NYSE : RF
Regions Financial Corporation — Financial statements
Financials · Banks - Regional · United States
Last price 28.57 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 24.28B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 5.43B | 5.50B | 5.77B | 5.77B | 4.12B | 3.49B |
| Interest Income on Investments | 1.57B | 1.57B | 1.34B | 1.12B | 978.00M | 592.00M |
| Total Interest Income | 7.00B | 7.07B | 7.11B | 6.90B | 5.10B | 4.08B |
| Interest Paid on Deposits | 1.57B | 1.77B | 1.97B | 1.25B | 197.00M | 64.00M |
| Interest Paid on Borrowings | 325.00M | 316.00M | 319.00M | 322.00M | 119.00M | 103.00M |
| Total Interest Expense | 1.90B | 2.08B | 2.29B | 1.58B | 316.00M | 167.00M |
| Net Interest Income | 5.10B | 4.99B | 4.82B | 5.32B | 4.79B | 3.91B |
| Trust Income | 398.00M | 362.00M | 338.00M | 313.00M | 297.00M | 278.00M |
| Mortgage Banking Activities | 129.00M | 158.00M | 146.00M | 109.00M | 156.00M | 242.00M |
| Gain (Loss) on Sale of Investments | -59.00M | -53.00M | -208.00M | -5.00M | -1.00M | 6.00M |
| Other Non-Interest Income | 1.44B | 1.43B | 1.38B | 1.25B | 1.29B | 1.35B |
| Total Non-Interest Income | 2.57B | 2.54B | 2.27B | 2.26B | 2.38B | 2.52B |
| Revenues Before Loan Losses | 7.67B | 7.53B | 7.08B | 7.58B | 7.17B | 6.44B |
| Provision for Loan Losses | 342.00M | 470.00M | 487.00M | 553.00M | 271.00M | -524.00M |
| Revenue | 7.33B | 7.06B | 6.60B | 7.02B | 6.89B | 6.96B |
| Salaries and Employee Benefits | 2.65B | 2.55B | 2.46B | 2.35B | 2.26B | 2.14B |
| Occupancy Expenses | 208.00M | 203.00M | 192.00M | 204.00M | 214.00M | 216.00M |
| Selling, General & Administrative | 709.00M | 688.00M | 675.00M | 668.00M | 640.00M | 615.00M |
| Other Non-Interest Expense | 840.00M | 880.00M | 916.00M | 1.19B | 953.00M | 728.00M |
| Total Non-Interest Expense | 4.40B | 4.32B | 4.24B | 4.41B | 4.07B | 3.70B |
| EBT Excluding Unusual Items | 2.93B | 2.74B | 2.36B | 2.61B | 2.83B | 3.26B |
| Other Unusual Items | 2.00M | 4.00M | -18.00M | |||
| Pretax Income | 2.93B | 2.74B | 2.35B | 2.61B | 2.88B | 3.21B |
| Income Tax Expense | 633.00M | 587.00M | 461.00M | 533.00M | 631.00M | 694.00M |
| Earnings From Continuing Operations | 2.29B | 2.16B | 1.89B | 2.07B | 2.25B | 2.52B |
| Net Income | 2.29B | 2.16B | 1.89B | 2.07B | 2.25B | 2.52B |
| Preferred Dividends & Other Adjustments | 81.00M | 95.00M | 119.00M | 98.00M | 99.00M | 121.00M |
| Net Income to Common | 2.21B | 2.06B | 1.77B | 1.98B | 2.15B | 2.40B |
| Basic Shares Outstanding | 860.50M | 892.00M | 916.00M | 936.00M | 935.00M | 956.00M |
| Diluted Shares Outstanding | 864.50M | 896.00M | 918.00M | 938.00M | 942.00M | 963.00M |
| EPS (Basic) | 2.57 | 2.31 | 1.94 | 2.11 | 2.30 | 2.51 |
| EPS (Diluted) | 2.55 | 2.30 | 1.93 | 2.11 | 2.28 | 2.49 |
| Dividend Per Share | 1.09 | 1.03 | 0.98 | 0.88 | 0.74 | 0.65 |
| Effective Tax Rate | 21.63% | 21.40% | 19.58% | 20.45% | 21.94% | 21.59% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 2.87B | 3.31B | 10.71B | 2.63B | 2.00B | 1.35B |
| Investment Securities | 7.46B | 6.03B | 5.59B | 5.83B | 5.17B | 4.33B |
| Trading Asset Securities | 1.33B | 1.82B | 2.10B | 2.61B | 1.11B | |
| Mortgage-Backed Securities | 31.45B | 29.90B | 27.54B | 25.52B | 25.55B | 26.77B |
| Total Investments | 38.91B | 37.27B | 34.95B | 33.45B | 33.33B | 32.21B |
| Gross Loans | 99.83B | 95.64B | 96.73B | 98.38B | 97.01B | 87.78B |
