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RF-PE

Regions Financial Corporation

RF-PE

Regions Financial Corporation • NYSE
$17.53 ▲ 0.00% (+0.00)
Market Cap $15.81 B
52w High $19.69
52w Low $16.41
Dividend Yield 1.11%
P/E 7.27
Volume 19.91K
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 ▼$1.55Bn ▲$690.00M ▼
Corporate Bank
Corporate Bank
 $520.00M ▲$490.00M ▼$1.00Bn ▲$450.00M ▼
Other Segments
Other Segments
 $0 ▲$0 ▲$0 ▲$0 ▲
Wealth Management
Wealth Management
 $50.00M ▲$40.00M ▼$370.00M ▲$40.00M ▼

Five-Year Company Overview

Income Statement

Income Statement Regions has grown its overall revenue over the last several years, helped by higher interest income and a broader mix of services. However, profits have drifted down from earlier peaks, showing pressure on margins. This likely reflects a tougher rate environment, higher funding and operating costs, and more conservative credit provisioning. The bank remains clearly profitable, but the trend is from “very strong” earnings a few years ago toward more “normal” levels, with less cushion if conditions weaken further.

Balance Sheet

Balance Sheet The balance sheet is large, relatively stable, and looks conservatively run for a regional bank. Total assets have moved within a fairly narrow band, suggesting disciplined growth rather than aggressive expansion. Capital levels (equity) have held up well, giving the bank a solid buffer against shocks. Liquidity has swung around as management adjusts cash levels to the interest-rate cycle, but recent cash balances and funding sources appear adequate. Debt has increased from very low levels but still sits at a manageable size next to the bank’s equity base and deposit franchise.

Cash Flow

Cash Flow Regions consistently generates healthy cash flow from its core banking operations. After a very strong period a few years back, operating cash flow has eased but remains comfortably positive. Free cash flow also stays positive even after technology and infrastructure investments, which are not especially heavy for this type of business. This pattern suggests the bank can continue to fund its own growth initiatives, absorb credit costs, and support shareholder returns, as long as credit quality and deposit costs remain under control.

Competitive Edge

Competitive Edge Regions holds a strong position in its core footprint across the Southeast, Texas, and parts of the Midwest. Its strength comes from deep local relationships, a broad product set for both consumers and businesses, and a relatively low-cost, sticky deposit base. This combination gives it a structural funding advantage over less established or purely digital rivals. At the same time, it faces intense competition from national banks with bigger technology budgets and from fintechs targeting specific niches. Its diversified revenue streams help smooth out economic swings in any single segment, but the bank is still exposed to regional economic cycles and credit conditions in its core markets.

Innovation and R&D

Innovation and R&D For a regional bank, Regions is leaning meaningfully into technology and data. It is modernizing its core systems, building new lending and deposit platforms, and pushing more activity onto a modern, cloud-based architecture. On top of this, it is embedding AI and analytics into customer insights, risk management, and fraud detection, and rolling out specialized digital tools for both retail and commercial customers. These moves could deepen customer relationships and lower costs over time, but they also introduce execution risk: large core conversions are complex, multiyear projects, and benefits tend to arrive gradually. Overall, the bank looks more progressive than the average regional player, though still behind the largest national leaders in pure tech scale.

Summary

Regions Financial appears to be a solid, moderately growing regional bank that has transitioned from a period of exceptional profitability to more normalized, but still healthy, earnings. The balance sheet and cash generation look sound, giving it room to invest and to absorb economic volatility. Its main strengths are its entrenched regional franchise, low-cost deposits, and diversified business mix, all supported by a visible push into digital and AI-driven capabilities. The main watchpoints are margin pressure from the interest-rate environment, credit quality in its key markets, and successful execution of large technology and core-modernization projects. How well Regions manages these areas will likely drive its performance over the next several years.