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Sep 30
Regions Q3 2025 Earnings Report
Regions reported strong third quarter results with record revenue contributions from Wealth and Capital Markets.
Key Takeaways
Regions Financial delivered solid Q3 2025 results, driven by record performance in Wealth Management and Capital Markets. Net income reached $548M, while adjusted EPS came in at $0.63. The bank maintained strong capital levels and improved credit quality.
Net income was $548 million and adjusted EPS reached $0.63.
Revenue hit $1.916 billion, led by Wealth Management and Capital Markets.
Business services criticized loans dropped by ~$1B, a 20% decline.
The bank repurchased 10 million shares and maintained a CET1 ratio of 10.8%.
Regions
Regions
Regions Revenue by Segment
Revenue by Segment
Deposit Account Fees Revenue
CapyFin.comCard & ATM Fees Revenue
CapyFin.comWealth Management Revenue
CapyFin.comCapital Markets Revenue
CapyFin.comMortgage Income Revenue
CapyFin.comCommercial Credit Fees Revenue
CapyFin.comBOLI Revenue
CapyFin.comBenefit Asset Adj. Revenue
CapyFin.comSecurities Gains/Losses Revenue
CapyFin.comMiscellaneous Income Revenue
CapyFin.com Forward Guidance
Regions expects to maintain peer-leading returns with continued growth in client relationships, disciplined expense control, and stable credit quality heading into 2026.
Positive Outlook
- Momentum in Wealth Management and Capital Markets expected to continue.
- Stable net interest income supported by fixed-rate originations.
- Deposit base remains a liquidity strength.
- Peer-leading ROATCE targeted for fifth consecutive year.
- Modernization investments remain self-funded through cost discipline.
Challenges Ahead
- Net interest margin pressured by excess cash and calendar effects.
- Elevated credit costs in select portfolios.
- Visa Class B shares expense increased due to external funding.
- Modest loan growth expected as consumer lending slows.
- Non-interest income could face headwinds in mortgage and card fees.