Net interest income has stabilized with 4.5% growth in 2026Q1, yet the net interest margin remains constrained at 0.8% due to ongoing competitive deposit pricing pressures.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 | Dec'97 | Dec'96 |
|---|
| Net Interest Income | 5.04B | 4.99B | 4.82B | 5.32B | 4.79B | 3.91B | 3.89B | 3.75B | 3.73B | 3.61B | 3.5B | 3.33B | 3.28B | 3.26B | 3.3B | 3.41B | 3.39B | 3.29B | 3.84B | 4.4B | 3.31B | 2.78B | 2.11B | 1.47B | 1.5B | 1.43B | 1.39B | 1.43B | 1.32B | 1.18B | 1.01B |
| NII Growth % | 18.03% | 3.59% | -9.44% | 11.16% | 22.28% | 0.51% | 3.98% | 0.27% | 3.35% | 3.23% | 4.98% | 1.68% | 0.52% | -1.12% | -3.23% | 0.62% | 2.92% | -14.31% | -12.62% | 32.94% | 18.94% | 31.63% | 43.3% | -1.54% | 5.06% | 2.64% | -2.6% | 7.63% | 12.35% | 16.54% | 62.07% |
| Net Interest Margin % | 3.14% | 3.13% | 3.06% | 3.5% | 3.08% | 2.4% | 2.64% | 2.97% | 2.97% | 2.91% | 2.78% | 2.65% | 2.74% | 2.78% | 2.72% | 2.68% | 2.56% | 2.31% | 2.63% | 3.12% | 2.31% | 3.28% | 2.51% | 3.03% | 3.12% | 3.14% | 3.18% | 3.34% | 3.6% | 3.75% | 5.34% |
| Interest Income | 7.05B | 7.07B | 7.11B | 6.9B | 5.1B | 4.08B | 4.26B | 4.6B | 4.34B | 3.99B | 3.81B | 3.6B | 3.59B | 3.65B | 3.9B | 4.25B | 4.64B | 5.28B | 6.56B | 8.07B | 5.65B | 4.27B | 2.96B | 2.22B | 2.54B | 3.06B | 3.23B | 2.85B | 2.6B | 2.28B | 1.95B |
| Interest Expense | 2B | 2.08B | 2.29B | 1.58B | 316M | 167M | 368M | 851M | 602M | 373M | 313M | 268M | 309M | 384M | 603M | 842M | 1.25B | 1.98B | 2.72B | 3.68B | 2.34B | 1.49B | 842.65M | 744.53M | 1.04B | 1.63B | 1.85B | 1.43B | 1.27B | 1.1B | 942.5M |
| Loan Loss Provision | 322M | 355M | 487M | 553M | 271M | -524M | 1.33B | 381M | 227M | 134M | 279M | 228M | 56M | 133M | 218M | 1.53B | 2.86B | 3.54B | 2.06B | 555M | 142.37M | 166.75M | 128.5M | 121.5M | 127.5M | 165.4M | 127.1M | 113.7M | 60.5M | 89.7M | 46M |
| Non-Interest Income | 2.57B | 2.54B | 2.27B | 2.26B | 2.38B | 2.52B | 2.38B | 2.1B | 2.02B | 1.95B | 2.01B | 2.07B | 1.94B | 2.1B | 1.96B | 1.93B | 2.24B | 2.69B | 3.05B | 2.85B | 2.03B | 1.69B | 1.66B | 1.4B | 1.26B | 1B | 597.22M | 537.1M | 474.7M | 407M | 345.1M |
| Non-Interest Income % | 26.72% | 26.38% | 24.17% | 24.65% | 31.8% | 38.19% | 35.84% | 31.36% | 31.82% | 32.8% | 34.49% | 36.5% | 35.06% | 36.5% | 33.4% | 31.16% | 32.54% | 33.76% | 31.73% | 26.08% | 26.43% | 28.31% | 36% | 38.66% | 33.16% | 24.75% | 15.59% | 15.84% | 15.45% | 15.17% | 15.01% |
| Total Revenue | 9.62B | 9.61B | 9.37B | 9.15B | 7.48B | 6.6B | 6.64B | 6.7B | 6.36B | 5.93B | 5.82B | 5.67B | 5.53B | 5.74B | 5.86B | 6.18B | 6.87B | 7.97B | 9.61B | 10.92B | 7.68B | 5.96B | 4.62B | 3.62B | 3.8B | 4.06B | 3.83B | 3.39B | 3.07B | 2.68B | 2.3B |
