Regions Financial Corporation (RF) Earnings History
Growth Compounder37 years of earnings data (1989–2025) · Consistent double-digit EPS growth over 5 years
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Regions Financial Corporation (RF) Earnings Overview
As of June 22, 2026, Regions Financial Corporation (RF) reported trailing twelve-month net income of $2.16B, reflecting +18.7% year-over-year growth. The company earned $2.45 per diluted share over the past four quarters, with a net profit margin of 22.4%.
Looking at the long-term picture, RF's 5-year EPS compound annual growth rate (CAGR) stands at +17.3%, indicating exceptional earnings growth. The company achieved its highest annual net income of $2.52B in fiscal 2021.
Regions Financial Corporation maintains industry-leading profitability with a gross margin of 74.6%, operating margin of 28.5%, and net margin of 22.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CFG ($1.83B net income, 16.4% margin), HBAN ($2.21B net income, 17.7% margin), KEY ($1.83B net income, 16.3% margin), RF has outperformed on profitability metrics. Compare RF vs CFG →
RF Earnings vs Peers
Earnings metrics vs comparable public companies
RF Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $2.16B | +13.9% | $2.74B | $2.29 | 22.4% | 28.5% |
| 2024 | $1.89B | -8.7% | $2.35B | $1.93 | 20.2% | 25.1% |
| 2023 | $2.07B | -7.6% | $2.61B | $2.11 | 22.7% | 28.5% |
| 2022 | $2.25B | -10.9% | $2.88B | $2.28 | 30.0% | 38.4% |
| 2021 | $2.52B | +130.4% | $3.21B | $2.49 | 38.2% | 48.7% |
| 2020 | $1.09B | -30.8% | $1.31B | $1.03 | 16.5% | 19.8% |
| 2019 | $1.58B | -10.1% | $1.99B | $1.50 | 23.6% | 29.6% |
| 2018 | $1.76B | +39.3% | $1.96B | $1.54 | 27.7% | 30.7% |
| 2017 | $1.26B | +8.6% | $1.86B | $1.00 | 21.3% | 31.4% |
| 2016 | $1.16B | +9.5% | $1.66B | $0.87 | 20.0% | 28.6% |
| 2015 | $1.06B | -7.4% | $1.53B | $0.75 | 18.7% | 27.0% |
| 2014 | $1.15B | +5.1% | $1.68B | $0.80 | 20.8% | 30.4% |
| 2013 | $1.09B | -2.6% | $1.67B | $0.77 | 19.0% | 29.0% |
| 2012 | $1.12B | +620.9% | $1.66B | $0.71 | 19.1% | 28.3% |
| 2011 | -$215M | +60.1% | $161M | $1.50 | -3.5% | 2.6% |
| 2010 | -$539M | +47.7% | -$844M | $-0.62 | -7.8% | -12.3% |
| 2009 | -$1.03B | +81.6% | -$1.27B | $-1.27 | -12.9% | -15.9% |
| 2008 | -$5.60B | -547.3% | -$5.93B | $-8.09 | -58.2% | -61.7% |
| 2007 | $1.25B | -7.5% | $2.04B | $1.76 | 11.5% | 18.7% |
| 2006 | $1.35B | +35.2% | $1.99B | $2.67 | 17.6% | 25.9% |
| 2005 | $1.00B | +21.5% | $1.36B | $2.15 | 16.8% | 22.8% |
| 2004 | $824M | +26.4% | $1.18B | $2.19 | 17.8% | 25.5% |
| 2003 | $652M | +5.2% | $912M | $2.90 | 18.0% | 25.2% |
| 2002 | $620M | +21.8% | $869M | $2.72 | 16.3% | 22.9% |
| 2001 | $509M | -3.5% | $718M | $1.82 | 12.5% | 17.7% |
| 2000 | $528M | +0.4% | $742M | $1.92 | 13.8% | 19.4% |
| 1999 | $525M | +24.6% | $785M | $1.90 | 15.5% | 23.1% |
| 1998 | $422M | +6.1% | $635M | $1.88 | 13.7% | 20.7% |
| 1997 | $398M | +25.0% | $595M | $1.86 | 14.8% | 22.2% |
| 1996 | $318M | +60.7% | $474M | $1.61 | 13.8% | 20.6% |
| 1995 | $198M | +35.6% | $294M | $1.58 | 13.7% | 20.3% |
| 1994 | $146M | +30.3% | $217M | $1.53 | 15.7% | 23.4% |
| 1993 | $112M | +17.9% | $166M | $1.38 | 16.3% | 24.1% |
| 1992 | $95M | +21.3% | $140M | $1.19 | 14.5% | 21.3% |
| 1991 | $78M | +13.6% | $112M | $1.08 | 11.9% | 17.0% |
| 1990 | $69M | +10.1% | $96M | $0.96 | 11.2% | 15.7% |
| 1989 | $63M | - | $84M | $0.87 | 11.0% | 14.7% |
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RF — Frequently Asked Questions
Quick answers to the most common questions about buying RF stock.
What is RF earnings per share (EPS)?
RF trailing twelve-month (TTM) diluted EPS is $2.45, reflecting +18.7% year-over-year growth. The 5-year EPS CAGR is +17.3%. Complete EPS history from 1989 to 2025 is available in the table on this page.
What is Regions Financial Corporation's net income?
Regions Financial Corporation (RF) trailing twelve-month net income is $2.2B as of 2025. Earnings grew +18.7% year-over-year. Regions Financial Corporation has been profitable for 14 consecutive years.
Is RF profitable?
Yes, RF is profitable with a TTM net income of $2.2B and a net profit margin of +22.4%. Regions Financial Corporation has generated profits for 14 consecutive years.
What is RF's earnings growth rate?
RF compound annual EPS growth rates (CAGR): 1-Year: +18.7%, 3-Year: +0.1%, 5-Year: +17.3%, 10-Year: +11.8%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2025.
What are RF's profit margins?
Regions Financial Corporation net profit margin is +22.4%, operating margin is +28.5%, and gross margin is +74.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +11.7%.
Is RF growing earnings?
Yes, RF earnings are accelerating — EPS growth of +18.7% exceeds the 5-year CAGR of +17.3%. TTM net income reached $2.2B. Earnings momentum is strengthening.
What was RF's best earnings year?
Regions Financial Corporation's highest annual net income on record is $2.5B, achieved in fiscal year 2021. Earnings history on this page spans 1989 to 2025 and includes all annual and quarterly figures.
What were RF's earnings last quarter?
RF's most recent reported quarter was Q4 2025. Net income was $534M with diluted EPS of $0.58. For a full breakdown of all quarters, see the quarterly earnings table on this page.