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RF-PC

Regions Financial Corporation

RF-PC

Regions Financial Corporation • NYSE
$23.53 ▼ -0.80% (-0.19)
Market Cap $21.25 B
52w High $25.58
52w Low $21.94
Dividend Yield 1.43%
P/E 9.76
Volume 26.20K
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 ▼
Other Segments
Other Segments
 $0 ▲$0 ▲$0 ▲$0 ▲
Wealth Management
Wealth Management
 $50.00M ▲$40.00M ▼$310.00M ▲$40.00M ▼

Five-Year Company Overview

Income Statement

Income Statement Over the past five years, Regions has grown its revenue at a steady pace, showing that its core banking and fee businesses are still gaining traction. Profitability improved strongly coming out of the pandemic, then slipped back somewhat in the last two years as the interest-rate environment and credit costs became more challenging. Even with this pullback, earnings remain clearly positive, and operating margins are still healthy for a regional bank. Overall, this looks like a mature, profitable franchise that has moved off peak earnings but has not shown signs of structural weakness in its income statement.

Balance Sheet

Balance Sheet The balance sheet looks generally stable and conservatively run. Total assets have stayed within a fairly narrow band, suggesting controlled growth rather than aggressive expansion. Cash levels spiked during the pandemic and then normalized, which is typical as excess liquidity is put back to work. Debt has increased in recent years but remains modest relative to the size of the institution and its equity base, indicating a still-comfortable capital position. Equity has been broadly steady to slightly higher over time, implying that profits are largely keeping pace with any capital returns to investors.

Cash Flow

Cash Flow Regions consistently generates solid cash from its core operations, which is an important sign of underlying business strength. Free cash flow has remained positive each year, even as earnings have come down from their peak, showing that the bank can fund its needs internally. Capital spending is relatively light, which is typical for a bank and reflects that most investment is in technology, people, and systems rather than heavy physical assets. Together, this points to a business that throws off enough cash to support operations, invest in modernization, and still return capital when appropriate, though the cushion is slimmer than at the earnings peak.

Competitive Edge

Competitive Edge Regions holds a strong competitive position in its core Southeastern footprint, where it often ranks among the leading banks in its key local markets. This deep presence helps it maintain a broad, relatively low-cost deposit base and strong name recognition. Its model emphasizes long-term relationships and bundled solutions across consumer, commercial, and wealth management, which supports customer loyalty and cross-selling. At the same time, it still faces the usual pressures for a regional bank: competition from national banks and fintechs, sensitivity to local economic conditions, and ongoing regulatory and funding challenges.

Innovation and R&D

Innovation and R&D The bank is leaning heavily into technology to deepen its moat, particularly for business and commercial clients. Offerings like embedded finance within customers’ ERP systems, advanced cash-flow tools, and mobile commercial payments make banking more integrated and convenient, which can increase switching costs and client stickiness. Behind the scenes, Regions is overhauling its core systems, moving to the cloud, and using data and AI to speed processes and free up bankers’ time for higher-value work. These projects can be powerful differentiators if executed well, but they carry typical technology risks: implementation complexity, potential cost overruns, and the need to manage cybersecurity and third-party dependencies carefully.

Summary

Regions Financial shows the profile of a seasoned regional bank: steady revenue growth, consistent profitability, and reliable cash generation, albeit with earnings down from their recent high point. Its balance sheet appears disciplined, with stable assets, manageable debt, and a solid equity base, suggesting it has not stretched itself to chase growth. The franchise benefits from strong share in attractive Southeastern markets, a relationship-driven approach, and diversified banking, wealth, and mortgage activities. The most notable strategic angle is its push into technology and embedded finance, which could deepen customer ties and improve efficiency if managed well. Key uncertainties center on interest-rate and credit cycles, funding costs for regional banks, and the execution of large-scale technology and core-system modernization programs.