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

Regions Financl (RF) reported diluted earnings per share of $2.30 for fiscal year 2025. This represents a 19.2% 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.

Regions Financl Financials

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Regions Financl (RF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 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).

Financial Health Signals

Financial Profile 48/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Regions Financl has an operating margin of 0.8%, meaning the company retains $1 of operating profit per $100 of revenue. This below-average margin results in a low score of 24/100, suggesting thin profitability after operating expenses. This is down from 1.3% the prior year.

Growth

Regions Financl's revenue declined 0.5% year-over-year, from $7.1B to $7.1B. This contraction results in a growth score of 33/100.

Leverage

Regions Financl carries a low D/E ratio of 0.22, meaning only $0.22 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 98/100, indicating a strong balance sheet with room for future borrowing.

Returns

Regions Financl's ROE of 11.3% shows moderate profitability relative to equity, earning a score of 36/100. This is up from 10.6% the prior year.

Piotroski F-Score Neutral

5/9

Regions Financl passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.01x

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.

Interest Coverage At Risk

0.0x

Regions Financl earns $0.0 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

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Earnings & Revenue

Revenue

$7.1B

YoY-0.5%

5Y CAGR+142.7%

10Y CAGR+7.0%

Regions Financl generated $7.1B in revenue in fiscal year 2025. This represents a decrease of 0.5% from the prior year.

EBITDA

$137.0M

YoY-42.7%

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.

Net Income

$2.2B

YoY+13.9%

5Y CAGR+14.5%

10Y CAGR+7.3%

Regions Financl reported $2.2B in net income in fiscal year 2025. This represents an increase of 13.9% from the prior year.

EPS (Diluted)

$2.30

YoY+19.2%

5Y CAGR+17.4%

10Y CAGR+11.9%

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

Free Cash Flow

N/A

Cash & Debt

$10.9B

YoY+1.8%

5Y CAGR-9.5%

10Y CAGR+7.5%

Regions Financl held $10.9B in cash against $4.1B in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.03

YoY+5.1%

5Y CAGR+10.7%

10Y CAGR+16.2%

Regions Financl paid $1.03 per share in dividends in fiscal year 2025. This represents an increase of 5.1% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

0.8%

YoY-0.6pp

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.

Net Margin

30.5%

YoY+3.9pp

5Y CAGR-1271.9pp

10Y CAGR+1.0pp

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.

Return on Equity

11.3%

YoY+0.7pp

5Y CAGR+5.3pp

10Y CAGR+5.0pp

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.1B

YoY+206.6%

10Y CAGR+5.5%

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.

Capital Expenditures

N/A

RF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$7.1B-0.5%	$7.1B+3.1%	$6.9B+35.2%	$5.1B+4805.8%	$104.0M+23.8%	$84.0M
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	$53.0M-44.2%	$95.0M-55.2%	$212.0M+278.6%	$56.0M+21.7%	$46.0M	N/A
Interest Expense	$2.1B-9.1%	$2.3B+45.2%	$1.6B+399.1%	$316.0M+89.2%	$167.0M-54.6%	$368.0M
Income Tax	$587.0M+27.3%	$461.0M-13.5%	$533.0M-15.5%	$631.0M-9.1%	$694.0M+215.5%	$220.0M
Net Income	$2.2B+13.9%	$1.9B-8.7%	$2.1B-7.6%	$2.2B-10.9%	$2.5B+130.4%	$1.1B
EPS (Diluted)	$2.30+19.2%	$1.93-8.5%	$2.11-7.5%	$2.28-8.4%	$2.49+141.7%	$1.03

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$1.8B-1.6%	$1.8B+0.7%	$1.8B+3.4%	$1.7B-4.3%	$1.8B-1.0%	$1.8B+3.3%	$1.8B+2.2%	$1.7B
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	$487.0M-9.6%	$539.0M+2.7%	$525.0M-1.1%	$531.0M-7.2%	$572.0M-5.0%	$602.0M+4.5%	$576.0M+6.7%	$540.0M
Income Tax	$174.0M+25.2%	$139.0M-2.8%	$143.0M+9.2%	$131.0M+6.5%	$123.0M+4.2%	$118.0M-4.8%	$124.0M+29.2%	$96.0M
Net Income	$534.0M-6.2%	$569.0M+1.1%	$563.0M+14.9%	$490.0M-8.2%	$534.0M+9.0%	$490.0M-2.2%	$501.0M+36.1%	$368.0M
EPS (Diluted)	N/A	$0.61+3.4%	$0.59+15.7%	$0.51	N/A	$0.49-5.8%	$0.52+40.5%	$0.37

