Regions Financial Corporation logo RF - Regions Financial Corporation

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY 0
BUY 22
HOLD 26
SELL 4
STRONG
SELL 0
| PRICE TARGET: $30.78 DETAILS
HIGH: $32.00
LOW: $30.00
MEDIAN: $31.00
CONSENSUS: $30.78
UPSIDE: 10.60%
Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 9,608 9,373 9,153 7,481 6,603 6,643 6,696 6,361 5,933 5,822 5,674 5,527 5,743 5,860 6,177 6,874 7,967 9,613 10,923 7,678.8 5,958.0 4,618.1 3,617.9 3,795.9 4,060.4 3,831.5 3,391.8 3,072.5 2,683.6 2,299.4 1,447 929.2 687.7
Cost of Revenue 2,437 2,777 2,130 587 (357) 1,698 1,232 829 507 592 496 365 517 821 2,372 4,111 5,525 4,777 4,231 2,483.2 1,656.5 971.2 866.0 1,166.9 1,795.5 1,972.5 1,542.5 1,333.5 1,187.1 988.5 665.6 369.2 235.1
Gross Profit 7,171 6,596 7,023 6,894 6,960 4,945 5,464 5,532 5,426 5,230 5,178 5,162 5,226 5,039 3,805 2,763 2,442 4,836 6,692 5,195.6 4,301.5 3,647.0 2,751.9 2,629.0 2,264.9 1,858.9 1,849.3 1,739 1,496.5 1,310.9 781.4 560 452.6
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 2,941 2,639 2,526 2,420 2,350 2,230 2,045 2,129 2,059 2,039 2,086 1,980 2,041 1,850 1,666 1,706 1,862 2,468 2,617 1,930.0 1,752.0 1,508.8 1,122.1 1,026.6 879.7 588.9 551.6 528.4 480.8 413.8 261.1 179.2 154.6
Other Expenses 1,487 1,603 1,890 1,598 1,395 1,401 1,434 1,448 1,507 1,527 1,562 1,500 1,520 1,528 1,978 1,901 1,848 8,301 2,036 1,274.0 1,190.9 962.5 718.2 733.2 667.2 528.3 512.7 575.3 421 423.2 226.4 163.8 132.5
Operating Expenses 4,428 4,242 4,416 4,018 3,745 3,631 3,479 3,577 3,566 3,566 3,648 3,480 3,561 3,378 3,644 3,607 3,710 10,769 4,653 3,204.0 2,942.9 2,471.4 1,840.3 1,759.7 1,546.9 1,117.2 1,064.3 1,103.7 901.8 837 487.5 343 287.1
Operating Income
Operating Income 2,743 2,354 2,607 2,876 3,215 1,314 1,985 1,955 1,860 1,664 1,530 1,682 1,665 1,661 161 (844) (1,268) (5,933) 2,039 1,991.6 1,358.6 1,175.6 911.6 869.2 718.0 741.7 785 635.3 594.7 473.9 293.9 217 165.5
Interest Expense 2,082 2,290 1,577 316 167 368 851 602 373 313 268 309 384 603 842 1,248 1,984 2,720 3,676 2,340.8 1,489.8 842.7 744.5 1,039.4 1,630.1 1,845.4 1,428.8 1,273 1,097.4 942.5 635.3 350.2 213.6
Interest Income 7,073 7,108 6,897 5,102 4,081 4,262 4,596 4,337 3,987 3,814 3,603 3,589 3,647 3,903 4,252 4,637 5,277 6,563 8,074 5,649.1 4,271.1 2,955.7 2,219.1 2,537.0 3,055.6 3,234.2 2,854.7 2,597.8 2,276.6 1,954.3 1,259.6 785.8 555.7
Profitability
EBITDA 2,805 2,498 2,843 3,229 3,586 1,735 2,411 2,417 2,397 2,238 2,053 2,205 2,310 2,378 844 (112) (984) (5,562) 2,309 2,151.7 1,438.1 1,280.0 1,091.9 1,044.5 896.7 880.1 915.8 773.3 662.6 526.4 329 257.7 198.5
EBIT 2,743 2,354 2,607 2,876 3,215 1,314 1,985 1,955 1,860 1,664 1,530 1,682 1,665 1,661 161 (844) (1,268) (5,933) 2,039 1,991.6 1,358.6 1,175.6 911.6 869.2 718.0 741.7 785 635.3 594.7 473.9 293.9 217 165.5
Income Before Tax 2,743 2,354 2,607 2,876 3,215 1,314 1,985 1,955 1,860 1,664 1,530 1,682 1,665 1,661 161 (844) (1,268) (5,933) 2,039 1,991.6 1,358.6 1,175.6 911.6 869.2 718.0 741.7 785 635.3 594.7 473.9 293.9 217 165.5
