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Regions Financial (RF) FY2025 results: revenue $7.5 billion, up 6.3% on the year

Regions Financial Corp. (RF) reported revenue of $7.5 billion for fiscal 2025, the year ended 31 December 2025, up 6.3% on the year before. Net income was $2.2 billion, up 13.9%, and diluted earnings per share $2.30. The figures are the company's own, from the 10-K it filed with the SEC on 24 February 2026.

Revenue
$7.5 billion
+6.3% on the year
FY2018FY2025
Operating margin
0.7%
1.3% a year earlier
FY2018FY2025
Net income
$2.2 billion
+13.9% on the year
FY2018FY2025
Diluted EPS
$2.30
+19.2% on the year
FY2018FY2025

this yearthe year beforeHover a bar for its figure.

The year in brief

What management said about the year

Guidance figures: 1 new.

  • Fourth-quarter earnings and diluted EPS: Fourth-quarter earnings were $514 million and diluted EPS was $0.58, against $0.61 in the third quarter. Adjusted diluted EPS was $0.57, against $0.63.
  • Full-year earnings and adjusted EPS: Full-year 2025 earnings were $2.1 billion, with diluted EPS of $2.30 and adjusted diluted EPS of $2.33, up 9 percent year over year.
  • Net interest margin rose to 3.70%: Net interest margin was 3.70 percent, up 11 basis points, as lower cash balances contributed to the increase.
  • Capital markets income fell 23 percent: Capital markets income fell 23 percent to $80 million, reflecting lower syndication and underwriting, postponed advisory deals and the government shutdown.
  • Net charge-offs rose to 59 basis points: Net charge-offs were $142 million, a 4 basis point increase. Most business services charge-offs came from previously identified portfolios with established reserves.
Read the Q4 FY2025 earnings call summary

From this 10-K

Regions is a financial holding company run from Birmingham, Alabama, operating across the South, the Midwest and Texas. It is a Delaware corporation. Beyond that footprint it keeps offices delivering specialist capabilities in New York, Washington D.C., Chicago, Salt Lake City and elsewhere. It sells retail and mortgage banking, commercial banking, and wealth and investment services, and reports in three segments: Corporate Bank, Consumer Bank and Wealth Management, with the remainder in Other.

Regions Financial Corp., the 10-K for 2025

Regions is a financial holding company run from Birmingham, Alabama, operating across the South, the Midwest and Texas. It is a Delaware corporation. Beyond that footprint it keeps offices delivering specialist capabilities in New York, Washington D.C., Chicago, Salt Lake City and elsewhere. It sells retail and mortgage banking, commercial banking, and wealth and investment services, and reports in three segments: Corporate Bank, Consumer Bank and Wealth Management, with the remainder in Other.

The branch map, which is the business

Banking runs through Regions Bank, an Alabama state-chartered commercial bank and a member of the Federal Reserve System. At the end of 2025 it operated 1,786 cash machines and 1,247 branches. The state-by-state distribution says more about the bank than any summary would.

Florida is the largest at 270 branches, then Tennessee at 194 and Alabama at 184. Georgia has 117, Mississippi 97, Texas 85 and Louisiana 79. Below those: Arkansas 55, Missouri 48, Illinois 40, Indiana 40, South Carolina 18, Kentucky 9, North Carolina 6, Iowa 4 and Utah 1. Those sixteen states add to the 1,247 total.

The filing says the branches sit primarily across the South, Midwest and Texas.

The specialist businesses beside the bank

Regions and its subsidiaries sell a set of capabilities that a branch network does not imply: merger and acquisition advisory, capital markets, home improvement lending, investment advisory, equipment financing for commercial clients and small businesses, low income housing tax credit corporate fund syndication and asset management, financing for customers qualifying under the Community Reinvestment Act, investment and insurance products, and broker-dealer services for commercial clients.

Supervision

The company is subject to the regulatory and supervisory framework that applies to bank holding companies and their subsidiaries, a framework the filing describes as intended primarily for the protection of depositors, the FDIC insurance fund and the banking system as a whole, and not for the protection of shareholders or other investors.

From Regions Financial's annual report on Form 10-K for the year ended 31 December 2025. The filing

Written from the 10-K filed 24 February 2026: read the full 10-K.

The four quarters: Q1 FY2025 · Q2 FY2025 · Q3 FY2025 · Q4 FY2025

Income statement (profit and loss)

$ millionFY2025FY2024FY2023On the yearLast 8 years
Revenue7,5267,0837,576+6.3%
Operating income53.095.0212-44.2%
Operating margin0.7%1.3%2.8%
Interest expensen/an/a1,577
Pre-tax income2,7432,3542,607+16.5%
Income tax587461533+27.3%
Effective tax rate21.4%19.6%20.4%
Net income2,1561,8932,074+13.9%
Net margin28.6%26.7%27.4%
Diluted EPS$2.30$1.93$2.11+19.2%
$ million except per share.
Read moreFree 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.

Cash flow

$ millionFY2025FY2024FY2023On the yearLast 8 years
Operating cash flow2,1811,5982,308+36.5%
Cash from investing-1,418-262-1,607
Cash from financing-5682,575-5,127
Depreciation and amortisation84.0144236-41.7%
Share-based compensation69.073.061.0-5.5%
Buybacks1,067348252+206.6%
Dividends paid912890787+2.5%
Dividend per share$1.03$0.98$0.88+5.1%
Diluted shares, weighted896m918m938m-2.4%

Balance sheet

$ millionFY2025FY2024FY2023On the yearLast 8 years
Shareholders' equity19,04317,87917,429+6.5%
Non-controlling interest60.031.064.0+93.5%
Deposits131,128127,603127,788+2.8%
Repurchase agreements0.0n/an/a
Short-term borrowingsn/an/a0.0
Debt4,8846,4932,330-24.8%
Other liabilities3,6995,2964,583-30.2%
Total liabilities and equity158,814157,302152,194+1.0%
Fixed assets1,6591,6731,642-0.8%
Goodwill5,7335,7335,7330.0%
Intangible assets140169205-17.2%
Securities held for sale or to maturity33,16630,65128,858+8.2%
Loans94,08195,11496,803-1.1%
Cash and equivalents10,90710,7126,801+1.8%
Other assets13,12813,25012,152-0.9%
Total assets158,814157,302152,194+1.0%

10-K for the year ended 31 December 2025, filed 24 February 2026: the filing.