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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Regions Financial Corporation is a U.S. bank holding company providing retail and commercial banking, mortgage, wealth management and capital markets services through a branch network concentrated in the South and Midwest. Long-term growth drivers include rising net interest income from loan and deposit growth, fee-based and wealth-management revenue, and digital adoption that could improve efficiency and customer retention; this scale and diversified mix may appeal to investors.
Material risks include sensitivity to interest-rate and credit cycles, concentration in commercial real estate and regional economies, regulatory and compliance demands, and competitive pressure.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 2743.00M | 2354.00M | 2607.00M | 2876.00M | 3215.00M |
| Net income | 2156.00M | 1893.00M | 2074.00M | 2245.00M | 2521.00M |
| Selling general administrative | 2829.00M | 2529.00M | 2416.00M | 2382.00M | 2250.00M |
| Selling and marketing expenses | 112.00M | 110.00M | 110.00M | 102.00M | 106.00M |
| Gross profit | 7171.00M | 6596.00M | 7023.00M | 7165.00M | 6438.00M |
| Reconciled depreciation | 84.00M | 144.00M | 252.00M | 353.00M | 371.00M |
| Ebit | 2743.00M | 2354.00M | 2607.00M | 3192.00M | 3215.00M |
| Ebitda | 2805.00M | 2498.00M | 2843.00M | 3545.00M | 3586.00M |
| Depreciation and amortization | 62.00M | 144.00M | 236.00M | 353.00M | 371.00M |
| Operating income | 2743.00M | 2354.00M | 2607.00M | 3192.00M | 3215.00M |
| Other operating expenses | 6865.00M | 7019.00M | 6546.00M | 3973.00M | 3223.00M |
| Interest expense | 2082.00M | 2290.00M | 1577.00M | 316.00M | 167.00M |
| Tax provision | 587.00M | 461.00M | 640.00M | 631.00M | 694.00M |
| Interest income | 7073.00M | 7108.00M | 6698.00M | 5102.00M | 4081.00M |
| Net interest income | 4991.00M | 4818.00M | 5490.00M | 4786.00M | 3914.00M |
| Income tax expense | 587.00M | 461.00M | 533.00M | 631.00M | 694.00M |
| Total revenue | 9608.00M | 9373.00M | 9153.00M | 7165.00M | 6438.00M |
| Total operating expenses | 4428.00M | 4242.00M | 4416.00M | -3973.00M | -3223.00M |
| Cost of revenue | 2437.00M | 2777.00M | 2130.00M | - | - |
| Total other income expense net | - | -98.00M | -1218.00M | -316.00M | -167.00M |
| Net income from continuing ops | 2156.00M | 1893.00M | 2368.00M | 2245.00M | 2521.00M |
| Net income applicable to common shares | 2061.00M | 1774.00M | 1976.00M | 2146.00M | 2400.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 159553.00M | 157302.00M | 152194.00M | 155220.00M | 162938.00M |
| Intangible assets | 140.00M | 1176.00M | 1111.00M | 1061.00M | 723.00M |
| Earning assets | - | - | - | - | 58444.00M |
| Other current assets | 511.00M | - | 7430.00M | -38022.00M | 67066.00M |
| Total liab | 140450.00M | 139392.00M | 134701.00M | 139269.00M | 2407.00M |
| Total stockholder equity | 19043.00M | 17879.00M | 17429.00M | 15947.00M | 18326.00M |
| Other current liab | 131128.00M | 127603.00M | 127788.00M | 131743.00M | 139072.00M |
| Common stock | 9.00M | 9.00M | 10.00M | 10.00M | 10.00M |
| Capital stock | 1378.00M | 1724.00M | 1669.00M | 1669.00M | 1669.00M |
| Retained earnings | 10205.00M | 9060.00M | 8186.00M | 7004.00M | 5550.00M |
| Other liab | - | - | - | 1331.00M | 3133.00M |
| Good will | 5733.00M | 5733.00M | 5733.00M | 5733.00M | 5744.00M |
| Other assets | 12785.00M | 19196.00M | 4795.00M | 153543.00M | 65879.00M |
| Cash | 10907.00M | 10712.00M | 6801.00M | 11227.00M | 29411.00M |
| Total current liabilities | 131878.00M | 128103.00M | 127788.00M | 134027.00M | -1889.00M |
| Net debt | -6023.00M | -4219.00M | -4471.00M | -8943.00M | -27004.00M |
| Short term debt | 750.00M | 500.00M | 92.00M | 2284.00M | -1889.00M |
| Short long term debt | 750.00M | 500.00M | 0.00M | - | - |
| Short long term debt total | 4884.00M | 6493.00M | 2330.00M | 2284.00M | 2407.00M |
| Other stockholder equity | 8995.00M | 10023.00M | 10386.00M | 10617.00M | 10818.00M |
| Property plant equipment | 1659.00M | 2126.00M | 2104.00M | 1718.00M | 1814.00M |
| Total current assets | 39549.00M | 34727.00M | 35519.00M | 1649.00M | 58211.00M |
| Long term investments | 34869.00M | 32267.00M | 30275.00M | 30042.00M | 29380.00M |
| Net tangible assets | - | - | - | 8306.00M | 10618.00M |
| Short term investments | 27560.00M | 23443.00M | 28104.00M | 27933.00M | 28481.00M |
