Regions Financial Corp. (RF) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q1 27	$0.63	$0.68	+7.9%	—	—	—
Q4 26	$0.59	$0.62	+5.1%	—	—	—
Q3 26	$0.61	$0.57	-6.6%	—	—	—
Q2 26	$0.6	$0.63	+5.0%	—	—	—
Q1 26	$0.56	$0.6	+7.1%	—	—	—
Q4 25	$0.51	$0.54	+5.9%	—	—	—
Q3 25	$0.55	$0.59	+7.3%	—	—	—
Q2 25	$0.53	$0.57	+7.5%	—	—	—
Q1 25	$0.49	$0.54	+10.2%	—	—	—
Q4 24	$0.46	$0.44	-4.3%	—	—	—
Q3 24	$0.48	$0.52	+8.3%	—	—	—
Q2 24	$0.58	$0.5	-13.8%	—	—	—
Q1 24	$0.59	$0.59	0.0%	—	—	—
Q4 23	$0.64	$0.63	-1.6%	—	—	—
Q3 23	$0.65	$0.67	+3.1%	—	—	—
Q2 23	$0.59	$0.56	-5.1%	—	—	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$2.31	—	—	$7.5B	—
FY24	—	$1.94	—	—	$7.1B	—
FY23	—	$2.11	—	—	$7.6B	—
FY22	—	$2.29	—	—	$7.2B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$5.5B	$5.6B	$5.8B	$5.8B	$6.3B	$6.4B	$7.2B	$7.6B	$7.1B	$7.5B
YoY change	+1.91%	+0.93%	+3.58%	+1.49%	+7.36%	+2.57%	+11.3%	+5.72%	-6.48%	+6.25%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	5.5B	5.6B	5.8B	5.8B	6.3B	6.4B	7.2B	7.6B	7.1B	7.5B
Cost of revenue	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	2B	2.1B	2.1B	2B	2.2B	2.4B	2.5B	2.6B	2.6B	2.8B
Operating expenses	2B	2.1B	2.1B	2B	2.2B	2.4B	2.5B	2.6B	2.6B	2.8B
Operating income	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—
Pretax income	1.7B	1.9B	2B	2B	1.3B	3.2B	2.9B	2.6B	2.4B	2.7B
Income tax	510M	619M	387M	403M	220M	694M	631M	533M	461M	587M
Net income	1.2B	1.3B	1.8B	1.6B	1.1B	2.5B	2.2B	2.1B	1.9B	2.2B
Net margin	21.1%	22.7%	30.5%	27.1%	17.4%	39.2%	31.3%	27.4%	26.7%	28.6%
EBITDA	—	—	—	—	—	—	—	—	—	—
EPS	0.87	1.01	1.55	1.51	1.03	2.51	2.29	2.11	1.94	2.31
Diluted EPS	0.87	1	1.54	1.5	1.03	2.49	2.28	2.11	1.93	2.3

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	1.9B	1.8B	1.7B	1.7B	1.8B	1.8B	1.8B	1.9B	1.9B	1.9B	1.9B	1.9B
Cost of revenue	—	—	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	639M	639M	728M	665M	690M	556M	675M	704M	714M	694M	707M	742M
Operating expenses	639M	639M	728M	665M	690M	556M	675M	704M	714M	694M	707M	742M
Operating income	—	—	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—	—	—
Pretax income	619M	471M	464M	625M	608M	657M	621M	706M	708M	708M	714M	718M
Income tax	129M	80M	96M	124M	118M	123M	131M	143M	139M	174M	155M	148M
Net income	490M	391M	368M	501M	490M	534M	490M	563M	569M	534M	559M	570M
Net margin	26.4%	21.6%	21.1%	28.9%	27.4%	29.4%	27.5%	29.6%	29.7%	27.8%	29.8%	29.9%
EBITDA	—	—	—	—	—	—	—	—	—	—	—	—
EPS	0.49	0.39	0.37	0.52	0.49	0.56	0.51	0.59	0.62	0.59	0.63	0.64
Diluted EPS	0.49	0.39	0.37	0.52	0.49	0.56	0.51	0.59	0.61	0.58	0.62	0.64

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	18B	20.5B	14.6B	17.1B	15.5B	20.8B	20.2B	18.1B	21.5B	24.2B	23.2B
Enterprise value	-3.4B	1.8B	2.4B	283.2M	-26.1B	-34.6B	-16.7B	-11.5B	-6.1B	-6.4B	29.5B
Shares outstanding	1.3B	1.2B	1.1B	995M	959M	956M	935M	936M	916M	892M	892M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	15.5	16.2	8.31	10.8	14.1	8.27	8.98	8.75	11.4	11.2	11.1
P/S	3.27	3.69	2.54	2.92	2.46	3.24	2.81	2.39	3.04	3.21	3.22
P/B	1.08	1.27	0.97	1.05	0.85	1.14	1.26	1.04	1.2	1.27	1.34
EV/Sales	-0.62	0.33	0.41	0.05	-4.16	-5.38	-2.33	-1.51	-0.86	-0.86	4.07
Earnings yield	6.45%	6.16%	12%	9.27%	7.08%	12.1%	11.1%	11.4%	8.79%	8.92%	8.99%
FCF yield	10.9%	11%	15.1%	15%	14.7%	14.2%	14%	11.9%	6.74%	8.9%	8.87%
PEG	—	—	—	—	—	—	—	—	—	—	1.31

