What is Regions Financial Corp.'s earnings per share (EPS)?

Regions Financial Corp. (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 Financial Corp. (RF) Financials

Trailing 12 months to June 30, 2026

Revenue $7.6B +4.4% YoY

Net Income $2.2B +7.5% YoY

EPS (Diluted) $2.45 +14.5% YoY

Operating Cash Flow $1.8B -33.7% YoY

Market Cap $23.1B as of Oct 5, 2026

Price / Sales 3.0x on $7.6B revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.3x on $2.2B net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $18.8B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the RF SEC filings page.

Regions Financial Corp. (RF) reported $7.6B in revenue over the twelve months to Jun 30, 2026, up 4.4% from the prior twelve months. 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).

Rhea AI RF FY2025 2026-10-04

Regions earns from a large liability-funded balance sheet, with cash conversion intact while capital returns reshape leverage and share count.

Net income rose from $1.893B in FY2024 to $2.156B in FY2025, but the more telling shift was in cash realization. Operating cash flow climbed from $1.598B to $2.181B, outpacing the earnings improvement and making the recovery more cash-backed.

FY2025 liabilities of $139.7B against $158.8B of assets show a balance sheet financed predominantly through obligations rather than equity. Debt-to-equity fell to 0.2x, while ROA returned to 1.4%; this pairs lower reported gearing with recovered asset productivity, not a structural step-up.

Operating cash flow was $2.181B against net income of $2.156B, so earnings were closely matched by cash generation rather than relying on a large accounting-to-cash gap. Dividends and buybacks totaled $1.979B, and shares outstanding fell 4.6% from FY2024, making shareholder distributions a major use of reported cash.

Financial Health Signals

Financial Health Score 56/100

Scored as: Banks peer group

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 Financial Corp.'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.

Earnings

Regions Financial Corp. earned a return on assets of 1.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.2% the prior year. Earnings ranks banks on that return over three years, and Regions Financial Corp. scores 79/100 among other banks.

Growth

Regions Financial Corp. reported revenue of $7.5B in fiscal year 2025, against $7.1B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Regions Financial Corp. scores 16/100 among other banks.

Capital

Regions Financial Corp. funded 12.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $19.0B of equity against $158.8B of assets. Capital ranks banks on that cushion, and Regions Financial Corp. scores 58/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Regions Financial Corp. scores 70/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Regions Financial Corp. scores 21/100 on it among other banks.

Stability

Regions Financial Corp. reported net income of $2.2B in fiscal year 2025, against $1.9B in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Regions Financial Corp. scores 89/100 among other banks.

Piotroski F-Score Partial

7/7

Regions Financial Corp. passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.01x

For every $1 of reported earnings, Regions Financial Corp. 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

0.03x

Regions Financial Corp. 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

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Earnings & Revenue

Revenue

$1.9B

YoY+0.1%

QoQ+1.8%

5Y CAGR+3.8%

10Y CAGR+3.3%

Regions Financial Corp. generated $1.9B in revenue in Q2 2026. This represents an increase of 0.1% from the same quarter a year earlier. Against the prior quarter it is up 1.8%.

Net Income

$570.0M

YoY+1.2%

QoQ+2.0%

5Y CAGR-6.3%

10Y CAGR+7.6%

Regions Financial Corp. reported $570.0M in net income in Q2 2026. This represents an increase of 1.2% from the same quarter a year earlier. Against the prior quarter it is up 2.0%.

EPS (Diluted)

$0.64

YoY+8.5%

QoQ+3.2%

5Y CAGR-3.6%

10Y CAGR+12.3%

Regions Financial Corp. earned $0.64 per diluted share (EPS) in Q2 2026. This represents an increase of 8.5% from the same quarter a year earlier. Against the prior quarter it is up 3.2%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$9.9B

YoY-11.2%

QoQ-10.9%

5Y CAGR-17.3%

10Y CAGR+8.9%

Regions Financial Corp. held $9.9B in cash against $4.6B in long-term debt as of Q2 2026.