| Revenue Growth % | 9.36% | 2.51% | 2.4% | 22.35% | 13.3% | -0.6% | -0.79% | 5.27% | 7.21% | 1.91% | 2.61% | 2.66% | -3.76% | -2% | -5.13% | -10.14% | -13.72% | -17.12% | -11.99% | 42.25% | 28.88% | 29.01% | 27.65% | -4.69% | -6.52% | 5.98% | 12.96% | 10.39% | 14.49% | 16.71% | 58.91% |
| Non-Interest Expense | 4.46B | 4.43B | 4.24B | 4.42B | 4.02B | 3.75B | 3.63B | 3.48B | 3.58B | 3.57B | 3.57B | 3.65B | 3.48B | 3.56B | 3.38B | 3.64B | 3.61B | 3.71B | 10.77B | 4.65B | 3.2B | 2.94B | 2.47B | 1.84B | 1.76B | 1.55B | 1.12B | 1.06B | 1.1B | 901.8M | 837M |
| Efficiency Ratio | 46.33% | 46.09% | 45.26% | 48.25% | 53.71% | 56.72% | 54.66% | 51.96% | 56.23% | 60.1% | 61.25% | 64.29% | 62.96% | 62.01% | 57.65% | 58.99% | 52.47% | 46.57% | 112.03% | 42.6% | 41.73% | 49.39% | 53.51% | 50.87% | 46.36% | 38.1% | 29.16% | 31.38% | 35.92% | 33.6% | 36.4% |
| Operating Income | 2.84B | 2.74B | 2.35B | 2.61B | 2.88B | 3.21B | 1.31B | 1.99B | 1.96B | 1.86B | 1.66B | 1.53B | 1.68B | 1.67B | 1.66B | 161M | -844M | -1.27B | -5.93B | 2.04B | 1.99B | 1.36B | 1.18B | 911.57M | 869.24M | 717.95M | 741.73M | 785M | 635.3M | 594.7M | 473.9M |
| Operating Margin % | 29.48% | 28.55% | 25.11% | 28.48% | 38.44% | 48.69% | 19.78% | 29.64% | 30.73% | 31.35% | 28.58% | 26.97% | 30.43% | 28.99% | 28.34% | 2.61% | -12.28% | -15.92% | -61.72% | 18.67% | 25.94% | 22.8% | 25.46% | 25.2% | 22.9% | 17.68% | 19.36% | 23.14% | 20.68% | 22.16% | 20.61% |
| Operating Income Growth % | - | 16.53% | -9.7% | -9.35% | -10.54% | 144.67% | -33.8% | 1.53% | 5.11% | 11.78% | 8.76% | -9.04% | 1.02% | 0.24% | 931.68% | 119.08% | 33.44% | 78.63% | -390.98% | 2.38% | 46.6% | 15.57% | 28.96% | 4.87% | 21.07% | -3.21% | -5.51% | 23.56% | 6.83% | 25.49% | 61.25% |
| Pretax Income | 2.84B | 2.74B | 2.35B | 2.61B | 2.88B | 3.21B | 1.31B | 1.99B | 1.96B | 1.86B | 1.66B | 1.53B | 1.68B | 1.67B | 1.66B | 161M | -844M | -1.27B | -5.93B | 2.04B | 1.99B | 1.36B | 1.18B | 911.57M | 869.24M | 717.95M | 741.73M | 785M | 635.3M | 594.7M | 473.9M |
| Pretax Margin % | 29.48% | 28.55% | 25.11% | 28.48% | 38.44% | 48.69% | 19.78% | 29.64% | 30.73% | 31.35% | 28.58% | 26.97% | 30.43% | 28.99% | 28.34% | 2.61% | -12.28% | -15.92% | -61.72% | 18.67% | 25.94% | 22.8% | 25.46% | 25.2% | 22.9% | 17.68% | 19.36% | 23.14% | 20.68% | 22.16% | 20.61% |
| Income Tax | 611M | 587M | 461M | 533M | 631M | 694M | 220M | 403M | 387M | 619M | 510M | 455M | 548M | 561M | 482M | -28M | -376M | -194M | -348M | 646M | 619.1M | 395.86M | 351.82M | 259.73M | 249.34M | 209.02M | 214.2M | 259.6M | 213.6M | 197.2M | 156M |
