Earnings summaries and quarterly performance for REGIONS FINANCIAL.
Executive leadership at REGIONS FINANCIAL.
John M. Turner, Jr.
Detailed
Chairman, President and Chief Executive Officer
CEO
DJ
David J. Turner, Jr.
Detailed
Chief Financial Officer
DR
David R. Keenan
Detailed
Chief Administrative and Human Resources Officer
RG
Ronald G. Smith
Detailed
Head of Corporate Banking Group
RK
Russell K. Zusi
Detailed
Chief Risk Officer
TA
Tara A. Plimpton
Detailed
Chief Legal Officer and Corporate Secretary
Board of directors at REGIONS FINANCIAL.
AS
Alison S. Rand
Detailed
Director
JT
J. Thomas Hill
Detailed
Director
JT
James T. Prokopanko
Detailed
Director
JM
Joia M. Johnson
Detailed
Director
JS
José S. Suquet
Detailed
Director
LJ
Lee J. Styslinger III
Detailed
Director
MA
Mark A. Crosswhite
Detailed
Director
ND
Noopur Davis
Detailed
Director
RW
Roger W. Jenkins
Detailed
Director
RA
Ruth Ann Marshall
Detailed
Lead Independent Director
TV
Timothy Vines
Detailed
Director
WC
William C. Rhodes, III
Detailed
Director
ZG
Zhanna Golodryga
Detailed
Director
Research analysts who have asked questions during REGIONS FINANCIAL earnings calls.
BG
Betsy Graseck
Morgan Stanley
4 questions for RF
Also covers: BAC, BK, C +8 more
JP
John Pancari
Evercore ISI
4 questions for RF
Also covers: ALLY, BFH, CFG +16 more
Ebrahim Poonawala
Bank of America Securities
3 questions for RF
Also covers: , BK, BMO +30 more
Erika Najarian
UBS
3 questions for RF
Also covers: AXP, BAC, C +14 more
Gerard Cassidy
RBC Capital Markets
3 questions for RF
Also covers: BAC, BK, BPOP +14 more
MO
Matthew O'Connor
Deutsche Bank
3 questions for RF
Also covers: BAC, C, CFG +11 more
CS
Christopher Spahr
Wells Fargo
2 questions for RF
Also covers: MTB, ZION
Robert Siefers
Piper Sandler & Co.
2 questions for RF
Also covers: ASB, CFG, CMA +4 more
KU
Ken Usdin
Autonomous Research
1 question for RF
Also covers: BAC, BK, C +11 more
MO
Matt O'Connor
Deutsche Bank
1 question for RF
Also covers: BAC, JPM, KEY +5 more
PW
Peter Winter
D.A. Davidson
1 question for RF
Also covers: BFIN, BOKF, CFG +11 more
RS
R. Scott Siefers
Piper Sandler Companies
1 question for RF
Also covers: ASB, CFG, FITB +6 more
Ryan Nash
Goldman Sachs & Co.
1 question for RF
Also covers: ALLY, AXP, CFG +6 more
SS
Scott Siefers
Piper Sandler
1 question for RF
Also covers: ASB, CFG, FITBI +6 more
SA
Steven Alexopoulos
JPMorgan Chase & Co.
1 question for RF
Also covers: BAC, C, CFG +10 more
Recent press releases and 8-K filings for RF.
Regions Bank cuts prime lending rate
RF
- Regions Bank will reduce its prime lending rate to 6.75% from 7.00%, effective Dec. 11, 2025.
- Regions Financial Corporation (NYSE:RF) holds $160 billion in assets and operates approximately 1,250 branches and over 1,850 ATMs.
Dec 10, 2025, 9:30 PM
Regions Financial outlines strategy and priorities at Goldman Sachs conference
RF
Guidance Update
Share Buyback
New Projects/Investments
- Regions Financial emphasized its focus on soundness, profitability, and growth, delivering industry-leading return on tangible common equity and top-quartile EPS growth by prioritizing credit risk management and disciplined capital allocation.