Dividends Per Share

$0.27

YoY+6.0%

QoQ0.0%

5Y CAGR+11.3%

10Y CAGR+15.1%

Regions Financial Corp. paid $0.27 per share in dividends in Q2 2026. This represents an increase of 6.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

852M

YoY-4.5%

QoQ-0.2%

5Y CAGR-2.2%

10Y CAGR-3.8%

Regions Financial Corp. had 852M shares outstanding in Q2 2026. This represents a decrease of 4.5% from the same quarter a year earlier. Against the prior quarter it is down 0.2%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

29.9%

YoY+0.3pp

QoQ0.0pp

5Y change-20.1pp

10Y change+9.9pp

Regions Financial Corp.'s net profit margin was 29.9% in Q2 2026, showing the share of revenue converted to profit. This is up 0.3 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Return on Equity

3.0%

YoY0.0pp

QoQ+0.1pp

5Y change-1.3pp

10Y change+1.4pp

Regions Financial Corp.'s ROE was 3.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$59.0M

YoY-59.0%

QoQ-85.3%

5Y CAGR-18.8%

10Y CAGR-10.5%

Regions Financial Corp. spent $59.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 59.0% from the same quarter a year earlier. Against the prior quarter it is down 85.3%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

RF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

RF quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$7.6B	$7.5B+6.3%	$7.1B-6.5%	$7.6B+5.0%	$7.2B+12.1%	$6.4B+2.4%	$6.3B+7.3%	$5.9B+1.9%	$5.8B+4.6%	$5.5B+1.7%	$5.4B+0.6%	$5.4B+3.8%	$5.2B-3.3%	$5.4B-0.8%	$5.4B-2.8%	$5.6B
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
EBITDA	N/A	$137.0M-42.7%	$239.0M-46.7%	$448.0M+9.5%	$409.0M-1.9%	$417.0M	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 (Basic)	N/A	$2.31+19.1%	$1.94-8.1%	$2.11-7.9%	$2.29-8.8%	$2.51+143.7%	$1.03-31.8%	$1.51-2.6%	$1.55+53.5%	$1.01+16.1%	$0.87+16.0%	$0.75-6.3%	$0.80+5.3%	$0.76+5.6%	$0.72+311.8%	-$0.34
EPS (Diluted)	$2.45	$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
Diluted Shares (Avg)	N/A	896M-2.4%	918M-2.1%	938M-0.4%	942M-2.2%	963M+0.1%	962M-3.7%	999M-9.3%	1.10B-8.0%	1.20B-5.0%	1.26B-5.5%	1.33B-3.8%	1.39B-1.6%	1.41B+1.7%	1.39B	1.26B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$1.9B+0.1%	$1.9B+5.0%	$1.9B+5.8%	$1.9B+7.0%	$1.9B+10.1%	$1.8B+2.1%	$1.8B+0.2%	$1.8B-3.6%
SG&A Expenses	$697.0M+5.9%	$659.0M+5.4%	$662.0M+7.3%	$671.0M+4.0%	$658.0M+8.0%	$625.0M-5.0%	$617.0M+1.5%	$645.0M+9.5%
Interest Expense	$471.0M-10.3%	$454.0M-14.5%	$487.0M-14.9%	$539.0M-10.5%	$525.0M-8.9%	$531.0M-1.7%	$572.0M+10.0%	$602.0M+26.7%
Income Tax	$148.0M+3.5%	$155.0M+18.3%	$174.0M+41.5%	$139.0M+17.8%	$143.0M+15.3%	$131.0M+36.5%	$123.0M+53.8%	$118.0M-8.5%
Net Income	$570.0M+1.2%	$559.0M+14.1%	$534.0M0.0%	$569.0M+16.1%	$563.0M+12.4%	$490.0M+33.2%	$534.0M+36.6%	$490.0M0.0%
EPS (Basic)	$0.64+8.5%	$0.63+23.5%	$0.59+5.4%	$0.62+26.5%	$0.59+13.5%	$0.51+37.8%	$0.56+43.6%	$0.490.0%
EPS (Diluted)	$0.64+8.5%	$0.62+21.6%	$0.58+5.5%	$0.61+24.5%	$0.59+13.5%	$0.51+37.8%	$0.55+37.5%	$0.490.0%
Diluted Shares (Avg)	857M-4.8%	868M-4.6%	N/A	894M-2.6%	900M-2.0%	910M-1.4%	N/A	918M-2.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

