Regions Financial CorpRegions Financial Corp
Regions Financial Corp

Regions Financial Corp

RF
Financials·Banks

Regions Financial Corp. is a bank holding company, which engages in providing consumer and commercial banking, wealth management, and mortgage products and services. It operates through the following segments: Corporate Bank, Consumer Bank, Wealth Management, and Other. The Corporate Bank segment represents the commercial banking functions including commercial and industrial, commercial real estate, and investor real estate lending. The Consumer Bank segment holds the branch network, including consumer banking products and services related to residential first mortgages, home equity lines and loans, small business loans, indirect loans, consumer credit cards, and other consumer loans. The Wealth Management segment offers individuals, businesses, governmental institutions and non-profit entities a range of solutions to help protect, grow and transfer wealth. The Other segment includes its treasury function, the securities portfolio, wholesale funding activities, interest rate risk management activities, and other corporate functions that are not related to a strategic business unit. The company was founded on June 26, 1970 and is headquartered in Birmingham, AL.

Alabama; U.S.A
Market cap
No dataNo data
Revenue
$7.5B+6.3% YoY
Net income
$2.2B+13.9% YoY
Free cash flow
$2B+42.3% YoY

Market

Listed stock
RFPriceNYSE
Loading…Loading…1Y

Financial performance

Revenue
$7.5B+6.3% YoY
Operating income
$53M−44.2% YoY
Net income
$2.2B+13.9% YoY
Free cash flow
$2B+42.3% YoY

Revenue, profit & cash trend

Revenue
Operating income
Net income
Free cash flow
Reference
Revenue: 2021 $6.4B, 2022 $7.2B, 2023 $7.6B, 2024 $7.1B, 2025 $7.5B. Operating income: 2021 $5.3B, 2022 $6B, 2023 $212M, 2024 $95M, 2025 $53M. Net income: 2021 $2.5B, 2022 $2.2B, 2023 $2.1B, 2024 $1.9B, 2025 $2.2B. Free cash flow: 2021 $2.9B, 2022 $3B, 2023 $2.1B, 2024 $1.4B, 2025 $2B. Reference line: Reference at $0.

Growth & profitability

Revenue growth
6.3%+1276 bps YoY
Gross margin
No dataNo data
Operating margin
No dataNo data
FCF margin
No dataNo data

Earnings power over time

Operating income
Net income
Free cash flow
Operating income: 2021-12-31 $5.3B, 2022-12-31 $6B, 2023-12-31 $212M, 2024-12-31 $95M, 2025-12-31 $53M. Net income: 2021-12-31 $2.5B, 2022-12-31 $2.2B, 2023-12-31 $2.1B, 2024-12-31 $1.9B, 2025-12-31 $2.2B. Free cash flow: 2021-12-31 $2.9B, 2022-12-31 $3B, 2023-12-31 $2.1B, 2024-12-31 $1.4B, 2025-12-31 $2B

Growth heatmap

2022202320242025CAGR
Revenue
+12.1%
+5.0%
-6.5%
+6.3%
+4.0%
Gross profit
+17.4%
+1.1%
-6.1%
+7.0%
+4.5%
Operating income
+14.6%
-96.5%
-55.2%
-44.2%
-68.3%
Free cash flow
+2.5%
-29.5%
-32.9%
+42.3%
-8.9%

Earnings quality

Operating cash flow
$2.2B+36.5% YoY
Net income
$2.2B+13.9% YoY
Free cash flow
$2B+42.3% YoY
Diluted EPS
No dataNo data

Cash conversion quality

Operating cash flow
Free cash flow
Net income = 100%
Operating cash flow: 2025-12-31 101%, 2024-12-31 84%, 2023-12-31 111%, 2022-12-31 138%, 2021-12-31 120%. Free cash flow: 2025-12-31 94%, 2024-12-31 75%, 2023-12-31 102%, 2022-12-31 134%, 2021-12-31 117%. Reference line: Net income = 100% at 100%.

Per-share economics

Diluted EPS
Latest
No data
FCF / share
Latest
No data
Diluted shares
Latest
No data

Financial flexibility

Cash & equivalents
No dataNo data
Total debt
No dataNo data
Net debt
No dataNo data
Current ratio
No dataNo data

Cash Coverage of Debt

Cash / Total debt
No data

Returns

Return on equity
No dataNo data
Return on assets
No dataNo data
Return on invested capital
No dataNo data
Asset turnover
No dataNo data

Return on capital

No data

Valuation

Price to earnings
No dataNo data
Price to sales
No dataNo data
EV / EBITDA
No dataNo data
Free cash flow yield
No dataNo data

Valuation vs its own 5Y history

Metric
Own five-year range
Current
Own 5Y median
Position in own range
Price to earnings
No data
No data
No data
No data
Price to sales
No data
No data
No data
No data
EV / EBITDA
No data
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Free cash flow yield
No data
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