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Regions Financial Corporation

Regions Financial Corporation

NYSE•RF
CEO: Mr. John M. Turner Jr.
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1980-03-17
Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as deposits. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.
Contact Information
1900 Fifth Avenue North, Birmingham, AL, 35203, United States
800-734-4667
www.regions.com
Market Cap
$25.89B
P/E (TTM)
11.9
15
Dividend Yield
3.6%
52W High
$28.76
52W Low
$17.74
52W Range
100%
Rank47Top 48.2%
3.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$2.46B+2.63%
4-Quarter Trend

EPS

$0.62+26.53%
4-Quarter Trend

FCF

$861.00M-31.12%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Q3 Profitability Growth Net income available to common shareholders rose to $548M in Q3 2025, up significantly from $446M in Q3 2024, driven by better NII performance.
Net Interest Margin Expansion Taxable-equivalent NIM increased 5 basis points to 3.59% due to higher yielding fixed-rate assets and improving funding costs as rates declined.
Asset Quality Shows Improvement Total non-performing loans decreased to $758M from $928M at year-end 2024; provision expense declined to $105M for the quarter.
Solid Capital Ratios Maintained Regions Financial Corp CET1 ratio stood at 10.86% as of September 30, 2025, well above the 7.00% minimum requirement plus SCB.

Risk Factors

Credit Quality Deterioration Risk Net charge-off ratio increased to 0.55% in Q3 2025 (from 0.48% in Q3 2024), reflecting charge-offs reserved for in previously identified portfolios.
Interest Rate Sensitivity Exposure NII remains exposed to intermediate/long-term yield curve shifts; sensitivity analysis shows potential NII change of $51M under a +100 basis point gradual rate increase.
Regulatory Capital Uncertainty Proposals regarding Basel III "Endgame" capital requirements continue to be monitored, potentially requiring future adjustments to capital planning.
Deposit Competition/Funding Costs Competition for deposits influences funding costs; money market deposits grew $3.4B since year-end 2024, reflecting customer preference for liquidity.

Outlook

Baseline Economic Forecast Downside September baseline forecast reflects deterioration versus June, with risks weighted to the downside, potentially influencing future allowance levels.
Credit Metrics Volatility Expected Future net charge-offs and credit metrics volatility expected due to economic trends like interest rates, inflation, and collateral valuations for remainder of 2025.
Continued Expense Management Focus Management continues to focus on achieving expense management initiatives, despite increases in salaries and regulatory/professional fees during the quarter.
Capital Deployment Plans Board authorized up to $2.5B common stock repurchase through Q4 2025; $637M repurchased in the nine months ended September 30, 2025.

Peer Comparison

Revenue (TTM)

The PNC Financial Services Group, Inc.PNC
$33.80B
+0.5%
Fifth Third BancorpFITB
$12.82B
-2.4%
M&T Bank CorporationMTB
$12.32B
-7.8%

Gross Margin (Latest Quarter)

First Horizon CorporationFHN
100.6%
+41.3pp
M&T Bank CorporationMTB
95.0%
+29.8pp
Citizens Financial Group, Inc.CFG
92.7%
+36.4pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
PNC$85.51B13.211.5%11.0%
FITB$32.91B13.811.7%8.9%
MTB$32.48B12.49.6%7.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
0.9%
Moderate Growth
4Q Net Income CAGR
2.1%
Profitability Slowly Improving
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Jan 16, 2026
|
EPS:$0.61
|
Revenue:$1.94B
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 4, 2025|
    Revenue: $2.46B+2.6%
    |
    EPS: $0.62+26.5%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 5, 2025|
    Revenue: $2.43B+5.3%
    |
    EPS: $0.59+13.5%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 6, 2025|
    Revenue: $2.32B+1.2%
    |
    EPS: $0.51+37.8%
    Meet

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 21, 2025|
    Revenue: $9.37B+2.4%
    |
    EPS: $1.94-8.1%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 5, 2024|
    Revenue: $2.39B+2.6%
    |
    EPS: $0.49+0.0%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 6, 2024|
    Revenue: $2.31B-0.3%
    |
    EPS: $0.52-11.9%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 7, 2024|
    Revenue: $2.29B+5.1%
    |
    EPS: $0.37-41.3%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 23, 2024|
    Revenue: $9.15B+22.4%
    |
    EPS: $2.11-8.3%
    Beat