CoverageForm 410-K10-Q8-K13D13G13F

RF · Regions Financial Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · RF

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A------
Operating Income$53.00M$95.00M$46.00M--$1.31B
Interest Expense--$1.58B$316.00M$167.00M$368.00M
Income Tax$587.00M$461.00M$533.00M$631.00M$694.00M$220.00M
Net Income$2.16B$1.89B$2.07B$2.25B$2.52B$1.09B
EPS - Basic$2.31$1.94$2.11$2.29$2.51$1.03
EPS - Diluted$2.30$1.93$2.11$2.28$2.49$1.03

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$10.91B$10.71B$6.80B$11.23B$29.41B$17.96B
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$158.81B$157.30B$152.19B$155.22B$162.94B$147.39B
Current Liabilities------
Long-term Debt$4.13B$5.99B$2.33B$2.28B$2.41B$3.57B
Total Liabilities$139.71B$139.39B$134.70B$139.27B$144.61B$129.28B
Stockholders' Equity$19.04B$17.88B$17.43B$15.95B$18.33B$18.11B
Retained Earnings$10.21B$9.06B$8.19B$7.00B$5.55B$3.77B

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$2.18B$1.60B$2.31B$3.10B$3.03B$2.32B
Investing Cash Flow($1.42B)($262.00M)($1.61B)($12.94B)($2.87B)($4.85B)
Financing Cash Flow($568.00M)$2.58B($5.13B)($8.35B)$11.29B$16.37B
CapEx------
Free Cash Flow------

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income------
R&D / Revenue------
SG&A / Revenue------
Effective tax rate21.4%19.6%20.4%21.9%21.6%16.7%
Return on assets1.4%1.2%1.4%1.4%1.5%0.7%
Return on equity11.3%10.6%11.9%14.1%13.8%6.0%
Return on invested capital0.2%0.3%0.2%--5.0%
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity0.220.340.130.140.130.20
Debt / Assets0.030.040.020.010.010.02
Debt / EBITDA------
Interest coverage--0.0x--3.6x
Equity multiplier8.348.808.739.738.898.14
Liabilities / Assets0.880.890.890.900.890.88
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E11.8x12.2x9.2x9.5x8.8x15.7x
P / B1.3x1.2x1.0x1.3x1.1x0.9x
P / S------
EV / EBITDA------
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)-44.2%106.5%----33.8%
Net income growth (YoY)13.9%-8.7%-7.6%-10.9%130.4%-30.8%
EPS growth (YoY)19.2%-8.5%-7.5%-8.4%141.7%-31.3%
EPS CAGR (3y)0.3%-8.1%27.0%15.0%17.4%1.0%
EPS CAGR (5y)17.4%5.2%6.5%17.9%23.4%6.6%
FCF growth (YoY)------
FCF CAGR (5y)------
Book value growth (YoY)6.5%2.6%9.3%-13.0%1.2%11.1%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$650.00M total
Other Revenue Not Impacted$650.00M · 100.0%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

6/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: National Commercial Banks

CompanyRevenue (last FY)Net marginROE
HBAN---
UMBF--9.1%
ZION$662.00M135.8%12.5%
JPM$182.45B31.3%15.7%
SFNC$5.63M-7060.1%-11.6%

Comparing REGIONS FINANCIAL CORP against the 5 most active filers in the same SIC group.

Dividends

$1.06/share trailing 12 months · +6.0% YoY

Ex-datePer share
Jun 1, 2026$0.2650
Mar 2, 2026$0.2650
Dec 1, 2025$0.2650
Sep 2, 2025$0.2650
Jun 2, 2025$0.2500
Mar 3, 2025$0.2500
Dec 2, 2024$0.2500
Sep 3, 2024$0.2500
Jun 3, 2024$0.2400
Feb 29, 2024$0.2400
Dec 7, 2023$0.2400
Aug 31, 2023$0.2400
Jun 1, 2023$0.2000
Mar 9, 2023$0.2000
Dec 7, 2022$0.2000
Sep 1, 2022$0.2000
Jun 2, 2022$0.1700
Mar 10, 2022$0.1700
Dec 2, 2021$0.1700
Sep 2, 2021$0.1700
Jun 3, 2021$0.1550
Mar 4, 2021$0.1550
Dec 3, 2020$0.1550
Sep 3, 2020$0.1550