Regions Financl Financials

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 46/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Regions Financl has an operating margin of 1.3%, meaning the company retains $1 of operating profit per $100 of revenue. This below-average margin results in a low score of 7/100, suggesting thin profitability after operating expenses. This is down from 3.1% the prior year.

Growth

Regions Financl's revenue grew a modest 3.1% year-over-year to $7.1B. This slow but positive growth earns a score of 37/100.

Leverage

Regions Financl carries a low D/E ratio of 0.34, meaning only $0.34 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.

Returns

Regions Financl's ROE of 10.6% shows moderate profitability relative to equity, earning a score of 42/100. This is down from 11.9% the prior year.

Piotroski F-Score Weak

2/9

Regions Financl passes 2 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

0.84x

For every $1 of reported earnings, Regions Financl generates $0.84 in operating cash flow ($1.6B OCF vs $1.9B net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Interest Coverage At Risk

0.0x

Regions Financl earns $0.0 in operating income for every $1 of interest expense ($95.0M vs $2.3B). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

This page shows Regions Financl (RF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$7.1B

YoY+3.1%

5Y CAGR+145.9%

10Y CAGR+7.1%

Regions Financl generated $7.1B in revenue in fiscal year 2024. This represents an increase of 3.1% from the prior year.

EBITDA

$239.0M

YoY-46.7%

Regions Financl's EBITDA was $239.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 46.7% from the prior year.

Free Cash Flow

N/A

Net Income

$1.9B

YoY-8.7%

5Y CAGR+3.7%

10Y CAGR+5.1%

Regions Financl reported $1.9B in net income in fiscal year 2024. This represents a decrease of 8.7% from the prior year.

EPS (Diluted)

$1.93

YoY-8.5%

5Y CAGR+5.2%

10Y CAGR+9.3%

Regions Financl earned $1.93 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 8.5% from the prior year.

Cash & Debt

$10.7B

YoY+57.5%

5Y CAGR+21.1%

10Y CAGR+10.3%

Regions Financl held $10.7B in cash against $6.0B in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.98

YoY+11.4%

5Y CAGR+10.7%

10Y CAGR+18.5%

Regions Financl paid $0.98 per share in dividends in fiscal year 2024. This represents an increase of 11.4% from the prior year.

Shares Outstanding

N/A

Gross Margin

N/A

Operating Margin

1.3%

YoY-1.7pp

Regions Financl's operating margin was 1.3% in fiscal year 2024, reflecting core business profitability. This is down 1.7 percentage points from the prior year.

Net Margin

26.6%

YoY-3.4pp

5Y CAGR-1975.9pp

10Y CAGR-5.3pp

Regions Financl's net profit margin was 26.6% in fiscal year 2024, showing the share of revenue converted to profit. This is down 3.4 percentage points from the prior year.

Return on Equity

10.6%

YoY-1.3pp

5Y CAGR+0.9pp

10Y CAGR+3.8pp

Regions Financl's ROE was 10.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 1.3 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$348.0M

YoY+38.1%

5Y CAGR-20.6%

10Y CAGR+3.1%

Regions Financl spent $348.0M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 38.1% from the prior year.

Capital Expenditures

N/A

RF Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$7.1B+3.1%	$6.9B+35.2%	$5.1B+4805.8%	$104.0M+23.8%	$84.0M+6.3%	$79.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$95.0M-55.2%	$212.0M+278.6%	$56.0M+21.7%	$46.0M	N/A	N/A
Interest Expense	$2.3B+45.2%	$1.6B+399.1%	$316.0M+89.2%	$167.0M-54.6%	$368.0M-56.8%	$851.0M
Income Tax	$461.0M-13.5%	$533.0M-15.5%	$631.0M-9.1%	$694.0M+215.5%	$220.0M-45.4%	$403.0M
Net Income	$1.9B-8.7%	$2.1B-7.6%	$2.2B-10.9%	$2.5B+130.4%	$1.1B-30.8%	$1.6B
EPS (Diluted)	$1.93-8.5%	$2.11-7.5%	$2.28-8.4%	$2.49+141.7%	$1.03-31.3%	$1.50

