Regions Q2 net income $534M, EPS $0.59; NIM expands to 3.65%; dividend raised 6%

REGIONS FINANCIAL CORP

2025-Q2 EPS reported $1.10

Net income available to common $534M ($0.59 diluted EPS); adjusted EPS $0.60; revenue $1.905B.
Net interest income $1.271B (+5% QoQ); NIM 3.65% (+13bps); NII guidance 3-5% growth for 2025.
Average loans stable at $96.1B; ending loans up 1%; average deposits up 1% to $129.4B; deposit costs down to 1.39%.
Asset quality: NCOs $113M (0.47% annualized); NPLs 0.80%; ACL ratio 1.80%.
Common dividend raised 6% to $0.265/share; $144M share repurchases; CET1 ratio 10.7%.

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