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
6 questions for RF
Also covers: BAC, BK, C +8 more
JP
John Pancari
Evercore ISI
6 questions for RF
Also covers: ALLY, AXP, BFH +19 more
Gerard Cassidy
RBC Capital Markets
5 questions for RF
Also covers: BAC, BK, BPOP +14 more
CS
Christopher Spahr
Wells Fargo
4 questions for RF
Also covers: MTB, ZION
Erika Najarian
UBS
4 questions for RF
Also covers: AXP, BAC, C +14 more
Ebrahim Poonawala
Bank of America Securities
3 questions for RF
Also covers: , BK, BMO +31 more
MO
Matthew O'Connor
Deutsche Bank
3 questions for RF
Also covers: BAC, C, CFG +11 more
MO
Matt O'Connor
Deutsche Bank
3 questions for RF
Also covers: BAC, CFG, HBAN +7 more
PW
Peter Winter
D.A. Davidson
3 questions for RF
Also covers: BFIN, BOKF, CFG +12 more
Ryan Nash
Goldman Sachs & Co.
3 questions for RF
Also covers: ALLY, AXP, CFG +7 more
SS
Scott Siefers
Piper Sandler
3 questions for RF
Also covers: ASB, CFG, FITBI +7 more
CM
Chris McGratty
KBW
2 questions for RF
Also covers: BAC, C, CBC +18 more
DC
David Chiaverini
Wedbush Securities Inc.
2 questions for RF
Also covers: AX, BANC, BOKF +17 more
EP
Ebrahim Poonawalla
Bank of America
2 questions for RF
Also covers: BMO, BNS, MTB +3 more
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 +12 more
RS
R. Scott Siefers
Piper Sandler Companies
1 question for RF
Also covers: ASB, CFG, FITB +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 Financial outlines strategic priorities at 2026 BofA conference
RF
CFO Change
Guidance Update
- Regions reflected on the 2006 AmSouth merger and credited its low-cost, loyal deposit franchise and a hedging program launched in 2019 for stabilizing net interest margin at 360–390 bps across rate environments.
- The bank completed $2.47 bn of portfolio de-risking in 2025 (including $770 mn in targeted sectors and $1.7 bn in leveraged lending) and expects only $400 mn more over the next two years, setting the stage for resumed loan growth in 2026.
- Commitments grew ~2–2.5% annually; a 1 pp increase in line utilization (currently 31.5%) would fund ~$660 mn in new loans, with early “green shoots” already evident this quarter.
- Regions is 75% through banker-hiring plans across corporate, consumer, and wealth, while advancing a core system transformation—commercial lending in mid-2026, deposit platform later this year, plus a new general ledger.
- Capital generation of 40 bps/Q is allocated 18 bps to dividends, with the remainder for organic loan growth, non-bank investments (e.g., muni finance, healthcare payments), and share buybacks; large bank M&A is not a near-term priority.
Feb 11, 2026, 1:00 PM
Regions Financial outlines strategic and growth priorities at BoA 2026 Conference
RF
Guidance Update
New Projects/Investments
M&A
- Emphasized disciplined interest-rate risk management: Regions has hedged since 2019 to stabilize net interest margin at 360–390 bps across rate environments, cutting volatility significantly.
- Loan portfolio de-risking nearly complete: After exiting ~$770 M of concentrated portfolios and ~$1.7 B of leveraged loans in 2025, only ~$400 M remains to be wound down, setting the stage for loan growth and improved line utilization (31.5 %) in 2026.
- Strong deposit and margin positioning: Deposit costs fell to 1.73 % in January 2026; Regions added $3.5 B of long-duration hedges in Q4 and another $1 B in Q1 to lock in ~415 bps on 10-year rates.
- Strategic investments in talent and technology: About 75 % of planned banking hires are complete; core system overhaul includes a new commercial lending platform by mid-2026 and a deposit/general ledger rollout into 2027 to drive efficiency and growth.
- M&A on the back burner: With a core tech transformation underway, Regions is focused on organic growth and will only consider acquisitions post-system deployment in 2027 if they offer dense market footprint and deposit franchise benefits at the right price.
Feb 11, 2026, 1:00 PM
Regions Financial outlines 2026 growth, NII guidance and capital priorities
RF
Guidance Update
Dividends
Share Buyback
- Regions continues portfolio de-risking, having exited $1.7 billion of leveraged loans and reduced $770 million in targeted CRE exposures in 2025, with only $400 million of remaining runoff over the next two years and early signs of loan growth in 2026.
- The bank targets 2026 net interest income of $360–$390 million, driven by lower deposit costs (from 1.78% at YE 2025 to 1.73% in January), $12–14 billion of loan repricing (+75 bp) and hedges that lock in margin near 415 bp on a 10-year equivalent.
- Capital deployment will start with generating 40 bp of capital per quarter, allocating 18 bp to dividends, funding organic loan growth and non-bank investments (municipal finance, healthcare payments), then share buybacks; M&A remains opportunistic, not required for plan execution.
