1st Quarter Earnings April 17, 2025 Exhibit 99.3 First Quarter Overview Continue to deliver consistent, sustainable long-term performance Key Performance Metrics 1Q25 Reported Adjusted(1) Net Income Available to Common Shareholders $465M $487M Diluted Earnings Per Share $0.51 $0.54 Total Revenue $1,784M $1,809M Non-Interest Expense $1,039M $1,035M Pre-Tax Pre-Provision Income(1) $745M $774M Efficiency Ratio 57.9% 56.8% Net-Charge Offs / Avg Loans 0.52% 0.52% Return on Average Tangible Common Equity(1) 17.72 ...

Financial Data and Key Metrics Changes - The company reported strong quarterly earnings of $465 million, resulting in earnings per share of 51 cents and adjusted earnings of $487 million with adjusted earnings per share of 54 cents [5] - Pre-tax, pre-provision income increased by 21% year-over-year to $745 million, with a return on tangible common equity of 18% [6][10] - Average loans remained stable quarter-over-quarter, while ending loans declined by 1% [14] - Average deposit balances grew by 1% quarter-over-quarter, and ending balances increased by 3% [16] Business Line Data and Key Metrics Changes - Average consumer loans decreased by approximately 1% in the first quarter due to lower seasonal production in home improvement finance and residential mortgage [16] - Adjusted non-interest income remained stable, with growth in most categories offset by lower capital markets revenue [25] - Adjusted non-interest expense increased by approximately 1% compared to the prior quarter, primarily driven by a 1% increase in salaries and benefits [27] Market Data and Key Metrics Changes - The company experienced favorable performance in both core and priority markets, with good participation in money market offers boosting interest-bearing deposits [17] - The outlook for unemployment has increased, with expectations for a pronounced slowdown in GDP growth [12] Company Strategy and Development Direction - The company remains committed to strategic priorities of soundness, profitability, and growth, which support long-term performance [7] - The company has strengthened its soundness through enhancements in risk management frameworks and operational practices [8] - The strategic plan includes investments in talent, technology, products, and services to further grow the business [8] Management's Comments on Operating Environment and Future Outlook - Management noted that clients remain optimistic about economic improvement, but current conditions have created uncertainty, leading to delayed investments [13] - The company expects average loans to be relatively stable in 2025 compared to 2024 due to economic uncertainty [16] - Management indicated that while net interest income declined in the first quarter, it is expected to grow approximately 3% in the second quarter [23] Other Important Information - The company executed $242 million in share repurchases and paid $226 million in common dividends during the quarter [33] - The common equity Tier 1 ratio was estimated at 10.8%, increasing to 9.1% when adjusted for AOCI [33] Q&A Session Summary Question: Customer engagement regarding investments and strategic decisions - Management indicated that customers are in a wait-and-see mode due to volatility and uncertainty, with clarity on tariffs needed for re-engagement [38] Question: Context on lower expense growth rate - Management explained that lower expense growth is due to lower headcount and offsetting investments, not actual cuts [44] Question: Loan side guidance and line utilization - Management noted that pipelines are mixed, with some sectors softening, and line utilization remains flat as customers carry excess liquidity [52] Question: Capital buyback pace outlook - Management stated that if loan demand remains muted, capital will be used for buybacks, with confidence in capital levels to support business [57] Question: Customer sentiment and tariff clarity - Management suggested that stability is needed for customers to act, likely taking 90 days to six months for clarity [67] Question: Service charge line growth drivers - Management highlighted growth in customer accounts and treasury management relationships as key drivers of service charge income [76] Question: Reserve expectations and unemployment rates - Management provided current unemployment expectations around 4.2% to 4.3%, with a qualitative component factored into reserves [83] Question: Economic outlook and credit portfolios - Management identified retail trade and manufacturing as areas to monitor closely for potential impacts in a slower growth environment [98]

