NYSE$RF

Regions Financial Corp · Q4 2019 earnings

Q4 2019 earnings · · Investor relations

Briefing

Regions reported fourth quarter earnings with net income from continuing operations available to common shareholders and diluted earnings per share.

Regions Financial Corporation reported a net income from continuing operations available to common shareholders of $366 million, with earnings per diluted share of $0.38 for the fourth quarter ended December 31, 2019. Total revenue increased by 3 percent compared to the fourth quarter of 2018, driven by growth in non-interest income.

  • Net income from continuing operations available to common shareholders was $366 million.
  • Earnings per diluted share were $0.38.
  • Total revenue increased by 3 percent compared to the fourth quarter of 2018.
  • Non-interest income increased by 17 percent compared to the fourth quarter of 2018.

Headline financials

Total Revenue

$1.48B

Previous: $1.44B+3.0%
EPS (adj)

$0.39

Previous: $0.38+2.6%
Net Income

$389M

Previous: $390M-0.3%
Operating Income

$389M

No prior period
Gross Profit

$1.49B

Previous: $1.47B+1.6%
Cash & Equivalents

$4.11B

Previous: $3.54B+16.3%
Total Assets

$126B

Previous: $126B+0.4%

Revenue & EPS history

Regions · Revenue · Quarterly

$1.48B

Q4 2019+3%vs Q4 2018
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Revenue by segment

Regions · $529M total across 7 segments · Q4 2019

  • Deposit Charges
    $187M+1.1%
  • Card & ATM Fees
    $112M+0.9%
  • Wealth Management
    $84M+9.1%
  • Capital Markets
    $61M+22.0%
  • Mortgage Income
    $49M+63.3%
  • Commercial Credit Fees
    $18M-5.3%
  • BOLI Income
    $18M+50.0%

Forward guidance

Regions is well positioned to meet its performance goals for 2020 by executing its strategic plan and delivering consistent, sustainable performance.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2019

Historical avgQ4 2019

+0.4%

Avg return

Earnings day

+1.5%

Avg return

5 days after

+4.7%

Avg return

30 days after

57%

41 / 72 earnings

Positive

+9.2%

Q1 2012

Best reaction

-13.9%

Q3 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2025-2.7%+1.0%-4.5%
Q1 2026-2.2%+1.0%-4.5%
Q3 2025+0.9%+3.3%+6.9%
Q2 2025+0.8%-0.5%+5.1%
Q1 2025+0.7%+3.2%+17.8%
Q3 2024-1.5%-1.4%+9.9%
Q2 2024+1.4%+0.1%-2.7%
Q1 2024+0.9%+4.1%+6.2%
Q4 2023+6.2%+7.2%+3.0%
Q3 2023-13.9%-14.7%-0.4%
Q2 2023-1.7%-0.6%-4.0%
Q1 2023-3.1%-6.2%-10.7%
Q4 2022+5.9%+5.6%+10.0%
Q3 2022+4.1%+7.9%+13.9%
Q2 2022+4.5%+3.9%+10.9%
Q1 2022+0.3%-1.3%-6.5%
Q4 2021-6.6%-1.8%+0.2%
Q3 2021+4.0%+0.4%+1.8%
Q2 2021+2.0%+2.4%+5.6%
Q1 2021+4.0%+5.5%+12.2%
Q4 2020-0.4%-3.6%+14.5%
Q3 2020+3.6%+11.7%+25.3%
Q2 2020-5.3%+0.0%+9.0%
Q1 2020+6.2%+2.7%+3.8%
Q4 2019-2.4%-2.6%-0.7%
Q3 2019+1.3%+2.1%+2.6%
Q2 2019+2.2%+7.8%-4.7%
Q1 2019-3.3%-2.5%-8.6%
Q4 2018-0.1%-1.5%+2.5%
Q3 2018-5.7%-2.0%-3.5%
Q2 2018+3.7%+3.8%+10.6%
Q1 2018+3.9%+4.8%+5.4%
Q4 2017+5.6%+7.1%+7.2%
Q3 2017+3.0%+4.0%+2.9%
Q2 2017+0.6%+1.0%-1.7%
Q1 2017-4.5%-3.7%+0.1%
Q4 2016-0.5%+4.6%+10.0%
Q3 2016+5.3%+6.3%+31.6%
Q2 2016-2.6%-1.4%+5.1%
Q1 2016+3.3%
Q4 2015-3.3%
Q3 2015+1.0%
Q2 2015+4.9%
Q1 2015+1.5%
Q4 2014-4.0%
Q3 2014+1.1%
Q2 2014-0.9%
Q1 2014+1.3%
Q4 2013+4.3%
Q3 2013-4.5%
Q2 2013-1.9%
Q1 2013+6.3%
Q4 2012+3.1%
Q4 2011+2.1%
Q3 2012-8.8%
Q2 2012+8.1%
Q1 2012+9.2%
Q3 2011+3.6%
Q2 2011-11.6%
Q1 2011+0.8%
Q4 2010-1.4%
Q3 2010+6.9%
Q2 2010-1.5%
Q1 2009-4.3%
Q1 2010+2.0%
Q4 2007-0.6%
Q4 2009-0.6%
Q4 2008-0.6%
Q3 2009-0.6%
Q3 2008-0.6%
Q2 2009+0.4%
Q2 2008+0.4%

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