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Regions Financial Corp. (RF)
NYSE:RF
Earnings Data
Report Date
Apr 17, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
0.51Last Year’s EPS
0.44Same Quarter Last Year
Moderate Buy
Based on 13 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Jan 17, 2025
|% Change Since: -9.23%
|Next Earnings Date:Apr 17, 2025
Earnings Call Sentiment|Neutral
The earnings call reflects a generally positive outlook for Regions Financial, highlighted by record revenue in several business segments and strong earnings metrics. However, concerns remain around loan growth, noninterest income performance, and asset quality, which may impact future growth. The company is proactively addressing these issues with strategic investments and expense management.Company Guidance
During the Regions Financial Corporation's Q4 2024 earnings call, the executives provided detailed guidance on several key metrics. The company reported full-year earnings of $1.8 billion, translating to earnings per share of $1.93 and achieving a top quartile return on average tangible common equity of 18%. They highlighted a projected loan growth of approximately 1% for 2025, with C&I lending expected to pick up notably. The company also anticipates average deposits to remain stable, offset by declines in commercial deposits due to excess liquidity. Net interest income is forecasted to increase by 2% to 5% in 2025, underpinned by a 35% deposit beta and strategic hedging. Noninterest income is expected to grow between 2% and 4%, driven by investments in capital markets and wealth management. The guidance included managing Common Equity Tier 1 to a range of 9.25% to 9.75%, considering potential regulatory changes. Additionally, Regions plans to expand its workforce by adding approximately 140 bankers over the next couple of years, focusing on priority growth markets to drive revenue and efficiency. Asset quality remained stable with the allowance for credit losses ratio at 1.79%, and full-year net charge-offs projected toward the higher end of the 40 to 50 basis points range.Record Revenue in Key Business Segments
Regions Financial reported record revenue in capital markets, wealth management, and treasury management services for the year 2024.
Strong Earnings and Return Metrics
The company reported full year earnings of $1.8 billion with an earnings per share of $1.93 and a return on average tangible common equity of 18%.
Deposit Growth and Market Share
Regions grew deposits by $12.5 billion since 2019, maintaining top 5 market share in 70% of core markets and achieving 30% branch small business deposit growth.
Positive Net Interest Income and Margin
Net interest income grew 1% in the fourth quarter, and the net interest margin increased by 1 basis point to 3.55%.
Capital Management and Shareholder Returns
Regions executed $58 million in share repurchases and paid $226 million in common dividends during the quarter.
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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
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RF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Jan 17, 2025 | $24.26 | $23.94 | -1.32% |
| Oct 18, 2024 | $23.51 | $23.35 | -0.68% |
| Jul 19, 2024 | $21.42 | $21.42 | 0.00% |
| Apr 19, 2024 | $18.20 | $18.10 | -0.55% |
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.
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FAQ
When does Regions Financial Corp. (RF) report earnings?
Regions Financial Corp. (RF) is schdueled to report earning on Apr 17, 2025, TBA Not Confirmed.
What is Regions Financial Corp. (RF) earnings time?
Regions Financial Corp. (RF) earnings time is at Apr 17, 2025, TBA Not 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?
RF EPS forecast for the fiscal quarter 2025 (Q1) is 0.51.
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