Logo

RF

Regions Financial Corporation

RF

Regions Financial Corporation • NYSE
$25.45 ▲ 0.00% (+0.00)
Market Cap $22.95 B
52w High $27.61
52w Low $17.74
Dividend Yield 1.01%
P/E 11.21
Volume 3.87M
Outstanding Shares 901.71M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $3.019B ▲ $1.103B ▲ $642M ▲ 21.265% ▼ $0.7 ▲ $873M ▲
Q2-2025 $2.43B ▲ $1.073B ▲ $563M ▲ 23.169% ▲ $0.59 ▲ $725M ▲
Q1-2025 $2.315B ▼ $1.039B ▲ $490M ▼ 21.166% ▼ $0.51 ▼ $643M ▼
Q4-2024 $2.387B ▼ $1.038B ▼ $534M ▲ 22.371% ▲ $0.56 ▲ $678M ▲
Q3-2024 $2.392B $1.069B $490M 20.485% $0.49 $642M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $12.099B ▼ $159.94B ▲ $140.845B ▲ $19.049B ▲
Q2-2025 $34.786B ▼ $159.206B ▼ $140.5B ▼ $18.666B ▲
Q1-2025 $37.446B ▲ $159.846B ▲ $141.279B ▲ $18.53B ▲
Q4-2024 $34.155B ▼ $157.302B ▼ $139.392B ▲ $17.879B ▼
Q3-2024 $36.392B $157.426B $138.699B $18.676B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $569M ▲ $861M ▲ $346M ▲ $-283M ▲ $924M ▲ $861M ▲
Q2-2025 $563M ▲ $573M ▼ $-2.148B ▼ $-1.566B ▼ $-3.141B ▼ $559M ▼
Q1-2025 $490M ▼ $1.066B ▲ $166M ▼ $2.372B ▲ $3.604B ▲ $1.061B ▲
Q4-2024 $534M ▲ $-220M ▼ $498M ▲ $-87M ▼ $191M ▼ $-229M ▼
Q3-2024 $490M $1.261B $-498M $1.279B $2.042B $1.25B

Revenue by Products

Product Q2-2023Q3-2023Q4-2023Q1-2024
Consumer Bank
Consumer Bank
 $820.00M ▲$760.00M ▼$710.00M ▼$690.00M ▼
Corporate Bank
Corporate Bank
 $520.00M ▲$490.00M ▼$470.00M ▼$450.00M ▼
Wealth Management
Wealth Management
 $50.00M ▲$40.00M ▼$310.00M ▲$40.00M ▼

Five-Year Company Overview

Income Statement

Income Statement Earnings over the past five years show a clear arc: profit surged coming out of the pandemic, then has steadily eased back from its peak. Revenue is still growing modestly, but margins have narrowed as funding costs, credit provisions, and operating expenses have risen. Net income today remains well above 2020 levels, yet each of the last few years has seen slightly lower bottom-line results, suggesting a tougher environment for regional banks. Overall, the income statement points to a solidly profitable bank facing normalizing, more competitive conditions rather than rapid growth.

Balance Sheet

Balance Sheet The balance sheet looks generally steady and well-grounded. Total assets have hovered in a fairly tight range, indicating a mature institution rather than one aggressively expanding its footprint. Capital levels have inched up over time, supporting resilience, while debt has increased from very low levels but still appears manageable. Cash balances have moved around but remain healthy, suggesting the bank has flexibility to navigate market swings and regulatory demands.

Cash Flow

Cash Flow Cash generation has been consistently positive, which is a key strength. Operating cash flow has been robust in each of the past five years, comfortably covering the bank’s relatively modest investment needs. Because capital spending is light for a bank, free cash flow has remained strong even as earnings growth has cooled somewhat. This pattern supports the idea that Regions has room to keep investing in technology and absorbing credit cycles without straining its finances.

Competitive Edge

Competitive Edge Regions holds a strong regional franchise in the Southeast, backed by meaningful deposit market share and a reputation for good customer service. Its focus on relationship banking, treasury services, and wealth management gives it multiple revenue streams, not just basic lending. Workplace awards and a culture emphasis help it attract and retain talent, which matters in a service business. At the same time, it competes in a crowded field of regional and national banks, and remains exposed to regional economic conditions and commercial real estate trends in its core markets.

Innovation and R&D

Innovation and R&D The bank is investing heavily in modernization rather than relying on a traditional branch-only model. Moving its core systems to the cloud and embedding AI into both customer and employee tools should improve speed, personalization, and efficiency over time. Partnerships with fintech firms in areas like embedded finance, mortgage technology, and credit building show a willingness to buy or partner for innovation instead of building everything in-house. The main risk is execution: large technology overhauls can be costly, complex, and disruptive if timelines slip or customer experience suffers during transitions.

Summary

Regions Financial looks like a mature, regionally focused bank with steady profitability, solid cash generation, and a reasonably conservative balance sheet. Profitability has come off its post-pandemic highs, reflecting a tougher rate and credit environment, but remains comfortably positive. Its competitive strengths are a strong deposit franchise in growing southeastern markets, good customer satisfaction, and a culture that supports service and innovation. The strategic bet on digital transformation and embedded banking could deepen client relationships and efficiency, but will require careful execution and continued tech investment. Overall, the picture is of a stable institution adapting to a more digital, more competitive banking landscape, with moderate growth prospects tempered by normal credit and interest rate risks for a regional bank.

NEWS

November 20, 2025 · 9:00 AM UTC

Regions Bank Names Andy Voress Head of Affordable Housing Investor Sales and Servicing

Read more

November 6, 2025 · 9:00 AM UTC

Regions Financial Corp. to Participate in Goldman Sachs Financial Services Conference

Read more

November 4, 2025 · 9:00 AM UTC

Regions Financial to Participate in Citi's 14th Annual FinTech Conference

Read more

October 31, 2025 · 9:00 AM UTC

Regions Financial to Participate in BancAnalysts Association of Boston Conference

Read more

October 29, 2025 · 4:30 PM UTC

Regions Bank Reduces its Prime Lending Rate

Read more