Core Viewpoint - Regions Financial Corporation reported strong adjusted earnings per share of 54 cents for Q1 2025, surpassing the Zacks Consensus Estimate of 51 cents, and showing an increase from 44 cents in the same quarter last year [1][2] Financial Performance - Total quarterly revenues reached $1.78 billion, slightly missing the Zacks Consensus Estimate by 2.2%, but reflecting a 2.1% increase year over year [3] - Net interest income (NII) was $1.19 billion, up 0.8% year over year, although the net interest margin decreased by 3 basis points to 3.52% [3] - Non-interest income increased by 4.8% year over year to $590 million [3] - Non-interest expenses fell by 8.1% year over year to $1.04 billion, with adjusted non-interest expenses down 5.7% to $1.03 billion [4] Loan and Deposit Trends - Total loans decreased by 0.3% sequentially to $96.1 billion, while total deposits increased by 0.9% to $127.7 billion [5] Credit Quality - Non-performing assets as a percentage of loans decreased to 0.92% from 0.95% year over year, and non-performing loans as a percentage of net loans fell to 0.88% from 0.94% [6] - A provision for credit losses of $124 million was recorded, up 18.4% from the previous year [6][7] Capital Ratios - Common Equity Tier 1 ratio improved to 10.8% from 10.3% year over year, and the Tier 1 capital ratio increased to 12.2% from 11.6% [8] Share Repurchase Activity - The company repurchased 10.4 million shares for $242 million during the reported quarter [9] Future Outlook - The company's core business and revenue diversification strategies are expected to yield strong earnings in the future, supported by robust capital planning [11]

Regions Financial (RF) reported $1.78 billion in revenue for the quarter ended March 2025, representing a year-over-year increase of 2.1%. EPS of $0.54 for the same period compares to $0.44 a year ago.The reported revenue represents a surprise of -2.18% over the Zacks Consensus Estimate of $1.82 billion. With the consensus EPS estimate being $0.51, the EPS surprise was +5.88%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determin ...

Core Viewpoint - Regions Financial reported quarterly earnings of $0.54 per share, exceeding the Zacks Consensus Estimate of $0.51 per share, and showing an increase from $0.44 per share a year ago, indicating a positive earnings surprise of 5.88% [1][2] Financial Performance - The company posted revenues of $1.78 billion for the quarter ended March 2025, which was below the Zacks Consensus Estimate by 2.18%, but an increase from $1.75 billion year-over-year [2] - Over the last four quarters, Regions Financial has surpassed consensus EPS estimates four times, but has only topped consensus revenue estimates once [2] Stock Performance - Regions Financial shares have declined approximately 18.5% since the beginning of the year, compared to a decline of 10.3% for the S&P 500 [3] - The current consensus EPS estimate for the upcoming quarter is $0.55 on revenues of $1.85 billion, and for the current fiscal year, it is $2.21 on revenues of $7.47 billion [7] Industry Outlook - The Zacks Industry Rank for Banks - Southeast is currently in the bottom 44% of over 250 Zacks industries, suggesting that the industry outlook may negatively impact stock performance [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5][6]

Financial Performance - Net interest income for Q1 2025 was $1,194 million, a decrease from $1,230 million in Q4 2024, reflecting a 2.9% decline[4] - Non-interest income increased to $590 million in Q1 2025, compared to $585 million in Q4 2024, marking a 0.9% growth[4] - Net income available to common shareholders was $465 million for Q1 2025, down from $508 million in Q4 2024, representing an 8.5% decrease[4] - The provision for credit losses was $124 million in Q1 2025, slightly up from $120 million in Q4 2024, indicating a 3.3% increase[4] - Return on average assets for Q1 2025 was 1.27%, down from 1.36% in Q4 2024[6] - The efficiency ratio for Q1 2025 was 57.9%, compared to 56.8% in Q4 2024, indicating a decline in operational efficiency[6] - Total assets increased to $159,846 million at the end of Q1 2025, up from $157,302 million at the end of Q4 2024, reflecting a 1.6% growth[4] - Total shareholders' equity increased to $18,530 million, up from $17,879 million at December 31, 2024, reflecting a growth of 3.6%[9] - Net income for Q1 2025 was $490 million, down from $534 million in Q4 2024, but up from $368 million in Q1 2024[19] - Basic earnings per share for Q1 2025 was $0.51, down from $0.56 in Q4 2024 but up from $0.37 in Q1 2024[19] Loan and Deposit Trends - Loans, net of unearned income, decreased to $95,733 million in Q1 2025 from $96,727 million in Q4 2024, a decline of 1.0%[4] - Total deposits rose to $130,971 million, an increase of $3,368 million or 2.6% from $127,603 million at December 31, 2024[9] - Total loans decreased to $95,733 million, down by $994 million or 1.0% from $96,727 million at December 31, 2024[10] - The allowance for loan losses remained stable at $1,613 million as of March 31, 2025, unchanged from December 31, 2024[9] - Total deposits increased to $127,687 million in Q1 2025, up 0.9% from $126,493 million in Q4 2024 and 0.4% from $127,126 million in Q1 2024[17] - Non-interest-bearing deposits increased by $1.305 billion (3.3%) from Q4 2024 to Q1 2025, but decreased by $1.381 billion (3.3%) from Q1 2024[16] Credit Quality and Losses - The provision for loan losses was $123 million for the quarter, a decrease from $125 million in the previous quarter[58] - Non-performing loans, excluding loans held for sale, decreased to $843 million, down from $928 million at December 31, 2024, indicating improved asset quality[61] - Total net charge-offs for the quarter were $123 million, compared to $119 million in the previous quarter, reflecting an increase in loan losses[58] - The net loan charge-offs as a percentage of average loans, annualized, was 0.52% for the quarter, compared to 0.49% in the previous quarter[58] - Total accruing 30-89 days past due loans amounted to $333 million, representing 0.35% as of March 31, 2025, a decrease from $367 million (0.38%) at December 31, 2024[62] Operational Efficiency - Total non-interest expense remained stable at $1,039 million in Q1 2025, compared to $1,038 million in Q4 2024[19] - The efficiency ratio (GAAP) for Q1 2025 was 57.9%, compared to 56.8% in Q4 2024 and 64.3% in Q1 2024[44] - Adjusted efficiency ratio (non-GAAP) improved to 56.8% in Q1 2025 from 55.4% in Q4 2024[44] - Salaries and employee benefits increased to $625 million in Q1 2025, up 1.3% from $617 million in Q4 2024, but down 5.0% from $658 million in Q1 2024[40] Strategic Initiatives and Risks - The company anticipates potential impacts from economic conditions, including interest rate fluctuations and property value declines, which may affect lending and financial results[64] - The company is focused on enhancing its digital banking services to meet customer needs and respond to technological trends[64] - The company faces risks related to competition from fintechs and traditional financial institutions, which may affect its market position[64] - Changes in laws and regulations, including those affecting bank products and services, may require the company to alter business practices and could negatively impact revenue[68] - The company must invest significant managerial resources to comply with stress testing and capital planning requirements[68]