Income Tax Expense 587 461 533 631 694 220 403 387 619 510 455 548 561 482 (28) (376) (194) (348) 646 619.1 395.9 351.8 259.7 249.3 209.0 214.2 259.6 213.6 197.2 156 96.1 71.1 53.5
Net Income 2,156 1,893 2,074 2,245 2,521 1,094 1,582 1,759 1,263 1,163 1,062 1,147 1,091 1,120 (215) (539) (1,031) (5,596) 1,251 1,353.1 1,000.5 823.8 651.8 619.9 508.9 527.5 525.4 421.7 397.5 317.9 197.8 145.9 112
Per Share Data
EPS (Basic) 2.31 1.94 2.11 2.30 2.51 1.03 1.51 1.55 1.01 0.87 0.75 0.80 0.78 0.72 1.51 -0.62 -1.27 -8.09 1.77 2.70 2.17 2.22 2.93 2.76 1.83 1.94 1.92 1.92 1.89 1.64 1.60 1.55 1.41
EPS (Diluted) 2.29 1.93 2.11 2.28 2.49 1.03 1.50 1.54 1.00 0.87 0.75 0.80 0.77 0.71 1.50 -0.62 -1.27 -8.09 1.76 2.67 2.15 2.19 2.90 2.72 1.82 1.92 1.90 1.88 1.86 1.61 1.58 1.53 1.38
Shares Outstanding 875 916 936 935 956 959 995 1,092 1,186 1,255 1,325 1,375 1,395 1,381 995 1,227 989 695.0 708.0 501.7 461.2 368.7 222.1 224.3 277.5 272.6 273.6 219.6 136.2 124.2 92.2 94.1 79.4
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 10,907 10,712 6,801 11,227 29,411 17,956 4,114 3,538 3,911 5,436 7,632 10,183 1,968.4 1,352.4 1,881.1 1,906.8 1,214.1 1,403.1 1,996.9 1,518 808.1 531.7 596.8 579.8
Short-Term Investments 27,560 23,443 28,104 27,933 28,481 27,154 22,606 22,729 23,403 23,920 24,069 18,850 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 571 572 614 511 319 346 362 375 337 319 468 458 823.4 698.1 674.4 773.6 349.6 306.7 292 231.9 139.3 99.1 88.3 67.5
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 511 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 39,549 34,727 35,519 39,671 58,211 45,456 27,082 26,642 27,910 29,675 32,169 29,491 2,791.8 2,050.5 2,555.5 2,680.4 1,563.8 1,709.8 2,288.9 1,749.9 947.4 630.8 685.1 647.3
Non-Current Assets
Property, Plant & Equipment 1,659 1,673 1,642 1,718 1,814 1,897 1,960 2,045 2,064 2,096 2,668 2,786 1,089.1 629.6 638.0 647.2 598.6 580.7 534.4 458.8 276.9 188.3 160.8 140.2
Goodwill 5,733 5,733 5,733 5,733 5,744 5,190 4,845 4,829 4,904 4,904 5,557 5,548 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 140 1,176 1,111 1,061 723 418 450 533 513 545 750 799 823.4 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 5,606 104,532 99,374 98,008 89,394 87,343 85,581 86,657 82,721 82,728 89,836 97,819 71,172.2 42,059.9 41,041.1 39,203.5 40,593.5 39,286.5 32,947 28,276.7 17,006.2 12,441.9 11,510 9,100.9
Other Non-Current Assets 94,081 9,461 8,815 9,029 7,052 7,085 6,322 5,822 6,441 6,159 11,338 9,805 3,307.4 3,858.0 3,704.2 2,851.6 1,308.9 1,137.4 1,061.6 928.7 699.7 447.6 483.4 587.9
Total Non-Current Assets 107,219 122,575 116,675 115,549 104,727 101,933 99,158 99,046 96,384 96,293 110,149 116,757 81,314.6 46,547.5 45,383.3 42,702.4 42,015.6 40,924 34,493.6 29,613.4 17,953.2 13,048.9 12,129.3 9,808.6
