01—Abstract
Summary
Summary of the 10-Q filed November 4, 2025. Cited figures are marked; the original filing is the authoritative source.
Regions Financial Corporation's Form 10-Q for the quarter ended September 30, 2025 shows third-quarter net income of $569 milliona, or $0.61 diluted earnings per common share on net income available to common shareholders of $548 million, compared with $490 million net income and $0.49 per diluted share in the third quarter of 2024.
Net interest income rose to $1.257 billionb from $1.218 billion, and the net interest margin (taxable-equivalent) was 3.59 percent versus 3.54 percent a year earlier. Non-interest income increased to $659 million from $572 million, though this was helped by a smaller securities loss of $27 million compared with $78 million in the prior-year quarter. Non-interest expense rose to $1.103 billion from $1.069 billion.
Credit metrics were mixed. The provision for credit losses was $105 millionc, down from $113 million, and net charge-offs were $135 million, or 0.55 percent of average loans, up from 0.48 percent. Non-performing loans excluding held for sale fell to $758 million from $928 million at year-end 2024, and the allowance for credit losses totaled $1.713 billion, or 1.78 percent of loans.
Total loans, net of unearned income, declined to $96.1 billiond from $96.7 billion at year-end 2024, while total deposits grew to $130.3 billion from $127.6 billion. Shareholders' equity reached $19.0 billion, and the company reported a CET1 ratio estimated at 10.9 percent at quarter-end. Capital actions during the period included the redemption of Series D preferred stock for $350 million and common stock repurchases of $637 million in the first nine months of 2025.
Subsequent to quarter-end, the company repurchased 8.0 million shares for approximately $195 million through November 3, 2025. The quarterly common dividend was raised to $0.265 per share from $0.25.
02—Key points
Key Highlights
- Third-quarter 2025 net income was $569 million, with diluted EPS of $0.61, up from $0.49 in the third quarter of 2024.
- Net interest income increased to $1.257 billion from $1.218 billion, and net interest margin (taxable-equivalent) was 3.59 percent versus 3.54 percent a year earlier.
- Non-interest income rose to $659 million from $572 million, with securities losses narrowing to $27 million from $78 million.
- Net charge-offs were $135 million, or 0.55 percent of average loans, compared with 0.48 percent in the third quarter of 2024; the allowance for credit losses was $1.713 billion, or 1.78 percent of loans.
- Non-performing loans, excluding held for sale, declined to $758 million from $928 million at December 31, 2024.
- Total deposits increased to $130.3 billion from $127.6 billion at year-end 2024, while total loans declined to $96.1 billion from $96.7 billion.
- The company redeemed Series D preferred stock for $350 million and repurchased $637 million of common stock in the first nine months of 2025; the third-quarter dividend was raised to $0.265 per share.
03—One dollar
04—Financials
Financial Highlights
Figures from 10-QQ3 FY2025filed November 4, 2025Financial Statements
Q3 FY2025 against Q3 FY2024
| Line item | Q3 FY2025Q3 FY2024 | Change |
|---|---|---|
| Net Income | $569.00M$490.00M | +16.1% |
| EPS (Basic) | $0.62$0.49 | +26.5% |
| EPS (Diluted) | $0.61$0.49 | +24.5% |
| Shares Outstanding (Basic) | 890.00M914.00M | −2.6% |
| Shares Outstanding (Diluted) | 894.00M918.00M | −2.6% |
05—Questions
Frequently Asked Questions
How did Regions' profitability change in the third quarter of 2025?
Net income rose to $569 million from $490 million, and net income available to common shareholders increased to $548 million from $446 million. Diluted EPS was $0.61 compared with $0.49. Growth was driven mainly by higher net interest income and a smaller securities loss, partly offset by higher non-interest expense.
What happened to credit quality in the quarter?
The provision for credit losses fell to $105 million from $113 million, and non-performing loans excluding held for sale declined to $758 million from $928 million at year-end 2024. Net charge-offs rose to $135 million, or 0.55 percent of average loans, from 0.48 percent a year earlier, which the filing attributes largely to charge-offs on previously reserved portfolios of interest.
How much capital did Regions return to shareholders?
In the first nine months of 2025, Regions repurchased $637 million of common stock and paid $677 million in common dividends and $71 million in preferred dividends. It also redeemed Series D preferred stock for $350 million. After quarter-end, it bought back 8.0 million shares for about $195 million through November 3, 2025.
What is the outlook for the loan and deposit balances?
Loans declined $602 million from year-end 2024, driven by lower commercial and consumer balances partly offset by investor real estate growth. Deposits rose $2.7 billion, driven primarily by money market and non-interest-bearing growth, and the company's cash and cash equivalents increased about $1.4 billion.
What are the main risks the filing highlights for the portfolio?
The filing identifies business offices and trucking as portfolios of interest. The office portfolio totaled $1.1 billion, or 1.2 percent of total loans, with non-performing loans of $113 million. The trucking portfolio totaled $1.3 billion, with non-performing loans of $117 million. The company also states that risks to its baseline economic forecast are weighted to the downside.
06—Continue