- Credit quality is stable: wholesale risk upgrades outpace downgrades by 1.75×, criticized assets and NPLs are declining, and consumer portfolios perform well as the allowance moves toward 1.64%.
Feb 11, 2026, 1:00 PM
Regions Financial reports Q4 2025 results and CFO transition
RF
Earnings
CFO Change
Guidance Update
- CFO Change: David Turner retires after a nearly 40-year career; Anil Chadha appointed CFO.
- Earnings: Full-year 2025 net income of $2.1 billion (EPS $2.30; $2.33 adjusted); Q4 net income $514 million (EPS $0.58; $0.57 adjusted) with a ROTCE just over 18%.
- NII & Fee Income: Net interest income grew 2% sequentially; NIM rebounded to 3.7% ; adjusted non-interest income rose 5% in 2025, delivering 140 bps of positive operating leverage and a 20% increase in tangible book value per share.
- 2026 Guidance: Full-year effective tax rate 20.5–21.5%; net interest income growth of 2.5–4%; NIM in the mid-360s to start; adjusted non-interest income up 3–5%; adjusted non-interest expense up 1.5–3.5%; net charge-offs of 40–50 bps.
- Capital & Returns: CET1 ratio at 10.8% (9.6% incl. AOCI); returned $2 billion to shareholders in 2025, including $430 million in share buybacks and $231 million in dividends in Q4.
Jan 16, 2026, 3:00 PM
Regions Financial reports Q4 2025 results and leadership changes
RF
Earnings
CFO Change
Guidance Update
- After nearly 40 years, CFO David Turner retired, succeeded by Anil Chadha as Regions' new CFO.
- Regions posted full-year earnings of $2.1 billion (EPS $2.30; adj. EPS $2.33) and fourth-quarter earnings of $514 million (EPS $0.58; adj. EPS $0.57), with a $0.04 EPS drag from tax and litigation items.
- Loan balances were stable as $2 billion in strategic runoff offset modest demand; deposits rose $800 million, while net interest income grew 2% Q/Q and net interest margin rebounded to 3.7%.
- For 2026, Regions expects average loans to rise low single digits, average deposits up low single digits, net interest income growth of 2.5–4%, and a net interest margin in the mid-360s, with fee revenue seen growing 3–5%.
Jan 16, 2026, 3:00 PM
Regions Financial reports Q4 and FY 2025 results
RF
Earnings
CFO Change
Guidance Update
- CFO Change: David J. Turner retired after nearly 20 years as CFO; Anil Chadha was appointed CFO, bringing deep strategic alignment.
- Q4 earnings of $514 million (EPS $0.58; $0.57 adj.) and FY 2025 earnings of $2.1 billion (EPS $2.30; $2.33 adj.), achieving just over 18% ROTCE.
- Loan trends: average loans stable with $2 billion of strategic runoff; 2026 average loans guided up below single digits; deposits ended Q4 up $800 million, with 2026 average deposits guided up low-single digits.
- NIM rebounded to 3.7% (+11 bp QoQ) and net interest income grew 2% QoQ; 2026 adjusted non-interest expense is expected up 1.5–3.5% with positive operating leverage.
- Asset quality improved: annualized net charge-offs at 59 bp, NPL ratio at 73 bp; 2026 net charge-offs guided 40–50 bp; CET1 was 10.8%, with $430 million in share repurchases and $231 million in dividends in Q4.
Jan 16, 2026, 3:00 PM
Regions Financial reports Q4 2025 results
RF
Earnings
Guidance Update
Share Buyback
- Regions Financial reported Q4 net income of $534 M, net income available to common shareholders of $514 M, and diluted EPS of $0.58.
- Total revenue was $1.921 B, with pre-tax pre-provision income of $823 M.
- The efficiency ratio stood at 56.8%, return on average tangible common equity was 17.17%, and net interest margin was 3.70%.
- Common Equity Tier 1 ratio was 10.8% (9.6% incl. AOCI); the bank repurchased ~17 M shares for $430 M and declared $231 M in dividends.
- Guidance for 1Q26 includes net interest income down 1–2% QoQ, with FY26 net interest income expected up 2.5–4% and low-single-digit loan and deposit growth.
Jan 16, 2026, 11:01 AM
Regions Financial reports 2025 earnings growth and record fee income
RF
Earnings
Share Buyback
Dividends
- Regions Financial delivered 2025 net income of $2.156 billion and diluted EPS of $2.30, with adjusted EPS up 9% yoy; 4Q25 diluted EPS was $0.58 and total revenue was $1.9 billion (6% yoy growth).
- Achieved annual record Wealth Management and Treasury Management income, driving strong fee income growth in 2025.
- Maintained robust capital and liquidity with Common Equity Tier 1 ratio of 10.8%, Tier 1 ratio of 11.9%, and $67.9 billion of available liquidity at year-end.
- In 4Q25, repurchased 17 million shares for $430 million and declared $231 million in dividends, underscoring shareholder return priorities.
Jan 16, 2026, 11:00 AM
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
Quarterly earnings call transcripts for REGIONS FINANCIAL.
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