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Operating margin	—	—	—	—	—	—	—	—	—	—	39.3%
Net margin	21.1%	22.7%	30.5%	27.1%	17.4%	39.2%	31.3%	27.4%	26.7%	28.6%	30.8%
ROE	6.98%	7.8%	11.7%	9.71%	6.04%	13.8%	14.1%	11.9%	10.6%	11.3%	11.9%
ROA	—	—	—	—	—	—	—	—	1.2%	1.36%	1.39%
Return on tangible assets	—	—	—	—	—	—	—	—	1.32%	1.49%	1.51%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Debt / equity	0.47	0.53	0.93	0.61	0.2	0.13	0.14	0.13	0.36	0.26	0.01
Debt / assets	—	—	—	—	—	—	—	—	0.04	0.03	0.05
Effective tax rate	30.6%	33.3%	19.8%	20.3%	16.7%	21.6%	21.9%	20.4%	19.6%	21.4%	21.6%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	4.39	4.69	5.27	5.87	6.54	6.73	7.66	8.09	7.73	8.44	8.32
EPS (basic)	0.87	1.01	1.55	1.51	1.03	2.51	2.29	2.11	1.94	2.31	2.31
EPS (diluted)	0.87	1	1.54	1.5	1.03	2.49	2.28	2.11	1.93	2.3	2.46
Book value per share	13.3	13.7	13.8	16.4	18.9	19.2	17.1	18.7	19.6	21.4	20.5
FCF per share	1.57	1.9	2.02	2.57	2.36	3.09	3.01	2.3	1.59	2.41	2.04
Cash per share	23.3	23	24.1	26.9	47	60.6	41.9	34.1	37.3	39.8	5.87
Capex per share	—	0.13	—	—	—	—	—	—	—	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	—	2.7%	—	—	—	—	—	—	—	—	—
Capex / operating cash flow	—	6.75%	—	—	—	—	—	—	—	—	—
Payout ratio	32.8%	32.5%	29.3%	41.5%	63.8%	28.4%	33.9%	42.7%	52.5%	46.5%	43.1%
Dividend yield	2.11%	2%	3.53%	3.84%	4.52%	3.44%	3.78%	4.88%	4.61%	4.15%	4.4%

Yield

4.4%

trailing twelve months

Frequency

Quarterly

Last dividend

$0.30

ex-dividend Sep 1, 2026

Payout ratio

43%

of earnings

Dividend growth

14 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Sep 1, 2026	$0.30
Jun 1, 2026	$0.265
Mar 2, 2026	$0.265

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$1.9B	$1.8B	$1.7B	$1.7B	$1.8B	$1.8B	$1.8B	$1.9B	$1.9B	$1.9B	$1.9B	$1.9B
YoY change	-0.54%	-9.41%	-10.5%	-11.5%	-3.61%	+0.33%	+2.12%	+10.1%	+7.04%	+5.84%	+4.99%	+0.1%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	29.2B	27.3B	26.3B	26.7B	45.1B	57.9B	39.2B	31.9B	34.2B	35.5B
Receivables	319M	337M	375M	362M	346M	319M	511M	614M	572M	571M
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	2.1B	2.1B	2B	2B	1.9B	1.8B	1.7B	1.6B	1.7B	1.7B
Goodwill & intangibles	10.9B	10.8B	10.7B	10.6B	11.2B	12.9B	13.6B	13.7B	13.8B	13.7B
Total assets	—	—	—	—	—	—	—	—	157.3B	158.8B
Accounts payable	—	—	—	—	—	—	—	—	—	—
Short-term debt	0	500M	1.6B	2B	0	—	—	—	500M	750M
Total current liabilities	—	—	—	—	—	—	—	—	—	—
Long-term debt	7.8B	8.1B	12.4B	7.9B	3.6B	2.4B	2.3B	2.3B	6B	4.1B
Total liabilities	—	—	—	—	—	—	—	—	139.4B	139.7B
Shareholders' equity	16.7B	16.2B	15.1B	16.3B	18.1B	18.3B	16B	17.5B	17.9B	19.1B
Total debt	7.8B	8.6B	14B	9.9B	3.6B	2.4B	2.3B	2.3B	6.5B	4.9B
Net debt	2.3B	4.7B	10.5B	5.8B	-14.4B	-27B	-8.9B	-4.5B	-4.2B	-6B