RF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$158.8B+1.0%	$157.3B+3.4%	$152.2B-1.9%	$155.2B-4.7%	$162.9B+10.5%	$147.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$10.9B+1.8%	$10.7B+57.5%	$6.8B-39.4%	$11.2B-61.8%	$29.4B+63.8%	$18.0B
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%	$5.7B0.0%	$5.7B-0.2%	$5.7B+10.7%	$5.2B
Total Liabilities	$139.7B+0.2%	$139.4B+3.5%	$134.7B-3.3%	$139.3B-3.7%	$144.6B+11.9%	$129.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
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
Total Equity	$19.0B+6.5%	$17.9B+2.6%	$17.4B+9.3%	$15.9B-13.0%	$18.3B+1.2%	$18.1B
Retained Earnings	$10.2B+12.6%	$9.1B+10.7%	$8.2B+16.9%	$7.0B+26.2%	$5.5B+47.2%	$3.8B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$158.8B-0.7%	$159.9B+0.5%	$159.2B-0.4%	$159.8B+1.6%	$157.3B-0.1%	$157.4B+2.2%	$154.1B-0.6%	$154.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$10.9B-9.9%	$12.1B+8.3%	$11.2B-21.9%	$14.3B+33.6%	$10.7B+1.8%	$10.5B+24.1%	$8.5B-24.6%	$11.3B
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	$139.7B-0.8%	$140.8B+0.2%	$140.5B-0.6%	$141.3B+1.4%	$139.4B+0.5%	$138.7B+1.4%	$136.8B-0.7%	$137.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$4.1B-13.6%	$4.8B-9.4%	$5.3B-12.3%	$6.0B+0.4%	$6.0B-0.4%	$6.0B+18.4%	$5.1B+52.8%	$3.3B
Total Equity	$19.0B0.0%	$19.0B+2.1%	$18.7B+0.7%	$18.5B+3.6%	$17.9B-4.3%	$18.7B+8.8%	$17.2B+0.7%	$17.0B
Retained Earnings	$10.2B+2.9%	$9.9B+3.3%	$9.6B+3.3%	$9.3B+2.6%	$9.1B+3.2%	$8.8B+2.5%	$8.6B+3.1%	$8.3B

RF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$2.2B+36.5%	$1.6B-30.8%	$2.3B-25.6%	$3.1B+2.4%	$3.0B+30.4%	$2.3B
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	-$1.4B-441.2%	-$262.0M+83.7%	-$1.6B+87.6%	-$12.9B-351.7%	-$2.9B+41.0%	-$4.9B
Financing Cash Flow	-$568.0M-122.1%	$2.6B+150.2%	-$5.1B+38.6%	-$8.3B-173.9%	$11.3B-31.0%	$16.4B
Dividends Paid	$912.0M+2.5%	$890.0M+13.1%	$787.0M+18.7%	$663.0M+9.0%	$608.0M+2.2%	$595.0M
Share Buybacks	$1.1B+206.6%	$348.0M+38.1%	$252.0M+9.6%	$230.0M-50.7%	$467.0M	$0

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$319.0M-137.0%	$861.0M+50.3%	$573.0M-46.2%	$1.1B+584.5%	-$220.0M-117.4%	$1.3B+683.2%	$161.0M-59.3%	$396.0M
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	$218.0M-37.0%	$346.0M+116.1%	-$2.1B-1394.0%	$166.0M-66.7%	$498.0M+200.0%	-$498.0M+66.1%	-$1.5B-221.7%	$1.2B
Financing Cash Flow	-$1.1B-285.5%	-$283.0M+81.9%	-$1.6B-166.0%	$2.4B+2826.4%	-$87.0M-106.8%	$1.3B+187.5%	-$1.5B-151.4%	$2.8B
Dividends Paid	$235.0M+4.9%	$224.0M-0.9%	$226.0M-0.4%	$227.0M-0.4%	$228.0M+3.6%	$220.0M0.0%	$220.0M-0.9%	$222.0M
Share Buybacks	$430.0M+71.3%	$251.0M+74.3%	$144.0M-40.5%	$242.0M+317.2%	$58.0M-42.6%	$101.0M+16.1%	$87.0M-14.7%	$102.0M

RF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	0.8%-0.6pp	1.3%-1.7pp	3.1%+2.0pp	1.1%-43.1pp	44.2%	N/A
Net Margin	30.5%+3.9pp	26.6%-3.4pp	30.1%-13.9pp	44.0%-2380.0pp	2424.0%+1121.7pp	1302.4%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.22-0.1	0.34+0.2	0.130.0	0.14+0.0	0.13-0.1	0.20
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	30.2%-1.5pp	31.7%+0.1pp	31.6%+3.1pp	28.4%-1.2pp	29.6%+2.7pp	26.9%-1.5pp	28.4%+7.1pp	21.3%
Return on Equity	2.8%-0.2pp	3.0%-0.0pp	3.0%+0.4pp	2.6%-0.3pp	3.0%+0.4pp	2.6%-0.3pp	2.9%+0.8pp	2.2%
Return on Assets	0.3%-0.0pp	0.4%0.0pp	0.4%+0.0pp	0.3%-0.0pp	0.3%+0.0pp	0.3%-0.0pp	0.3%+0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.22-0.0	0.25-0.0	0.28-0.0	0.32-0.0	0.34+0.0	0.32+0.0	0.30+0.1	0.20
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 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.

Does Regions Financl buy back shares?

Yes, Regions Financl (RF) spent $1.1B on share buybacks during fiscal year 2025, 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 0.22 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 9, indicating neutral 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 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 0.0x, 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 48 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.