Regions Financl Financials
Regions Financl (RF) reported $7.1B in revenue for fiscal year 2025, down 0.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Regions’ earnings engine is being driven more by balance-sheet funding and capital posture than by top-line growth.
Across the last three years, revenue stayed near$7.0B while net income returned to$2.2B , so the improvement did not come from simple business expansion. The more telling combination is long-term debt falling to$4.1B as operating cash flow improved to$2.2B , which suggests cleaner cash conversion and less dependence on borrowed funding.
With nearly
FY2025 capital returns were mostly funded internally: dividends were
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Regions Financl's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Regions Financl passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Regions Financl generates $1.01 in operating cash flow ($2.2B OCF vs $2.2B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Regions Financl earns $0.03 in operating income for every $1 of interest expense ($53.0M vs $2.1B). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Regions Financl generated $7.1B in revenue in fiscal year 2025. This represents a decrease of 0.5% from the prior year.
Regions Financl's EBITDA was $137.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 42.7% from the prior year.
Regions Financl reported $2.2B in net income in fiscal year 2025. This represents an increase of 13.9% from the prior year.
Regions Financl earned $2.30 per diluted share (EPS) in fiscal year 2025. This represents an increase of 19.2% from the prior year.
Cash & Balance Sheet
Regions Financl held $10.9B in cash against $4.1B in long-term debt as of fiscal year 2025.
Regions Financl paid $1.03 per share in dividends in fiscal year 2025. This represents an increase of 5.1% from the prior year.
Not reported for fiscal year 2025.
Margins & Returns
Regions Financl's operating margin was 0.8% in fiscal year 2025, reflecting core business profitability. This is down 0.6 percentage points from the prior year.
Regions Financl's net profit margin was 30.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.9 percentage points from the prior year.
Regions Financl's ROE was 11.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the prior year.
Not reported for fiscal year 2025.
Capital Allocation
Regions Financl spent $1.1B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 206.6% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
RF Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.0B | $7.1B-0.5% | $7.1B+3.1% | $6.9B+35.2% | $5.1B+4805.8% | $104.0M+23.8% | $84.0M+6.3% | $79.0M+11.3% | $71.0M+18.3% | $60.0M+3.4% | $58.0M-98.4% | $3.6B+0.4% | $3.6B-1.6% | $3.6B-6.6% | $3.9B-8.2% | $4.3B |
| SG&A Expenses | $2.7B | $2.6B+3.4% | $2.5B+4.7% | $2.4B+4.2% | $2.3B+5.1% | $2.2B+5.0% | $2.1B+9.6% | $1.9B-1.6% | $1.9B+3.9% | $1.9B+1.7% | $1.8B-2.2% | $1.9B+4.0% | $1.8B-0.4% | $1.8B+3.1% | $1.8B+9.9% | $1.6B |
| Operating Income | N/A | $53.0M-44.2% | $95.0M-55.2% | $212.0M+278.6% | $56.0M+21.7% | $46.0M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $2.0B | $2.1B-9.1% | $2.3B+45.2% | $1.6B+399.1% | $316.0M+89.2% | $167.0M-54.6% | $368.0M-56.8% | $851.0M+41.4% | $602.0M+61.4% | $373.0M+19.2% | $313.0M+16.8% | $268.0M-13.3% | $309.0M-19.5% | $384.0M-36.3% | $603.0M-28.4% | $842.0M |