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	32.3B	31.9B	36.8B	34.5B	36.4B	34.2B	37.4B	34.8B	36B	35.5B	35.5B	34.7B
Receivables	625M	614M	588M	608M	596M	572M	583M	574M	574M	571M	569M	495M
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	—	1.6B	—	—	—	1.7B	—	—	—	1.7B	—	—
Goodwill & intangibles	13.8B	13.7B	13.9B	13.9B	13.8B	13.8B	13.7B	13.7B	13.7B	13.7B	13.6B	13.6B
Total assets	—	—	154.9B	154.1B	157.4B	157.3B	159.8B	159.2B	159.9B	158.8B	160.7B	161.3B
Accounts payable	—	—	—	—	—	—	—	—	—	—	—	—
Short-term debt	2B	—	1B	513M	1.5B	500M	0	0	1.3B	750M	2B	2.8B
Total current liabilities	—	—	—	—	—	—	—	—	—	—	—	—
Long-term debt	4.3B	2.3B	3.3B	5.1B	6B	6B	6B	5.3B	4.8B	4.1B	3.1B	4.6B
Total liabilities	—	—	—	136.8B	138.7B	139.4B	141.3B	140.5B	140.8B	139.7B	141.9B	142.4B
Shareholders' equity	16.1B	17.5B	17.1B	17.2B	18.7B	17.9B	18.6B	18.7B	19.1B	19.1B	18.8B	18.9B
Total debt	6.3B	2.3B	4.3B	5.6B	7.5B	6.5B	6B	5.3B	6.1B	4.9B	5.1B	7.4B
Net debt	-2.7B	-4.5B	-6.9B	-2.9B	-3B	-4.2B	-8.3B	-5.9B	-6B	-6B	-6B	-2.5B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	1.2B	1.3B	1.8B	1.6B	1.1B	2.5B	2.2B	2.1B	1.9B	2.2B
Depreciation & amortization	574M	537M	462M	426M	421M	371M	353M	236M	144M	84M
Stock-based compensation	—	—	—	—	—	—	—	—	—	—
Change in working capital	-18M	-316M	-183M	264M	526M	-294M	-274M	-574M	-1B	-732M
Operating cash flow	1.9B	2.2B	2.4B	2.3B	1.2B	3.8B	2.9B	1.8B	952M	2.2B
Capital expenditure	—	-150M	—	—	—	—	—	—	—	—
Investing cash flow	-1.2B	-613M	603M	764M	-4B	-3.5B	-3.2B	246M	-1.4B	-2.1B
Dividends paid	-381M	-410M	-516M	-656M	-698M	-716M	-762M	-885M	-994M	-1B
Share repurchases	-839M	-1.3B	-2.1B	-1.1B	0	-967M	-230M	-252M	-848M	-1.4B
Financing cash flow	-1.8B	-820M	2.7B	-5.5B	-8.6B	-2.5B	-1B	-1.2B	2.8B	-4.1B
Net change in cash	-1.1B	790M	5.7B	-2.5B	-11.5B	-2.2B	-1.4B	873M	2.3B	-4B
Free cash flow	2B	2.3B	2.2B	2.6B	2.3B	3B	2.8B	2.2B	1.5B	2.2B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	—	—	—	—	—	—	—	—	569M	534M	559M	570M
Depreciation & amortization	—	—	—	—	—	—	—	—	21M	22M	23M	24M
Stock-based compensation	—	—	—	—	—	—	—	—	—	—	—	—
Change in working capital	—	—	—	—	—	—	—	—	20M	-944M	105M	-421M
Operating cash flow	—	—	—	—	—	—	—	—	861M	-319M	867M	369M
Capital expenditure	—	—	—	—	—	—	—	—	—	—	—	—
Investing cash flow	—	—	—	—	—	—	—	—	-136M	-278M	226M	-9M
Dividends paid	—	—	—	—	—	—	—	—	-245M	-255M	-250M	-249M
Share repurchases	—	—	—	—	—	—	—	—	-251M	-430M	-401M	-59M
Financing cash flow	-1B	-2B	1B	-487M	987M	-1B	-500M	0	302M	-1.9B	797M	-535M
Net change in cash	-1B	-2B	1B	-487M	987M	-1B	-500M	0	1B	-2.5B	1.9B	-175M
Free cash flow	—	—	—	—	—	—	—	—	853M	-322M	863M	356M

Date	Ratio
Jul 1, 2004	12346:10000
Jun 16, 1997	2:1
Mar 1, 1993	11:10
Jun 2, 1986	2:1
Jun 4, 1984	2:1

Regions Financial Corp. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement

Split history