Exhibit 99.3 4th Quarter Earnings Conference Call 2023 Overview Continue to deliver consistent, sustainable long-term performance Highlights 4Q23 FY23 Key Performance Metrics Reported Adjusted(1) Reported Adjusted(1) • Record FY pre-tax pre-provision income(1) of $3.2B Net Income Available to Common Shareholders $367M $2.0B • ...

Regions Financial saw loan demand remain soft in the fourth quarter as customers continued to be cautious.Average and ending loans decreased “modestly” compared to the previous quarter, according to a presentation released Friday (Jan. 19) in conjunction with the bank’s quarterly earnings call.In the bank’s business portfolio, average business loans declined 1% quarter over quarter, according to the presentation.“We are seeing clients make long-term investments when they have to, but if they can defer, they ...

Core Insights - Regions Financial reported $1.81 billion in revenue for Q4 2023, a year-over-year decline of 9.5%, with EPS of $0.52 compared to $0.67 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate of $1.8 billion by 0.56%, and the EPS surpassed the consensus estimate of $0.48 by 8.33% [1] Financial Metrics Summary - Net interest margin (FTE) was 3.6%, matching the average estimate [2] - Efficiency Ratio stood at 65%, higher than the average estimate of 57.8% [2] - Average Balance of Total earning assets was $136.99 billion, below the estimated $138.24 billion [2] - Net charge-offs as a percentage of average loans were 0.5%, in line with the average estimate [2] - Common Equity Tier 1 ratio was 10.2%, slightly below the average estimate of 10.3% [2] - Non-performing loans totaled $808 million, exceeding the average estimate of $690.28 million [2] - Non-performing assets were $823 million, higher than the average estimate of $688.40 million [2] - Tier 1 Capital Ratio was 11.5%, matching the average estimate [2] - Total risk-based capital ratio was 13.3%, below the average estimate of 13.8% [2] - Leverage Ratio was 9.7%, slightly below the average estimate of 9.8% [2] - Total Non-Interest Income was $580 million, above the average estimate of $569.45 million [2] - Net Interest Income was $1.23 billion, in line with the average estimate [2] Stock Performance - Shares of Regions Financial have returned -6.2% over the past month, contrasting with the Zacks S&P 500 composite's +0.9% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]

Regions Financial (RF) came out with quarterly earnings of $0.52 per share, beating the Zacks Consensus Estimate of $0.48 per share. This compares to earnings of $0.67 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 8.33%. A quarter ago, it was expected that this holding company for Regions Bank would post earnings of $0.59 per share when it actually produced earnings of $0.49, delivering a surprise of -16.95%.Over the last fo ...

About this content About Stephen Gunnion Stephen Gunnion is a senior financial journalist and broadcaster at Proactive Investors. He has more than 25 years of experience in television, radio and print media, anchoring on a number of television channels including South Africa's Business Day TV, CNBC Africa and the South African Broadcasting Corporation, where he was the economics editor. He has also worked for Daily Maverick, Bloomberg, the Business Day newspaper and Investors' Chronicle. Read more About ...

BIRMINGHAM, Ala.--(BUSINESS WIRE)--Regions Financial Corp. (NYSE:RF) today reported earnings for the fourth quarter and full-year ended Dec. 31, 2023. The company reported fourth quarter net income available to common shareholders of $367 million and earnings per diluted share of $0.39. Fourth quarter results include the industry-wide FDIC special assessment, increased severance-related charges, and a net provision expense associated with an unsecured consumer loan portfolio sale. For the full-year 2023, th ...

Investors are always looking for stocks that are poised to beat at earnings season and Regions Financial Corporation (RF) may be one such company. The firm has earnings coming up pretty soon, and events are shaping up quite nicely for their report.That is because Regions Financial is seeing favorable earnings estimate revision activity as of late, which is generally a precursor to an earnings beat. After all, analysts raising estimates right before earnings — with the most up-to-date information possible — ...

In addition to this latest recognition, Regions Bank has earned the designation of Military Friendly® Employer for four consecutive years. (Photo: Business Wire)In addition to this latest recognition, Regions Bank has earned the designation of Military Friendly® Employer for four consecutive years. (Photo: Business Wire)BIRMINGHAM, Ala.--(BUSINESS WIRE)--Regions Bank on Wednesday announced it has been designated as a 2024 Military Spouse Friendly® Employer by Military Friendly®, an organization that measure ...

Analysts on Wall Street project that Regions Financial (RF) will announce quarterly earnings of $0.48 per share in its forthcoming report, representing a decline of 28.4% year over year. Revenues are projected to reach $1.8 billion, declining 10% from the same quarter last year.Over the last 30 days, there has been an upward revision of 0.5% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts ...

BIRMINGHAM, Ala.--(BUSINESS WIRE)--The Regions Financial Corporation (NYSE:RF) Board of Directors today declared a cash dividend of $14.25 per share of Series C Preferred Stock outstanding (equivalent to approximately $0.35625 per depositary share), payable on Feb. 15, 2024, to stockholders of record at the close of business on Feb. 1, 2024. About Regions Financial Corporation Regions Financial Corporation (NYSE:RF), with $154 billion in assets, is a member of the S&P 500 Index and is one of the nation’s ...