Regions Financial Corporation reported a fourth-quarter 2025 adjusted earnings per share of 57 cents, missing estimates. Despite higher revenues and lower provisions, concerns about expenses led to a 3% drop in RF shares. Full-year earnings of $2.30 per share also missed estimates, but net income rose 16.1% to $2.1 billion.

Revenues for the quarter were $1.92 billion, slightly below estimates, with total revenues for 2025 at $7.53 billion, also missing estimates. NII rose to $1.28 billion, and non-interest income increased to $640 million. Non-interest expenses rose to $1.1 billion, affecting profitability.

Total loans decreased slightly to $95.6 billion, while total deposits increased to $131.1 billion. Credit quality improved, with non-performing assets and non-performing loans decreasing. The company also recorded a provision for credit losses of $115 million, down 4.2%.

Capital ratios showed a mixed bag, with the Common Equity Tier 1 ratio stable at 10.8% but the Tier 1 capital ratio falling to 11.9%. In the quarter, RF repurchased 17 million shares for $430 million. The company’s strong presence in key markets positions it well for future growth, despite challenges like elevated expenses.

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