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Friday 6 November 2026 Export RF’s income statement to Excel — free account

Regions Financial Corporation

RF Financial Banks Regional

Regions Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $9.6 billion, up 2.51% from fiscal 2024.

Revenue
+0.16%
EPS
+16.1%
Free cash flow
−39.6%
Total debt
+25.0%

Quarter to September 2026, against a year earlier

28.44 0.59 −2.03%
Market cap
$24.2B
P/E
11.0×
Fwd P/E
10.7×
Dividend yield
3.85%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Valuation Filings

Insider Decisions last twelve months

Sold, $m 1.23
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — 1 — — — 1 — — — 1 — —
Insider Ownership 0.31%

Capital & Financial Ratios $m

Size
Market Cap 24,200.00
Revenue ttm 9,572.00
Net income ttm 2,232.00
Free cash flow ttm 1,640.00
Net debt Q (4,347.00)
Valuation
P/E 11.02
Forward P/E 10.70
Price / sales 2.53
Forward P/S Powerpack
Price / FCF 14.77
Price / book 1.46
Financial health
Current ratio Q 0.82
Debt / equity Q 0.33
Interest coverage Q —
Growth
Revenue growth Q +0.16% (above 0%: growing)
Operating income growth Q +11.16% (above 0%: growing)
EPS, this year +16.15% (at or above 15%: strong)
EPS, next year A +5.60%
Revenue, next year A −18.52% (below 0%: weak)
EPS, past 5 yrs +17.43% (at or above 15%: strong)
EPS, next 5 yrs A +10.24%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 47.71%
10-year low 10-year high
P/S against its own 10 years 51.85%
10-year low 10-year high
P/B against its own 10 years 92.56%
10-year low 10-year high

Dividends raised every year since 2017

Yield
3.85%
Annual rate
1.10
Payout ratio
42.9%
Growth, 2017–25
+16.0%/yr
  1. 0.32 ’17
  2. 0.46 ’18 +46
  3. 0.59 ’19 +28
  4. 0.62 ’20 +5
  5. 0.65 ’21 +5
  6. 0.74 ’22 +14
  7. 0.88 ’23 +19
  8. 0.98 ’24 +11
  9. 1.03 ’25 +5
  10. 1.13 ’26e +10
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 6,801 10,712 10,907 10,329
Receivables — — — —
Inventory — — — —
Other — — — —
104,618 106,992 106,070 109,664
2023 2024 2025 Q'26
Payables 127,788 127,603 131,128 129,510
ST’ Debt — — — —
Other — — — —
127,788 128,103 131,878 134,010

Compound Annual Growth %

10y 5y 3y
Sales 5.41% 7.62% 8.46%
Cash Flow 3.15% (1.26%) (11.08%)
Earnings 7.52% 15.77% (1.34%)
Book Value 1.27% 1.07% 6.20%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.67 Actual 0.73

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.61 0.57 Miss by 0.04
Q1 FY26 0.61 0.62 Beat by 0.01
Q2 FY26 0.64 0.68 Beat by 0.04
Q3 FY26 0.67 0.73 Beat by 0.06
Q4 FY26 0.70 — Reports 15 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.62 0.64 0.71 — —
’25 0.51 0.59 0.61 0.58 2.30
’24 0.37 0.52 0.49 0.56 1.93
’23 0.62 0.59 0.49 0.39 2.11
’22 0.55 0.59 0.43 0.70 2.28
’21 0.63 0.77 0.65 0.43 2.49
’20 0.14 (0.25) 0.52 0.61 1.03
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 2,327 2,378 2,459 — —
’25 2,315 2,430 2,455 2,408 9,608
’24 2,287 2,307 2,392 2,387 9,373
’23 2,175 2,315 2,332 2,331 9,153
’22 1,636 1,795 1,948 2,152 7,531
’21 1,654 1,625 1,655 1,671 6,605
’20 1,564 1,636 1,714 1,741 6,655
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 867 369 — — —
’25 1,066 573 861 (319) 2,181
’24 396 161 1,261 (220) 1,598
’23 196 397 860 855 2,308
’22 584 921 321 1,276 3,102
’21 719 709 841 761 3,030
’20 787 857 681 (1) 2,324
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 801 294 — — —
’25 964 487 822 (277) 1,996
’24 273 111 1,193 (299) 1,278
’23 145 337 720 763 1,965
’22 483 747 272 1,222 2,724
’21 681 673 803 710 2,867
’20 740 800 654 (63) 2,131
Fiscal quarters ending in the months shown.

Valuation

The price implies the dividend a share growing 28.0% a year for ten years. It grew 16.2% a year over the last ten.

