RF Earnings Prediction
The chart below shows how RF performed 10 days before and after its earnings report, based on data from the past quarters. Typically, RF sees a -0.36% change in stock price 10 days leading up to the earnings, and a +2.27% change 10 days following the report. On the earnings day itself, the stock moves by -1.36%. This data can give you a slight idea of what to expect for the next quarter's release.
RF Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
1.81B
8.23%
12.38%
Gross Margin
--
--
--
Operating Margin
36.20%
-2.08%
-3.21%
Net Margin
--
--
--
EPS
1.19
205.13%
142.86%
No Data Available
RF Earnings Analysis
Regions Financial Corp Corporation (RF.N) Earnings Conference Call
Positive
Strong Earnings Performance: Strong full year earnings of $1.8 billion, resulting in earnings per share of $1.93, and a top-quartile return on average tangible common equity of 18%.
Capital Markets Revenue Growth: Record revenue generated in Capital Markets, Wealth Management, and Treasury Management products and services in 2024.
Deposit Growth Surge: Deposits grew by $12.5 billion since 2019, outpacing the market, with branch small business deposit growth of $2.6 billion or 30% since 2019.
Net Interest Income Growth: Net interest income grew 1% in the fourth quarter, with an expected increase of 2% to 5% for the full year of 2025, building on the growth momentum established in 2024.
Capital Management Highlights: Executed $58 million in share repurchases and paid $226 million in common dividends during the quarter, demonstrating strong capital management.
Negative
Loan Portfolio Decline: Average and ending loans declined modestly on a sequential quarter and full-year basis, indicating a lack of growth in the loan portfolio.
Fee Revenue Decline: Adjusted non-interest income declined 5% from a strong third quarter, reflecting a downturn in fee revenue performance.
Asset Quality Concerns: Provision expense was approximately equal to net charge-offs at $120 million, suggesting potential concerns regarding asset quality and credit risk.
Rising Credit Losses: Annualized net charge-offs as a percentage of average loans increased 1 basis point to 49 basis points, driven primarily by previously identified portfolios of interest, indicating rising credit losses.
Capital Adequacy Concerns: Common equity Tier 1 ratio decreased from 9.1% to an estimated 8.8% from the third to fourth quarter, raising concerns about capital adequacy amidst higher long-term interest rates.
RF FAQs
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RF Earning Call Sentiment
Regions Financial Corporation (RF) Q4 2024 Earnings Call Transcript
1.0x
00:00
00:00
RF.N
1.24%Positive
The earnings call reveals mixed signals: strong financial performance with increased earnings and stable net interest income, but concerns about modest loan demand and unclear management responses in the Q&A. Share repurchases and dividends are positive, yet the cautious outlook on loan growth and deposit pricing pressures tempers enthusiasm. Without market cap data, assuming moderate impact, the overall sentiment is neutral.
