Revenue segments as reported by the company.

Interest income

Non-interest income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Interest expense

Provision for (benefit from) credit losses

Non-interest expense

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Regions Financial

Regions Financial Corp. operates as a bank holding company. It provides traditional commercial, retail and mortgage banking services, as well as other financial services in the fields of investment banking, asset management, trust, mutual funds, securities brokerage, insurance and other financing. The firm operates through the following segments: Corporate Bank, Consumer Bank, Wealth Management, and Other. The Corporate Bank segment represents the commercial banking functions including commercial and industrial, commercial real estate and investor real estate lending. The Consumer Bank segment holds the branch network, including consumer banking products and services related to residential first mortgages, home equity lines and loans, small business loans, indirect loans, consumer credit cards and other consumer loans. The Wealth Management segment offers individuals, businesses, governmental institutions and non-profit entities a range of solutions to help protect, grow and transfer wealth. The Other segment includes the company's treasury function, the securities portfolio, wholesale funding activities, interest rate risk management activities and other corporate functions that are not related to a strategic business unit. The company was founded in 1971 and is headquartered in Birmingham, AL.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Regions Financial reports robust earnings and growth opportunities in 2023

Regions Financial's Q4 2022 performance reflects strong earnings, loan growth, and a focus on enhancing revenue streams while managing expenses effectively.
Despite facing challenges such as declining noninterest income and potential deposit runoff, the company remains well-positioned with a robust capital base and growth opportunities.
Strategic investments, customer deposit growth, and a competitive focus on credit risk management highlight Regions Financial's resilience and potential for future growth.

Regions Financial reports solid Q1 earnings, eyes growth opportunities

Regions Financial's Q1 performance reflects growth in loans and net interest income, with stable asset quality and a focus on managing expenses.
The bank's strengths lie in customer-centric strategies, strong deposit franchise, and a focus on fundamental banking principles.
Challenges include increased noninterest expenses, lower loan pipelines, and expected declines in deposit service charges.
Opportunities for the bank include improved business outlook, loan growth, and adjustments to revenue guidance for future growth.

Regions Financial posts solid Q2 earnings amidst growth opportunities

Regions Financial's Q2 performance reflects a balanced mix of strengths and challenges, with a focus on capital strength and revenue diversification.
The bank's customer-centric initiatives and strategic acquisitions position it well for growth opportunities in a dynamic economic environment.
While managing expenses and navigating interest rate uncertainties, Regions Financial aims to leverage its strong capital position for sustainable growth and profitability.
Strategic focus on organic growth, talent acquisition, and technology optimization underscore the bank's commitment to long-term success and resilience.

Regions Financial reports resilient earnings amidst fraud challenges and growth opportunities

Regions Financial navigated Q3 2023 with solid earnings despite elevated fraud losses, focusing on capital strength and growth opportunities.
Challenges include increased net charge-offs and concerns over risk management practices, countered by opportunities for improved performance and revenue growth.
Management's confidence in the company's resilience and ability to adapt to market changes underpins their strategic outlook and commitment to shareholder value.
Analysts' inquiries into financial outlook and risk management highlight the company's proactive approach to addressing concerns and optimizing performance.

Regions Financial reports solid 2023 earnings, eyes growth opportunities

Regions Financial's strong financial performance in 2023, supported by robust risk management and strategic investments, positions the company well for growth and stability in 2024.
While facing challenges such as soft loan demand and regulatory uncertainties, the company's focus on cost control, technology investments, and risk mitigation strategies presents opportunities for future success.
With a clear focus on maintaining capital strength, managing expenses, and adapting to market dynamics, Regions Financial aims to navigate economic uncertainties and drive positive operating leverage in the coming years.

Regions Financial reports solid Q1 earnings amidst industry-specific challenges

Regions Financial's Q1 performance showed resilience with stable asset quality and improved noninterest income. Challenges include loan decrease and industry-specific stresses. Opportunities lie in achieving NIM targets and managing funding costs for sustained margins.

Regions Financial posts robust Q2 earnings, eyes efficiency and growth

Regions Financial delivered strong Q2 results with a focus on cost management, asset quality, and profitability improvement.
Strategic initiatives to enhance efficiency, manage expenses, and optimize margins position the company for sustainable growth.
Challenges include credit risk management, interest rate environment, and achieving targeted financial ratios amidst market uncertainties.
Opportunities lie in leveraging positive operating leverage, growing noninterest income, and optimizing funding costs for enhanced profitability.

Regions Financial posts strong Q3 earnings amidst economic uncertainty

Regions Financial's Q3 performance reflects solid earnings growth, though challenges like cautious corporate spending and rising credit risk persist.
The company's strengths lie in customer-centric strategies, community support, and a strong capital position, while opportunities exist in enhancing customer relationships and pursuing growth initiatives.
To maintain positive momentum, Regions Financial must address challenges like economic uncertainty and evolving deposit costs while leveraging opportunities for customer engagement and strategic investments.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

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2022 represented a challenging year for the regional banks where their price performance didn't offer a respite vs. the bear market hitting the major indices. The current wall of worry hanging over the banks will be resolved in 2023.

Bank The Dividend Yield And Look For Incremental Upside In Regional Banks In 2023

Despite a challenging operating backdrop in 2022, the S&P 500 banks - Regions (RF), M&T Bank (MTB) and Huntington (HBAN) - remain on investors' radar on strong fundamentals and prospects.

