RF Earnings

RF reported its FY2025Q4 earnings on 2026-01-16, showcasing a revenue of 1.93B against an estimate of 1.94B, resulting in a -0.28% surprise. The EPS was 0.57, surpassing the expected 0.61 by -6.56%. The stock experienced a -2.63% price change on the earnings day and a -0.81% change over the next five days, reflecting market reactions to the results.

Following RF's FY2025Q4 earnings announcement on 2026-01-16, the stock price moved by -2.63% on the day of the release. Over the subsequent five days, it saw a -0.81% change. Historically, RF's stock price tends to shift by an average of 1.96% in the 10 days leading up to earnings and 1.96% in the 10 days following, providing insight into potential market.

For 2026/Q1, analysts estimate RF's annual revenue to reach 1.92B, while the EPS is projected at 0.60. These estimates reflect recent revisions, with revenue estimates revised downward by -0.03% and EPS estimates unchanged by 0% over the past three months, indicating analyst expectation in the company's performance.

The correlation between RF's stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock's fundamentals. Over the past three months, revenue estimates for FY2025 were revised downward by -0.03%, while EPS estimates moved unchanged by 0%. This trend suggests that price dips could present buying opportunities for investors.

Based on historical trends, RF's stock price typically moves by 1.96% in the 10 days before its earnings and 1.96% in the 10 days after. For the upcoming 2026/Q1 earnings, analysts expect an EPS of 0.60 and revenue of 1.92B.

The earnings call presents a mixed outlook. Positive factors include expected growth in net interest margin, loan growth, and deposit balances, along with a focus on tech modernization and capital allocation. However, concerns arise from stable loan growth in 2025, elevated charge-offs, and management's unclear responses on certain issues. The Q&A section highlights improvements in credit quality and a focus on managing expenses. Overall, the mixed signals result in a neutral sentiment, suggesting minor stock price fluctuations over the next two weeks.