Regions Financial Corporation (RF) Income Statement
RF 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsRF revenue and net income
Where RF's revenue goes
2025Each bar shows an amount and its share of revenue. RF kept 22.4% of revenue as net income.
RF profit margins
RF growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +2.5% | +8.7% | +7.7% | +5.4% |
| Gross profit | +8.7% | +1.3% | +7.7% | +3.3% |
| Operating income | +16.5% | −1.6% | +15.9% | +6.0% |
| Net income | +13.9% | −1.3% | +14.5% | +7.3% |
| EPS (diluted) | +9.3% | −0.4% | +17.8% | +11.5% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
RF quarterly EPS vs estimates
Regions Financial beat the analyst EPS estimate in 7 of the last 8 quarters.
RF income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $9.61B | $9.37B | $9.15B | $7.48B | $6.60B | $6.64B | $6.70B | $6.36B | $5.93B | $5.82B |
| Cost of revenue | $2.44B | $2.78B | $2.13B | $587.0M | −$357.0M | $1.70B | $1.23B | $829.0M | $507.0M | $592.0M |
| Gross profit | $7.17B | $6.60B | $7.02B | $6.89B | $6.96B | $4.95B | $5.46B | $5.53B | $5.43B | $5.23B |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $2.94B | $2.64B | $2.53B | $2.42B | $2.35B | $2.23B | $2.04B | $2.13B | $2.06B | $2.04B |
| Total operating expenses | $4.43B | $4.24B | $4.42B | $4.02B | $3.75B | $3.63B | $3.48B | $3.58B | $3.57B | $3.57B |
| Operating income | $2.74B | $2.35B | $2.61B | $2.88B | $3.21B | $1.31B | $1.99B | $1.96B | $1.86B | $1.66B |
| Interest income | $7.07B | $7.11B | $6.70B | $5.10B | $4.08B | $4.26B | $4.64B | $4.39B | $3.99B | $3.81B |
| Interest expense | $2.08B | $2.29B | $1.58B | $316.0M | $167.0M | $368.0M | $851.0M | $602.0M | $373.0M | $313.0M |
| Income before taxes | $2.74B | $2.35B | $2.61B | $2.88B | $3.21B | $1.31B | $1.99B | $1.96B | $1.86B | $1.66B |
| Income taxes | $587.0M | $461.0M | $533.0M | $631.0M | $694.0M | $220.0M | $403.0M | $387.0M | $619.0M | $510.0M |
| Net income | $2.16B | $1.89B | $2.07B | $2.25B | $2.52B | $1.09B | $1.58B | $1.76B | $1.26B | $1.16B |
| EBITDA | $2.83B | $2.50B | $2.84B | $3.23B | $3.59B | $1.74B | $2.41B | $2.42B | $2.40B | $2.24B |
| EPS (diluted) | $2.34 | $2.14 | $2.24 | $2.37 | $2.50 | $1.03 | $1.55 | $1.43 | $1.08 | $0.88 |
| Gross margin | 74.6% | 70.4% | 76.7% | 92.2% | 105.4% | 74.4% | 81.6% | 87.0% | 91.5% | 89.8% |
| Operating margin | 28.5% | 25.1% | 28.5% | 38.4% | 48.7% | 19.8% | 29.6% | 30.7% | 31.4% | 28.6% |
| Net margin | 22.4% | 20.2% | 22.7% | 30.0% | 38.2% | 16.5% | 23.6% | 27.7% | 21.3% | 20.0% |
| Sep '26 | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.46B | $2.38B | $2.33B | $2.41B | $2.46B | $2.43B | $2.31B | $2.39B | $2.39B | $2.31B | $2.29B | $2.33B |
| Cost of revenue | $554.0M | $539.0M | $545.0M | $487.0M | $644.0M | $651.0M | $655.0M | $692.0M | $715.0M | $678.0M | $692.0M | $675.0M |
| Gross profit | $1.91B | $1.84B | $1.78B | $1.92B | $1.81B | $1.78B | $1.66B | $1.70B | $1.68B | $1.63B | $1.59B | $1.65B |
| Sales, general & admin | $881.0M | $877.0M | $707.0M | $848.0M | $714.0M | $704.0M | $675.0M | $556.0M | $690.0M | $665.0M | $728.0M | $639.0M |
