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Regions FinancialRF

Legal name
Regions Financial Corporation
Sector
Financial Services
Industry
National Commercial Banks
Exchange
NYSE

Stock Price $RF

Latest filings

You are here#65 of 80 in Financials by market cap

Filing record · 2016–202610-K1210-Q328-K207

RF filed 12 annual reports (10-K), 32 quarterly reports (10-Q) and 207 current reports (8-K) between 2016 and 2026.

  1. Leadership change8-K · Mar ’20Mar ’20
  2. Leadership change8-K · Jun ’22Jun ’22
  3. FY2024 annual report10-K · Feb ’25Feb ’25

01—Key figures

Share Class

Last reported FY2021

Source: 10-KFY2025
Source: 10-KFY2025
Source: 10-KFY2025

Revenue Trend

Year-over-year comparison from 10-K annual reports

  6. $104.0M
YoY changeLargest recent move+18.3%in FY18Latest +23.8%

Latest bar from 10-KFY2021Click a bar to open its SEC filing

View full history →
All RF Financial Metrics43 metrics

Income Statement10

Balance Sheet16

Cash Flow12

Per Share5

02—Overview

Regions Financial Financial Overview 2021–2025

Updated Nov 4, 2026

Regions earned $2.30a per diluted share in FY2025, still below the $2.49 it posted in FY2021. Yet the stock closed at $27.10 on December 30, 2025, just 11.8x earnings. The thesis: this bank has largely repaired its margin and credit profile, and it is now returning capital faster than it is growing its loan book.

The path was uneven. Net interest income climbed from $3.9 billion in FY2021 to $4.99 billionb in FY2025. Along the way, net interest margin peaked at 3.90% in FY2023, then compressed to 3.54% in FY2024, when EPS bottomed at $1.93. FY2025 reversed that slide. Margin recovered to 3.61%, net income reached $2.16 billion, and non-interest income rose to $2.54 billion. Non-interest expense edged up only modestly to $4.31 billion.

Credit and capital support the rebound. Non-performing loans fell to $698 millionc from $928 million, though net charge-offs rose to 0.53% of average loans from 0.47%. The CET1 ratio stood at 10.89%. Regions repurchased $1.07 billion of common stock, declared $916 million in dividends, and authorized a new $3.0 billion buyback running through 2027. The soft spot is lending: loans slipped $1.1 billion to $95.6 billion. Growth, not capital, is the open question.

Recent Developments (Q1 and Q2 2026)

Loans did the heavy lifting in the first half. Net loans reached $99.2 billiond at Q2 2026, up from $97.9 billion in Q1 2026, led by commercial and industrial growth of $3.1 billion year to date. Diluted EPS rose to $0.64 in Q2 2026 from $0.62 in Q1 2026, and net charge-offs fell to 0.42% from 0.54%. Net interest margin held at 3.66%. Regions sold about $900 million of securities, taking a $41 million loss. The board raised the quarterly dividend to $0.30, and Q3 2026 brought EPS of $0.71. Leadership changes take effect September 1, 2026, when Kate Danella becomes Chief Administrative Officer.

Bull case: loan growth, falling charge-offs and a higher dividend support earnings. Bear case: non-interest expense rose to $1.121 billion in Q2 2026, and deposits slipped to $130.7 billione. At 13.0x earnings as of the August 5, 2026 filing date, the stock is no longer cheap. That multiple is not today's.

What to watch: deposit trends as large commercial clients shift balances off-balance sheet; whether Q4 2026 net interest income rises the guided 1% to 2%

