REGIONS FINANCIAL CORP RF
Regions Financial Corporation is a FHC headquartered in Birmingham, Alabama operating in the South, Midwest and Texas. In addition, Regions operates several offices delivering specialty capabilities in New York, Washington D.C., Chicago, Salt Lake City, and other locations nationwide. Regions provides financial solutions for a wide range of clients including retail and mortgage banking services, commercial banking services and wealth and investment services. Further, Regions and its subsidiaries deliver other financial services operations described below. At December 31, 2025, Regions had total consolidated assets of approximately $158.8 billion, total consolidated deposits of approximately $131.1 billion and total consolidated shareholders' equity of approximately $19.0 billion.
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.07B | $7.11B | $6.90B | $5.10B | $4.08B | $4.26B | $79.0M | $71.0M | $60.0M | $58.0M |
| Operating income | $53.0M | $95.0M | $212.0M | $56.0M | $46.0M | — | — | — | — | — |
| Interest expense | $4.99B | $4.82B | $5.32B | $4.79B | $167.0M | $368.0M | $851.0M | $602.0M | $373.0M | $313.0M |
| Pre-tax income | $2.74B | $2.35B | $2.61B | $2.88B | $3.21B | $1.31B | $1.99B | $1.96B | $1.86B | $1.66B |
| Income tax | $587.0M | $461.0M | $533.0M | $631.0M | $694.0M | $220.0M | $403.0M | $387.0M | $619.0M | $510.0M |
| Net income | $2.16B | $1.89B | $2.07B | $2.25B | $2.52B | $1.09B | $1.58B | $1.76B | $1.26B | $1.16B |
| EPS, basic | 2.31 | 1.94 | 2.11 | 2.29 | 2.51 | 1.03 | 1.51 | 1.55 | 1.01 | 0.87 |
| EPS, diluted | 2.30 | 1.93 | 2.11 | 2.28 | 2.49 | 1.03 | 1.50 | 1.54 | 1.00 | 0.87 |
| Shares, diluted (wtd. avg.) | $896.0M | $918.0M | $938.0M | $942.0M | $963.0M | $962.0M | $999.0M | $1.10B | $1.20B | $1.26B |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $10.91B | $10.71B | $6.80B | $11.23B | $29.41B | $17.96B | $4.11B | $3.54B | $3.98B | $5.45B |
| Property, plant and equipment | $1.66B | $1.67B | $1.64B | $1.72B | $1.81B | $1.90B | $1.96B | $2.04B | $2.06B | $2.10B |
| Goodwill | $5.73B | $5.73B | $5.73B | $5.73B | $5.74B | $5.19B | $4.84B | $4.83B | $4.90B | $4.90B |
| Other intangibles | $140.0M | $169.0M | $205.0M | $249.0M | $305.0M | $122.0M | $105.0M | $115.0M | $177.0M | $221.0M |
| Total assets | $158.81B | $157.30B | $152.19B | $155.22B | $162.94B | $147.39B | $126.24B | $125.69B | $124.29B | $125.97B |
| Short-term debt | $750.0M | $500.0M | $0 | — | — | $0 | $2.05B | $1.60B | $500.0M | $0 |
| Long-term debt | $4.13B | $5.99B | $2.33B | $2.28B | $2.41B | $3.57B | $7.88B | $12.42B | $8.13B | $7.76B |
| Total liabilities | $139.71B | $139.39B | $134.70B | $139.27B | $144.61B | $129.28B | $109.94B | $110.60B | $108.10B | $109.30B |
| Retained earnings | $10.21B | $9.06B | $8.19B | $7.00B | $5.55B | $3.77B | $3.75B | $2.83B | $1.63B | $666.0M |
| Total equity | $19.04B | $17.88B | $17.43B | $15.95B | $18.33B | $18.11B | $16.30B | $15.09B | $16.19B | $16.66B |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $2.18B | $1.60B | $2.31B | $3.10B | $3.03B | $2.32B | $2.58B | $2.27B | $2.30B | $2.04B |
| Depreciation and amortisation | $84.0M | $144.0M | $236.0M | $353.0M | $371.0M | $421.0M | $426.0M | $462.0M | $537.0M | $574.0M |
| Investing cash flow | -$1.42B | -$262.0M | -$1.61B | -$12.94B | -$2.87B | -$4.85B | $509.0M | -$3.04B | -$801.0M | -$700.0M |
| Financing cash flow | -$568.0M | $2.58B | -$5.13B | -$8.35B | $11.29B | $16.37B | -$2.51B | $327.0M | -$2.97B | -$1.20B |
| Dividends paid | $912.0M | $890.0M | $787.0M | $663.0M | $608.0M | $595.0M | $577.0M | $452.0M | $346.0M | $317.0M |
| Buybacks | $1.07B | $348.0M | $252.0M | $230.0M | $467.0M | $0 | $1.10B | $2.12B | $1.27B | $839.0M |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001281761-26-000019.
Others in SIC 6021
| Ticker | Company | Market cap | P/E | Revenue growth |
|---|---|---|---|---|
| JPM | JPMORGAN CHASE & CO | $953.33B | 17.9x | 2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | $438.31B | 16.5x | 6.8% |
| WFC | WELLS FARGO & COMPANY/MN | $272.07B | 14.4x | -3.8% |
| C | CITIGROUP INC | $240.92B | 19.7x | 5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | $136.66B | 54.5x | 36.3% |
| USB | US BANCORP \DE\ | $98.73B | 13.7x | 4.4% |
| PNC | PNC FINANCIAL SERVICES GROUP, INC. | $97.98B | 14.8x | 7.2% |
| TFC | TRUIST FINANCIAL CORP | $63.10B | 13.5x | -2.1% |