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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
$21.75B
P/E (TTM)
9.8
13.8
Dividend Yield
4.2%
52W High
$27.96
52W Low
$17.74
52W Range
65%
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: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$3.02B+26.21%
4-Quarter Trend

EPS

$0.70+42.86%
4-Quarter Trend

FCF

$861.00M-31.12%
4-Quarter Trend

2025 Q2 Earnings Highlights

Key Highlights

NII Growth Strong Q2 Net Interest Income reached $1.26B, increasing $73M year-over-year, driven by higher asset yields and lower funding costs.
Capital Position Solid Estimated CET1 ratio is 10.76%; Stress Capital Buffer remains floored at 2.5 percent through the third quarter of 2025.
Asset Quality Improving Non-performing loans fell to $776M; ACL coverage ratio remained stable at 1.80 percent of period-end loans.
Shareholder Returns Active Repurchased $386M in common stock H1 2025; increased quarterly dividend to $0.265 per share starting October 2025.

Risk Factors

Economic Headwinds Persist Baseline forecast reflects downside risks due to trade policy uncertainty and potential impacts on labor market growth.
Interest Rate Sensitivity Balance sheet remains asset sensitive; EVE analysis shows asset duration slightly shorter than liability duration (2.5 vs 2.6 years).
Regulatory Capital Changes Evaluating potential material impact from proposed Basel III Endgame rules on future capital requirements and planning.
Deposit Funding Costs Managing funding costs as deposit remixing continues despite lower short-term interest rates environment.

Outlook

NIM Outlook Neutral Net interest income profile expected neutral to gradual parallel yield curve shifts over the next 12-month horizon.
Credit Outlook Stable Allowance remained stable Q/Q due to portfolio stability offsetting slight deterioration in the economic forecast.
Capital Deployment Focus Expecting to maintain capital strength while continuing common stock repurchase authorization through the fourth quarter of 2025.
New Accounting Adopted Adopted ASU 2023-05 and ASU 2023-09 effective January 1, 2025 with no immediate material impact expected.

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

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
PNC$72.26B11.111.5%11.0%
MTB$28.18B10.79.6%7.1%
FITB$28.10B11.611.7%8.8%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
+8.1%
Steady Growth
4Q Net Income CAGR
+6.3%
Profitability Improving
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 4, 2025|
    Revenue: $3.02B+26.2%
    |
    EPS: $0.70+42.9%
    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