03—Filings

Recent SEC Filings

  1. 8-KRegions Financial 8-K Report, Financial Results (Oct 16, 2026)Regions Financial Corporation reported preliminary third-quarter 2026 results, furnished under Items 2.02 and 7.01 of this Form 8-K. The company reported net income of $631 million and net income available to common shareholders of $611 million, or diluted EPS of $0.71, versus $570 million and $0.64 in the second quarter. On an adjusted basis, earnings were $622 million and diluted EPS was $0.73. Reported ROATCE was 21.27% and adjusted ROATCE was 21.66%, with a net interest margin of 3.68% and an efficiency ratio of 56.2%. Revenue growth and credit quality were the main drivers. Total revenue rose 3.5% QoQ to $1.97 billion, led by record capital markets income of $107 million and net interest income up 1.6% QoQ. Annualized net charge-offs fell to 0.29% from 0.42%, and the allowance for credit losses covered non-performing loans at 275%. Average loans grew 0.5% QoQ, while average deposits declined 1.2% QoQ, which management attributed primarily to a limited number of large commercial clients moving balances off balance sheet. The estimated CET1 ratio was 10.8%. The filing's supplemental materials include management's outlook for the fourth quarter and full year 2026. For 4Q26, the company expects net interest income to rise 1% to 2% versus 3Q26 and a net interest margin of about 3.70%. For FY26, it expects net interest income to grow 2.5% to 4% versus 2025, adjusted non-interest expense to rise 1.5% to 3.5%, and net charge-offs of 40 to 50 basis points of average loans.
  2. 8-KRegions Financial 8-K Report, Executive Changes (Aug 11, 2026)Regions Financial Corporation (NYSE: RF) announced on August 11, 2026 that David R. Keenan, its Chief Administrative Officer, intends to retire on January 4, 2027. Effective September 1, 2026, Keenan steps down as Chief Administrative Officer and becomes Senior Executive Vice President in a senior advisor role through his retirement date. The filing describes this as a planned succession rather than a departure caused by a dispute or other event. Kate Danella, previously head of Consumer Banking, is appointed Senior Executive Vice President and Chief Administrative Officer effective September 1, 2026. John T. Jordan is appointed Senior Executive Vice President and Head of Consumer Banking Group, effective the same date. Chief People Officer Angela Santone will begin reporting directly to Chairman, President, and CEO John Turner. The press release states that Danella, Jordan, and Santone are moving into their new roles immediately, and that Keenan will work with them through year-end to ensure a smooth transition. The company describes Keenan's tenure as more than two decades at Regions and its predecessor AmSouth, including service as Chief Administrative Officer since 2020. The filing presents the changes as part of the company's leadership development strategy. The 8-K itself reports no financial results, and the press release is furnished under Item 7.01 rather than filed.
  3. 8-KRegions Financial 8-K Report, Regulation FD Disclosure (Aug 7, 2026)Regions Financial Corporation filed this Form 8-K on August 7, 2026 under Item 7.01 (Regulation FD Disclosure) to furnish investor presentation materials (Exhibit 99.1) that executives will use at institutional investor meetings and events during August and September 2026. The information is furnished, not filed, for purposes of Section 18 of the Exchange Act. The presentation materials report second-quarter 2026 results: reported net income available to common shareholders of $549 million and diluted EPS of $0.64, or $583 million and $0.68 on an adjusted basis. Reported total revenue was $1,907 million, non-interest expense was $1,121 million, and the efficiency ratio was 58.3%. Net interest income was $1,277 million with a net interest margin of 3.66%. The company updated its 2026 outlook, expecting full-year net interest income to grow between 2.5% and 4%, adjusted non-interest income to grow 3% to 5% (toward the lower end), and adjusted non-interest expense to rise 1.5% to 3.5%. It also expects net charge-offs of 40 to 50 basis points of average loans. Credit and capital metrics were stable. Net charge-offs were 0.42% of average loans, nonperforming loans were 0.67% of loans, and the allowance for credit losses was 1.63% of loans. The CET1 ratio inclusive of AOCI was 9.5%, within a stated operating range of 9.25% to 9.75%. The company also noted the July 1, 2026 acquisition of The Frazer Lanier Company.
  4. 8-KRegions Financial 8-K Report, Financial Results (Jul 17, 2026)Regions Financial Corporation reported second quarter 2026 net income of $570 million and net income available to common shareholders of $549 million, or diluted EPS of $0.64, compared with $559 million of net income and $0.62 diluted EPS in the first quarter of 2026. On an adjusted basis, net income available to common shareholders was $583 million and adjusted diluted EPS was $0.68. The adjusted figures exclude a $40 million securities repositioning loss and a $5 million branch consolidation charge, among other items. Net interest margin was 3.66%, net charge-offs fell to 0.42% of average loans from 0.54% in the prior quarter, and CET1 was an estimated 10.7% (9.5% including AOCI). Average loans grew 2.4% quarter over quarter, led by commercial and industrial lending, and the company reported a record quarter for wealth management income of $150 million. Management reiterated its full-year 2026 outlook: net interest income up 2.5% to 4%, adjusted non-interest income up 3% to 5% (expected toward the lower end), adjusted non-interest expense up 1.5% to 3.5%, net charge-offs of 40 to 50 basis points, and an effective tax rate of 20.5% to 21.5%. For the third quarter, the company expects net interest income to rise about 2% from the second quarter and net interest margin to be stable to modestly higher. The Board declared a quarterly common dividend of $0.30 per share, a 13% increase over the prior quarter. The filing also notes the July 1, 2026 acquisition of The Frazer Lanier Company, which expands municipal finance and capital markets capabilities.
  5. 8-KRegions Financial 8-K Report, Regulation FD Disclosure (May 11, 2026)Regions Financial Corporation filed this Form 8-K under Item 7.01 (Regulation FD Disclosure) to furnish, as Exhibit 99.1, presentation materials that executives will use with institutional investors at various meetings and events during May and June 2026. The filing itself does not contain financial results; the substantive content is in the investor presentation, which reports first-quarter 2026 results and outlook. The information is furnished rather than filed for purposes of Section 18 of the Exchange Act. The presentation reports 1Q26 net income available to common shareholders of $539 million, diluted EPS of $0.62, total revenue of $1,873 million, and an efficiency ratio of 56.6%. Management guides full-year 2026 net interest income up 2.5% to 4% versus 2025, adjusted non-interest income up 3% to 5%, and adjusted non-interest expense up 1.5% to 3.5%. For 2Q26, it expects net interest income to rise approximately 2% versus 1Q26 and net interest margin in the mid-to-high 3.60% range. The presentation also highlights credit and capital positions. Net charge-offs were 0.54% of average loans in 1Q26, with full-year 2026 expected at 40 to 50 basis points. Common equity Tier 1 ratio inclusive of AOCI was 9.4%, and management expects to manage it near the midpoint of a 9.25% to 9.75% operating range. Common book value per share was $20.39 and tangible common book value per share was $13.69.
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04—See also

Related Companies

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