The earnings call presented a strong financial performance with notable achievements in earnings growth, return on equity, and technological advancements, despite challenges in loan growth and increased provisions.

Company Guidance

During the second quarter of fiscal year 2025, Regions Financial Corporation reported strong financial performance, with quarterly earnings of $534 million, translating to an earnings per share (EPS) of $0.59. On an adjusted basis, earnings were $538 million, or $0.60 per share. The bank delivered a pretax pre-provision income of $832 million, marking a 14% increase year-over-year, and achieved a return on tangible common equity of 19%. Regions noted a 30% organic growth in total average deposits over the past five years, with consumer deposits growing across all eight priority markets. Ending loans grew by 1%, driven by structured products, manufacturing, and previously approved multifamily projects. The company highlighted a 5% rise in net interest income from the previous quarter, despite stable Fed funds, due to efficient deposit cost management and fixed-rate asset turnover. Regions also achieved an 8% year-to-date increase in treasury management revenue and a record quarter in wealth management income. The bank reported a noninterest-bearing deposit proportion in the low 30% range and a 35% interest-bearing deposit beta. Additionally, Regions declared a 6% increase in the common dividend and emphasized its strategic focus on modernizing technology platforms, with a new mobile app rollout and upcoming upgrades to its commercial loan system and core deposit system.

Strong Quarterly Earnings

Reported strong quarterly earnings of $534 million, with earnings per share of $0.59. On an adjusted basis, earnings were $538 million, or $0.60 per share.

Pretax Pre-Provision Income Growth

Delivered pretax pre-provision income of $832 million, a 14% increase year-over-year.

Return on Tangible Common Equity

Generated a return on tangible common equity of 19%.

Deposit Growth

Grew consumer deposits across all 8 priority markets and achieved more than 30% organic growth in total average deposits over the last 5 years.

Wealth Management Success

Recorded another quarter of record fee income in wealth management, with revenue growing at more than an 8% compounded annual growth rate since 2018.

Capital Markets Revenue Growth

Capital markets revenue has grown to a 14% compounded annual growth rate since 2019, driven by organic activities and strategic acquisitions.

Technological Advancements

Began rolling out a new native mobile app and planning to upgrade the commercial loan system to a cloud platform, with full conversion anticipated in 2027.

Dividend Increase

Announced a 6% increase in the common dividend earlier this week.

Regions Financial (RF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

RF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 17, 2025	2025 (Q3)	0.59 / -	0.57	―	―	―
Jul 18, 2025	2025 (Q2)	0.56 / 0.60	0.53	13.21% (+0.07)
Apr 17, 2025	2025 (Q1)	0.51 / 0.54	0.44	22.73% (+0.10)
Jan 17, 2025	2024 (Q4)	0.55 / 0.59	0.52	13.46% (+0.07)
Oct 18, 2024	2024 (Q3)	0.53 / 0.57	0.49	16.33% (+0.08)
Jul 19, 2024	2024 (Q2)	0.49 / 0.53	0.59	-10.17% (-0.06)
Apr 19, 2024	2024 (Q1)	0.45 / 0.44	0.62	-29.03% (-0.18)
Jan 19, 2024	2023 (Q4)	0.46 / 0.52	0.7	-25.71% (-0.18)
Oct 20, 2023	2023 (Q3)	0.58 / 0.49	0.43	13.95% (+0.06)
Jul 21, 2023	2023 (Q2)	0.59 / 0.59	0.59	0.00% (0.00)

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
Jul 18, 2025	$24.27	$25.76	+6.14%
Apr 17, 2025	$18.76	$18.90	+0.75%
Jan 17, 2025	$23.75	$23.44	-1.31%
Oct 18, 2024	$23.01	$22.86	-0.65%

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 Oct 17, 2025, Before Open (Confirmed).

What is Regions Financial Corp. (RF) earnings time?

Regions Financial Corp. (RF) earnings time is at Oct 17, 2025, 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?

RF EPS forecast for the fiscal quarter 2025 (Q3) is 0.59.

Regions Financial (RF) Earnings News

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