| Total operating expenses | $1.12B | $1.12B | $1.07B | $1.21B | $1.10B | $1.07B | $1.04B | $1.04B | $1.07B | $1.00B | $1.13B | $1.18B |
| Operating income | $787.0M | $718.0M | $714.0M | $708.0M | $708.0M | $706.0M | $621.0M | $657.0M | $608.0M | $625.0M | $464.0M | $471.0M |
| Interest income | — | $1.75B | $1.70B | $1.77B | $1.80B | $1.78B | $1.73B | $1.80B | $1.82B | $1.76B | $1.72B | $1.75B |
| Interest expense | $486.0M | $471.0M | $454.0M | $487.0M | $539.0M | $525.0M | $531.0M | $572.0M | $602.0M | $576.0M | $540.0M | $520.0M |
| Income before taxes | $787.0M | $718.0M | $714.0M | $708.0M | $708.0M | $706.0M | $621.0M | $657.0M | $608.0M | $625.0M | $464.0M | $471.0M |
| Income taxes | $156.0M | $148.0M | $155.0M | $174.0M | $139.0M | $143.0M | $131.0M | $123.0M | $118.0M | $124.0M | $96.0M | $80.0M |
| Net income | $631.0M | $570.0M | $559.0M | $534.0M | $569.0M | $563.0M | $490.0M | $534.0M | $490.0M | $501.0M | $368.0M | $391.0M |
| EBITDA | $787.0M | $742.0M | $737.0M | $730.0M | $729.0M | $725.0M | $643.0M | $678.0M | $642.0M | $666.0M | $512.0M | $524.0M |
| EPS (diluted) | $0.73 | $0.68 | $0.62 | $0.57 | $0.63 | $0.60 | $0.54 | $0.59 | $0.57 | $0.54 | $0.44 | $0.52 |
| Gross margin | 77.5% | 77.3% | 76.6% | 79.8% | 73.8% | 73.2% | 71.7% | 71.0% | 70.1% | 70.6% | 69.7% | 71.0% |
| Operating margin | 32.0% | 30.2% | 30.7% | 29.4% | 28.8% | 29.1% | 26.8% | 27.5% | 25.4% | 27.1% | 20.3% | 20.2% |
| Net margin | 25.7% | 24.0% | 24.0% | 22.2% | 23.2% | 23.2% | 21.2% | 22.4% | 20.5% | 21.7% | 16.1% | 16.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in RF's financial statements (latest annual report filed February 24, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
RF financial results
In fiscal year 2025 (ended December 31, 2025), Regions Financial reported revenue of $9.6 billion, up 2.5% from the year before. It had net income of $2.2 billion (up 13.9%), a net profit margin of 22.4%. Diluted earnings per share came to $2.34. Over five years revenue grew at an average rate of 7.7% a year.
See the RF stock overview for the latest quote and news, or the RF chart for price history and technical indicators.
RF income statement FAQ
What is Regions Financial's annual revenue?
Regions Financial reported total revenue of $9.6 billion for fiscal year 2025, which ended on December 31, 2025. That was up 2.5% from $9.4 billion the previous year.
Is Regions Financial profitable?
Yes. Regions Financial reported net income of $2.2 billion in fiscal 2025, a net profit margin of 22.4%; its operating margin was 28.5%.
What is Regions Financial's gross margin?
Regions Financial's gross margin was 74.6% in fiscal 2025: for every $100 of revenue, Regions Financial kept $75 after the direct cost of its products and services.
How fast is Regions Financial growing?
Revenue grew 7.7% a year on average over the last five fiscal years, from $6.6 billion to $9.6 billion.
What are Regions Financial's earnings per share?
Regions Financial earned $2.34 per diluted share in fiscal 2025, compared with $2.14 a year earlier.
When does Regions Financial's fiscal year end?
Regions Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 24, 2026.