Total Assets 159,553 157,302 152,194 155,220 162,938 147,389 126,240 125,688 124,294 125,968 142,318 146,248 84,106.4 48,598.0 47,938.8 45,382.7 43,688.3 42,714.4 36,831.9 31,414.1 18,930.2 13,708.6 12,839.3 10,476.3
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 750 500 0 0 0 0 2,050 1,600 500 0 3,668 15,822 5,995.6 4,427.0 4,085.5 4,098.4 3,133.1 7,625 4,496.8 2,707.4 1,611.9 954.3 1,011.5 203.8
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 131,128 127,603 127,788 131,743 139,072 122,479 97,475 94,491 96,889 99,035 98,680 90,904 58,667.0 32,732.5 32,926.2 31,548.3 32,022.5 29,989.1 28,350 25,011 15,048.4 10,896.2 10,093.1 8,770.7
Total Current Liabilities 131,878 128,103 127,788 131,743 139,072 122,479 99,525 96,091 97,389 99,035 102,348 106,726 64,662.6 37,159.6 37,011.7 35,646.7 35,155.6 37,614.1 32,846.8 27,718.4 16,660.3 11,850.5 11,104.6 8,974.5
Non-Current Liabilities
Long-Term Debt 4,134 5,993 2,330 2,284 2,407 3,569 7,879 12,424 8,132 7,763 18,464 19,231 7,239.6 5,711.8 5,386.1 4,747.7 4,478.0 1,750.9 571 445.5 447.3 552.6 519.2 462.9
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 0 5,296 4,583 5,242 3,133 3,230 2,541 2,083 2,581 2,506 3,625 3,478 1,454.8 1,274.6 1,362.7 952.5 596.7 284.3 413.7 570.4 223.9 180.4 201.6 187.9
Total Non-Current Liabilities 4,134 11,289 6,913 7,526 5,540 6,799 10,420 14,507 10,713 10,269 22,089 22,709 8,694.3 6,986.3 6,748.8 5,700.2 5,074.7 2,035.2 984.7 1,015.9 671.2 733 720.8 650.8
Total Liabilities 140,450 139,392 134,701 139,269 144,612 129,278 109,945 110,598 108,102 109,304 124,437 129,435 73,357.0 44,145.9 43,760.4 41,346.9 40,230.3 39,649.3 33,831.5 28,734.3 17,331.5 12,583.5 11,825.4 9,625.3
Stockholders' Equity
Common Stock 9 9 10 10 10 10 10 11 12 13 12 7 4.7 139.6 138.3 143.8 139.1 137.9 0 0 0 0 0 0
Retained Earnings 10,205 9,060 8,186 7,004 5,550 3,770 3,751 2,828 1,628 666 (3,235) (1,869) 3,663.0 3,329.0 2,952.7 2,592.0 2,333.3 2,044.2 1,729.3 1,466.4 1,050.6 407 431 462.3
Accumulated Other Comprehensive Income (1,535) (2,928) (2,812) (3,343) 289 1,315 (90) (964) (749) (550) 130 (22) (15.2) 49.8 150.5 47.2 (6.0) (139.8) 25 15.9 3.7 0 0 0
Total Stockholders' Equity 19,043 17,879 17,429 15,947 18,326 18,111 16,295 15,090 16,192 16,664 17,881 16,813 10,749.5 4,452.1 4,178.4 4,035.8 3,457.9 3,065.1 3,000.4 2,679.8 1,598.7 1,125.1 1,013.9 851
Total Liabilities & Equity 159,553 157,302 152,194 155,220 162,938 147,389 126,240 125,688 124,294 125,968 142,318 146,248 84,106.4 48,598.0 47,938.8 45,382.7 43,688.3 42,714.4 36,831.9 31,414.1 18,930.2 13,708.6 12,839.3 10,476.3
Debt Metrics
Total Debt 4,884 6,493 2,330 2,284 2,407 3,569 9,929 14,024 8,632 7,763 22,132 35,053 13,235.2 10,138.8 9,471.6 8,846.1 7,611.2 9,375.9 5,067.8 3,152.9 2,059.2 1,506.9 1,530.7 666.7
Net Debt (6,023) (4,219) (4,471) (8,943) (27,004) (14,387) 5,815 10,486 4,721 2,327 14,500 24,870 11,266.8 8,786.4 7,590.5 6,939.3 6,397.1 7,972.8 3,070.9 1,634.9 1,251.1 975.2 933.9 86.9