| Income Tax | $616.0M | $587.0M+27.3% | $461.0M-13.5% | $533.0M-15.5% | $631.0M-9.1% | $694.0M+215.5% | $220.0M-45.4% | $403.0M+4.1% | $387.0M-37.5% | $619.0M+21.4% | $510.0M+12.1% | $455.0M-17.0% | $548.0M-2.3% | $561.0M+16.4% | $482.0M+1821.4% | -$28.0M |
| Net Income | $2.2B | $2.2B+13.9% | $1.9B-8.7% | $2.1B-7.6% | $2.2B-10.9% | $2.5B+130.4% | $1.1B-30.8% | $1.6B-10.1% | $1.8B+39.3% | $1.3B+8.6% | $1.2B+9.5% | $1.1B-7.4% | $1.1B+5.1% | $1.1B-2.6% | $1.1B+620.9% | -$215.0M |
| EPS (Diluted) | — | $2.30+19.2% | $1.93-8.5% | $2.11-7.5% | $2.28-8.4% | $2.49+141.7% | $1.03-31.3% | $1.50-2.6% | $1.54+54.0% | $1.00+14.9% | $0.87+16.0% | $0.75-5.1% | $0.79+5.3% | $0.75+5.6% | $0.71 | -$0.34 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
RF Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $158.8B+1.0% | $157.3B+3.4% | $152.2B-1.9% | $155.2B-4.7% | $162.9B+10.5% | $147.4B+16.8% | $126.2B+0.4% | $125.7B+1.1% | $124.3B-1.3% | $126.0B-0.1% | $126.0B+5.4% | $119.6B+1.8% | $117.4B-3.3% | $121.3B-4.5% | $127.0B |
| Cash & Equivalents | $10.9B+1.8% | $10.7B+57.5% | $6.8B-39.4% | $11.2B-61.8% | $29.4B+63.8% | $18.0B+336.5% | $4.1B+16.3% | $3.5B-11.1% | $4.0B-27.0% | $5.5B+2.6% | $5.3B+32.7% | $4.0B-24.1% | $5.3B-3.9% | $5.5B-24.2% | $7.2B |
| Goodwill | $5.7B0.0% | $5.7B0.0% | $5.7B0.0% | $5.7B-0.2% | $5.7B+10.7% | $5.2B+7.1% | $4.8B+0.3% | $4.8B-1.5% | $4.9B0.0% | $4.9B+0.5% | $4.9B+1.3% | $4.8B0.0% | $4.8B0.0% | $4.8B0.0% | $4.8B |
| Total Liabilities | $139.7B+0.2% | $139.4B+3.5% | $134.7B-3.3% | $139.3B-3.7% | $144.6B+11.9% | $129.3B+17.6% | $109.9B-0.6% | $110.6B+2.3% | $108.1B-1.1% | $109.3B+0.1% | $109.2B+6.3% | $102.7B+1.0% | $101.6B-4.0% | $105.8B-4.3% | $110.6B |
| Long-Term Debt | $4.1B-31.0% | $6.0B+157.2% | $2.3B+2.0% | $2.3B-5.1% | $2.4B-32.6% | $3.6B-54.7% | $7.9B-36.6% | $12.4B+52.8% | $8.1B+4.8% | $7.8B-7.0% | $8.3B+141.2% | $3.5B-28.3% | $4.8B-17.6% | $5.9B-27.7% | $8.1B |
| Total Equity | $19.0B+6.5% | $17.9B+2.6% | $17.4B+9.3% | $15.9B-13.0% | $18.3B+1.2% | $18.1B+11.1% | $16.3B+8.0% | $15.1B-6.8% | $16.2B-2.8% | $16.7B-1.1% | $16.8B-0.2% | $16.9B+7.7% | $15.7B+1.5% | $15.4B-6.5% | $16.5B |
| Retained Earnings | $10.2B+12.6% | $9.1B+10.7% | $8.2B+16.9% | $7.0B+26.2% | $5.5B+47.2% | $3.8B+0.5% | $3.8B+32.6% | $2.8B+73.7% | $1.6B+144.4% | $666.0M+679.1% | -$115.0M+90.2% | -$1.2B+46.9% | -$2.2B+33.6% | -$3.3B+22.8% | -$4.3B |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
RF Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.8B | $2.2B+36.5% | $1.6B-30.8% | $2.3B-25.6% | $3.1B+2.4% | $3.0B+30.4% | $2.3B-10.0% | $2.6B+13.5% | $2.3B-1.0% | $2.3B+12.8% | $2.0B+27.4% | $1.6B-24.1% | $2.1B-43.7% | $3.7B+53.4% | $2.4B-48.6% | $4.8B |
| Investing Cash Flow | -$3.0B | -$1.4B-441.2% | -$262.0M+83.7% | -$1.6B+87.6% | -$12.9B-351.7% | -$2.9B+41.0% | -$4.9B-1053.4% | $509.0M+116.7% | -$3.0B-280.1% | -$801.0M-14.4% | -$700.0M+88.6% | -$6.1B-62.0% | -$3.8B-5225.4% | -$71.0M-107.1% | $1.0B+52.8% | $659.0M |
| Financing Cash Flow | -$31.0M | -$568.0M-122.1% | $2.6B+150.2% | -$5.1B+38.6% | -$8.3B-173.9% | $11.3B-31.0% | $16.4B+751.2% | -$2.5B-868.8% | $327.0M+111.0% | -$3.0B-147.2% | -$1.2B-120.6% | $5.8B+1340.7% | $405.0M+110.4% | -$3.9B+25.2% | -$5.2B-2.3% | -$5.1B |
| Dividends Paid | $917.0M | $912.0M+2.5% | $890.0M+13.1% | $787.0M+18.7% | $663.0M+9.0% | $608.0M+2.2% | $595.0M+3.1% | $577.0M+27.7% | $452.0M+30.6% | $346.0M+9.1% | $317.0M+4.3% | $304.0M+23.1% | $247.0M+79.0% | $138.0M+155.6% | $54.0M+5.9% | $51.0M |