RF Balance Sheet

RF quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$161.3B+1.3%	$160.7B+0.6%	$158.8B+1.0%	$159.9B+1.6%	$159.2B+3.3%	$159.8B+3.2%	$157.3B+3.4%	$157.4B+2.5%
Cash & Equivalents	$9.9B-11.2%	$11.1B-22.2%	$10.9B+1.8%	$12.1B+15.0%	$11.2B+31.8%	$14.3B+27.3%	$10.7B+57.5%	$10.5B+16.7%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$5.7B0.0%	$5.7B0.0%	$5.7B0.0%	$5.7B0.0%	$5.7B0.0%	$5.7B0.0%	$5.7B0.0%	$5.7B0.0%
Total Liabilities	$142.4B+1.3%	$141.9B+0.4%	$139.7B+0.2%	$140.8B+1.5%	$140.5B+2.7%	$141.3B+2.5%	$139.4B+3.5%	$138.7B+0.9%
Long-Term Debt	$4.6B-12.3%	$3.1B-47.9%	$4.1B-31.0%	$4.8B-20.5%	$5.3B+3.9%	$6.0B+80.9%	$6.0B+157.2%	$6.0B+40.2%
Total Equity	$18.8B+0.9%	$18.8B+1.3%	$19.0B+6.5%	$19.0B+2.0%	$18.7B+8.7%	$18.5B+8.7%	$17.9B+2.6%	$18.7B+16.0%
Retained Earnings	$10.8B+12.8%	$10.5B+13.1%	$10.2B+12.6%	$9.9B+13.0%	$9.6B+12.2%	$9.3B+12.0%	$9.1B+10.7%	$8.8B+9.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

RF Cash Flow Statement

RF quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$84.0M-41.7%	$144.0M-39.0%	$236.0M-33.1%	$353.0M-4.9%	$371.0M-11.9%	$421.0M-1.2%	$426.0M-7.8%	$462.0M-14.0%	$537.0M-6.4%	$574.0M+9.8%	$523.0M0.0%	$523.0M-18.9%	$645.0M-10.0%	$717.0M+5.0%	$683.0M
Stock-Based Compensation	N/A	$69.0M-5.5%	$73.0M+19.7%	$61.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$30.0M+20.0%	$25.0M+19.0%	$21.0M+50.0%	$14.0M
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$369.0M-35.6%	$867.0M-18.7%	-$319.0M-45.0%	$861.0M-31.7%	$573.0M+255.9%	$1.1B+169.2%	-$220.0M-125.7%	$1.3B+46.6%
Depreciation & Amortization	$24.0M+26.3%	$23.0M+4.5%	$22.0M+4.8%	$21.0M-38.2%	$19.0M-53.7%	$22.0M-54.2%	$21.0M-60.4%	$34.0M-42.4%
Investing Cash Flow	-$1.4B+35.8%	-$2.2B-1413.3%	$218.0M-56.2%	$346.0M+169.5%	-$2.1B-46.0%	$166.0M-86.3%	$498.0M+419.2%	-$498.0M-304.9%
Financing Cash Flow	-$206.0M+86.8%	$1.5B-34.7%	-$1.1B-1154.0%	-$283.0M-122.1%	-$1.6B-7.2%	$2.4B-16.6%	-$87.0M+97.0%	$1.3B+164.8%
Dividends Paid	$228.0M+0.9%	$230.0M+1.3%	$235.0M+3.1%	$224.0M+1.8%	$226.0M+2.7%	$227.0M+2.3%	$228.0M+0.9%	$220.0M+17.6%
Share Buybacks	$59.0M-59.0%	$401.0M+65.7%	$430.0M+641.4%	$251.0M+148.5%	$144.0M+65.5%	$242.0M+137.3%	$58.0M-77.0%	$101.0M

Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow.

RF Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

RF quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	0.7%-0.6pp	1.3%-1.5pp	2.8%+2.0pp	0.8%+0.1pp	0.7%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.6%+1.9pp	26.7%-0.7pp	27.4%-3.7pp	31.1%-8.0pp	39.2%+21.8pp	17.4%-9.6pp	27.0%-3.6pp	30.6%+7.6pp	23.0%+1.5pp	21.5%+1.7pp	19.8%-2.4pp	22.1%+1.8pp	20.4%-0.4pp	20.7%+24.6pp	-3.9%
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
Asset Turnover	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.04