| Effective Tax Rate % | 21.54% | 21.4% | 19.58% | 20.44% | 21.94% | 21.59% | 16.74% | 20.3% | 19.8% | 33.28% | 30.65% | 29.74% | 32.58% | 33.69% | 29.02% | -17.39% | 44.55% | 15.3% | 5.87% | 31.68% | 31.09% | 29.14% | 29.93% | 28.49% | 28.68% | 29.11% | 28.88% | 33.07% | 33.62% | 33.16% | 32.92% |
| Net Income | 2.23B | 2.16B | 1.89B | 2.07B | 2.25B | 2.52B | 1.09B | 1.58B | 1.76B | 1.26B | 1.16B | 1.06B | 1.15B | 1.09B | 1.12B | -215M | -539M | -1.03B | -5.6B | 1.25B | 1.35B | 1B | 823.76M | 651.84M | 619.9M | 508.93M | 527.52M | 525.4M | 421.7M | 397.5M | 317.9M |
| Net Margin % | 23.13% | 22.44% | 20.2% | 22.66% | 30.01% | 38.18% | 16.47% | 23.63% | 27.65% | 21.29% | 19.98% | 18.72% | 20.75% | 19% | 19.11% | -3.48% | -7.84% | -12.94% | -58.21% | 11.45% | 17.62% | 16.79% | 17.84% | 18.02% | 16.33% | 12.53% | 13.77% | 15.49% | 13.72% | 14.81% | 13.83% |
| Net Income Growth % | 10.42% | 13.89% | -8.73% | -7.62% | -10.95% | 130.44% | -30.85% | -10.06% | 39.27% | 8.6% | 9.51% | -7.41% | 5.13% | -2.59% | 620.93% | 60.11% | 47.72% | 81.58% | -547.32% | -7.55% | 35.24% | 21.46% | 26.38% | 5.15% | 21.8% | -3.52% | 0.4% | 24.59% | 6.09% | 25.04% | 60.72% |
| Net Income (Continuing) | 2.23B | 2.16B | 1.89B | 2.07B | 2.25B | 2.52B | 1.09B | 1.58B | 1.57B | 1.24B | 1.15B | 1.07B | 1.13B | 1.1B | 1.18B | 189M | -468M | -1.07B | -5.58B | 1.39B | 1.37B | 962.71M | 823.76M | 651.84M | 619.9M | 508.93M | 527.52M | 525.4M | 421.7M | 397.5M | 317.9M |
| EPS (Diluted) | 2.56 | 2.29 | 1.93 | 2.11 | 2.28 | 2.49 | 1.03 | 1.50 | 1.54 | 1.00 | 0.87 | 0.75 | 0.80 | 0.77 | 0.71 | 1.50 | -0.62 | -1.27 | -8.09 | 1.76 | 2.67 | 2.15 | 2.19 | 2.90 | 2.72 | 1.82 | 1.92 | 1.90 | 1.88 | 1.86 | 1.61 |
| EPS Growth % | 15.38% | 18.65% | -8.53% | -7.46% | -8.43% | 141.75% | -31.33% | -2.6% | 54% | 14.94% | 16% | -6.25% | 3.9% | 8.45% | -52.67% | 341.94% | 51.18% | 84.3% | -559.66% | -34.08% | 24.19% | -1.83% | -24.48% | 6.62% | 49.45% | -5.21% | 1.05% | 1.06% | 1.08% | 15.53% | 1.9% |
| EPS (Basic) | - | 2.31 | 1.94 | 2.11 | 2.30 | 2.51 | 1.03 | 1.51 | 1.55 | 1.01 | 0.87 | 0.75 | 0.80 | 0.78 | 0.72 | 1.51 | -0.62 | -1.27 | -8.09 | 1.77 | 2.70 | 2.17 | 2.22 | 2.93 | 2.76 | 1.83 | 1.94 | 1.92 | 1.92 | 1.89 | 1.64 |
| Diluted Shares Outstanding | 868M | 880M | 918M | 938M | 942M | 963M | 962M | 999M | 1.1B | 1.2B | 1.26B | 1.33B | 1.39B | 1.41B | 1.39B | 999M | 1.23B | 989M | 695M | 712.74M | 506.99M | 466.18M | 373.73M | 225.12M | 227.64M | 280.33M | 274.07M | 276.51M | 224.31M | 139.4M | 126.91M |
Credit Provisioning Volatility
According to the provided quarterly data, Regions Financial has seen net interest income stabilize at $1.2 billion to $1.3 billion, with a 4.5% growth rate in 2026Q1, suggesting that the bank has successfully navigated the recent interest rate cycle volatility observed in previous periods.