Implied
28.0%
10 years, reported
16.2%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 5,825 5,949 6,356 6,712 6,655 6,605 7,531 9,153 9,373 9,608 9,572 +5.7% 7,829 8,233 8,579 (3.7%)
Gross margin, % 92.86 92.47 90.53 87.32 94.47 97.47 95.80 82.77 75.57 78.33 80.17 (14.5) pt
EBT 1,664 1,860 1,955 1,985 1,314 3,215 2,876 2,607 2,354 2,743 2,927 +5.7%
EBT margin, % 28.57 31.27 30.76 29.57 19.74 48.68 38.19 28.48 25.11 28.55 30.58 0.0 pt
Net income 1,163 1,263 1,759 1,582 1,094 2,521 2,245 2,074 1,893 2,156 2,232 +7.1%
Per share, $
Per share, $ Revenue 4.64 5.02 5.82 6.75 6.94 6.91 8.05 9.78 10.23 10.77 11.23 +9.8%
Earnings 0.87 1.01 1.55 1.51 1.03 2.51 2.29 2.14 1.94 2.31 2.58 +11.5%
Cash flow 1.62 1.94 2.08 2.59 2.42 3.17 3.32 2.47 1.74 2.45 0.00 +4.7%
Capex (0.05) (0.16) (0.20) (0.20) (0.20) (0.17) (0.40) (0.37) (0.35) (0.21) 0.00 +16.9%
Free cash flow 1.57 1.78 1.88 2.39 2.22 3.00 2.91 2.10 1.40 2.24 0.00 +4.0%
Book value 13.28 13.65 13.82 16.38 18.89 19.17 17.06 18.69 19.55 21.42 21.09 +5.5%
Shares, m 1,255 1,186 1,092 995 959 956 935 936 916 892 865 (3.7%)
Valuation, ×
Valuation, × P/E 16.59 17.03 8.63 11.36 15.65 8.69 9.33 9.24 12.12 11.73 11.02 12.0
P/S 3.11 3.46 2.30 2.54 2.32 3.16 2.67 1.99 2.30 2.52 2.53 2.6
P/B 1.14 1.34 1.02 1.14 0.94 1.25 1.40 1.15 1.33 1.36 1.46 1.2
EV/Sales 3.48 4.16 3.70 3.10 0.16 (0.93) 1.48 1.51 1.80 1.81 — 2.0
EV/FCF 12.01 11.75 11.45 8.76 0.50 (2.15) 4.09 7.01 13.17 8.72 — 7.5
Cash, $m
Cash, $m Operating cash flow 2,037 2,297 2,275 2,581 2,324 3,030 3,102 2,308 1,598 2,181 1,778 +0.8%
Capex (64) (191) (222) (202) (193) (163) (378) (343) (320) (185) (138) +12.5%
Free cash flow 1,973 2,106 2,053 2,379 2,131 2,867 2,724 1,965 1,278 1,996 1,640 +0.1%
Balance, $m
Balance, $m Working capital (13,419) (13,710) (9,562) (12,318) (19,173) (22,034) (24,106) (23,170) (21,111) (25,808) (24,346) +7.5%
Net debt 2,188 4,151 8,886 3,765 (14,387) (27,004) (8,943) (4,471) (4,719) (6,773) (4,347) n/m
Shareholders’ equity 16,664 16,192 15,090 16,295 18,111 18,326 15,951 17,493 17,910 19,103 17,966 +1.5%
Returns, %
Returns, % ROA 0.87 0.96 1.36 1.19 0.72 1.55 1.35 1.29 1.15 1.30 1.37 +0.4 pt
ROIC 5.52 5.71 5.10 6.18 22.05 0.00 25.65 12.51 11.15 13.90 13.43 +8.4 pt
ROE 6.90 7.68 11.44 10.28 6.30 14.49 13.86 13.12 11.08 12.15 12.90 +5.2 pt
People
People Employees 22,166 21,714 19,969 19,564 19,406 19,626 20,073 20,101 19,644 19,969 — (1.2%)
Revenue/emp, $m 0.26 0.27 0.32 0.34 0.34 0.34 0.38 0.46 0.48 0.48 — +7.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Business profile

Updated

Regions Financial Corporation is a financial holding company headquartered in Birmingham, Alabama. It operates Regions Bank, an Alabama state-chartered commercial bank and Federal Reserve System member, and provides banking and financial services to retail customers, homeowners, businesses, commercial clients, and wealth and investment clients.

Its core offerings include consumer and mortgage banking, commercial banking, and wealth and investment services. In plain terms, it takes deposits, makes loans, provides payment and cash-management services, and offers investment, brokerage, insurance, and advisory services. Its three reportable segments are Corporate Bank, Consumer Bank, and Wealth Management; remaining activities are reported in Other.

