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
David J. Turner, Jr.
Detailed
Chief Financial Officer
David R. Keenan
Detailed
Chief Administrative and Human Resources Officer
Ronald G. Smith
Detailed
Head of Corporate Banking Group
Russell K. Zusi
Detailed
Chief Risk Officer
Tara A. Plimpton
Detailed
Chief Legal Officer and Corporate Secretary
Board of directors at REGIONS FINANCIAL.
Alison S. Rand
Detailed
Director
J. Thomas Hill
Detailed
Director
James T. Prokopanko
Detailed
Director
Joia M. Johnson
Detailed
Director
José S. Suquet
Detailed
Director
Lee J. Styslinger III
Detailed
Director
Mark A. Crosswhite
Detailed
Director
Noopur Davis
Detailed
Director
Roger W. Jenkins
Detailed
Director
Ruth Ann Marshall
Detailed
Lead Independent Director
Timothy Vines
Detailed
Director
William C. Rhodes, III
Detailed
Director
Zhanna Golodryga
Detailed
Director
Research analysts who have asked questions during REGIONS FINANCIAL earnings calls.
Betsy Graseck
Morgan Stanley
4 questions for RF
Also covers: BAC, BK, C +8 more
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
Matthew O'Connor
Deutsche Bank
3 questions for RF
Also covers: BAC, C, CFG +11 more
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
Ken Usdin
Autonomous Research
1 question for RF
Also covers: BAC, BK, C +11 more
Matt O'Connor
Deutsche Bank
1 question for RF
Also covers: BAC, JPM, KEY +5 more
Peter Winter
D.A. Davidson
1 question for RF
Also covers: BFIN, BOKF, CFG +11 more
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
Scott Siefers
Piper Sandler
1 question for RF
Also covers: ASB, CFG, FITBI +6 more
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 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 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
Regions Financial maintains $0.265 quarterly dividend
RF
Dividends
Debt Issuance
- Declared a quarterly cash dividend of $0.265 per share, payable January 2, 2026, with a record date of December 1, 2025, unchanged from the prior quarter and implying a 4.28% forward yield.
- Financial metrics remain robust, featuring a Piotroski F-Score of 8, debt-to-equity ratio of 0.28, and net margin of 28.48%, underscoring disciplined capital management.
- Marked its 13th consecutive year of dividend increases, having raised the payout from $0.25 to $0.265 in July 2025.
- Issued approximately $2.9 billion in new debt over the past three years while maintaining manageable leverage; market capitalization stands around $22 billion.
Oct 15, 2025, 11:01 PM
Regions Financial reports Q2 2025 results
RF
Earnings
Guidance Update
Share Buyback
- Regions delivered 5% linked-quarter net interest income growth, with ending loan balances up 1%, deposit cost down to 1.39%, and net interest margin in the low–mid 3.60s; full-year 2025 net interest income is now guided to grow 3–5%.
- Ending loans grew 1%, average loans were stable, and full-year average loans are expected to be stable to up modestly versus 2024; adjusted noninterest income rose 5% linked quarter, led by mortgage, card fees, and wealth management, with full-year noninterest income growth forecast at 2.5–3.5%.
- Adjusted noninterest expense increased 4% sequentially, driven by a 5% rise in salaries and benefits; full-year expenses are now expected to be up 1–2%, generating positive operating leverage of 150–250 bps.
- Capital actions included a 10.7% CET1 ratio, $144 million in share repurchases, $224 million in common dividends, and a 6% dividend increase; CET1 inclusive of AOCI is managed toward a 9.25–9.75% range.
- Management reaffirmed no interest in bank M&A, will pursue nonbank deals selectively, and is focused on deploying a cloud-based core deposit and commercial loan platform to enhance efficiency and product delivery.
Jul 18, 2025, 6:01 PM
Regions Financial raises quarterly dividend by 6%
RF
Dividends
Earnings
- Regions Financial raised its common stock dividend by 6% to $0.265 per share, lifting the forward yield to 4.4%, payable October 1, 2025 (record September 2, 2025).
- Declared preferred stock dividends for Series C, E, F: Series C yields $14.25 per share (~$0.35625 per depositary share) payable August 15, 2025 (record August 1, 2025); Series F is non-cumulative, yielding >7% and trading at a slight premium.
- Analysts set an average one-year price target of $25.06, implying a 4.06% upside from the current $24.08.
- Reported quarterly earnings of $465 million (EPS $0.51; adjusted EPS $0.54); net interest income fell 3% QoQ but is projected to grow ~3% in Q2.
Jul 16, 2025, 10:03 PM
Regions Financial Corp Outlines Strategic Growth at 2025 Conference
RF
New Projects/Investments
M&A
Guidance Update
- Strategic focus on sustainable performance: Regions emphasized enhanced credit risk management, solid long‑term deposit growth, and top quartile performance in tangible book value, dividends, and shareholder returns.
- Strong deposit base and margin guidance: The firm highlighted deposit growth over 30% at low cost and is targeting an NII margin reaching around $3.60 by year‑end, supported by effective deposit repricing and core deposit conversion initiatives.
- Investment in technology and selective M&A: Regions is expanding its commercial, wealth, and treasury management segments, with plans to grow its capital markets business towards a $400M target and pursue strategic non-depository acquisitions.
Jun 10, 2025, 1:41 PM
Regions Financial Corp Highlights Strategic Priorities in 8-K Disclosure
RF
New Projects/Investments
Revenue Acceleration/Inflection
- Strategic priorities focus on maintaining diversified revenue streams, achieving appropriate risk-adjusted returns, and disciplined expense management.
- The company is also emphasizing profitability and strategic investments to drive organic growth initiatives.
May 5, 2025, 12:00 AM
Quarterly earnings call transcripts for REGIONS FINANCIAL.
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