- The bank plans to hire 170 commercial, corporate, wealth, and real estate bankers, reposition 600 branch bankers toward small business and mass-affluent segments, and invest in technology, including a major deposit system conversion slated for completion in 2027.
- Management expects 1–2% net interest income growth in Q4, with net interest margin in the mid-360 bps and a path to 370 bps by end-2026, driven by loan growth, front-book/back-book yield benefits, and disciplined deposit cost management.
- Regions announced a $3 billion share repurchase authorization over two years, targets a 9.5% CET1 ratio to balance organic growth, dividends, and opportunistic capital deployment, and reiterated that bank M&A is not part of its strategy.
Dec 10, 2025, 3:40 PM
Regions Financial outlines 2026 strategy and capital plan at GS Conference
RF
Guidance Update
Share Buyback
New Projects/Investments
- Regions emphasizes consistent, sustainable performance via sound credit risk management and disciplined capital allocation, delivering top peer-group returns on tangible common equity and a >10% dividend CAGR over six years.
- Anticipates net interest margin rising from mid-360 bps in Q4 to ~370 bps by end-2026, driven by loan growth inflection, front/back-book steepener benefits, and disciplined deposit cost management.
- Expects loan growth to accelerate in 2026 as portfolio de-risking (~$900 M in 2025) completes, client liquidity normalizes, and wholesale pipelines are up 84% y/y.
- Maintains CET1 at ~11% (9.5% adjusted), prioritizing organic growth and dividends, and authorizes a $3 B share buyback over two years while forgoing bank M&A to focus on returns.
- Investing in a core system conversion (“Regions 2.0”) and digital origination platform to boost speed to market, with pilot conversions in late 2026 and full customer migration in 2027.
Dec 10, 2025, 3:40 PM
Regions Financial outlines growth strategy at BancAnalysts Association Conference
RF
- Regions reported 5.2% year-to-date revenue growth and 5.7% linked-quarter momentum, driven by strong capital markets fees and deposits, and aims to raise noninterest revenue from 34% to 38% in its Corporate Banking Group.
- The bank holds $160 billion of assets, has recorded client liquidity above $50 billion for five consecutive quarters, and is investing in treasury management and AI-powered insights to deepen relationships.
- Consumer Banking serves 4.2 million customers, emphasizes primary checking to build a low-cost deposit base, has grown deposits 5% over six years, and maintains high loyalty with 60% of deposits from customers with 10+ year relationships.
- Technology modernization includes a new commercial lending platform in 2025 and a core deposit system by 2027, with guidance for net interest margin to finish the year in the mid-3.60% range and deliver positive operating leverage in 2026.
Nov 7, 2025, 1:15 PM
Regions Financial outlines growth and efficiency at Boston conference
RF
M&A
New Projects/Investments
- Regions reports strong multi-year growth: 6-year CAGRs of 3.6% in loans, 11.3% in capital markets, 8.3% in client liquidity, and 6.1% in treasury management (2019–2025).
- YTD 2025 performance shows robust efficiency and profitability: 44.7% efficiency ratio, +13.7% PTI growth, NIR/Revenue ratio of 33.8%, and +5.2% operating leverage.
- Corporate Banking Group underpins growth with 66,200 client relationships, 2,814 associates, and 170 local offices.
- Strategic initiatives include acquisitions (Clearsight, Sabal, BlackArch) driving ~30% of capital markets revenue (2022–2024) and AI-powered insights supporting over 35% of new business opportunities.
Nov 7, 2025, 1:15 PM
Regions Financial presents at BancAnalysts Association of Boston Conference
RF
New Projects/Investments
Guidance Update
- Regions has $160 billion in assets across 1,200 branches with a top-tier deposit franchise, recording a record > $50 billion in client liquidity for five consecutive quarters.
- Corporate banking revenue is up 5.2% year-to-date and 5.7% sequentially, with non-interest revenue at ~34% of total and a target of 38%.
