Regions Financial (RF) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Regions Financial reported $1.92 billion in revenue for Q4 2025, a year-over-year increase of 5.8%, but fell short of the Zacks Consensus Estimate by 0.3% [1] - The company's EPS for the quarter was $0.57, down from $0.59 a year ago, and did not meet the consensus estimate of $0.61 [1] Financial Performance Metrics - Net charge-offs as a percentage of average loans were 0.6%, slightly above the average estimate of 0.5% [4] - Net interest margin (FTE) was reported at 3.7%, exceeding the estimated 3.6% [4] - Efficiency Ratio stood at 56.8%, slightly higher than the average estimate of 56.6% [4] - Common Equity Tier 1 ratio was 10.8%, below the estimated 10.9% [4] - Average balance of total earning assets was $138.81 billion, lower than the estimated $140.62 billion [4] - Non-performing assets totaled $715 million, compared to the average estimate of $810.98 million [4] - Leverage Ratio was reported at 9.7%, matching the average estimate [4] - Non-performing loans, including loans held for sale, were $698 million, below the average estimate of $803.3 million [4] - Tier 1 Capital Ratio was 11.9%, in line with the average estimate [4] - Total Non-Interest Income was $640 million, slightly below the average estimate of $648.87 million [4] - Net Interest Income was reported at $1.28 billion, matching the average estimate [4] - Net interest income on a taxable equivalent basis was $1.29 billion, consistent with the average estimate [4] Stock Performance - Shares of Regions Financial have returned +3.8% over the past month, outperforming the Zacks S&P 500 composite's +2% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]