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 2,156 1,893 2,074 2,245 2,521 1,094 1,582 1,759 1,263 1,163 1,000.5 823.8 651.8 619.9 508.9 527.5 525.4 421.7 397.5 317.9 197.8 145.9 112
Depreciation & Amortization 84 144 236 353 371 421 426 462 537 574 79.5 104.4 180.4 175.2 178.7 138.3 130.7 138.4 67.9 52.5 35.1 40.7 33
Stock-Based Compensation 27 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (689) (1,027) (574) (274) (294) 526 264 (183) (252) (37) 215.2 (173.1) (43.9) (596.6) (883.6) 90.6 231 (947) (181.9) (150.4) (14.5) (44.6) (24.9)
Other Non-Cash Items 525 567 540 756 267 441 247 11 540 270 674.7 275.3 122.0 110.1 140.1 102.5 102.1 78.6 152.3 128.5 48.6 196.6 (56.9)
Operating Cash Flow 2,181 1,598 2,308 3,102 3,030 2,324 2,581 2,275 2,281 2,037 1,916.2 1,072.3 926.4 337.6 (32.1) 954.0 999.5 (303.1) 446.5 354.9 281.3 337.7 61.2
Investing Activities
Capital Expenditure 0 (146) (157) (288) (72) (59) (24) (71) (41) (64) (141.5) (109.0) (70.1) (66.1) (83.4) (150.0) (111.1) (177.4) (63.1) (68) (43.2) (19.7) (17.3)
Acquisitions 0 0 0 0 (1,182) (381) 0 357 0 0 0 1,045.7 170.0 61.2 (19.4) 0 0 0 0 0 0 0 0
Purchases of Investments (7,262) (9,612) (2,610) (8,991) (8,360) (8,956) (8,102) (3,410) (4,898) (7,563) (6,863.3) (4,969.5) (5,377.8) (5,383.6) (3,850.6) (526.9) (5,358.2) (8,044.5) (3,204) (2,733.9) (1,529.9) (2,440.2) (544.9)
Sales/Maturities of Investments 5,306 8,331 3,047 5,840 6,153 5,434 9,052 3,811 4,586 6,587 7,246.0 6,840.1 5,197.0 5,257.8 5,284.3 2,818.2 2,544.5 6,718.6 3,166.6 2,843.8 1,064.6 1,023.8 530.2
Other Investing Activities 718 1,165 (1,887) (9,502) 596 (891) (417) (3,732) (339) 340 (1,014.1) (2,741.9) (897.3) (779.6) 626.0 (2,490.2) (3,096.9) (720.8) (2,307.3) (1,531.2) (153.4) 230.3 (545.9)
Investing Cash Flow (1,418) (262) (1,607) (12,941) (2,865) (4,853) 509 (3,045) (801) (700) (772.9) 65.4 (978.2) (910.4) 1,956.8 (348.9) (6,021.7) (2,224.1) (2,407.8) (1,489.3) (661.9) (1,205.8) (577.9)
Financing Activities
Net Debt Issuance (1,650) 4,140 0 0 (1,234) (8,270) (4,202) 5,399 894 (569) (1,308.1) (2,866.3) 637.7 621.2 (341.3) (1,838.8) 4,282.3 1,859.5 681.2 305.8 (52.8) 859.8 1.9
Stock Repurchased (1,417) (848) (252) (230) (967) (346) (1,101) (2,122) (1,275) (839) (552.5) (187.4) 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (1,003) (994) (885) (762) (716) (698) (656) (516) (410) (381) (628.6) (489.8) (275.5) (259.2) (250.3) (238.4) (221.9) (191.6) (149.4) (116.5) (77) (50.3) (38.8)
Other Financing Activities 3,502 (212) (3,990) (7,353) 13,817 24,993 2,955 (2,434) (2,175) 589 1,876.9 3,161.5 (379.2) 1,120.4 (910.0) 1,465.5 809.9 1,415.8 1,418.5 1,265.2 412.9 166.2 439.8
Financing Cash Flow (568) 2,575 (5,127) (8,345) 11,290 16,371 (2,514) 327 (2,966) (1,200) (612.3) (382.1) (26.6) 1,153.0 (1,899.0) (758.2) 4,628.7 2,910.4 1,910.7 1,351.3 223.7 895.4 516.6
Cash Position
Net Change in Cash 195 3,911 (4,426) (18,184) 11,455 13,842 576 (443) (1,470) 137 531.0 755.6 (78.5) 580.2 25.7 (153.1) (393.4) 383.1 (50.5) (1,303.5) (810.4) (568.8) (568.8)