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	29.9%+0.3pp	29.8%+2.4pp	27.8%-1.6pp	29.7%+2.3pp	29.5%+0.6pp	27.5%+6.4pp	29.4%+7.8pp	27.4%+1.0pp
Return on Equity	3.0%0.0pp	3.0%+0.3pp	2.8%-0.2pp	3.0%+0.4pp	3.0%+0.1pp	2.6%+0.5pp	3.0%+0.8pp	2.6%-0.4pp
Return on Assets	0.4%0.0pp	0.4%0.0pp	0.3%0.0pp	0.4%+0.1pp	0.4%0.0pp	0.3%+0.1pp	0.3%+0.1pp	0.3%0.0pp
Debt-to-Equity	0.250.0x	0.17-0.2x	0.22-0.1x	0.25-0.1x	0.280.0x	0.32+0.1x	0.34+0.2x	0.32+0.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Regions Financial Corp. RF	FY2025	$7.5B	$2.2B	28.6%	$23.1B	56/100
Huntington Bancshares Inc HBAN	FY2025	$8.2B	$2.2B	27.1%	$31.0B	44/100
First Citizens BancShares Inc FCNCA	FY2025	$9.5B	$2.2B	23.1%	$23.4B	42/100
Citizens Financial Group, Inc. CFG	FY2025	$8.2B	$1.8B	22.2%	$27.1B	38/100
Shinhan Financial Group Co Ltd SHG	FY2010	$10.6B	$2.5B	23.8%	$36.6B	—
KeyCorp KEY	FY2025	$7.5B	$1.8B	24.3%	$21.4B	33/100

Where Regions Financial Corp. Ranks

Frequently Asked Questions

What is Regions Financial Corp.'s annual revenue?

Regions Financial Corp. (RF) reported $7.5B in total revenue for fiscal year 2025. This represents a 6.3% 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 Financial Corp.'s revenue growing?

Regions Financial Corp. (RF) revenue grew by 6.3% year-over-year, from $7.1B to $7.5B in fiscal year 2025.

Is Regions Financial Corp. profitable?

Yes, Regions Financial Corp. (RF) reported a net income of $2.2B in fiscal year 2025, with a net profit margin of 28.6%.

What is Regions Financial Corp.'s EBITDA?

Regions Financial Corp. (RF) had EBITDA of $137.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Regions Financial Corp. have?

As of fiscal year 2025, Regions Financial Corp. (RF) had $10.9B in cash and equivalents against $4.1B in long-term debt.

What is Regions Financial Corp.'s operating margin?

Regions Financial Corp. (RF) had an operating margin of 0.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Regions Financial Corp.'s net profit margin?

Regions Financial Corp. (RF) had a net profit margin of 28.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Regions Financial Corp. pay dividends?

Yes, Regions Financial Corp. (RF) paid $1.03 per share in dividends during fiscal year 2025.

What is Regions Financial Corp.'s return on equity (ROE)?

Regions Financial Corp. (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 Financial Corp.'s operating cash flow?

Regions Financial Corp. (RF) generated $2.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Regions Financial Corp.'s total assets?

Regions Financial Corp. (RF) had $158.8B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Regions Financial Corp. buy back shares?

Yes, Regions Financial Corp. (RF) spent $1.1B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Regions Financial Corp. have outstanding?

Regions Financial Corp. (RF) had 864M shares outstanding as of fiscal year 2025.

What is Regions Financial Corp.'s debt-to-equity ratio?

Regions Financial Corp. (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 Financial Corp.'s return on assets (ROA)?

Regions Financial Corp. (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 Financial Corp.'s P/E ratio?

Regions Financial Corp. (RF) trades at 10.3x earnings, its market capitalization divided by net income of $2.2B net income, trailing 12 months to June 30, 2026. The market capitalization is $23.1B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Regions Financial Corp.'s price-to-sales ratio?

Regions Financial Corp. (RF) trades at 3.0x sales, its market capitalization divided by revenue of $7.6B revenue, trailing 12 months to June 30, 2026. The market capitalization is $23.1B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Regions Financial Corp.'s Piotroski F-Score?

Regions Financial Corp. (RF) has a Piotroski F-Score of 7 out of 7 computable signals; 2 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 Financial Corp.'s earnings high quality?

Regions Financial Corp. (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 Financial Corp. cover its interest payments?

Regions Financial Corp. (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 Financial Corp.?

Regions Financial Corp. (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.