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

Regions Financial (RF) reported $1.92 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 5.8%. EPS of $0.57 for the same period compares to $0.59 a year ago.

The reported revenue represents a surprise of -0.3% over the Zacks Consensus Estimate of $1.93 billion. With the consensus EPS estimate being $0.61, the company has not delivered EPS surprise.

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.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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 charge-offs as a percentage of average loans: 0.6% versus the five-analyst average estimate of 0.5%.
• Net interest margin (FTE): 3.7% versus 3.6% estimated by five analysts on average.
• Efficiency Ratio: 56.8% versus the five-analyst average estimate of 56.6%.
• Common Equity Tier 1 ratio: 10.8% versus 10.9% estimated by four analysts on average.
• Average Balance - Total earning assets: $138.81 billion compared to the $140.62 billion average estimate based on four analysts.
• Non-performing assets: $715 million compared to the $810.98 million average estimate based on four analysts.
• Leverage Ratio: 9.7% versus 9.7% estimated by three analysts on average.
• Non-performing loans, including loans held for sale: $698 million compared to the $803.3 million average estimate based on three analysts.
• Tier 1 Capital Ratio: 11.9% versus the two-analyst average estimate of 11.9%.
• Total Non-Interest Income: $640 million compared to the $648.87 million average estimate based on five analysts.
• Net Interest Income: $1.28 billion versus $1.28 billion estimated by four analysts on average.
• Net interest income, taxable equivalent basis: $1.29 billion compared to the $1.29 billion average estimate based on four analysts.

View all Key Company Metrics for Regions Financial here>>>

Shares of Regions Financial have returned +3.8% over the past month versus the Zacks S&P 500 composite's +2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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