| Allowance for Loan Losses | -1.49B | -1.56B | -1.61B | -1.58B | -1.46B | -1.48B |
| Net Loans | 98.34B | 94.08B | 95.11B | 96.80B | 95.55B | 86.31B |
| Property, Plant & Equipment | 1.71B | 2.12B | 2.13B | 2.10B | 2.19B | 2.36B |
| Goodwill | 5.75B | 5.73B | 5.73B | 5.73B | 5.73B | 5.74B |
| Other Intangible Assets | 120.00M | 140.00M | 169.00M | 205.00M | 249.00M | 305.00M |
| Loans Held for Sale | 491.00M | 511.00M | 594.00M | 400.00M | 354.00M | 1.00B |
| Accrued Interest Receivable | 506.00M | 571.00M | 572.00M | 614.00M | 511.00M | 319.00M |
| Restricted Cash | 7.60B | 4.17B | 9.23B | 28.06B | ||
| Other Real Estate Owned & Foreclosed | 20.00M | 17.00M | 14.00M | 15.00M | 13.00M | 10.00M |
| Other Long-Term Assets | 14.50B | 7.36B | 7.17B | 6.05B | 6.05B | 5.26B |
| Total Assets | 163.21B | 158.81B | 157.30B | 152.19B | 155.22B | 162.94B |
| Interest Bearing Deposits | 88.73B | 89.00B | 85.67B | 82.82B | 80.39B | 80.13B |
| Institutional Deposits | 2.60B | 2.80B | 2.60B | 571.00M | ||
| Non-Interest Bearing Deposits | 40.78B | 39.53B | 39.14B | 42.37B | 51.35B | 58.37B |
| Total Deposits | 129.51B | 131.13B | 127.60B | 127.79B | 131.74B | 139.07B |
| Short-Term Borrowings | 4.50B | 2.19B | 3.05B | 2.69B | 3.38B | 1.01B |
| Current Portion of Long-Term Debt | 900.00M | 100.00M | ||||
| Current Portion of Leases | 91.00M | |||||
| Long-Term Debt | 5.98B | 3.13B | 3.09B | 2.23B | 2.28B | 2.41B |
| Federal Home Loan Bank Debt, Long-Term | 1.00B | 2.00B | ||||
| Long-Term Leases | 448.00M | 527.00M | 535.00M | 553.00M | 529.00M | |
| Pension & Post-Retirement Benefits | 68.00M | 74.00M | 82.00M | 127.00M | 156.00M | |
| Other Long-Term Liabilities | 5.25B | 1.65B | 2.14B | 1.27B | 1.18B | 1.44B |
| Total Liabilities | 145.25B | 139.71B | 139.39B | 134.70B | 139.27B | 144.61B |
| Preferred Stock, Redeemable | 1.37B | 1.37B | 1.72B | 1.66B | 1.66B | 1.66B |
| Common Stock | 9.00M | 9.00M | 9.00M | 10.00M | 10.00M | 10.00M |
| Additional Paid-In Capital | 9.84B | 10.37B | 11.39B | 11.76B | 11.99B | 12.19B |
| Retained Earnings | 11.20B | 10.21B | 9.06B | 8.19B | 7.00B | 5.55B |
| Treasury Stock | -1.37B | -1.37B | -1.37B | -1.37B | -1.37B | -1.37B |
| Comprehensive Income & Other | -3.20B | -1.53B | -2.93B | -2.81B | -3.34B | 289.00M |
| Total Common Equity | 16.48B | 17.67B | 16.16B | 15.77B | 14.29B | 16.67B |
| Minority Interest | 119.00M | 60.00M | 31.00M | 64.00M | 4.00M | |
| Shareholders' Equity | 17.97B | 19.10B | 17.91B | 17.49B | 15.95B | 18.33B |
| Total Liabilities & Equity | 163.21B | 158.81B | 157.30B | 152.19B | 155.22B | 162.94B |
| Total Debt | 10.48B | 6.87B | 9.57B | 5.56B | 6.21B | 3.95B |
| Net Cash (Debt) | -153.00M | -2.23B | 2.96B | -816.00M | -1.61B | -1.49B |
| Net Cash Per Share | -0.18 | -2.48 | 3.22 | -0.87 | -1.71 | -1.54 |
| Filing Date Shares Outstanding | 850.00M | 863.51M | 905.47M | 918.86M | 934.56M | 937.15M |
| Total Common Shares Outstanding | 850.00M | 867.01M | 908.48M | 922.34M | 934.49M | 941.91M |
| Book Value Per Share | 19.39 | 20.38 | 17.79 | 17.10 | 15.29 | 17.69 |
| Tangible Book Value | 10.61B | 11.80B | 10.26B | 9.83B | 8.31B | 10.62B |
| Tangible Book Value Per Share | 12.48 | 13.61 | 11.30 | 10.66 | 8.89 | 11.27 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 2.16B | 1.89B | 2.07B | 2.25B | 2.52B | |
| Depreciation & Amortization | 84.00M | 144.00M | 236.00M | 353.00M | 371.00M | |
