Regions Financial Corporation (RF) – NYSE: Q2 2025 Financial Results Summary

# Regions Financial Corp. (NYSE: RF) Second Quarter 2025 Earnings

**Release Date: July 18, 2025**

Regions Financial Corp. reported its financial results for the second quarter ended June 30, 2025. The company achieved noteworthy growth in net income and revenue, as detailed below:

### Summary of Financial Results:

– **Net Income**:
– $534 million
– Increased by **12%** compared to $477 million in Q2 2024.

– **Earnings Per Share**:
– Diluted EPS of **$0.59**
– Adjusted diluted EPS of **$0.60**
– Both metrics represent increases of **13.5%** and **13.2%** respectively from $0.52 and $0.53 in the same quarter last year.

– **Total Revenue**:
– $1.9 billion
– Growth of **10%** year-over-year from $1.73 billion in Q2 2024.

– **Pre-tax Pre-provision Income**:
– $832 million, significant for internal performance evaluations.

### Performance Highlights:

– **Total Net Interest Income**:
– Reported at $1.259 billion, reflecting a **6.2%** increase from $1.186 billion a year ago.

– **Non-interest Income**:
– Achieved $646 million, growing by **18.5%** from $545 million in Q2 2024.

#### Key Components of Revenue Growth:

– **Service charges on deposit accounts**: Stable at $151 million, no change from Q2 2024.
– **Wealth management income**: Increased by **9%**, from $122 million to $133 million year-over-year.
– **Mortgage Income**: Rose by **41.2%**, from $34 million to $48 million.

### Expenses:

– **Non-interest Expense**:
– Totaled $1.073 billion, an increase of **6.9%** compared to $1.004 billion in Q2 2024.

– **Salaries and Employee Benefits**:
– Increased by **8%** to $658 million from $609 million a year ago.

### Capital and Liquidity:

– **Common Equity Tier 1 Ratio**:
– Reported at **10.7%**, a modest increase compared to **10.4%** in Q2 2024.

– **Tangible Common Book Value per Share**:
– Increased **22%** from $10.61 last year to $12.91 this quarter.

– **Liquidity Position**:
– Total available liquidity stands at approximately **$65 billion**, showcasing strong capital management.

### Shareholder Actions:

– **Quarterly Dividend**:
– Declared at **$0.265 per share**, reflecting a **6%** increase from the previous quarter.
– This increase continues the trend of approximately **10%** annual growth in dividends over the last decade.

– **Share Repurchase**:
– Approximately **7 million shares** repurchased for a total of **$144 million** during this quarter.

#### Conclusions:

– Regions remains committed to executing its strategic plans while focusing on customer needs and improving operational efficiency.
– The ongoing investments in technology and talent are yielding positive results, as evidenced by the growth in both net income and total revenue.

### Closing of Report:

Regions Financial Corp. continues to position itself effectively in the financial sector, showing resilience in a dynamically changing environment and commitment to delivering shareholder value through consistent operational performance. Further details were discussed in the company’s earnings call following the release of this report.

For any inquiries, Regions’ investor relations can be contacted as provided in their communications.

# CONDENSED CONSOLIDATED STATEMENTS OF INCOME (amounts in millions)

* The second quarter 2025 amount includes $4 million of Series D preferred stock issuance costs, which reduced net income available to common shareholders when the shares were redeemed.

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# CONDENSED CONSOLIDATED BALANCE SHEETS (amounts in millions)