Cash at Beginning 10,712 6,801 11,227 29,411 17,956 4,114 3,538 3,981 5,451 5,314 2,686.0 1,930.4 1,912.3 1,332.1 1,306.4 1,459.5 1,852.9 1,469.8 1,520.3 1,303.5 810.4 568.8 568.8
Cash at End 10,907 10,712 6,801 11,227 29,411 17,956 4,114 3,538 3,981 5,451 3,216.9 2,686.0 1,833.8 1,912.3 1,332.1 1,306.4 1,459.5 1,852.9 1,469.8 1,723 707.8 1,464.2 1,085.4
Free Cash Flow 2,181 1,452 2,151 2,814 2,958 2,265 2,557 2,204 2,256 1,973 1,774.7 963.3 856.3 271.4 (115.5) 804.0 888.4 (480.5) 383.4 286.9 238.1 318 43.9
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 9,608 9,373 9,153 7,481 6,603 6,643 6,696 6,361 5,933 5,822 5,674 5,527 5,743 5,860 6,177 6,874 7,967 9,613 10,923 7,678.8 5,958.0 4,618.1 3,617.9 3,795.9 4,060.4 3,831.5 3,391.8 3,072.5 2,683.6 2,299.4 1,447 929.2 687.7
Gross Profit 7,171 6,596 7,023 6,894 6,960 4,945 5,464 5,532 5,426 5,230 5,178 5,162 5,226 5,039 3,805 2,763 2,442 4,836 6,692 5,195.6 4,301.5 3,647.0 2,751.9 2,629.0 2,264.9 1,858.9 1,849.3 1,739 1,496.5 1,310.9 781.4 560 452.6
Operating Income 2,743 2,354 2,607 2,876 3,215 1,314 1,985 1,955 1,860 1,664 1,530 1,682 1,665 1,661 161 (844) (1,268) (5,933) 2,039 1,991.6 1,358.6 1,175.6 911.6 869.2 718.0 741.7 785 635.3 594.7 473.9 293.9 217 165.5
Net Income 2,156 1,893 2,074 2,245 2,521 1,094 1,582 1,759 1,263 1,163 1,062 1,147 1,091 1,120 (215) (539) (1,031) (5,596) 1,251 1,353.1 1,000.5 823.8 651.8 619.9 508.9 527.5 525.4 421.7 397.5 317.9 197.8 145.9 112
EPS (Diluted) 2.29 1.93 2.11 2.28 2.49 1.03 1.50 1.54 1.00 0.87 0.75 0.80 0.77 0.71 1.50 -0.62 -1.27 -8.09 1.76 2.67 2.15 2.19 2.90 2.72 1.82 1.92 1.90 1.88 1.86 1.61 1.58 1.53 1.38
Balance Sheet
Cash & Equivalents 10,907 10,712 6,801 11,227 29,411 17,956 4,114 3,538 3,911 5,436 7,632 10,183 1,968.4 1,352.4 1,881.1 1,906.8 1,214.1 1,403.1 1,996.9 1,518 808.1 531.7 596.8 579.8
Total Assets 159,553 157,302 152,194 155,220 162,938 147,389 126,240 125,688 124,294 125,968 142,318 146,248 84,106.4 48,598.0 47,938.8 45,382.7 43,688.3 42,714.4 36,831.9 31,414.1 18,930.2 13,708.6 12,839.3 10,476.3
Total Debt 4,884 6,493 2,330 2,284 2,407 3,569 9,929 14,024 8,632 7,763 22,132 35,053 13,235.2 10,138.8 9,471.6 8,846.1 7,611.2 9,375.9 5,067.8 3,152.9 2,059.2 1,506.9 1,530.7 666.7
Stockholders' Equity 19,043 17,879 17,429 15,947 18,326 18,111 16,295 15,090 16,192 16,664 17,881 16,813 10,749.5 4,452.1 4,178.4 4,035.8 3,457.9 3,065.1 3,000.4 2,679.8 1,598.7 1,125.1 1,013.9 851
Cash Flow
Operating Cash Flow 2,181 1,598 2,308 3,102 3,030 2,324 2,581 2,275 2,281 2,037 1,916.2 1,072.3 926.4 337.6 (32.1) 954.0 999.5 (303.1) 446.5 354.9 281.3 337.7 61.2
Capital Expenditure 0 (146) (157) (288) (72) (59) (24) (71) (41) (64) (141.5) (109.0) (70.1) (66.1) (83.4) (150.0) (111.1) (177.4) (63.1) (68) (43.2) (19.7) (17.3)
Free Cash Flow 2,181 1,452 2,151 2,814 2,958 2,265 2,557 2,204 2,256 1,973 1,774.7 963.3 856.3 271.4 (115.5) 804.0 888.4 (480.5) 383.4 286.9 238.1 318 43.9