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Regions Financial
Regions Financial (RF) investor relations material
Regions Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary16 Jan, 2026
Executive summary
Reported strong full-year 2025 earnings of $2.1 billion, with diluted EPS of $2.30 (adjusted $2.33), and return on average tangible common equity of 18.51%, driven by record Wealth and Treasury Management results and disciplined expense management.
Fourth-quarter net income was $514 million, with diluted EPS of $0.58 (adjusted $0.57), impacted by tax and litigation expenses.
Advanced technology modernization, including a high-performing mobile app, investments in security, data, and AI, and ongoing core system upgrades.
Built momentum for 2026 with improved client sentiment, digital growth, and strategic investments in talent and technology.
Leadership transition as long-serving CFO retires, succeeded by Anil Chadha.
Financial highlights
FY25 net income available to common shareholders was $2,061M (adjusted $2,090M); total revenue was $7,526M (adjusted $7,576M); efficiency ratio improved to 56.8% in 4Q25.
Net interest income for 4Q25 was $1.28 billion, up 4.1% year-over-year; net interest margin increased to 3.70%.
Adjusted non-interest income grew 5% in 2025, with record fee income in Wealth Management and Corporate Bank.
Tangible book value per share rose 20% year-over-year to $13.75; $2 billion returned to shareholders via dividends and buybacks.
Allowance for credit losses ratio at 1.76%; net charge-offs at 0.59% of average loans in 4Q25.
Outlook and guidance
FY26 net interest income expected to grow 2.5–4%; adjusted non-interest income to grow 3–5%; adjusted non-interest expense to rise 1.5–3.5%.
Average loan and deposit balances expected to increase low single digits year-over-year in 2026.
Net charge-offs/average loans expected between 40–50bps in 2026, with potential to trend lower if macro conditions improve.
Effective tax rate for 2026 expected to return to the 20.5–21.5% range.
Expect to generate positive operating leverage and manage CET1 (inclusive of AOCI) around the mid-point of the 9.25–9.75% range.
Capital Markets 4Q decline drivers
Loan portfolio de-risking vs pipeline growth
State income tax reserve impact on 4Q ETR
When will core system modernization yield efficiency?
What drives loan growth beyond 2026 low single digits?
How does capital allocation balance growth vs. buybacks?
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Next Regions Financial earnings date
Bank of America Financial Services Conference 202611 Feb, 2026
Regions Financial
Next Regions Financial earnings date
Bank of America Financial Services Conference 202611 Feb, 2026
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Frequently asked questions
Regions Financial Corporation, a financial holding company based in the United States, offers a full range of commercial, retail and mortgage banking services. Through its subsidiaries, it provides commercial and retail banking, trust and brokerage services. The Company also engages in insurance business in certain markets. The Bank offers products such as checking and savings accounts, wealth management solutions, credit cards, mortgages and other loans, treasury management services and more. Regions Financial Corporation is based in Birmingham, Alabama.
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