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BIRMINGHAM - Regions Financial Corp. (NYSE:RF) reported third quarter 2025 adjusted earnings per share of $0.63, exceeding analyst estimates of $0.60, as the bank delivered solid revenue growth and improved asset quality metrics.
The company’s sShares dipped 1.33% in pre-market trading following the announcement.
The Birmingham-based bank reported total revenue of $1.9 billion, representing a 7% increase year-over-year, while adjusted earnings rose 8% to $561 million compared to the same period last year. The company’s adjusted EPS of $0.63 marked an 11% improvement from the third quarter of 2024.
Net interest income increased 3.2% year-over-year to $1.26 billion, with the bank maintaining a top-quartile net interest margin of 3.59%. Non-interest income grew significantly, rising 15.2% to $659 million compared to the year-ago quarter, driven by record performances 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 showed improvement with business services criticized loans decreasing by approximately $1 billion or 20%, while non-performing loan balances declined 2%. The bank’s Common Equity Tier 1 ratio remained strong at 10.8%, supporting its capital return strategy which included the repurchase of approximately 10 million shares of common stock for $251 million during the quarter.
Average deposits increased slightly by 0.1% compared to the previous quarter and grew 2.9% YoY to $129.6 billion, with the bank maintaining a peer-leading interest-bearing deposit cost of 2.01%.
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