A Business at a Glance
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Item 1. Business Regions Financial Corporation is a FHC headquartered in Birmingham, Alabama operating in the South, Midwest and Texas. In addition, Regions operates several offices delivering specialty capabilities in New York, Washington D.C., Chicago, Salt Lake City, and other locations nationwide. Regions provides financial solutions for a wide range of clients including retail and mortgage banking services, commercial banking services and wealth and investment services. Further, Regions and its subsidiaries deliver other financial services operations described below. At December 31, 2025, Regions had total consolidated assets of approximately $158.8 billion, total consolidated deposits of approximately $131.1 billion and total consolidated shareholders’ equity of approximately $19.0 billion.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 9.6B | 9.6B | 9.4B | 9.2B | 7.5B | 6.6B |
| Net Income | 2.1B | 2.1B | 1.8B | 2.0B | 2.1B | 2.4B |
| EPS | $2.30 | $2.30 | $1.93 | $2.11 | $2.28 | $2.49 |
| Free Cash Flow | 2.2B | 2.2B | 1.6B | 2.3B | 3.1B | 3.0B |
| ROIC | 16.4% | 8.8% | 7.4% | 10.0% | 11.8% | 11.6% |
| Gross Margin | 76.7% | 76.7% | 73.8% | 80.2% | 92.2% | 89.5% |
| Debt/Equity | 0.26 | 0.26 | 0.36 | 0.13 | 0.14 | 0.13 |
| Dividends/Share | $1.02 | $1.03 | $0.98 | $0.88 | $0.74 | $0.65 |
| Operating Income | 2.7B | 2.7B | 95M | 212M | - | - |
| Operating Margin | 28.5% | 28.5% | 1.0% | 2.3% | - | - |
| ROE | 10.8% | 11.2% | 9.9% | 11.3% | 13.5% | 13.1% |
| Shares Outstanding | 896M | 896M | 919M | 936M | 941M | 964M |
REGIONS FINANCIAL CORP passes 6 of 9 quality checks, suggesting mixed fundamentals.
REGIONS FINANCIAL CORP trades at 12.1x trailing earnings, compared to its 15-year median P/E of 10.4x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 11.4x vs a median of 6.3x. The company's 5-year average ROIC is 9.9% with a gross margin of 82.5%. Total shareholder yield (dividends + buybacks) is 7.9%. At current prices, the estimated annualized return to fair value is -0.5%.
REGIONS FINANCIAL CORP (RF) has a current P/E ratio of 12.1, compared to its historical median P/E of 10.4. The stock is currently considered Fair based on its historical valuation range.
REGIONS FINANCIAL CORP (RF) has a 5-year average return on invested capital (ROIC) of 9.9%. This is below average and may indicate limited pricing power.
REGIONS FINANCIAL CORP (RF) has a market capitalization of $24.9B. It is classified as a large-cap stock.
Yes, REGIONS FINANCIAL CORP (RF) pays a dividend with a trailing twelve-month yield of 3.66%. The company also returns capital through share buybacks, with a buyback yield of 4.28%.
Based on historical P/E analysis, REGIONS FINANCIAL CORP (RF) appears fair. The current P/E of 12.1 is 17% above its historical median of 10.4. The estimated fair value CAGR (P/E method) is 9.2%.
REGIONS FINANCIAL CORP (RF) operates in the National Commercial Banks industry, within the Financials sector.
REGIONS FINANCIAL CORP (RF) reported annual revenue of $9.6 billion in its most recent fiscal year, based on SEC EDGAR filings.
REGIONS FINANCIAL CORP (RF) has a net profit margin of 21.5%. This is a strong margin indicating high profitability.
REGIONS FINANCIAL CORP (RF) generated $2.2 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
REGIONS FINANCIAL CORP (RF) has a debt-to-equity ratio of 0.26. This indicates a conservatively financed balance sheet.
REGIONS FINANCIAL CORP (RF) reported earnings per share (EPS) of $2.30 in its most recent fiscal year.
REGIONS FINANCIAL CORP (RF) has a return on equity (ROE) of 11.2%. This indicates moderate shareholder returns.
REGIONS FINANCIAL CORP (RF) has a 5-year average gross margin of 82.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 19 years of financial data for REGIONS FINANCIAL CORP (RF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
REGIONS FINANCIAL CORP (RF) has a book value per share of $21.25, based on its most recent annual SEC filing.