文章核心观点 - 地区金融公司(Regions Financial)第二季度每股收益超出预期,但收入低于预期 [1][3] - 公司过去四个季度中有两次超出了共识每股收益预期 [2] - 公司股价今年以来涨幅低于标普500指数 [5][6] - 公司未来业绩表现将主要取决于管理层在财报电话会议上的评论 [4] 公司表现 - 第二季度每股收益为0.52美元,超出共识预期0.49美元,但低于去年同期0.59美元 [1] - 第二季度收入为17.3亿美元,低于共识预期17.6亿美元,且低于去年同期19.6亿美元 [3] - 过去四个季度中,公司有两次超出了共识每股收益预期 [2] 行业展望 - 公司所属的东南银行业目前在250多个扎克斯行业中排名在底部33% [11] - 扎克斯研究显示,排名前50%的行业相比排名后50%的行业,业绩表现要好2倍以上 [11] - 同行业公司Stellar Bancorp预计第二季度每股收益将同比下降27.3%,收入也将下降6.6% [13]

Exhibit 99.2 Regions Financial Corporation and Subsidiaries Financial Supplement (unaudited) Second Quarter 2024 Regions Financial Corporation and Subsidiaries Financial Supplement (unaudited) to Second Quarter 2024 Earnings Release Table of Contents Page Financial Highlights 1 Selected Ratios and Other Information* 2 Consolidated Balance Sheets 3 Loans 4 Deposits 6 Consolidated Statements of Income 8 Consolidated Average Daily Balances and Yield / Rate Analysis 10 Pre-Tax Pre-Provision Income ("PPI")* and ...

Regions Financial Corporation (RF) is scheduled to report second-quarter 2024 results on Jul 19, before the opening bell. The bank’s earnings and revenues in the to-be-reported quarter are expected to have declined from the year-ago reported figures.This Birmingham, AL-based player’s first-quarter 2024 earnings missed the Zacks Consensus Estimate due to a rise in expenses and a decline in net interest income (NII). Nonetheless, a rise in non-interest income supported results to some extent.Regions Financial ...

Wall Street expects a year-over-year decline in earnings on lower revenues when Regions Financial (RF) reports results for the quarter ended June 2024. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 19. On ...

Regions Financial Corporation (RF) is well-positioned for top-line growth, driven by robust loan balances. The company’s strong liquid profile will continue to support its capital distribution activities. However, pressure on mortgage income due to high rates and elevated expenses remain near-term concerns.Regions Financial’s presence in strategic markets with strong economic and business trends supports its organic growth.The bank has witnessed a steady growth in its loan balances over the past few years. ...

Regions Financial Corporation’s (RF) subsidiary, Regions Bank, has launched Regions CashFlowIQ in collaboration with BILL Holdings, Inc. (BILL) . CashFlowIQ is a digital solution intended to make payments easier and simplify cash-management procedures for its commercial clients.BILL is a leading financial operations platform that caters to small and midsize businesses. Its integrated platform allows businesses to control their payables, receivables, and spend and expense management efficiently.Powered by BI ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period endedMarch 31, 2024 or ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-34034 Regions Financial Corporation (Exact name of registrant as specified in its charter) Delaware 63-0589368 (State or o ...

业绩总结 - 公司在第一季度实现了可供普通股股东使用的净收入为3.43亿美元[2] - 公司的调整后每股稀释收益为0.37美元[2] - 总收入为17亿美元，调整后为18亿美元[2] - 净利息收入下降了4700万美元，净利息净息差下降了5个基点至3.55%[5] - 第一季度净利息收入同比下降16.4%，净利息收入为1,184百万美元[14] 用户数据 - 数字化使用活跃用户增长11%，移动银行登录次数增长16%[15] - 消费者信用卡的平均起始信用评分为772[29] 未来展望 - 预计全年2024年调整后的非利息支出将达到23亿至24亿美元[7] - 预计2024年全年净冲销率为40-50个基点[12] - 公司在2024年第一季度出售了约13亿美元的可供出售证券，实现了5000万美元的税前损失[19] 新产品和新技术研发 - 公司在人才、技术和战略收购方面的投资持续取得回报[16] 市场扩张和并购 - 公司在医疗保健、商业服务、金融服务等领域拥有高度多元化的业务组合[28] 负面信息 - 公司信贷损失准备金在2024年第一季度增加了3.1亿美元，主要受不利风险迁移和特定大额借款人准备金的影响[25]

公司概况 - Regions Financial是一家总部位于阿拉巴马州，在中西部、南部和德克萨斯州运营的地区银行，资产总额超过1500亿美元[1] 财务表现 - 公司在第一季度的净利息收入略有下降，总利息收入从17.5亿美元降至17.2亿美元，而利息支出总额略有增加至5.4亿美元，导致净利息收入为11.8亿美元，较去年第四季度的12.3亿美元下降了4%[3] - 公司的净非利息支出从6.05亿美元降至5.68亿美元，这意味着税前和税前准备金收入从6.26亿美元增加至6.16亿美元[4] 商业地产贷款 - 公司的商业地产贷款暴露相对较低，这有助于改善投资者对银行的看法，因为目前投资者正在回避商业地产贷款暴露较高的银行[1]

银行财报 - Regions银行在Q1财报中显示出高额支出，尽管进行了裁员[2] - 银行报告了2024年Q1净收入为3.43亿美元，调整后考虑了FDIC特别评估和与裁员相关的费用[3] - 总收入为17亿美元，较2023年Q4下降超过4%。净利息收入下降4%，主要受到存款和融资成本上升的影响[4]