Regions reports Q4 2024 EPS $0.56; FY EPS $1.93; NII up 1% QoQ; NIM 3.55%

REGIONS FINANCIAL CORP

2024-FY EPS reported $1.93

Q4 net income available to common $508M; diluted EPS $0.56 (adjusted $0.59). FY EPS $1.93.
Total revenue Q4 $1,815M ($1,845M adjusted); NII $1,230M (+1% QoQ). NIM 3.55% (+1bp QoQ).
Avg loans $96.7B (-0.1% QoQ); avg deposits $127.6B (+0.8% QoQ). NIB mix stable low-30%.
FY 2025 NII guidance +2% to +5%; adjusted non-interest income +2-4%; NCOs 40-50 bps (upper end).
CET1 ratio 10.8%; adjusted CET1 incl. AOCI 8.8%; near-term target 9.25-9.75% operating range.

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