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Dec 31, 2025
Regions Q4 2025 Earnings Report
Regions reported solid Q4 2025 results with steady revenue and strong income performance.
Key Takeaways
Regions Financial delivered stable top-line results and strong net income in Q4 2025, supported by record wealth management income and continued cost control.
Q4 revenue reached $1.92B, up from $1.82B YoY.
Net income totaled $514M with EPS of $0.58.
Wealth Management and Treasury Management hit new quarterly records.
ACL coverage ratio increased to 242% as credit quality improved.
Revenue by Segment
Forward Guidance
Regions anticipates continued strength in ROATCE, deposit growth, and capital efficiency in 2026.
Positive Outlook
- 2025 ROATCE expected to remain highest among peers for 5th year
- Strong capital position supports strategic growth
- Improving client sentiment boosts commercial pipelines
- Continued momentum in wealth and treasury management
- Efficiency ratio remains well-controlled, enabling growth
Challenges Ahead
- Capital markets income fell 23% due to macro delays
- Mortgage income dropped 16% amid valuation and hedge pressures
- Business loan balances declined as company de-risked portfolio
- Operating expenses impacted by investments in technology and infrastructure
Historical Earnings Impact
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Avg. Return Before/After Earnings
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