Regions Financial revenue breakdown by business segment: 32.8% from Corporate Bank, 58.8% from Consumer Bank and 8.5% from Wealth Management
USD | FY, 2017 | FY, 2018 | FY, 2019 | FY, 2020 |
---|---|---|---|---|
Revenue | 6.1b | 6.4b | 6.8b | 84.0m |
Revenue growth, % | 5% | 5% | ||
Cost of goods sold | 373.0m | 602.0m | 851.0m | |
Gross profit | 5.7b | 5.8b | 5.9b | |
Gross profit Margin, % | 94% | 91% | 87% | |
General and administrative expense | 2.6b | 2.6b | 2.6b | |
Operating expense total | 3.6b | 3.6b | 3.5b | 882.0m |
EBIT | 1.1b | |||
EBIT margin, % | 1302% | |||
Interest expense | 368.0m | |||
Pre tax profit | 1.9b | 2.2b | 2.0b | 1.3b |
Income tax expense | 622.0m | 467.0m | 403.0m | 220.0m |
Net Income | 1.3b | 1.8b | 1.6b | 1.1b |
EPS | 1.0 | 1.5 | 1.5 |
USD | Q1, 2018 | Q2, 2018 | Q3, 2018 | Q1, 2019 | Q2, 2019 | Q3, 2019 | Q1, 2020 | Q2, 2020 | Q3, 2020 |
---|---|---|---|---|---|---|---|---|---|
Revenue | 1.6b | 1.6b | 1.6b | 1.7b | 1.7b | 1.7b | 1.6b | 1.6b | 1.7b |
Cost of goods sold | 122.0m | 136.0m | 156.0m | 223.0m | 235.0m | 213.0m | 151.0m | 91.0m | 71.0m |
Gross profit | 1.4b | 1.5b | 1.5b | 1.5b | 1.4b | 1.5b | 1.4b | 1.5b | 1.6b |
Gross profit Margin, % | 92% | 91% | 90% | 87% | 86% | 88% | 90% | 94% | 96% |
General and administrative expense | 659.0m | 676.0m | 636.0m | 636.0m | 633.0m | 644.0m | 629.0m | 689.0m | 694.0m |
Operating expense total | 884.0m | 911.0m | 922.0m | 860.0m | 861.0m | 871.0m | 836.0m | 924.0m | 896.0m |
Pre tax profit | 542.0m | 464.0m | 729.0m | 499.0m | 483.0m | 516.0m | 204.0m | (261.0m) | 634.0m |
Income tax expense | 128.0m | 89.0m | 165.0m | 105.0m | 93.0m | 107.0m | 42.0m | (47.0m) | 104.0m |
Net Income | 414.0m | 375.0m | 564.0m | 394.0m | 390.0m | 409.0m | 162.0m | (214.0m) | 530.0m |
EPS | 0.4 | 0.3 | 0.5 | 0.4 | 0.4 | 0.4 | 0.1 | (0.2) | 0.5 |
USD | FY, 2017 | FY, 2018 | FY, 2019 | FY, 2020 |
---|---|---|---|---|
Cash | 4.0b | 3.5b | 4.1b | 1.6b |
Accounts Receivable | 79.0b | 82.3b | 82.1b | 83.1b |
PP&E | 2.1b | 2.0b | 2.0b | 1.9b |
Goodwill | 4.9b | 4.8b | 4.8b | 5.2b |
Total Assets | 124.3b | 125.7b | 126.2b | 147.4b |
Accounts Payable | 96.9b | 94.5b | 97.5b | |
Short-term debt | 500.0m | 1.6b | 2.1b | |
Long-term debt | 8.1b | 12.4b | 7.9b | 3.6b |
Total Debt | 8.6b | 14.0b | 9.9b | 3.6b |
Total Liabilities | 108.1b | 110.6b | 109.9b | 129.3b |
Common Stock | 12.0m | 11.0m | 10.0m | 10.0m |
Preferred Stock | 820.0m | 820.0m | 1.3b | 1.7b |
Additional Paid-in Capital | 15.9b | 13.8b | 12.7b | 12.7b |
Retained Earnings | 1.6b | 2.8b | 3.8b | 3.8b |
Total Equity | 16.2b | 15.1b | 16.3b | 18.1b |
Debt to Equity Ratio | 0.5 x | 0.9 x | 0.6 x | |
Debt to Assets Ratio | 0.1 x | 0.1 x | 0.1 x | |
Financial Leverage | 7.7 x | 8.3 x | 7.7 x | 8.1 x |
USD | FY, 2017 | FY, 2018 | FY, 2019 | FY, 2020 |
---|---|---|---|---|
Net Income | 1.3b | 1.8b | 1.6b | 1.1b |
Depreciation and Amortization | 537.0m | 462.0m | 426.0m | 421.0m |
Accounts Receivable | (84.0m) | (3.4b) | 766.0m | |
Accounts Payable | (2.1b) | (2.4b) | 3.0b | |
Cash From Operating Activities | 2.3b | 2.3b | 2.6b | 2.3b |
Cash From Investing Activities | (785.0m) | (3.0b) | 509.0m | (4.9b) |
Short-term Borrowings | 500.0m | 1.1b | 450.0m | |
Long-term Borrowings | (6.3b) | (17.5b) | (25.9b) | (10.9b) |
Dividends Paid | (346.0m) | (452.0m) | (577.0m) | (595.0m) |
Cash From Financing Activities | (3.0b) | 327.0m | (2.5b) | 16.4b |
Net Change in Cash | (1.5b) | (443.0m) | 576.0m | 13.8b |
USD | Q1, 2018 | Q2, 2018 | Q3, 2018 | Q1, 2019 | Q2, 2019 | Q3, 2019 | Q1, 2020 | Q2, 2020 | Q3, 2020 |
---|---|---|---|---|---|---|---|---|---|
Net Income | 414.0m | 789.0m | 1.4b | 394.0m | 784.0m | 1.2b | 162.0m | (52.0m) | 478.0m |
Depreciation and Amortization | 121.0m | 239.0m | 355.0m | 105.0m | 212.0m | 321.0m | 100.0m | 228.0m | 360.0m |
Accounts Receivable | (164.0m) | (767.0m) | (2.0b) | (1.4b) | (398.0m) | 456.0m | (4.5b) | (4.9b) | (2.5b) |
Accounts Payable | 101.0m | (1.6b) | (3.6b) | 1.2b | 480.0m | (186.0m) | 2.6b | 19.3b | 21.0b |
Cash From Operating Activities | 154.0m | 660.0m | 1.3b | 578.0m | 1.3b | 2.1b | 787.0m | 1.6b | 2.3b |
Cash From Investing Activities | (44.0m) | (714.0m) | (1.8b) | (1.7b) | 35.0m | 222.0m | (5.3b) | (6.4b) | (6.8b) |
Short-term Borrowings | (500.0m) | 900.0m | 2.8b | 2.7b | 3.8b | 1.1b | (2.0b) | 2.1b | |
Long-term Borrowings | (4.5b) | (6.3b) | (7.7b) | (11.5b) | (24.1b) | (24.7b) | (1.8b) | (8.1b) | (9.6b) |
Dividends Paid | (102.0m) | (203.0m) | (304.0m) | (143.0m) | (286.0m) | (426.0m) | (149.0m) | (298.0m) | (446.0m) |
Cash From Financing Activities | (906.0m) | 359.0m | 77.0m | 1.4b | (406.0m) | (777.0m) | 5.6b | 13.9b | 13.9b |
Net Change in Cash | (796.0m) | 305.0m | (486.0m) | 269.0m | 950.0m | 1.5b | 1.1b | 9.1b | 9.4b |
USD | FY, 2017 |
---|---|
Revenue/Employee | 280.6k |
Debt/Equity | 0.5 x |
Debt/Assets | 0.1 x |
Financial Leverage | 7.7 x |
FY, 2017 | Q1, 2018 | Q2, 2018 | Q3, 2018 | FY, 2018 | Q1, 2019 | Q2, 2019 | Q3, 2019 | FY, 2019 | Q1, 2020 | Q2, 2020 | Q3, 2020 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ATMs | 1.90 k | 1.95 k | 2.03 k | |||||||||
Bank Branches | 1.47 k | 1.45 k | 1.43 k | |||||||||
Non-performing Loans | $667 m | $609 m | $605 m | $554 m | $506 m | $536 m | $544 m | $470 m | $520 m | $641 m | $624 m | $772 m |
Total Deposits | $96.89 b | $96.99 b | $95.28 b | $93.26 b | $94.49 b | $95.72 b | $94.97 b | $94.31 b | $97.48 b | $100.03 b | $116.78 b | $118.45 b |
Total Loans | $80.10 b | $79.82 b | $80.48 b | $81.82 b | $83.15 b | $84.43 b | $83.55 b | $81.82 b | $82.96 b | $88.10 b | $90.55 b | $88.36 b |