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Stocks / United States / RF · National Commercial Banks · NYSE

Regions Financial Corp. (RF)

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Regions Financial Corp. (RF) reported revenue of $1.7 billion for Q2 FY2026, the quarter ended 30 June 2026, down 2.0% on the same quarter a year earlier. Net income was $570 million, up 1.2% on the year, and diluted earnings per share $0.64. The figures are the company's own, from the 10-Q it filed with the SEC on 6 August 2026.

Revenue$1.7 billiondown 2.0%
Net income$570 millionup 1.2%
Diluted EPS$0.64
QuarterQ2 FY2026ended 30 June 2026

Ratios

From the filings

ROE11.8%
Net margin31.8%
Debt to equity0.25
Share count, 1 year-4.5%
Sales CAGR, 3 years11.5%
Profit CAGR, 3 years-1.3%
EPS, TTM$2.46

At the close of 21 September 2026

Price$28.55
Market cap$24.3 billion
Stock P/E11.61
Price to book1.29
EV / EBITDAn/a
Dividend yield3.6%
Market cap / sales3.47
52-week high$32.40
52-week low$23.35
Price, 1 year5.1%
Price CAGR, 3 years18.7%
Price CAGR, 5 years7.9%

Every figure is arithmetic on the filed lines (hover a name for the formula); the priced ones use the latest daily close, CBOE delayed quotes, daily history, by CBOE, for splits. Debt to equity here stands on long-term debt as Regions Financial Corp. files it, with lease liabilities counted separately and never inside it. Regions Financial Corp. files on the bank format, which does not report a return on capital employed, an operating margin or interest cover, so those are left out here rather than shown as a blank. Free cash flow margin and cash conversion are left out too, by our choice: a bank's operating cash flow moves with its lending and deposits, so neither ratio means for a bank what it means for an operating company. Nothing here is a valuation or a view.

Price, 17 September 2021 to 21 September 2026

Daily closes from CBOE delayed quotes, daily history, by CBOE, for splits; the last is 21 September 2026. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Drawn in your browser; the range and overlay you pick are remembered here only.

The public record on RF

Filings22 in twelve months: 13 current reports (8-K), about 10 regulation fd disclosure; 4 results of operations; 3 officer or director change; 2 charter or bylaw amendment, or fiscal year change; 1 shareholder vote
Planned insider sales3 Form 144 notices in twelve months, $3.4 million; latest 18 May 2026
Options tapeput/call 0.22 by open interest on 23 September 2026; the straddle prices a 6.0% move to 16 October 2026
Holders7 of the followed funds hold it; largest Geode Capital Management; 3 Schedule 13D or 13G filings in twelve months
Insider trading3 sales and 0 purchases on Form 4 in twelve months
Congress0 House trades disclosed in six months
Short interest55.8 million shares short, 7.34 days to cover at 31 August 2026
Documentsthe 10-K, the 10-Qs, the proxy and 4 earnings press releases, each linked

Quarterly results, the last 12 quarters

Q3 FY2023Q4 FY2023 *Q1 FY2024Q2 FY2024Q3 FY2024Q4 FY2024 *Q1 FY2025Q2 FY2025Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026
Revenue1,7661,7511,7241,7621,8201,8021,7251,7841,7961,7681,7021,748
Interest expense475520540576n/an/an/an/an/an/an/an/a
Pre-tax income619471464625608657621706708708714718
Tax rate21%17%21%20%19%19%21%20%20%25%22%21%
Net income490391368501490534490563569534559570
Net margin28%22%21%28%27%30%28%32%32%30%33%33%
Diluted EPS$0.49$0.41$0.37$0.52$0.49$0.55$0.51$0.59$0.61$0.59$0.62$0.64
Operating cash flow8608553961611,261-2201,066573861-319867369
Buybacks0.025210287.010158.024214425143040159.0
Dividends paid187226222220220228227226224235230228
Shares outstanding930m919m916m915m909m905m899m892m877m864m853m852m
Filing10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Profit and loss, 12 fiscal years and the trailing twelve months

FY2014 FY2015 FY2016 FY2017 FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025TTM
Revenue3,5883,60358.060.071.079.084.01045,1026,8977,1087,0737,014
Operating incomen/an/an/an/an/an/an/a46.056.021295.053.0n/a
Operating marginn/an/an/an/an/an/an/a44.2%1.1%3.1%1.3%0.7%n/a
Interest expense3092683133736028513681673161,577n/an/an/a
Pre-tax income1,6821,5301,6641,8601,9551,9851,3143,2152,8762,6072,3542,7432,848
Income tax548455510619387403220694631533461587616
Effective tax rate32.6%29.7%30.6%33.3%19.8%20.3%16.7%21.6%21.9%20.4%19.6%21.4%21.6%
Net income1,1471,0621,1631,2631,7591,5821,0942,5212,2452,0741,8932,1562,232
Net margin32.0%29.5%2005.2%2105.0%2477.5%2002.5%1302.4%2424.0%44.0%30.1%26.6%30.5%31.8%
Diluted EPS$0.80$0.75$0.87$1.00$1.54$1.50$1.03$2.49$2.28$2.11$1.93$2.30$2.46
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K

