Compared to Estimates, Regions Financial (RF) Q3 Earnings: A Look at Key Metrics

Core Insights - Regions Financial reported $1.92 billion in revenue for Q3 2025, a 7% year-over-year increase, with an EPS of $0.63 compared to $0.57 a year ago [1] - The reported revenue matched the Zacks Consensus Estimate, resulting in a slight revenue surprise of -0.08%, while the EPS exceeded expectations by 5% [1] Financial Performance Metrics - Net interest margin (FTE) was 3.6%, aligning with analyst estimates [4] - Efficiency Ratio stood at 57.2%, slightly above the average estimate of 56.6% [4] - Net charge-offs as a percentage of average loans were 0.6%, higher than the estimated 0.5% [4] - Common Equity Tier 1 ratio was 10.8%, matching analyst expectations [4] - Total earning assets averaged $140.37 billion, slightly below the estimate of $141.18 billion [4] - Non-performing assets totaled $788 million, better than the estimated $850.99 million [4] - Non-performing loans amounted to $770 million, also better than the estimate of $842.99 million [4] - Leverage Ratio was 9.7%, consistent with analyst estimates [4] - Tier 1 Capital Ratio was 11.9%, matching the average estimate [4] - Total Non-Interest Income reached $659 million, exceeding the estimate of $645.45 million [4] - Net Interest Income was $1.26 billion, slightly below the estimate of $1.27 billion [4] - Net interest income on a taxable equivalent basis was $1.27 billion, lower than the estimated $1.29 billion [4] Stock Performance - Regions Financial shares have returned -14.8% over the past month, contrasting with the Zacks S&P 500 composite's +0.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]