Regions Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HBAN Huntington Bancshares Incorporated $31.5B 12.5× 12.1× +27.35% (above 0%: growing) −17.07% (below 0%: shrinking) +53.14% (above 0%: growing) 67.89% 0.00% Compare
SHG Shinhan Financial Group Co Ltd $29.2B 8.5× 7.3× +27.14% (above 0%: growing) +10.37% (above 0%: growing) +120.93% (above 0%: growing) 63.24% 0.00% Compare
BBDO Banco Bradesco SA $28.5B 5.2× — +16.65% (above 0%: growing) +44.44% (above 0%: growing) +1,455.10% (above 0%: growing) 34.57% 0.00% Compare
BAP Credicorp Ltd. $27.6B 12.9× 11.7× +12.23% (above 0%: growing) +16.83% (above 0%: growing) +76.09% (above 0%: growing) 82.34% 0.00% Compare
CFG Citizens Financial Group, Inc. $26.8B 12.8× 12.0× +5.83% (above 0%: growing) +33.96% (above 0%: growing) −75.86% (below 0%: shrinking) 71.05% 0.00% Compare
FCNCA First Citizens BancShares, Inc. $25.5B 12.3× 11.9× +0.11% (above 0%: growing) +31.07% (above 0%: growing) +28.65% (above 0%: growing) 67.05% 0.00% Compare
RF Regions Financial Corporation $24.2B 11.0× 10.7× +0.16% (above 0%: growing) +16.13% (above 0%: growing) −39.63% (below 0%: shrinking) 80.24% 0.00%
KEY KeyCorp $22.1B 11.5× 11.2× +1.55% (above 0%: growing) +24.39% (above 0%: growing) +85.68% (above 0%: growing) 71.05% 0.00% Compare
BCH Banco De Chile $19.6B 14.0× 14.3× +11.52% (above 0%: growing) +4.13% (above 0%: growing) +134.20% (above 0%: growing) 75.90% 0.00% Compare
Median of peers $27.2B 12.4× 11.9× +11.88% +20.61% +80.89% 69.47% 0.00%

All 327 Banks Regional stocks →

From the latest earnings call

Updated

  • Chief Financial Officer Anil Chadha said asset repricing and the deposit mix should support Regions’ net interest margin into 2027.
  • CEO John Turner said commercial lending continued to grow, while rising costs were slowing new investor-real-estate activity.

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 84.69%
Held by the ten largest 44.87%
Holder Shares Stake Change
Vanguard 104.92m 12.32% −655.78k
BlackRock 81.33m 9.55% −891.92k
State Street 50.67m 5.95% +2.95m
Charles Schwab 27.77m 3.26% +2.20m
Geode Capital Management 24.13m 2.83% +40.95k
Wellington Management 20.99m 2.46% −15.14m
Invesco 18.59m 2.18% +720.58k
First Trust 18.54m 2.18% +5.19m
JPMorgan Chase 17.98m 2.11% −36.85k
Victory Capital 17.36m 2.04% +2.09m
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Pay and ownership Proxy statement filed 23 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 10.53m 13.18m 171.00
2024 9.22m 7.86m 134.00
2023 14.55m 11.38m 143.00
2022 14.27m 14.65m 139.00

Ownership

Directors and executive officers, together less than 1%
The Vanguard Group, Inc. (and subsidiaries)100 Vanguard Blvd.Malvern, Pennsylvania 13.58%
BlackRock, Inc. (and subsidiaries)50 Hudson YardsNew York, New York 10.15%
State Street Corporation (and subsidiaries)1 Congress Street, Suite 6.64%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Regions Financial Corporation (RF) Latest News

27 Oct

Impact 4 · · Business Wire

22 Oct

Impact 3 · · Business Wire

21 Oct

Impact 3 · · Zacks

19 Oct

Impact 4 · · StockStory
Impact 3 · · StockStory

17 Oct

Impact 4 · · The Motley Fool
Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

16 Oct

Impact 4 · · MarketBeat
Impact 4 · · Moby
Impact 4 · · Business Wire
Impact 3 · · The Motley Fool transcript
Impact 3 · · 24/7 Wall St.
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · InvestorsHub
Impact 3 · · Investing.com
Impact 3 · · StockStory
Impact 3 · · Zacks
Impact 3 · · Associated Press

15 Oct

Impact 3 · · StockStory

14 Oct

Impact 4 · · Zacks
Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.
Impact 3 · · Business Wire

12 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks

7 Oct

Impact 4 · · Business Wire

4 Oct

Impact 4 · · 24/7 Wall St.

2 Oct

Impact 3 · · Barrons.com

RF metrics, ten years each

stockrow.com/RF · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com