RF
Regions Financial Corporation27.51
+0.12+0.44%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
24.55BP/E (TTM)
12.12Basic EPS (TTM)
2.27Dividend Yield
0.04%Recent Filings
10-Q
8-K
Solid Q3 earnings, record fees
Regions Financial reported solid Q3 2025 results with $1.9 billion in total revenue up 7% year-over-year, driven by record Wealth Management fees and Capital Markets income excluding adjustments. Adjusted earnings rose 8% to $561 million, while net charge-offs climbed to 0.55% of average loans amid resolutions in targeted portfolios, yet non-performing loans improved to 0.79%. Business services criticized loans plunged 20%, bolstering credit quality. Momentum builds into 2026.
8-K
Regions reports strong Q2 results
Regions Financial disclosed investor presentation materials on August 19, 2025, highlighting robust 2Q25 performance with adjusted net income of $538M, up 10.5% quarter-over-quarter, driven by 5% NII growth to $1,259M and NIM expansion to 3.65%. The bank showcased top-quartile organic loan and deposit growth over five years, low-cost deposits at 1.39%, and strategic investments in priority markets like Tampa and Nashville, projecting 3-5% NII growth for 2025 amid stable to modestly higher loan balances. Yet, elevated office CRE NPLs at 16.2% signal sector risks.
10-Q
Q2 FY2025 results
Regions Financial turned in a solid Q2, with net income available to common shareholders climbing 12% year-over-year to $534 million, or $0.59 per diluted share, up from $0.52. Net interest income rose 6% to $1.3 billion on a taxable-equivalent basis, pushing the margin to 3.65% from 3.51%, thanks to higher-yielding loan and securities replacements amid elevated rates, while deposit costs eased. Non-interest income jumped 18% to $646 million, fueled by stronger capital markets and mortgage fees, though non-interest expense ticked up 7% to $1.1 billion on higher salaries and miscellaneous costs. Provision for credit losses edged to $126 million from $102 million, with net charge-offs at 0.47% of average loans versus 0.42%; the allowance held steady at 1.80% of loans. Deposits grew 3% to $130.9 billion, bolstering liquidity at $64.8 billion, while long-term borrowings fell after a $750 million maturity. Credit quality improved, with non-performing loans dropping 16% to 0.80% of loans. Yet competition from fintechs with deeper pockets and lighter regulations pressures margins.
8-K
Regions Q2 earnings up 12%
Regions Financial reported Q2 2025 net income of $534 million and diluted EPS of $0.59, with total revenue surging 10% year-over-year to $1.9 billion on stronger net interest income and fee growth in wealth management and capital markets. While loans held steady, deposits grew modestly amid disciplined pricing, boosting the net interest margin to 3.65%—yet non-interest expenses rose 7% due to merit increases and incentives. Solid asset quality improved, with non-performing loans dipping to 0.80%; expect 2025 NII growth of 3-5%.
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