The company said fourth-quarter net income was $534 million with diluted EPS of $0.58, and full-year Q4 2025 net income was $2,156 million with diluted EPS of $2.30.

1. 01

   The company said fourth-quarter net income was $534 million with diluted EPS of $0.58, and full-year Q4 2025 net income was $2,156 million with diluted EPS of $2.30.

2. 02

   Regions said total revenue for Q4 was $1,921 million, roughly in line with $1,916 million in the prior quarter, with net interest income of $1,281 million and a net interest margin (FTE) of 3.70%.

3. 03

   The company said net charge-offs for Q4 were $142 million, or 0.59% of average loans annualized, and the allowance for credit losses was $1,686 million, equal to 242% of non-performing loans.

4. 04

   The company said its Q4 CET1 ratio was 10.8% (9.6% including AOCI), and it repurchased about 17 million shares of common stock for $430 million in open-market purchases and declared $231 million in dividends to common shareholders.

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the opening part of the filing body and confirmed exhibits, within a length limit. This is not a review of other exhibits, investor presentations or the full earnings call.

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.