Regions Financial Corp (RF)

Regions Financial Corporation, a financial holding company, provides various banking and related products and services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; home improvement lending, investment advisory services, equipment financing for commercial clients, small business customers, low-income housing tax credit corporate fund syndication services, financing to CRA-qualified customers, and broker-dealer services to commercial clients, as well as other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.

Symbol
RF
Exchange
NYSE
Sector
Financial Services
Industry
Banks - Regional
Market cap
$23.14B
52 week range
22.7 - 32.47

Valuation

Share price
$27.10 (close of 2026-10-02)
P/E (TTM)
10.93x
Price to book
1.22x
Price to free cash flow
13.02x
Enterprise value
$20.65B
Book value per share
$22.14

Price performance

PeriodChange
1 day+0.52%
5 days-1.88%
1 month-9.46%
3 months-10.50%
6 months+2.38%
Year to date0.00%
1 year+3.44%
3 years+64.04%
5 years+24.66%
10 years+174.57%
All time+1583.23%

Members of Congress who disclosed RF trades

Lisa McClain · French Hill

Super investors holding RF

Richard Pzena (Pzena Investment Management) · Ken Griffin (Citadel) · Ray Dalio (Bridgewater Associates) · Mairs & Power (Mairs & Power Inc)

Profitability and growth

Return on equity
11.29%
Return on invested capital
0.20%
Return on assets
1.36%
Gross margin
2.35%
Net margin
30.48%
EBITDA margin
1.94%
Revenue growth
-0.49%
Net income growth
13.89%
Free cash flow growth
36.48%

Cash flow and balance sheet

Free cash flow yield (TTM)
7.68%
Net debt to EBITDA
-0.52x

Latest reported year

Period end
2025-12-31
Fiscal year
2025
Revenue
$7.07B
Cost of revenue
$6.91B
Gross profit
$166.00M
EBITDA
$137.00M
Net income
$2.16B
Earnings per share
$2.31
Interest expense
$2.08B
Shares outstanding
892.00M

Income statement by year

Period endRevenueGross profitNet incomeEPS
2025-12-31$7.07B$166.00M$2.16B$2.31
2024-12-31$7.11B$205.00M$1.89B$1.94
2023-12-31$6.90B$322.00M$2.07B$2.11
2022-12-31$5.10B$158.00M$2.25B$2.29
2021-12-31$104.00M-$2.52B$2.51
2020-12-31$84.00M-$1.09B$1.03
2019-12-31$79.00M-$1.58B$1.51
2018-12-31$71.00M-$1.76B$1.55
2017-12-31$60.00M-$1.26B$1.01
2016-12-31$58.00M-$1.16B$0.87

Margins and returns by year

Period endGross marginNet marginReturn on equityReturn on capital
2025-12-312.35%30.48%11.29%0.20%
2024-12-312.88%26.63%10.57%0.35%
2023-12-314.67%30.07%11.86%0.81%
2022-12-313.10%44.00%14.07%0.40%
2021-12-31-2424.04%13.76%-
2020-12-31-1302.38%6.04%-
2019-12-31-2002.53%9.71%-
2018-12-31-2477.46%11.66%-
2017-12-31-2105.00%7.80%-
2016-12-31-2005.17%6.98%-

Cash and debt by year

Period endCashDebt
2025-12-31$10.91B$4.13B
2024-12-31$10.71B$5.99B
2023-12-31$6.80B$2.33B
2022-12-31$11.23B$2.28B
2021-12-31$29.41B$2.41B
2020-12-31$17.96B$3.57B
2019-12-31$4.11B$7.88B
2018-12-31$3.54B$12.42B
2017-12-31$3.98B$8.13B
2016-12-31$5.45B$7.76B

Free cash flow by year

Period endFree cash flowStock-based compensation
2025-12-31$2.18B$69.00M
2024-12-31$1.60B$73.00M
2023-12-31$2.31B$61.00M
2022-12-31$3.10B-
2021-12-31$3.03B-
2020-12-31$2.32B-
2019-12-31$2.58B-
2018-12-31$2.27B-
2017-12-31$2.30B-
2016-12-31$2.04B-

Dividend history

Most recent payment
2026-09-01
Paid in the last twelve months
$1.09
Payment dateDividend per share
2026-09-01$0.30
2026-06-01$0.27
2026-03-02$0.27
2025-12-01$0.27
2025-09-02$0.27
2025-06-02$0.25
2025-03-03$0.25
2024-12-02$0.25

Investor relations

Next earnings report

Next confirmed report
2026-10-16
Consensus EPS estimate
$0.67

Past earnings dates

ReportedFiscal periodEPS estimate
2026-07-17Jun/2026$0.64
2026-04-17Mar/2026$0.61
2026-01-16Dec/2025$0.61
2025-10-17Sep/2025$0.60
2025-07-18Jun/2025$0.56
2025-04-17Mar/2025$0.51
2025-01-17Dec/2024$0.55
2024-10-18Sep/2024$0.53

Filings and sources

Company website
regions.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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Price-to-earnings ratio · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart

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