| Share Buybacks | $1.1B | $1.1B+206.6% | $348.0M+38.1% | $252.0M+9.6% | $230.0M-50.7% | $467.0M | $0-100.0% | $1.1B-48.1% | $2.1B+66.4% | $1.3B+52.0% | $839.0M+34.7% | $623.0M+143.4% | $256.0M-24.7% | $340.0M | $0 | $0 |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
RF Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 0.8%-0.6pp | 1.3%-1.7pp | 3.1%+2.0pp | 1.1%-43.1pp | 44.2% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 30.5%+3.9pp | 26.6%-3.4pp | 30.1%-13.9pp | 44.0% | 2424.0% | 1302.4% | 2002.5% | 2477.5% | 2105.0% | 2005.2% | 29.5%-2.5pp | 32.0%+2.1pp | 29.9%+1.2pp | 28.7%+33.8pp | -5.1% |
| Return on Equity | 11.3%+0.7pp | 10.6%-1.3pp | 11.9%-2.2pp | 14.1%+0.3pp | 13.8%+7.7pp | 6.0%-3.7pp | 9.7%-1.9pp | 11.7%+3.9pp | 7.8%+0.8pp | 7.0%+0.7pp | 6.3%-0.5pp | 6.8%-0.2pp | 7.0%-0.3pp | 7.3%+8.6pp | -1.3% |
| Return on Assets | 1.4%+0.2pp | 1.2%-0.2pp | 1.4%-0.1pp | 1.5%-0.1pp | 1.6%+0.8pp | 0.7%-0.5pp | 1.3%-0.1pp | 1.4%+0.4pp | 1.0%+0.1pp | 0.9%+0.1pp | 0.8%-0.1pp | 1.0%0.0pp | 0.9%0.0pp | 0.9%+1.1pp | -0.2% |
| Debt-to-Equity | 0.22-0.1x | 0.34+0.2x | 0.130.0x | 0.140.0x | 0.13-0.1x | 0.20-0.3x | 0.48-0.3x | 0.82+0.3x | 0.500.0x | 0.470.0x | 0.50+0.3x | 0.21-0.1x | 0.31-0.1x | 0.38-0.1x | 0.49 |
Not reported in any period shown, so not listed: Gross Margin, Current Ratio, FCF Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
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Where Regions Financl Ranks
Frequently Asked Questions
What is Regions Financl's annual revenue?
Regions Financl (RF) reported $7.1B in total revenue for fiscal year 2025. This represents a -0.5% 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 declined by 0.5% year-over-year, from $7.1B to $7.1B in fiscal year 2025.
Is Regions Financl profitable?
Yes, Regions Financl (RF) reported a net income of $2.2B in fiscal year 2025, with a net profit margin of 30.5%.
What is Regions Financl's EBITDA?
Regions Financl (RF) had EBITDA of $137.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Regions Financl have?
As of fiscal year 2025, Regions Financl (RF) had $10.9B in cash and equivalents against $4.1B in long-term debt.
What is Regions Financl's operating margin?
Regions Financl (RF) had an operating margin of 0.8% in fiscal year 2025, 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 30.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Regions Financl pay dividends?
Yes, Regions Financl (RF) paid $1.03 per share in dividends during fiscal year 2025.
What is Regions Financl's return on equity (ROE)?
Regions Financl (RF) has a return on equity of 11.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Regions Financl's operating cash flow?
Regions Financl (RF) generated $2.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Regions Financl's total assets?
Regions Financl (RF) had $158.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Regions Financl's debt-to-equity ratio?
Regions Financl (RF) had a debt-to-equity ratio of 0.22 as of fiscal year 2025, 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 1.4% for fiscal year 2025, 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 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.01x, considered cash-backed (high 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 0.03x, 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 56 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.