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

$22.24B

P/E (TTM)

10.3

13.1

Dividend Yield

4.1%

52W High

$31.53

52W Low

$17.74

52W Range

55%

Rank44Top 53.8%

3.7

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.7 / 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

Q4 2025 Data

Revenue

$2.41B+0.88%

4-Quarter Trend

EPS

$0.59+5.36%

4-Quarter Trend

FCF

-$324.00M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Net Interest Income Growth NII rose to $5.04B in 2025, driven by 7 basis point NIM expansion to 3.61% due to lower funding costs.

Robust Capital Ratios Maintained Tier 1 Capital Ratio stood strong at 11.99% and CET1 ratio at 10.89% as of year-end 2025, exceeding minimums.

Loan Portfolio Slight Contraction Total net loans decreased by $1.1B to $95.6B in 2025, partially offset by growth in capital markets and fee income.

Asset Quality Metrics Mixed Net charge-offs increased to $513M in 2025, yet the total allowance for credit losses slightly decreased to $1.686B.

Risk Factors

Commercial Real Estate Weakness Weakness in CRE, particularly office properties, poses risk; non-performing loans in this segment increased year-over-year.

Interest Rate Sensitivity Exposure Balance sheet is asset sensitive; sudden rate shifts could impact NII, though hedging activities mitigate immediate volatility.

Cybersecurity and Technology Threats Significant financial and non-financial resources devoted to mitigating evolving cyber-attacks and system failures impacting operations.

Evolving Regulatory Capital Rules Subject to complex and evolving regulations; potential impact from Basel III Endgame proposals on capital requirements and compliance costs.

Outlook

Favorable 2026 Economic Forecast Baseline forecast anticipates 2.7% real GDP growth in 2026, supported by household liquidity and productivity gains.

Anticipated Federal Funds Rate Easing FOMC cut rates three times in 2025; further easing in 2026 is possible but limited by persistent inflation upside risks.

Increased Technology Investment Focus Continued move toward digital banking requires greater investment in technology to meet evolving customer expectations.

Navigating Emerging AI Risks Development and use of AI presents legal, regulatory, and operational challenges, including model transparency and bias concerns.

Peer Comparison

Revenue (TTM)

PNC

$33.99B

+0.9%

FITB

$12.87B

-1.6%

HBAN

$12.49B

+4.4%

Gross Margin (Latest Quarter)

CFG

100.0%

+40.1pp

79.8%

+8.8pp

FITB

71.4%

+10.6pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
PNC	$81.36B	11.5	11.9%	10.0%
FITB	$29.52B	11.6	12.0%	6.8%
MTB	$29.52B	11.3	9.9%	6.1%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.3%

Moderate Growth

4Q Net Income CAGR

2.9%

Profitability Slowly Improving

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 15, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data