Regions Financial Corp. (NYSE:RF) posted adjusted earnings per share of $0.63 for the third quarter of 2025, topping analyst estimates of $0.60. The results reflected strong revenue momentum and improved asset quality. Despite the earnings beat, the stock slipped 1.33% in premarket trading.
The Birmingham-based bank generated total revenue of $1.9 billion, up 7% year over year. Adjusted net income rose 8% to $561 million, while the EPS figure represented an 11% increase compared to the third quarter of 2024.
Net interest income climbed 3.2% to $1.26 billion, supported by a net interest margin of 3.59%, placing the bank in the top quartile of its peer group. Non-interest income jumped 15.2% to $659 million, driven by record results in wealth management and capital markets.
“Our third quarter results highlight the strength of our franchise and the impact of disciplined execution across our businesses,” said John Turner, Chairman, President and CEO of Regions Financial. “The Regions brand remains a steady, growing presence across dynamic markets in the Southeast, Texas and the Midwest, backed by experienced teams, investments in technology, and a long-standing commitment to our communities.”
Asset quality strengthened during the quarter, with criticized business services loans falling by roughly $1 billion, or 20%, and non-performing loan balances down 2%. The Common Equity Tier 1 ratio stood at a solid 10.8%, allowing the company to return capital through the repurchase of approximately 10 million shares for $251 million.
Average deposits were up slightly, increasing 0.1% sequentially and 2.9% year over year to $129.6 billion. The bank maintained an industry-leading interest-bearing deposit cost of 2.01%.
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