Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Regions Financial Corporation's quarterly P/E stands at 11.7x, up 11.2% year-over-year — indicating the stock has re-rated higher or earnings have softened.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.50 | 11.68 | 10.81 | 9.97 | 10.65 | 10.50 | 11.90 | 9.63 | 14.22 | 12.42 | 8.78 | 7.55 | 7.48 |
| — | +11.2% | -9.2% | +3.4% | -25.1% | -15.5% | +35.6% | +27.6% | +90.0% | +61.3% | -24.8% | -5.0% | -26.0% | |
| P/S Ratio | 2.62 | 2.48 | 2.40 | 2.18 | 2.14 | 2.25 | 2.24 | 1.99 | 2.12 | 1.94 | 1.73 | 1.81 | 2.01 |
| — | +9.8% | +7.3% | +9.2% | +0.6% | +16.4% | +29.1% | +10.3% | +5.6% | -18.0% | -28.4% | -26.4% | -37.6% | |
| P/B Ratio | 1.32 | 1.25 | 1.23 | 1.13 | 1.07 | 1.20 | 1.14 | 1.07 | 1.14 | 1.03 | 1.00 | 1.00 | 1.03 |
| — | +3.9% | +8.0% | +5.8% | -6.3% | +16.5% | +14.1% | +6.5% | +9.9% | -18.9% | -19.4% | -5.9% | -16.7% | |
| P/FCF | 11.55 | — | 6.91 | 9.47 | 4.66 | — | 4.28 | 29.86 | 17.53 | 5.41 | 5.30 | 11.13 | 24.56 |
| — | — | +61.3% | -68.3% | -73.4% | — | -19.1% | +168.4% | -28.6% | +33.3% | -67.1% | +90.9% | +140.0% | |
| EV / EBITDA | 6.83 | 6.10 | 9.12 | 5.27 | 4.46 | 6.38 | 7.17 | 5.82 | 6.10 | 6.48 | 4.96 | 4.48 | 3.80 |
| — | -4.3% | +27.2% | -9.6% | -26.9% | -1.5% | +44.7% | +30.0% | +60.5% | +114.8% | +133.6% | +2794.7% | +371.4% | |
| EV / EBIT | 6.99 | 6.29 | 9.39 | 5.41 | 4.62 | 6.58 | 7.57 | 6.21 | 6.73 | 7.20 | 5.43 | 4.86 | 4.11 |
| — | -4.4% | +24.0% | -12.9% | -31.4% | -8.6% | +39.5% | +27.8% | +64.0% | +121.5% | +123.0% | +2685.1% | +355.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Regions Financial Corporation's operating margin was 29.4% in Q4 2025, up 0.6 pp QoQ and up 1.9 pp YoY. Gross margin expanded 12.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.6% | 79.8% | 73.8% | 73.2% | 71.7% | 71.0% | 70.1% | 70.6% | 69.7% | 71.0% | 73.4% | 79.4% | 83.5% |
| — | +12.3% | +5.2% | +3.7% | +2.8% | -0.0% | -4.5% | -11.1% | -16.5% | -19.1% | -17.4% | -15.5% | -16.5% | |
| Operating Margin | 28.5% | 29.4% | 28.8% | 29.1% | 26.8% | 27.5% | 25.4% | 27.1% | 20.3% | 20.2% | 26.5% | 31.4% | 36.3% |
| — | +6.8% | +13.5% | +7.2% | +32.2% | +36.1% | -4.2% | -13.9% | -44.1% | -50.2% | -8.0% | -23.7% | -15.5% | |
| Net Margin | 22.4% | 22.2% | 23.2% | 23.2% | 21.2% | 22.4% | 20.5% | 21.7% | 16.1% | 16.8% | 21.0% | 25.1% | 28.1% |
| — | -0.9% | +13.1% | +6.7% | +31.5% | +33.3% | -2.5% | -13.5% | -42.8% | -47.4% | -4.6% | -22.7% | -16.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.7% | 2.8% | 3.0% | 3.0% | 2.7% | 2.9% | 2.7% | 2.9% | 2.1% | 2.3% | 3.0% | 3.5% | 3.7% |
| — | -4.1% | +10.4% | +3.4% | +26.2% | +25.3% | -8.7% | -15.6% | -42.9% | -47.2% | +10.4% | -0.6% | +20.0% | |
| ROA | 1.4% | 0.3% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.4% | 0.4% |
| — | -1.5% | +13.4% | +8.8% | +28.9% | +32.7% | -0.7% | -13.5% | -39.4% | -41.6% | +17.7% | +4.5% | +18.1% | |
| ROIC | 8.5% | 2.2% | 2.2% | 2.2% | 1.9% | 1.9% | 1.9% | 2.1% | 1.7% | 1.7% | 2.0% | 2.4% | 3.0% |
| — | +11.0% | +16.2% | +2.8% | +12.6% | +16.3% | -7.1% | -12.3% | -43.7% | -54.4% | -13.8% | -16.9% | +14.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Regions Financial Corporation's Debt/EBITDA ratio is 6.7x, down from 8.3x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 10.6% YoY to 0.30x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.26 | 0.26 | 0.32 | 0.28 | 0.32 | 0.36 | 0.40 | 0.33 | 0.25 | 0.13 | 0.39 | 0.44 | 0.25 |
| — | -29.5% | -20.6% | -13.2% | +27.9% | +172.2% | +2.9% | -25.7% | -0.6% | -7.0% | +160.3% | +211.6% | +84.7% | |
| Debt / EBITDA | 1.74 | 6.69 | 8.35 | 7.28 | 9.36 | 9.58 | 11.71 | 8.40 | 8.45 | 4.45 | 9.28 | 9.24 | 5.06 |
| — | -30.1% | -28.7% | -13.3% | +10.8% | +115.4% | +26.2% | -9.1% | +67.2% | +83.2% | +163.1% | +233.2% | +74.1% | |
| Current Ratio | 0.30 | 0.30 | 9.75 | 0.27 | 0.29 | 0.27 | 0.29 | 0.28 | 0.29 | 0.28 | 0.26 | 0.27 | 0.26 |
| — | +10.6% | +3270.0% | -2.2% | +0.9% | -2.5% | +12.8% | +3.2% | +8.8% | -7.7% | -16.0% | -21.3% | -32.1% | |
| Quick Ratio | 0.30 | 0.30 | 9.75 | 0.27 | 0.29 | 0.27 | 0.29 | 0.28 | 0.29 | 0.28 | 0.26 | 0.27 | 0.26 |
| — | +10.6% | +3270.0% | -2.2% | +0.9% | -2.5% | +12.8% | +3.2% | +8.8% | -7.7% | -16.0% | -21.3% | -32.1% | |
| Interest Coverage | 1.32 | 1.45 | 1.31 | 1.34 | 1.17 | 1.15 | 1.01 | 1.09 | 0.86 | 0.91 | 1.30 | 2.03 | 3.52 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Regions Financial Corporation's current P/E is 12.5x. The average P/E over the last 4 quarters is 10.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Regions Financial Corporation's current operating margin is 28.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Regions Financial Corporation's business trajectory between earnings reports.