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Regions Financial Corporation, a financial holding company, provides various banking and related products and 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; capital markets activities, such as securities underwriting and placement; and loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services to 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 the corresponding deposit relationships. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; home improvement lending, investment advisory services, equipment financing for commercial clients, small business customers, low-income housing tax credit corporate fund syndication services, financing to CRA-qualified customers, and broker-dealer services to commercial clients, as well as other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $7.5B | - | $2.2B | $2.2B | 12.2% | 6.3% | 13.9% |
| 2024 | $7.1B | - | $1.9B | $1.5B | 11.7% | -6.5% | -8.7% |
| 2023 | $7.6B | - | $2.1B | $2.2B | 13.2% | 5.7% | -7.6% |
| 2022 | $7.2B | - | $2.2B | $2.8B | 15.7% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 7,165 | 7,576 | 7,083 | 7,526 |
| Operating Revenue | - | 7,165 | 7,576 | 7,083 | 7,526 |
| Selling General And Administration | - | 2,481 | 2,754 | 2,748 | 2,787 |
| Interest Income | - | 5,102 | 6,897 | 7,108 | 7,073 |
| Interest Expense | - | 316 | 1,577 | 2,290 | 2,082 |
| Net Interest Income | - | 4,786 | 5,320 | 4,818 | 4,991 |
| Pretax Income | - | 2,876 | 2,607 | 2,354 | 2,743 |
| Tax Provision | - | 631 | 533 | 461 | 587 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 10.31 | -0.62 | -0.59 | 1.07 |
| Net Income Continuous Operations | - | 2,245 | 2,074 | 1,893 | 2,156 |
| Net Income From Continuing And Discontinued Operation | - | 2,245 | 2,074 | 1,893 | 2,156 |
| Net Income From Continuing Operation Net Minority Interest | - | 2,245 | 2,074 | 1,893 | 2,156 |
| Net Income | - | 2,245 | 2,074 | 1,893 | 2,156 |
| Net Income Common Stockholders | - | 2,146 | 1,976 | 1,774 | 2,061 |
| Net Income Including Noncontrolling Interests | - | 2,245 | 2,074 | 1,893 | 2,156 |
| Normalized Income | - | 2,208.31 | 2,076.39 | 1,895.41 | 2,152.07 |
| Diluted NI Availto Com Stockholders | - | 2,146 | 1,976 | 1,774 | 2,061 |
| Basic Average Shares | - | 935 | 936 | 916 | 892 |
| Diluted Average Shares | - | 942 | 938 | 918 | 896 |
| Reconciled Depreciation | - | 353 | 236 | 144 | 84 |
| Total Unusual Items | - | 47 | -3 | -3 | 5 |
| Total Unusual Items Excluding Goodwill | - | 47 | -3 | -3 | 5 |
| Preferred Stock Dividends | - | 99 | 98 | 119 | 95 |
| Special Income Charges | - | 47 | -3 | -3 | 5 |
| Other Special Charges | - | -50 | 118 | 109 | 58 |
| Restructuring And Mergern Acquisition | - | 3 | 7 | 3 | -5 |
| Gain On Sale Of Security | - | -1 | -5 | -208 | -53 |
| General And Administrative Expense | - | 2,379 | 2,644 | 2,638 | 2,674 |
| Salaries And Wages | - | 2,318 | 2,416 | 2,529 | 2,616 |
| Insurance And Claims | - | 61 | 228 | 109 | 58 |
| Selling And Marketing Expense | - | 102 | 110 | 110 | 113 |
| Otherunder Preferred Stock Dividend | 3 | - | - | - | - |
| Occupancy And Equipment | - | 692 | 701 | 684 | 709 |
| Professional Expense And Contract Services Expense | - | 263 | 85 | 94 | 111 |
| Other Non Interest Expense | - | 629 | 873 | 713 | 711 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Regions Financial Corporationthis co. | RF | $24.3B | 11.25↓ discount | 1.37 | 12.2% | - |
| Cincinnati Financial Corporation | CINF | $24.9B | 10.39 | 1.56 | 15.0% | - |
| W. R. Berkley Corporation | WRB | $24.7B | 13.87 | 2.54 | 18.3% | - |
| Willis Towers Watson Public Limited Company | WTW | $24.4B | 15.22 | 3.06 | 20.1% | 10.72 |
| Synchrony Financial |
| - |
| - |
| - |
| - |
| - |
| - |
| SYF |
| $23.8B |
| 6.86 |
| 1.42 |
| 20.7% |
| - |
| KeyCorp | KEY | $23.5B | 12.85 | 1.31 | 10.2% | - |
| T. Rowe Price Group, Inc. | TROW | $22.9B | 11.25 | 2.11 | 18.8% | 6.48 |
| Principal Financial Group, Inc. | PFG | $22.4B | 18.87 | 1.88 | 10.0% | - |
| Loews Corporation | L | $21.6B | 12.96 | 1.16 | 8.9% | - |
| Peer Median | - | 12.90 | 1.72 | 16.7% | 8.60 | |