| Net receivables | 571.00M | 572.00M | 614.00M | 511.00M | 319.00M |
| Long term debt | 4134.00M | 5993.00M | 2330.00M | 2284.00M | 2407.00M |
| Inventory | - | - | -2503.00M | 13.00M | 10.00M |
| Accounts payable | - | - | - | 131743.00M | 139072.00M |
| Noncontrolling interest in consolidated entity | - | - | - | 4.00M | - |
| Accumulated other comprehensive income | -1535.00M | -2928.00M | -2812.00M | -3343.00M | 289.00M |
| Common stock total equity | - | - | - | 10.00M | 10.00M |
| Preferred stock total equity | - | - | - | 1659.00M | 1659.00M |
| Retained earnings total equity | - | - | - | 7004.00M | 5550.00M |
| Treasury stock | - | - | - | -1371.00M | -1371.00M |
| Non currrent assets other | 94081.00M | 9461.00M | 8815.00M | -38526.00M | -38848.00M |
| Non current assets total | 107219.00M | 122575.00M | 116675.00M | 28.00M | 38848.00M |
| Long term debt total | 4134.00M | 3993.00M | 2330.00M | 2284.00M | 2407.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -1956.00M | -262.00M | -3320.00M | -12559.00M | -1518.00M |
| Change to liabilities | - | - | - | 2092.00M | -76.00M |
| Total cashflows from investing activities | -1418.00M | -262.00M | -1607.00M | -12941.00M | -2865.00M |
| Net borrowings | -1650.00M | 4140.00M | 0.00M | - | -1234.00M |
| Total cash from financing activities | -568.00M | 2575.00M | -5127.00M | -8345.00M | 11290.00M |
| Change to operating activities | - | - | - | 1968.00M | -63.00M |
| Net income | 2156.00M | 1893.00M | 2074.00M | 2245.00M | 2521.00M |
| Change in cash | 195.00M | 3911.00M | -4426.00M | -18184.00M | 11455.00M |
| Begin period cash flow | 10712.00M | 6801.00M | 11227.00M | 29411.00M | 17956.00M |
| End period cash flow | 10907.00M | 10712.00M | 6801.00M | 11227.00M | 29411.00M |
| Total cash from operating activities | 2181.00M | 1598.00M | 2308.00M | 3102.00M | 3030.00M |
| Issuance of capital stock | 0.00M | 489.00M | 0.00M | 0.00M | 390.00M |
| Depreciation | 84.00M | 144.00M | 236.00M | 353.00M | 371.00M |
| Other cashflows from investing activities | 718.00M | 1165.00M | -1887.00M | -382.00M | -1347.00M |
| Dividends paid | 1003.00M | 994.00M | 885.00M | 762.00M | 716.00M |
| Change to account receivables | 251.00M | -831.00M | 194.00M | -2242.00M | -231.00M |
| Sale purchase of stock | -1417.00M | -848.00M | -252.00M | -230.00M | -967.00M |
| Other cashflows from financing activities | 3502.00M | -212.00M | -3990.00M | -7743.00M | -19.00M |
| Change to netincome | - | - | - | 855.00M | 366.00M |
| Capital expenditures | 30.00M | 146.00M | 157.00M | 288.00M | 72.00M |
| Cash flows other operating | - | - | - | -2443.00M | -152.00M |
| Cash and cash equivalents changes | - | - | - | -18184.00M | 11455.00M |
| Change in working capital | -732.00M | -1027.00M | -574.00M | -274.00M | -294.00M |
| Stock based compensation | 27.00M | - | 61.00M | - | -780.00M |
| Other non cash items | 595.00M | 567.00M | 540.00M | 756.00M | 1047.00M |
| Free cash flow | 2151.00M | 1452.00M | 2151.00M | 2814.00M | 2958.00M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| RF Regions Financial Corporation |
-0.14 0.51% |
28.50 | 12.21 | 10.35 | 3.49 | 1.46 | 4.51 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.76 0.34% |
219.92 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.62 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.28 0.82% |
34.49 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.46 0.49% |
92.86 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
1900 Fifth Avenue North, Birmingham, AL, United States, 35203
800 734 4667
20003
| Name | Title | Year Born |
|---|---|---|
| Mr. John M. Turner Jr. | Pres, CEO & Director | 1962 |
| Mr. David Jackson Turner Jr. | Sr. EVP & CFO | 1964 |
| Mr. David R. Keenan | Sr. EVP, Chief Admin. & HR Officer | 1968 |
| Mr. Ronald G. Smith | Sr. EVP & Head of Corp. Banking Group | 1961 |
| Mr. C. Matthew Lusco CPA | Sr. EVP & Chief Risk Officer | 1958 |
| Karin Allen | Assistant Controller & Chief Accounting Officer | NA |
| Mr. C. Dandridge Massey | Sr. EVP, Chief Enterprise Operations & Technology Officer | NA |
| Mr. Tobin N. Vinson | Associate Director of Investor Relations | NA |
| Ms. Dana Nolan | EVP & Head of Investor Relations | NA |
| Ms. Tara Ann Plimpton | Sr. Exec. VP, Chief Legal Officer & Corp. Sec. | 1969 |
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