Regions Financial(RF) ZACKS·2025-04-14 14:20Core Viewpoint - Regions Financial (RF) is expected to report quarterly earnings of 1.82 billion, a 4.4% increase from the previous year [1]. Earnings Estimates - The consensus EPS estimate has been revised downward by 1.5% over the past 30 days, indicating a collective reassessment by analysts [2]. - Revisions to earnings estimates are significant indicators for predicting investor actions regarding the stock, with empirical research showing a strong correlation between earnings estimate trends and short-term stock price performance [3]. Key Financial Metrics - Analysts predict a 'Net interest margin (FTE)' of 3.6%, consistent with the same quarter last year [5]. - The 'Efficiency Ratio' is expected to improve to 59.0%, down from 64.3% in the same quarter last year [5]. - The 'Common Equity Tier 1 ratio' is forecasted to reach 10.8%, up from 10.3% year-over-year [6]. - 'Average Balance - Total earning assets' is projected at 135.51 billion in the same quarter last year [6]. - 'Non-performing assets' are expected to be 922 million in the previous year [7]. - 'Non-performing loans, including loans held for sale' are estimated at 909 million year-over-year [7]. - The 'Leverage Ratio' is projected at 9.9%, slightly up from 9.8% last year [8]. - The 'Tier 1 Capital Ratio' is expected to reach 12.1%, compared to 11.6% in the previous year [8]. - 'Total Non-Interest Income' is forecasted at 563 million year-over-year [8]. - 'Net Interest Income' is expected to be 1.18 billion in the same quarter last year [9]. - 'Wealth management income' is projected at 119 million in the previous year [10]. Stock Performance - Regions Financial shares have decreased by 11.5% over the past month, contrasting with the Zacks S&P 500 composite's decline of 3.6% [10][11]. - The company holds a Zacks Rank 4 (Sell), indicating expectations of underperformance relative to the overall market in the near term [11].