Regions Financial (RF) Reports Q1 Earnings: What Key Metrics Have to Say

Core Insights - Regions Financial reported $1.78 billion in revenue for Q1 2025, a year-over-year increase of 2.1% [1] - The EPS for the same period was $0.54, up from $0.44 a year ago, with a surprise of +5.88% over the consensus estimate [1] - The reported revenue was a surprise of -2.18% compared to the Zacks Consensus Estimate of $1.82 billion [1] Financial Performance Metrics - Net interest margin (FTE) was 3.5%, slightly below the estimated 3.6% [4] - Efficiency Ratio stood at 57.9%, better than the average estimate of 59% [4] - Net charge-offs as a percentage of average loans were 0.5%, matching the estimated figure [4] - Common Equity Tier 1 ratio was 10.8%, in line with the average estimate [4] - Average balance of total earning assets was $138.86 billion, slightly above the estimated $138.62 billion [4] - Non-performing assets totaled $884 million, lower than the estimated $959.16 million [4] - Non-performing loans amounted to $869 million, compared to the estimated $940.21 million [4] - Leverage Ratio was 9.8%, slightly below the estimated 9.9% [4] - Tier 1 Capital Ratio was 12.2%, above the average estimate of 12.1% [4] - Total Non-Interest Income was $590 million, below the estimated $615.09 million [4] - Net Interest Income was $1.19 billion, slightly below the estimated $1.21 billion [4] - Net interest income on a taxable equivalent basis was $1.21 billion, close to the estimated $1.22 billion [4] Stock Performance - Shares of Regions Financial have returned -11.9% over the past month, compared to the Zacks S&P 500 composite's -6.3% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]