- Consumer banking serves 4.2 million customers, deploying a primary-checking strategy that has driven 5% CAGR in deposits over six years and ~3% loan growth excluding run-off portfolios.
- Key technology investments include a new commercial lending platform going live in mid-2026 and a core deposit system by 2027, with an aim to drive efficiency and achieve positive operating leverage.
Nov 7, 2025, 1:15 PM
Regions Financial outlines strategy and growth at BancAnalysts Association of Boston Conference
RF
Guidance Update
New Projects/Investments
Hiring
- Regions has $160 billion in assets, operates 1,200 branches, and its five-year deposit growth has outpaced peers with the lowest total and interest-bearing deposit costs in the industry.
- Corporate Banking revenue is up 5.2% YTD with a linked-quarter gain of 5.7%, non-interest revenue at ~34% of total (targeting 38%), and client liquidity topping $50 billion for five consecutive quarters.
- Consumer Banking serves 4.2 million customers, emphasizing primary checking to drive low-cost granular deposits; 60% of consumer deposits come from relationships over 10 years (average primary checking tenure 19 years).
- Investing in technology and talent with a new commercial lending platform in production summer 2026, a core deposit system in 2027, hiring 90 additional revenue producers by end-2026, and leveraging AI for 35% of new business opportunities.
- CFO guidance expects net interest margin to finish the year in the mid-360 bps, expanding toward 370 bps in 2026, with no M&A planned and growth aligned to GDP and regional market trends.
Nov 7, 2025, 1:15 PM
Regions Financial outlines strategic priorities
RF
New Projects/Investments
M&A
- Regions Financial commits to diversified revenue streams, appropriate risk-adjusted returns, and disciplined expense management to drive profitability and soundness.
- Strategically investing to achieve top-quartile organic loan & deposit growth over the last five years vs. peers and leveraging 3.5% projected population growth in its core footprint.
- Pursuing non-bank M&A and expanding products, capabilities, talent, and technology to drive organic growth.
- Maintaining relentless focus on client selectivity, credit & interest rate risk management, capital & liquidity management, and operational & compliance risk management.
Nov 5, 2025, 9:36 PM
Regions Financial reports Q3 2025 results
RF
Earnings
Guidance Update
- Q3 GAAP earnings of $548 million (EPS $0.61) and adjusted earnings of $561 million (EPS $0.63), delivering a 19% return on tangible common equity
- Average loans up 1% and deposits stable to seasonally strong, with full-year average deposits now expected to rise low single digits
- Full-year guidance: net interest income growth of 3–4%, net interest margin rebounding to mid-360 bps in Q4, adjusted non-interest income up 4–5%, and non-interest expense up ~2% driving positive operating leverage
- Asset quality remains stable: annualized net charge-offs of 55 bps, non-performing loan ratio of 79 bps, allowance for credit losses at 1.78%, and full-year net charge-offs expected at ~50 bps
Oct 17, 2025, 2:00 PM
Regions Financial reports Q3 2025 results
RF
Earnings
Dividends
Share Buyback
- Reported GAAP net income of $548 M (diluted EPS $0.61) and adjusted net income of $561 M (adjusted EPS $0.63) in Q3 2025, reflecting 11% adjusted EPS growth year-over-year.
- Net interest margin was 3.59% (FTE) in Q3 2025, versus 3.65% in Q2 2025 and 3.54% in Q3 2024.
- Balance sheet remained stable: average loans of $96.6 B and ending deposits of $130.3 B in Q3 2025.
- Credit quality metrics held firm with net charge-offs at 0.55% of average loans and an allowance for credit losses covering 178% of loans (226% of nonperforming loans).
- Capital and returns: common equity Tier 1 ratio of 10.8%; declared $235 M in dividends and executed $251 M of share repurchases in the quarter.
Oct 17, 2025, 10:02 AM
Quarterly earnings call transcripts for REGIONS FINANCIAL.
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