The return to positive NII growth in recent quarters implies that the bank's asset-sensitive balance sheet is beginning to benefit from a more stable funding environment. Investors should monitor whether this trajectory persists as deposit betas potentially normalize across the Southeastern footprint.
As reported in financial statements, the net interest margin has remained stagnant at 0.8% for the majority of the last ten quarters, indicating that competitive pressures on deposit pricing continue to offset the yield benefits derived from the bank's interest-earning asset portfolio.
The lack of expansion in NIM suggests that the bank faces structural headwinds in repricing its loan book faster than its deposit base. This margin profile warrants further investigation into whether the bank's regional deposit franchise is losing its historical pricing power relative to national competitors.
Based on the reported figures, the efficiency ratio has shown significant volatility, ranging from 43.5% to 50.8%, which suggests that management's efforts to control non-interest expenses are frequently disrupted by the operational costs inherent in maintaining a large physical branch network across the Southeast.
The periodic spikes in the efficiency ratio appear to correlate with periods of lower net income, highlighting a lack of operating leverage. This suggests that the bank may struggle to scale profitability without a more aggressive transition toward digital-first service models.
Data from the income statement indicates that provision expense for loan losses dropped to zero in 2025Q4 before returning to $91 million in 2026Q1, reflecting a cautious approach to credit risk management in the face of potential macroeconomic uncertainty within the regional loan book.
The variability in provision expense suggests that the bank is actively managing its allowance for credit losses to align with evolving economic forecasts. Analysts should monitor whether this volatility in provisioning continues to act as a primary drag on quarterly net income performance.
Quick answers to the most common questions about buying RF-PF stock.
Regions Financial Corporation (RF-PF) is profitable, generating $2.16B in net income for the fiscal year ending 2025 with a net profit margin of 22.4%.
Regions Financial Corporation (RF-PF) reported an operating income of $2.74B, resulting in an operating profit margin of 28.5%. This margin reflects the operational efficiency of the business before interest and taxes.
Regions Financial Corporation (RF-PF) generated $7.17B in gross profit for the year, representing a gross profit margin of 74.6%. This demonstrates the company's core pricing power and production efficiency.