Income statement lines from each year's 10-K, the year linked to its filing; TTM is the sum of the last four quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Cash flow and capital returned

FY2014 FY2015 FY2016 FY2017 FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025TTM
Operating cash flow2,1071,5992,0372,2972,2752,5812,3243,0303,1022,3081,5982,1811,778
Depreciation and amortisation52352357453746242642137135323614484.090.0
Share-based compensation30.0n/an/an/an/an/an/an/an/a61.073.069.0n/a
Buybacks2566238391,2752,1221,1010.04672302523481,0671,141
Dividends paid247304317346452577595608663787890912917
Dividend per share$0.18$0.23$0.26$0.32$0.46$0.59$0.62$0.65$0.74$0.88$0.98$1.03n/a
Diluted shares, weighted1,387m1,334m1,261m1,198m1,102m999m962m963m942m938m918m896m857m
Shares outstanding at period endn/an/an/an/an/an/an/an/an/an/an/an/a852m
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K

Buybacks and dividends are the cash paid in the year, from the cash flow statement; the dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet at year end

FY2014 FY2015 FY2016 FY2017 FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025TTM
Total assets119,679126,050125,968124,294125,688126,240147,389162,938155,220152,194157,302158,814161,299
Cash and equivalents4,0045,3145,4513,9813,5384,11417,95629,41111,2276,80110,71210,9079,926
Goodwill4,8164,8784,9044,9044,8294,8455,1905,7445,7335,7335,7335,7335,733
Long-term debt3,4628,3497,7638,13212,4247,8793,5692,4072,2842,3305,9934,1344,628
Shareholders' equity16,87316,84416,66416,19215,09016,29518,11118,32615,94717,42917,87919,04318,840
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K

At the fiscal year end; the TTM column is the latest quarter end. A line the company does not tag under the usual name is left out.

Compounded growth

10 years5 years3 yearsTTM
Sales growth, compounded7.0%142.7%11.5%-1.6%
Profit growth, compounded7.3%14.5%-1.3%7.5%
Return on equity, average10.4%12.3%11.3%11.3%

Compounded growth is the latest fiscal year over the year that many years earlier, annualised; the TTM column is the last four quarters over the four before. Return on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Peers: National Commercial Banks

CompanyMarket capP/EROEOp. marginSales growth
TTM
Debt to equityDiv. yield
JPMorgan Chase & Co. JPM$935.8 billion15.0817.4%n/a13.5%n/a1.6%
Bank of America Corp. BAC$406.8 billionn/an/an/an/a1.131.9%
Wells Fargo & Company WFC$262.1 billion12.6012.5%n/a3.9%1.012.0%
Citigroup Inc. C$236.2 billion19.326.7%n/a5.0%1.491.7%
Capital One Financial Corp. COF$125.7 billion11.899.2%n/a45.3%0.391.5%
U.S. Bancorp USB$94.2 billion12.0612.1%n/a6.7%0.813.4%
PNC Financial Services Group, Inc. PNC$93.1 billion12.8411.5%n/a13.2%1.342.8%
Truist Financial Corp. TFC$59.9 billion11.218.6%n/a-1.8%0.674.2%
Huntington Bancshares Inc. /Md/ HBAN$32.5 billion12.346.8%n/a13.5%0.663.9%
Regions Financial Corp. RF$24.3 billion11.6111.8%n/a-1.6%0.253.6%
Keycorp KEY$22.3 billion12.1310.3%n/a51.1%0.553.9%

The names on this site in the same industry (the SEC's SIC description), by market capitalisation. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close.

Filings

FilingPeriodFiledWhere
10-Q30 June 20266 August 2026EDGAR
10-Q31 March 20267 May 2026EDGAR
10-K31 December 202524 February 2026EDGAR
10-Q30 September 20254 November 2025EDGAR
10-Q30 June 20255 August 2025EDGAR
10-Q31 March 20256 May 2025EDGAR
10-K31 December 202421 February 2025EDGAR
10-Q30 September 20245 November 2024EDGAR
10-Q30 June 20246 August 2024EDGAR
10-Q31 March 20247 May 2024EDGAR

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