Regions Financial (RF) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Regions Financial (RF) reported $1.92 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 5.8%. EPS of $0.57 for the same period compares to $0.59 a year ago.The reported revenue represents a surprise of -0.3% over the Zacks Consensus Estimate of $1.93 billion. With the consensus EPS estimate being $0.61, the company has not delivered EPS surprise.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how Regions Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Net charge-offs as a percentage of average loans: 0.6% versus the five-analyst average estimate of 0.5%.Net interest margin (FTE): 3.7% versus 3.6% estimated by five analysts on average.Efficiency Ratio: 56.8% versus the five-analyst average estimate of 56.6%.Common Equity Tier 1 ratio: 10.8% versus 10.9% estimated by four analysts on average.Average Balance - Total earning assets: $138.81 billion compared to the $140.62 billion average estimate based on four analysts.Non-performing assets: $715 million compared to the $810.98 million average estimate based on four analysts.Leverage Ratio: 9.7% versus 9.7% estimated by three analysts on average.Non-performing loans, including loans held for sale: $698 million compared to the $803.3 million average estimate based on three analysts.Tier 1 Capital Ratio: 11.9% versus the two-analyst average estimate of 11.9%.Total Non-Interest Income: $640 million compared to the $648.87 million average estimate based on five analysts.Net Interest Income: $1.28 billion versus $1.28 billion estimated by four analysts on average.Net interest income, taxable equivalent basis: $1.29 billion compared to the $1.29 billion average estimate based on four analysts.View all Key Company Metrics for Regions Financial here>>>Shares of Regions Financial have returned +3.8% over the past month versus the Zacks S&P 500 composite's +2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.Quantum Computing Stocks Set To SoarArtificial intelligence has already reshaped the investment landscape, and its convergence with quantum computing could lead to the most significant wealth-building opportunities of our time.Today, you have a chance to position your portfolio at the forefront of this technological revolution. In our urgent special report, Beyond AI: The Quantum Leap in Computing Power, you'll discover the little-known stocks we believe will win the quantum computing race and deliver massive gains to early investors.Access the Report Free Now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Regions Financial Corporation (RF): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks