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Regions Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$15.0M in Q3 2026 · $902M over twelve months

Operating cash flow−$15.0M
Free cash flow−$15.0M
Cash / net income-0.0×

Analysis

In Q3 2026, Regions Financial generated −$15.0M of operating cash flow. That is $876M less than in Q3 2025 ($861M).

Over the twelve months to Sep 30, 2026, operating cash flow was $902M; the largest uses were other investing ($4.3B), buybacks ($985M), dividends ($919M); besides operations, cash came from net borrowing (+) / repaid (−) ($4.4B); the cash balance fell by $1.8B.

Operating cash flow was −$15.0M against net income of $631M — -0.0× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$2.1B, other liabilities +$1.2B, other operating capital +$210M.

Free cash flow

Regions Financial: free cash flow by quarterRegions Financial: free cash flow by quarter−$220MQ4 2024$1.1BQ1 2025$573MQ2 2025$861MQ3 2025−$319MQ4 2025$867MQ1 2026$369MQ2 2026−$15.0MQ3 2026
Operating cash flow less capital spending.
Regions Financial: operating cash flow against capital spendingRegions Financial: operating cash flow against capital spendingOperating cash flowCapital spending−$220M$0Q4 2024$1.1B$0Q1 2025$573M$0Q2 2025$861M$0Q3 2025−$319M$0Q4 2025$867M$0Q1 2026$369M$0Q2 2026−$15.0M$0Q3 2026
Latest (Q3 2026): Operating cash flow −$15.0M, Capital spending $0.

Capital allocation, year by year

Regions Financial: where the cash came from (up) and went (down), by fiscal yearRegions Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAcquisitionsBuybacksDividendsFY2021: Operating cash flow $3.0BFY2021: Net borrowing −$1.2BFY2021: Shares issued $390MFY2021: Acquisitions −$1.2BFY2021: Buybacks −$467MFY2021: Dividends −$608M$3.4BFY2021FY2022: Operating cash flow $3.1BFY2022: Buybacks −$230MFY2022: Dividends −$663M$3.1BFY2022FY2023: Operating cash flow $2.3BFY2023: Buybacks −$252MFY2023: Dividends −$787M$2.3BFY2023FY2024: Operating cash flow $1.6BFY2024: Net borrowing $4.1BFY2024: Shares issued $489MFY2024: Buybacks −$348MFY2024: Dividends −$890M$6.2BFY2024FY2025: Operating cash flow $2.2BFY2025: Net borrowing −$1.6BFY2025: Buybacks −$1.1BFY2025: Dividends −$912M$2.2BFY2025
Over these 5 years operating cash flow totalled $12.2B; the largest uses were dividends ($3.9B) and net borrowing ($2.9B). Cash-flow statements as filed.

Where the cash came from and went

Regions Financial: sources (+) and uses (−) of cash, Q3 2026Regions Financial: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)$2.9BOther financing−$1.2BOther investing−$940MCash drawn (+) / kept (−)−$403MDividends−$226MBuybacks−$95.0MOperating cash flow−$15.0MTaxes on employees’ shares−$1.0M
Regions Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Regions Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Net borrowing (+) / repaid (−)$4.4BOther investing−$4.3BCash drawn (+) / kept (−)$1.8BBuybacks−$985MDividends−$919MOther financing−$909MOperating cash flow$902MTaxes on employees’ shares−$26.0M

From profit to cash

Regions Financial: net income to operating cash flow, Q3 2026Regions Financial: net income to operating cash flow, Q3 2026Net income$631MDepreciation & amortization$16.0MGains on investments$15.0MPrepaid and other assets−$2.1BOther liabilities$1.2BOther operating capital$210MOperating cash flow−$15.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026−$15.0M−$95.0M−$226M$2.9B−$403M−$15.0M
Q2 2026$369M−$59.0M−$228M−$200M$1.2B$369M
Q1 2026$867M−$401M−$230M$1.4B−$236M$867M
Q4 2025−$319M−$430M−$235M−$1.2B$1.2B−$319M
Q3 2025$861M−$251M−$224M$800M−$924M$861M
Q2 2025$573M−$144M−$226M−$750M$3.1B$573M
Q1 2025$1.1B−$242M−$227M−$500M−$3.6B$1.1B
Q4 2024−$220M−$58.0M−$228M−$1.0B−$191M−$220M

Regions Financial: income statement and cash flow

Regions Financial, Q3 2026: revenue $2.0B (+3% year over year), operating margin 39.9%. The chart follows the revenue to costs, profit and cash.

Regions Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.