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$1.8B+0.7%	$1.8B+3.4%	$1.7B-4.3%	$1.8B+2.3%	$1.8B+2.2%	$1.7B-1.5%	$1.8B-0.8%	$1.8B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$539.0M+2.7%	$525.0M-1.1%	$531.0M-7.2%	$572.0M-0.7%	$576.0M+6.7%	$540.0M+3.8%	$520.0M+9.5%	$475.0M
Income Tax	$139.0M-2.8%	$143.0M+9.2%	$131.0M+6.5%	$123.0M-0.8%	$124.0M+29.2%	$96.0M+20.0%	$80.0M-38.0%	$129.0M
Net Income	$569.0M+1.1%	$563.0M+14.9%	$490.0M-8.2%	$534.0M+6.6%	$501.0M+36.1%	$368.0M-5.9%	$391.0M-20.2%	$490.0M
EPS (Diluted)	$0.61+3.4%	$0.59+15.7%	$0.51-7.3%	$0.55+5.8%	$0.52+40.5%	$0.37-9.8%	$0.41-16.3%	$0.49

RF Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$157.3B+3.4%	$152.2B-1.9%	$155.2B-4.7%	$162.9B+10.5%	$147.4B+16.8%	$126.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$10.7B+57.5%	$6.8B-39.4%	$11.2B-61.8%	$29.4B+63.8%	$18.0B+336.5%	$4.1B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$5.7B0.0%	$5.7B0.0%	$5.7B-0.2%	$5.7B+10.7%	$5.2B+7.1%	$4.8B
Total Liabilities	$139.4B+3.5%	$134.7B-3.3%	$139.3B-3.7%	$144.6B+11.9%	$129.3B+17.6%	$109.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$6.0B+157.2%	$2.3B+2.0%	$2.3B-5.1%	$2.4B-32.6%	$3.6B-54.7%	$7.9B
Total Equity	$17.9B+2.6%	$17.4B+9.3%	$15.9B-13.0%	$18.3B+1.2%	$18.1B+11.1%	$16.3B
Retained Earnings	$9.1B+10.7%	$8.2B+16.9%	$7.0B+26.2%	$5.5B+47.2%	$3.8B+0.5%	$3.8B

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$159.9B+0.5%	$159.2B-0.4%	$159.8B+1.6%	$157.3B+2.1%	$154.1B-0.6%	$154.9B+1.8%	$152.2B-0.9%	$153.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$12.1B+8.3%	$11.2B-21.9%	$14.3B+33.6%	$10.7B+26.3%	$8.5B-24.6%	$11.3B+65.4%	$6.8B-24.6%	$9.0B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$5.7B0.0%	$5.7B0.0%	$5.7B0.0%	$5.7B0.0%	$5.7B0.0%	$5.7B0.0%	$5.7B0.0%	$5.7B
Total Liabilities	$140.8B+0.2%	$140.5B-0.6%	$141.3B+1.4%	$139.4B+1.9%	$136.8B-0.7%	$137.8B+2.3%	$134.7B-2.0%	$137.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$4.8B-9.4%	$5.3B-12.3%	$6.0B+0.4%	$6.0B+17.9%	$5.1B+52.8%	$3.3B+42.8%	$2.3B-45.7%	$4.3B
Total Equity	$19.0B+2.1%	$18.7B+0.7%	$18.5B+3.6%	$17.9B+4.1%	$17.2B+0.7%	$17.0B-2.2%	$17.4B+8.3%	$16.1B
Retained Earnings	$9.9B+3.3%	$9.6B+3.3%	$9.3B+2.6%	$9.1B+5.8%	$8.6B+3.1%	$8.3B+1.4%	$8.2B+1.8%	$8.0B

RF Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$1.6B-30.8%	$2.3B-25.6%	$3.1B+2.4%	$3.0B+30.4%	$2.3B-10.0%	$2.6B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$262.0M+83.7%	-$1.6B+87.6%	-$12.9B-351.7%	-$2.9B+41.0%	-$4.9B-1053.4%	$509.0M
Financing Cash Flow	$2.6B+150.2%	-$5.1B+38.6%	-$8.3B-173.9%	$11.3B-31.0%	$16.4B+751.2%	-$2.5B
Dividends Paid	$890.0M+13.1%	$787.0M+18.7%	$663.0M+9.0%	$608.0M+2.2%	$595.0M+3.1%	$577.0M
Share Buybacks	$348.0M+38.1%	$252.0M+9.6%	$230.0M-50.7%	$467.0M	$0-100.0%	$1.1B

