REGIONS FINANCIAL CORP (RF)
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.
Open REGIONS FINANCIAL CORP in the interactive graph- Ticker
- RF
- SEC CIK
- 0001281761
- Sector
- Financials
- Industry
- Banks
- Periods
- FY2025 Q1, FY2025 Q4, FY2026, FY2026 Q1, FY2026 Q3, FY2027
- Headquarters
- Birmingham, AL
- Employees
- 20,003
Key figures
- Revenue 1.87B USD
- NetIncome 559.00M USD
- DilutedEPS 0.62 USD/share
Reported figures
- AllowanceToLoansRatio 1.68 percent
- AllowanceToLoansRatio 1.76 percent
- AllowanceToLoansRatio 1.81 percent
- CapitalExpenditure 4.00M USD
- CommonEquityTier1Ratio 10.7 percent
- CommonEquityTier1Ratio 10.8 percent
- CommonEquityTier1Ratio 10.9 percent
- CommonEquityTier1Ratio 9.1 percent
- CommonEquityTier1Ratio 9.4 percent
- CommonEquityTier1Ratio 9.7 percent
- CommonEquityToAssetsRatio 11.59 percent
- CommonEquityToAssetsRatio 11.68 percent
- CommonEquityToAssetsRatio 11.99 percent
- DilutedEPS 0.57 USD/share
- DilutedEPS 0.58 USD/share
- DilutedEPS 0.62 USD/share
- FreeCashFlow 863.00M USD
- GrossProfit 1.78B USD
- InterestExpense 454.00M USD
- NetChargeOffs 0.52 percent
- NetChargeOffs 0.54 percent
- NetChargeOffs 0.59 percent
- NetChargeOffs 123.00M USD
- NetChargeOffs 130.00M USD
- NetChargeOffs 142.00M USD
- NetIncome 504.00M USD
- NetIncome 514.00M USD
- NetIncome 534.00M USD
- NetIncome 539.00M USD
- NetIncome 559.00M USD
- NetInterestIncome 1.19B USD
- NetInterestIncome 1.25B USD
- NetInterestIncome 1.28B USD
- NetInterestMargin 3.52 percent
- NetInterestMargin 3.67 percent
- NetInterestMargin 3.7 percent
- NonperformingAssetsRatio 0.71 percent
- NonperformingAssetsRatio 0.73 percent
- NonperformingAssetsRatio 0.88 percent
- OperatingExpenses 1.03B USD
- and 85 more in the interactive graph
Drivers
- 1Q26 average loans increased 1% while ending loans increased 2% vs 4Q25; growth driven pri
- 1Q26 reflects a record quarter of Treasury Management fees
- Adjusted net income grew 11% and diluted EPS 15% YoY
- Adjusted pre-tax pre-provision income increased 4 percent compared to first quarter of 202
- Adjusted total revenue increased 4 percent compared to first quarter of 2025
- Allowance increases tied to loan growth and greater macroeconomic uncertainty were more th
- Approximately half of this quarter's growth came from higher line utilization, with the re
- Bank-owned life insurance increased 30 percent primarily due to higher claims income
- Best-in-class hedging program creates a mostly neutral short-term interest rate position a
- Business services criticized loans and non-performing loans remained relatively stable wit
- Business services criticized loans as a percent of business loans decreased 16 bps to 5.15
- Capital markets increased 5 percent in the first quarter attributable to higher loan syndi
- Card and ATM fees decreased 5 percent due primarily to seasonally lower activity
- Ending consumer deposits increased over 1 percent reflecting typical seasonal patterns ass
- FDIC insurance assessments increased $16 million attributable to an adjustment for the com
- Growth was driven by broad-based C&I lending including power and utilities, manufacturing,
- Loan growth was also very high quality as almost two-thirds were investment grade credits
- Low-cost deposit base continued to deliver peer-leading interest-bearing deposit costs of
- NPLs to total loans decreased 2 bps to 0.71%
- Net charge-offs were $130 million or an annualized 54 basis points of average loans, repre
- Net income grew 16% and diluted EPS 22% YoY
- Net interest income decreased 3 percent driven primarily by fewer days in the quarter and
- Non-interest expenses decreased 3 percent on a reported basis and 4 percent on an adjusted
- Other miscellaneous income decreased during the quarter attributable primarily to commerci
- Pre-tax pre-provision income increased 8 percent compared to first quarter of 2025
- Significant progress in hiring and reskilling of bankers to support growth initiatives thr
- Strengthening asset quality across portfolios, combined with high-quality loan growth, dro
- Tangible common book value per share ended the quarter at $13.69, an 11 percent increase y
- The allowance for credit losses declined $39 million
- The ratio of business services criticized loans as a percentage of total business loans de
- Total net interest margin was negatively impacted by tighter asset spreads associated with
- Total revenue increased 5 percent year-over-year
Risks
- Greater macroeconomic uncertainty
Corporate events
- The company declared $227 million in dividends to common shareholders during the first qua
- The company repurchased approximately 14 million shares of common stock for a total of $40
Quotes
- “Our results reflect the strength of our franchise, the continued momentum of our…”