Regions Financial (RF-PF) Q4 2024 Earnings Report

Regions Financial Corporation posted an encouraging Q4 2024 with Revenue of $2.387B, Net Income of $534M, and Diluted EPS of $0.56, representing YoY growth of 4.0% in revenue, 36.6% in net income, and 43.6% in EPS, alongside QoQ increases of 2.5%, 9.0%, and 14.3% respectively. Operating income reached $657M, delivering an operating margin of 27.5% and a net profit margin of 22.4%. The quarter benefited from a stable gross margin (gross profit of $1.695B on revenue of $2.387B, gross margin ~71.0%) and disciplined expense management; however, Regions maintains a cautious stance on capital deployment given structural ROE of ~3% and a balance sheet driven by substantial non-interest liabilities and long-term investments.