Education
About Us
Working with TipRanks
Follow Us
Regions Financial Corp. (RF)
NYSE:RF
Earnings Data
Report Date
Apr 17, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.54Same Quarter Last Year
Based on 16 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call portrayed a largely positive picture: strong full-year earnings, industry-leading returns on tangible common equity, record fee income in several businesses, progress on core modernization, and disciplined capital allocation including $2.0 billion returned to shareholders. Management acknowledged loan growth headwinds in 2025 driven by strategic runoff and capital markets refinancings, modest nonrecurring charges in Q4, elevated near-term tech spend for modernization, and some seasonal/quarterly weakness in capital markets and noninterest income. Credit metrics are improving (NPLs down, criticized loans down), though trailing charge-offs remain elevated. Guidance for 2026 shows cautious optimism with loan and deposit growth expected in the low single digits, NII growth guidance of 2.5%–4%, and continued positive operating leverage. Overall, the positives — solid earnings, strong returns, improving credit, and strategic investments that support long-term competitiveness — outweigh the contained near-term challenges.Company Guidance
Strong Full-Year and Quarterly Earnings
Reported FY2025 net earnings of $2.1 billion and adjusted EPS of $2.33; Q4 2025 earnings of $514 million with GAAP EPS $0.58 and adjusted EPS $0.57.
Industry-Leading Returns
Generated one of the highest returns on tangible common equity in the industry at just over 18% for the full year.
Solid Fee Income and Business Momentum
Adjusted noninterest income grew 5% in 2025; wealth management delivered record full-year revenue and four consecutive quarters of growth; Treasury Management hit a second consecutive record; capital markets posted its second-best year ever.
Improved Balance Sheet and Margin Dynamics
Net interest income grew 2% quarter-on-quarter; net interest margin rebounded to 3.7% (up 11 bps, inclusive of some nonrecurring items); interest-bearing deposit costs declined 16 bps in Q4 and management expects a mid-30% deposit beta over time.
Returning Capital to Shareholders
Returned $2.0 billion to shareholders in 2025 through dividends and buybacks; executed $430 million in share repurchases and paid $231 million in common dividends in Q4.
Capital and Liquidity Strength
Estimated CET1 ratio of 10.8% at quarter-end (9.6% inclusive of AOCI); management expects to manage CET1 inclusive of AOCI around current levels to support growth and shareholder returns.
Operational Progress and Digital Experience
Significant progress on core modernization (user testing underway; pilot expected in Q3 2026, conversion early 2027); launched new native mobile app rated 4.9/5 in the App Store; ongoing investments in authentication, data governance and AI capabilities.
Expense Discipline and Operating Leverage
Managed expenses prudently in 2025, delivering 140 basis points of adjusted positive operating leverage; adjusted noninterest expense up only 2% for the year with guidance for 2026 expense growth of 1.5%–3.5% and continued positive operating leverage.
Credit Resolution and Improving Asset Quality
Business services criticized loans and total nonperforming loans decreased 9% and 8% respectively; NPL ratio improved to 73 bps (down 6 bps); allowance for credit losses declined $27 million to 1.76% of loans while allowance as a % of NPLs increased to 242%; management expects net charge-offs of 40–50 bps for 2026.
Growth in Priority Markets and Talent Investment
Investments in priority markets drove over 40% of new corporate client growth in 2025; added ~50 of targeted ~120 commercial bankers as part of a two-year hiring plan to support growth initiatives.
RF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
RF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 16, 2026 | $28.52 | $27.77 | -2.63% |
Oct 17, 2025 | $23.11 | $23.33 | +0.99% |
Jul 18, 2025 | $24.02 | $25.49 | +6.12% |
Apr 17, 2025 | $18.57 | $18.70 | +0.73% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Regions Financial Corp. (RF) report earnings?
Regions Financial Corp. (RF) is schdueled to report earning on Apr 17, 2026, Before Open (Confirmed).
What is Regions Financial Corp. (RF) earnings time?
Regions Financial Corp. (RF) earnings time is at Apr 17, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is RF EPS forecast?
Currently, no data Available