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$861.0M+50.3%	$573.0M-46.2%	$1.1B+584.5%	-$220.0M-236.6%	$161.0M-59.3%	$396.0M-53.7%	$855.0M-0.6%	$860.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$346.0M+116.1%	-$2.1B-1394.0%	$166.0M-66.7%	$498.0M+133.9%	-$1.5B-221.7%	$1.2B+875.0%	-$156.0M-164.2%	$243.0M
Financing Cash Flow	-$283.0M+81.9%	-$1.6B-166.0%	$2.4B+2826.4%	-$87.0M+94.0%	-$1.5B-151.4%	$2.8B+197.6%	-$2.9B-47.7%	-$2.0B
Dividends Paid	$224.0M-0.9%	$226.0M-0.4%	$227.0M-0.4%	$228.0M+3.6%	$220.0M-0.9%	$222.0M-1.8%	$226.0M+20.9%	$187.0M
Share Buybacks	$251.0M+74.3%	$144.0M-40.5%	$242.0M+317.2%	$58.0M-33.3%	$87.0M-14.7%	$102.0M-59.5%	$252.0M	$0

RF Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	1.3%-1.7pp	3.1%+2.0pp	1.1%-43.1pp	44.2%	N/A	N/A
Net Margin	26.6%-3.4pp	30.1%-13.9pp	44.0%-2380.0pp	2424.0%+1121.7pp	1302.4%-700.2pp	2002.5%
Return on Equity	10.6%-1.3pp	11.9%-2.2pp	14.1%+0.3pp	13.8%+7.7pp	6.0%-3.7pp	9.7%
Return on Assets	1.2%-0.2pp	1.4%-0.1pp	1.5%-0.1pp	1.6%+0.8pp	0.7%-0.5pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.34+0.2	0.130.0	0.14+0.0	0.13-0.1	0.20-0.3	0.48
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	31.7%+0.1pp	31.6%+3.1pp	28.4%-1.2pp	29.6%+1.2pp	28.4%+7.1pp	21.3%-1.0pp	22.3%-5.4pp	27.8%
Return on Equity	3.0%-0.0pp	3.0%+0.4pp	2.6%-0.3pp	3.0%+0.1pp	2.9%+0.8pp	2.2%-0.1pp	2.2%-0.8pp	3.0%
Return on Assets	0.4%0.0pp	0.4%+0.0pp	0.3%-0.0pp	0.3%0.0pp	0.3%+0.1pp	0.2%-0.0pp	0.3%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.25-0.0	0.28-0.0	0.32-0.0	0.34+0.0	0.30+0.1	0.20+0.1	0.13-0.1	0.27
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Regions Financl's annual revenue?

Regions Financl (RF) reported $7.1B in total revenue for fiscal year 2024. This represents a 3.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Regions Financl's revenue growing?

Regions Financl (RF) revenue grew by 3.1% year-over-year, from $6.9B to $7.1B in fiscal year 2024.

Is Regions Financl profitable?

Yes, Regions Financl (RF) reported a net income of $1.9B in fiscal year 2024, with a net profit margin of 26.6%.

What is Regions Financl's earnings per share (EPS)?

Regions Financl (RF) reported diluted earnings per share of $1.93 for fiscal year 2024. This represents a -8.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Regions Financl's EBITDA?

Regions Financl (RF) had EBITDA of $239.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Regions Financl have?

As of fiscal year 2024, Regions Financl (RF) had $10.7B in cash and equivalents against $6.0B in long-term debt.

What is Regions Financl's operating margin?

Regions Financl (RF) had an operating margin of 1.3% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.

What is Regions Financl's net profit margin?

Regions Financl (RF) had a net profit margin of 26.6% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Regions Financl pay dividends?

Yes, Regions Financl (RF) paid $0.98 per share in dividends during fiscal year 2024.

What is Regions Financl's return on equity (ROE)?

Regions Financl (RF) has a return on equity of 10.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Regions Financl's operating cash flow?

Regions Financl (RF) generated $1.6B in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Regions Financl's total assets?

Regions Financl (RF) had $157.3B in total assets as of fiscal year 2024, including both current and long-term assets.

Does Regions Financl buy back shares?

Yes, Regions Financl (RF) spent $348.0M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

What is Regions Financl's debt-to-equity ratio?

Regions Financl (RF) had a debt-to-equity ratio of 0.34 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Regions Financl's return on assets (ROA)?

Regions Financl (RF) had a return on assets of 1.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Regions Financl's Piotroski F-Score?

Regions Financl (RF) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Regions Financl's earnings high quality?

Regions Financl (RF) has an earnings quality ratio of 0.84x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Regions Financl cover its interest payments?

Regions Financl (RF) has an interest coverage ratio of 0.0x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Regions Financl?

Regions Financl (RF) scores 46 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.