3 Best Performing S&P 500 Bank Stocks of 2022

BIRMINGHAM, Ala.--( BUSINESS WIRE )--Regions Financial Corp. (NYSE:RF) is scheduled to release its fourth quarter and full-year 2022 financial results on Friday, Jan. 20, 2023.

Regions Financial to Announce Fourth Quarter and Full-Year 2022 Financial Results on Jan. 20, 2023

This regional bank outperformed all other banks in the S&P 500 this year.

Should You Buy 2022's Top-Performing Bank Stock?

BOSTON--( BUSINESS WIRE )--Lendbuzz, the AI-based fintech company that is revolutionizing the auto finance market, announced today that it closed a $135 million credit facility with Regions Bank.

Lendbuzz Secures $135 Million Credit Facility from Regions Bank to Expand Dealership Floor Planning and Consumer Loan Originations

BIRMINGHAM, Ala.--( BUSINESS WIRE )--Regions Bank on Wednesday announced the creation of a Franchise Lending team led by industry veteran Peter Salas. A key part of Regions' services designed to support small-business growth, Salas and his team are focused on helping drive business sustainability and expansion through their specialization in franchise concepts.

Regions Bank Announces Creation of Franchise Lending Team

BIRMINGHAM, Ala.--( BUSINESS WIRE )--Regions Bank on Monday announced the launch of a virtual commercial card solution to facilitate quick, easy and on-the-go business travel payments for the bank's Treasury Management clients.

Simpler Payments. On the Go.

BIRMINGHAM, Ala.--( BUSINESS WIRE )--Regions Bank on Tuesday announced the results of a new medical financial hardship survey that finds people are not financially prepared to cover medical expenses or pay off medical debt, despite perhaps thinking they are prepared.

Regions Next Step Survey Finds Many Americans Aren't Prepared for Medical Expenses

BIRMINGHAM, Ala.--( BUSINESS WIRE )--Regions Bank on Monday announced the launch of its Multi-Assets Solutions Group, the result of combining the bank's Investment Research Group with the research team from Regions subsidiary Highland Associates.

Regions Bank Launches Multi-Assets Solutions Group, Combining Investment Research Strengths of Regions and Highland Associates

BIRMINGHAM, Ala.--( BUSINESS WIRE )--Regions Bank associates can now earn a degree, tuition-free, through Guild. The education benefits are available to all full-time and part-time associates on their first day of employment, enabling associates to further their education while building their career.

Regions Bank Introduces Tuition-Free Education Benefits to All Associates through Guild

BIRMINGHAM, Ala.--( BUSINESS WIRE )--Regions Bank is proud to announce it has been designated as a 2023 Military Friendly Employer and 2023 Military Spouse Friendly Employer by Military Friendly®, an organization that measures the commitment of companies to create professional opportunities that leverage military experience.

Regions Bank Named Military Friendly Employer and Military Spouse Friendly Employer

Expanding Financial Inclusion: Regions Bank Announces ATM Agreement with Community Development Financial Institutions

Regions Financial Scheduled to Participate in Goldman Sachs U.S. Financial Services Conference

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Regions Financial Corp. (NYSE:RF ) Q3 2022 Earnings Conference Call October 21, 2022 10:00 AM ET Company Participants Dana Nolan - Head, IR John Turner - CEO David Turner - CFO Conference Call Participants Ebrahim Poonawala - Bank of America John Pancari - Evercore ISI Kenneth Usdin - Jefferies Erika Najarian - UBS Gerard Cassidy - RBC Capital Markets Bill Carcache - Wolfe Research Stephen Scouten - Piper Sandler Matthew O'Connor - Deutsche Bank Michael Rose - Raymond James Operator Good morning, and welcome to the Regions Financial Corporation's Quarterly Earnings Call. My name is Christine, and I will be your operator for today's call.

Regions Financial Corporation (RF) Q3 2022 Earnings Call Transcript

Regions Financial's (RF) Q3 earnings witness a negative surprise despite improvements in NII and average loan balances. A rise in expenses and higher provision for credit losses act as spoilsports.

Regions Financial (RF) Q3 Earnings Lag, Revenues Top Estimates

Regions Financial (RF) delivered earnings and revenue surprises of -5.08% and 3.23%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

Regions Financial (RF) Misses Q3 Earnings Estimates

Strong Revenue. Disciplined Expense Management.

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A decent lending scenario is expected to have driven Regions Financial's (RF) Q3 NII. Lower fee income on falling mortgage income and service charges on deposit are likely to have been growth hurdles.

Soft Fee Income to Impede Regions Financial's (RF) Q3 Earnings

Regions Financial (RF) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Earnings Preview: Regions Financial (RF) Q3 Earnings Expected to Decline

Regions Bank, Sabal Capital Partners Welcome Jason Scott as Managing Director and Head of Conventional Loan Production

BIRMINGHAM, Ala.--(BUSINESS WIRE)--Regions Bank announced a digital solution enabling Corporate Banking clients to send real-time payments via the RTP® network from The Clearing House.

Sending Payments in Real Time: Regions Bank Launches Digital Solution for Business Clients

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BIRMINGHAM, Ala.--(BUSINESS WIRE)--Kate Danella, head of Regions Bank's Consumer Banking Group, has been honored as one of American Banker's 25 Most Powerful Women in Banking.

American Banker Magazine Honors Kate Danella of Regions Bank

News for Regions Financial Stock (RF)