REGIONS FINANCIAL CORP

Listed Company

RF-PFCIK 0001281761NYSELarge AcceleratedNational Commercial BanksDelawareFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$2.16B

Total Assets

$158.81B

Equity

$19.04B

Shares Out

863.51M

Op. Cash Flow

$2.18B

+ 13F Filer

Business

Regions Financial Corporation provides a range of banking and financial services as a financial holding company and parent of Regions Bank and related subsidiaries. It offers retail and mortgage banking, commercial banking, wealth and investment management, capital markets and merger and acquisition advisory, home improvement lending, equipment financing, broker-dealer and investment advisory services, and insurance and asset management products. Operations are organized into three reportable segments: Corporate Bank, Consumer Bank, and Wealth Management, with other activities reported separately. Regions serves customers primarily across the South, Midwest and Texas, with specialty offices and distribution through branch networks, ATMs and nationwide specialty offices and digital channels.

Summary from filing dated 2025-02-21

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	5,463	5,732	5,733	4,088	3,452
Debt securities	1,145	925	749	688	533
Loans held for sale	35	39	40	36	37
Other earning assets	430	412	375	290	59
Total interest income	7,073	7,108	6,897	5,102	4,081
Deposits	1,766	1,971	1,255	197	64
Short-term borrowings	17	40	96	0	0
Long-term borrowings	299	279	226	119	103
Total interest expense	2,082	2,290	1,577	316	—
Net interest income	4,991	4,818	5,320	4,786	3,914
Provision for credit losses	470	487	553	271	−524
Net interest income after provision for credit losses	4,521	4,331	4,767	4,515	4,438
Total Noninterest Income	2,535	2,265	2,256	2,429	2,524
Salaries and employee benefits	2,616	2,529	2,416	2,318	2,205
Equipment and software expense	421	406	412	392	365
Net occupancy expense	288	278	289	300	303
Other	988	1,029	1,299	1,058	874
Total non-interest expense	4,313	4,242	4,416	4,068	3,747
Income before income taxes	2,743	2,354	2,607	2,876	3,215
Income tax expense	587	461	533	631	694
Net income	2,156	1,893	2,074	2,245	2,521
Net income available to common shareholders	2,061	1,774	1,976	2,146	2,400
Basic (shares)	892	916	936	935	956
Diluted (shares)	896	918	938	942	963
Basic (per share)	2.31	1.94	2.11	2.29	2.51
Diluted (per share)	2.3	1.93	2.11	2.28	2.49

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	3,112	2,893	2,635	1,997	1,350
Interest-bearing deposits in other banks	7,795	7,819	4,166	9,230	28,061
Debt Securities held to maturity	5,606	4,427	754	801	899
Debt securities available for sale	27,560	26,224	28,104	27,933	28,481
Loans held for sale	511	594	400	354	1,003
Loans, net of unearned income	95,637	96,727	98,379	—	—
Allowance for loan losses	−1,556	−1,613	−1,576	−1,464	−1,479
Net loan losses	94,081	95,114	96,803	—	—
Other earning assets	1,703	1,616	1,417	1,308	1,187
Premises, equipment and software, net	1,659	1,673	1,642	1,718	1,814
Interest receivable	571	572	614	511	319
Goodwill	5,733	5,733	5,733	5,733	5,744
Servicing Asset at Fair Value, Amount	970	1,007	906	812	418
Other identifiable intangible assets, net	140	169	205	249	305
Other assets	9,373	9,461	8,815	9,029	7,052
Total assets	158,814	157,302	152,194	155,220	162,938
Noninterest-bearing Deposit Liabilities	39,530	39,138	42,368	51,348	58,369
Interest-bearing	91,598	88,465	85,420	80,395	80,703
Total deposits	131,128	127,603	127,788	131,743	139,072
Short-term borrowings	750	500	0	—	—
Long-term borrowings	4,134	5,993	2,330	2,284	2,407
Total borrowed funds	4,884	6,493	2,330	2,284	2,407
Other liabilities	3,699	5,296	4,583	5,242	3,133
Total liabilities	139,711	139,392	134,701	139,269	144,612
Preferred stock	1,369	1,715	1,659	1,659	1,659
Common stock	9	9	10	10	10
Additional paid-in capital	10,366	11,394	11,757	11,988	12,189
Retained earnings	10,205	9,060	8,186	7,004	5,550
Treasury stock, at cost	−1,371	−1,371	−1,371	−1,371	−1,371
Accumulated other comprehensive income (loss), net	−1,535	−2,928	−2,812	−3,343	289
Total shareholders equity	19,043	17,879	17,429	15,947	18,326
Noncontrolling interest	60	31	64	4	0
Total equity	19,103	17,910	17,493	15,951	18,326
Total liabilities and equity	158,814	157,302	152,194	155,220	162,938

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation, amortization and accretion, net	84	144	236	353	371
Securities (gains) losses, net	53	208	5	1	−3
Deferred income tax expense	78	21	32	22	165
Originations and purchases of loans held for sale	−5,453	−6,487	−4,496	−4,630	−6,747
Proceeds from sales of loans held for sale	5,566	6,297	4,440	5,221	7,728
(Gain) loss on sale of loans, net	−84	−49	−45	−30	−273
Early extinguishment of debt	0	0	−4	0	20
Other earning assets	−87	−199	−109	−124	13
Interest receivable and other assets	251	−831	194	−2,242	−231
Other liabilities	−896	3	−659	2,092	−76
Other	43	111	87	−77	66
Net cash from operating activities	2,181	1,598	2,308	3,102	3,030
Proceeds from maturities of debt securities held to maturity	684	105	47	98	222
Proceeds from sales of debt securities available for sale	1,333	5,001	70	1,309	83
Proceeds from maturities of debt securities available for sale	3,289	3,225	2,930	4,433	5,848
Purchases of debt securities available for sale	−7,262	−9,612	−2,610	−8,991	8,360
Net (payments for) proceeds from bank-owned life insurance	5	16	−5	−4	−2
Proceeds from sales of loans	755	160	485	1,793	522
Purchases of loans	−370	−648	−426	−876	−1,314
Net change in loans	333	1,811	−1,755	−10,325	1,481
Purchases of mortgage servicing rights	−30	−146	−157	−288	−72
Net purchases of other assets	−155	−174	−186	−90	−91
Net cash from investing activities	−1,418	−262	−1,607	−12,941	−2,865
Net change in deposits	3,525	−185	−3,955	−7,329	13,836
Net change in short-term borrowings	250	500	0	0	−102
Proceeds from long-term borrowings	0	3,740	2,000	0	647
Payments on long-term borrowings	−1,900	−100	−2,000	0	−1,779
Cash dividends on common stock	−912	−890	−787	−663	−608
Cash dividends on preferred stock	−91	−104	−98	−99	−108
Payments for Repurchase of Redeemable Preferred Stock	−350	−500	0	0	—
Repurchases of common stock	−1,067	−348	−252	−230	−467
Taxes paid related to net share settlement of equity awards	−23	−27	−35	−24	−22
Net cash from financing activities	−568	2,575	−5,127	−8,345	11,290
Net change in cash and cash equivalents	195	3,911	−4,426	−18,184	11,455

Filings

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Holdings (13F)

Portfolio as of 2026-01-14 · 1,646 positions

Reported AUM

$12.39B

Holdings

1.6K

Top sector

$12.39B

Top sectors

Sector	Value	% of portfolio
Uncategorized	$12.39B	100.0%

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