| Gain (Loss) on Sale of Investments | 53.00M | 208.00M | 5.00M | 1.00M | -3.00M | |
| Provision for Credit Losses | 470.00M | 487.00M | 553.00M | 271.00M | -524.00M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 113.00M | -190.00M | -56.00M | 591.00M | 981.00M | |
| Accrued Interest Receivable | 251.00M | -831.00M | 194.00M | -2.24B | -231.00M | |
| Change in Other Net Operating Assets | -983.00M | -196.00M | -768.00M | 1.97B | -63.00M | |
| Other Operating Activities | 121.00M | 132.00M | 115.00M | -55.00M | 251.00M | |
| Operating Cash Flow | 2.18B | 1.60B | 2.31B | 3.10B | 3.03B | |
| Cash Acquisitions | -1.18B | |||||
| Investment in Securities | -1.96B | -1.28B | 437.00M | -3.15B | -2.21B | |
| Purchase / Sale of Intangibles | -30.00M | -146.00M | -157.00M | -288.00M | -72.00M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 718.00M | 1.32B | -1.70B | -9.41B | 689.00M | |
| Other Investing Activities | -150.00M | -158.00M | -191.00M | -94.00M | -93.00M | |
| Investing Cash Flow | -1.42B | -262.00M | -1.61B | -12.94B | -2.87B | |
| Short-Term Debt Issued | 250.00M | 500.00M | ||||
| Long-Term Debt Issued | 3.74B | 2.00B | 647.00M | |||
| Total Debt Issued | 250.00M | 4.24B | 2.00B | 647.00M | ||
| Short-Term Debt Repaid | -102.00M | |||||
| Long-Term Debt Repaid | -1.90B | -100.00M | -2.00B | -1.78B | ||
| Total Debt Repaid | -1.90B | -100.00M | -2.00B | -1.88B | ||
| Net Debt Issued (Repaid) | -1.65B | 4.14B | -1.23B | |||
| Repurchase of Common Stock | -1.09B | -375.00M | -287.00M | -254.00M | -489.00M | |
| Preferred Stock Issued | 489.00M | 390.00M | ||||
| Preferred Share Repurchases | -350.00M | -500.00M | -500.00M | |||
| Common Dividends Paid | -912.00M | -890.00M | -787.00M | -663.00M | -608.00M | |
| Preferred Dividends Paid | -91.00M | -104.00M | -98.00M | -99.00M | -108.00M | |
| Total Dividends Paid | -1.00B | -994.00M | -885.00M | -762.00M | -716.00M | |
| Net Increase (Decrease) in Deposit Accounts | 3.52B | -185.00M | -3.96B | -7.33B | 13.84B | |
| Other Financing Activities | 3.00M | |||||
| Financing Cash Flow | -568.00M | 2.58B | -5.13B | -8.35B | 11.29B | |
| Net Cash Flow | 195.00M | 3.91B | -4.43B | -18.18B | 11.46B | |
| Cash Interest Paid | 2.15B | 2.22B | 1.44B | 303.00M | 185.00M | |
| Cash Income Tax Paid | 178.00M | 64.00M | 376.00M | 336.00M | 367.00M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 24.56B | 23.76B | 21.38B | 18.02B | 20.15B | 20.78B |
| Last Close Price | 28.57 | 26.32 | 21.89 | 17.24 | 18.28 | 17.86 |
| PE Ratio | 11.34 | 11.53 | 12.05 | 9.12 | 9.39 | 8.66 |
| PS Ratio | 3.31 | 3.37 | 3.24 | 2.57 | 2.92 | 2.99 |
| PB Ratio | 1.47 | 1.24 | 1.19 | 1.03 | 1.26 | 1.13 |
| P/OCF Ratio | 13.66 | 10.90 | 13.38 | 7.81 | 6.50 | 6.86 |
| Debt / Equity Ratio | 0.58 | 0.36 | 0.53 | 0.32 | 0.39 | 0.21 |
| Net Debt / Equity Ratio | 0.01 | 0.12 | -0.17 | 0.05 | 0.10 | 0.08 |
| Return on Equity (ROE) | 12.38% | 11.65% | 10.69% | 12.40% | 13.10% | 13.84% |
| Return on Assets (ROA) | 1.42% | 1.36% | 1.22% | 1.35% | 1.41% | 1.62% |
| Earnings Yield | 8.82% | 9.07% | 8.86% | 11.51% | 11.14% | 12.13% |
| Dividend Yield | 4.15% | 3.76% | 4.17% | 4.50% | 3.43% | 2.95% |
| Payout Ratio | 47.08% | 46.52% | 52.51% | 42.67% | 33.94% | 28.40% |
| Buyback Yield / Dilution | 4.50% | 2.40% | 2.13% | 0.43% | 2.18% | -0.10% |
| Total Shareholder Return | 8.70% | 6.16% | 6.30% | 4.93% | 5.61% | 2.84% |