	425M
Wealth Management Growth	-	13.41%	9.25%

Frequently Asked Questions

Valuation & Price

Regions Financial Corporation (RF-PF) has a price-to-earnings (P/E) ratio of 13.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Regions Financial Corporation (RF-PF) grew revenue by 2.4% 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 2024 (20.2% net margin).

Dividend & Returns

Yes, Regions Financial Corporation (RF-PF) pays a dividend with a yield of 3.80%. This makes it attractive for income-focused investors.

Regions Financial Corporation (RF-PF) has a return on equity (ROE) of 10.7%. 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 45.3%. This is excellent, indicating strong cost control.

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