Regions Financial (RF) reported $1.92 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 7%. EPS of $0.63 for the same period compares to $0.57 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $1.92 billion, representing a surprise of -0.08%. The company delivered an EPS surprise of +5%, with the consensus EPS estimate being $0.60.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Regions Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net interest margin (FTE): 3.6% versus 3.6% estimated by six analysts on average.
- Efficiency Ratio: 57.2% compared to the 56.6% average estimate based on six analysts.
- Net charge-offs as a percentage of average loans: 0.6% versus 0.5% estimated by five analysts on average.
- Common Equity Tier 1 ratio: 10.8% versus 10.8% estimated by five analysts on average.
- Average Balance - Total earning assets: $140.37 billion versus the four-analyst average estimate of $141.18 billion.
- Non-performing assets: $788 million versus the four-analyst average estimate of $850.99 million.
- Non-performing loans, including loans held for sale: $770 million versus the three-analyst average estimate of $842.99 million.
- Leverage Ratio: 9.7% versus the three-analyst average estimate of 9.7%.
- Tier 1 Capital Ratio: 11.9% versus 11.9% estimated by two analysts on average.
- Total Non-Interest Income: $659 million versus the six-analyst average estimate of $645.45 million.
- Net Interest Income: $1.26 billion versus the five-analyst average estimate of $1.27 billion.
- Net interest income, taxable equivalent basis: $1.27 billion versus $1.29 billion estimated by four analysts on average.
View all Key Company Metrics for Regions Financial here>>>
Shares of Regions Financial have returned -14.8% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Regions Financial Corporation (RF): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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