Shares of Regions Financial (NYSE: RF ) have been hard hit during the recent market sell-off and have now essentially erased all of their gains over the past year with shares roughly 30% off their highs. With the stock set toOver fifteen years of experience making contrarian bets based on my macro view and stock-specific turnaround stories to garner outsized returns with a favorable risk/reward profile. If you want me to cover a specific stock or have a question for an article, just let me know!Analyst’s Di ...

The upcoming report from Regions Financial (RF) is expected to reveal quarterly earnings of $0.51 per share, indicating an increase of 15.9% compared to the year-ago period. Analysts forecast revenues of $1.82 billion, representing an increase of 4.4% year over year.The current level reflects a downward revision of 1.5% in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraised their initial projections over this p ...

Core Viewpoint - Regions Financial Corporation is expected to report year-over-year growth in earnings and revenues for the first quarter of 2025, with earnings estimated at 51 cents per share and revenues at $1.82 billion, reflecting a 15.9% and 4.4% increase respectively compared to the previous year [1][3]. Group 1: Earnings and Revenue Estimates - The Zacks Consensus Estimate for first-quarter earnings is 51 cents per share, indicating a 15.9% rise from the year-ago reported number [3]. - The consensus estimate for revenues is pegged at $1.82 billion, indicating a 4.4% increase from the prior-year reported figure [3]. - Regions Financial has a history of earnings surprises, surpassing estimates in three of the last four quarters with an average surprise of 4.15% [2]. Group 2: Non-Interest Income and Expenses - Non-interest income is expected to total $615.1 million, indicating a 5.1% sequential rise, despite a projected decline in capital markets revenues to $85.3 million, down 12.1% sequentially [10][11]. - The company anticipates high expenses due to increased salaries and technology investments, which may keep the expense base elevated [11]. Group 3: Net Interest Income and Loan Demand - Net interest income (NII) is estimated at $1.29 billion, reflecting a 1.8% decrease sequentially, as the Federal Reserve maintained interest rates [4]. - The demand for commercial and industrial loans has decreased, while consumer loans remained solid in the first quarter [5]. Group 4: Asset Quality and Provisions - Regions Financial is likely to have set aside a substantial amount for potential bad loans, with non-performing assets estimated at $959.2 million, indicating a 1.8% rise from the previous quarter [12]. Group 5: Market Conditions and M&A Activity - Global M&A activities showed modest growth, primarily in the Asia Pacific region, but overall market volatility and trade tensions have made companies cautious about pursuing M&A [7].

Wall Street expects a year-over-year increase in earnings on higher revenues when Regions Financial (RF) reports results for the quarter ended March 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The earnings report, which is expected to be released on April 17, 2025, might help the stock move higher if these key numbers are better than e ...