Subtext

Regions Financial Corporation RF

SectorFinancials
Transcripts71
Date range2007-07-17 – 2025-04-17
Calls charted70

Sentiment timeline

Net Loughran-McDonald sentiment per call (×1000), earliest → latest.

-15-8+0+8+152007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q4 · Overall: -4.32008 Q1 · Overall: -5.82008 Q2 · Overall: -7.02008 Q3 · Overall: -8.62008 Q4 · Overall: -12.32009 Q1 · Overall: -7.32009 Q2 · Overall: -6.42009 Q3 · Overall: -1.22009 Q4 · Overall: +6.52010 Q1 · Overall: +3.62010 Q2 · Overall: +3.92010 Q3 · Overall: -6.82010 Q4 · Overall: +3.32011 Q1 · Overall: -3.72011 Q2 · Overall: -0.92011 Q3 · Overall: -2.42011 Q4 · Overall: -4.32012 Q1 · Overall: +5.42012 Q2 · Overall: +2.72012 Q3 · Overall: +5.22012 Q4 · Overall: +6.72013 Q1 · Overall: +6.32013 Q2 · Overall: +4.32013 Q3 · Overall: +4.32013 Q4 · Overall: +3.72014 Q1 · Overall: +9.12014 Q2 · Overall: +6.32014 Q3 · Overall: +7.02014 Q4 · Overall: +3.32015 Q1 · Overall: +2.32015 Q2 · Overall: +5.42015 Q3 · Overall: +0.82015 Q4 · Overall: -2.42016 Q1 · Overall: +3.42016 Q2 · Overall: +0.22016 Q3 · Overall: +5.22016 Q4 · Overall: +9.52017 Q1 · Overall: +7.02017 Q2 · Overall: +5.72017 Q3 · Overall: +6.12017 Q4 · Overall: +12.82018 Q1 · Overall: +11.32018 Q2 · Overall: +9.62018 Q3 · Overall: +10.52018 Q4 · Overall: +7.42019 Q1 · Overall: +2.32019 Q2 · Overall: +5.32019 Q3 · Overall: +2.12019 Q4 · Overall: +4.72020 Q1 · Overall: -7.82020 Q2 · Overall: -3.02020 Q3 · Overall: +3.22020 Q4 · Overall: +10.42021 Q1 · Overall: +9.42021 Q2 · Overall: +13.42021 Q3 · Overall: +11.72021 Q4 · Overall: +7.72022 Q1 · Overall: +3.22022 Q2 · Overall: +5.52022 Q3 · Overall: -1.22022 Q4 · Overall: +3.72023 Q1 · Overall: -0.22023 Q2 · Overall: +3.02023 Q3 · Overall: -6.02023 Q4 · Overall: +0.62024 Q1 · Overall: -5.02024 Q2 · Overall: +6.42024 Q3 · Overall: +8.52024 Q4 · Overall: +9.92025 Q1 · Overall: +2.8
Overall

CEO vs CFO

Average sentiment of each executive's remarks per call. Divergence is a signal.

-30-15+0+15+302007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q4 · CEO: +4.82008 Q1 · CEO: +5.62008 Q2 · CEO: -0.52008 Q3 · CEO: +0.02008 Q4 · CEO: -12.72009 Q1 · CEO: -1.62009 Q2 · CEO: +1.32009 Q3 · CEO: +6.52009 Q4 · CEO: +11.72010 Q1 · CEO: +13.22010 Q2 · CEO: +4.72010 Q3 · CEO: -8.72010 Q4 · CEO: +18.72011 Q1 · CEO: +8.62011 Q2 · CEO: +11.32011 Q3 · CEO: +9.42011 Q4 · CEO: +8.22012 Q1 · CEO: +20.42012 Q2 · CEO: +15.12012 Q3 · CEO: +20.32012 Q4 · CEO: +21.72013 Q1 · CEO: +17.62013 Q2 · CEO: +17.02013 Q3 · CEO: +14.52013 Q4 · CEO: +22.82014 Q1 · CEO: +19.42014 Q2 · CEO: +21.92014 Q3 · CEO: +22.92014 Q4 · CEO: +11.32015 Q1 · CEO: +7.92015 Q2 · CEO: +16.32015 Q4 · CEO: +9.02016 Q1 · CEO: +19.32016 Q2 · CEO: +11.12016 Q3 · CEO: +18.52016 Q4 · CEO: +19.62017 Q1 · CEO: +24.52017 Q2 · CEO: +16.82017 Q3 · CEO: +14.02017 Q4 · CEO: +26.22018 Q1 · CEO: +21.12018 Q2 · CEO: +22.32018 Q3 · CEO: +17.02007 Q4 · CFO: -5.42008 Q1 · CFO: -4.92008 Q2 · CFO: -7.02008 Q3 · CFO: -14.12008 Q4 · CFO: -10.92009 Q1 · CFO: -6.82009 Q2 · CFO: -4.82009 Q3 · CFO: +7.02009 Q4 · CFO: +8.62010 Q1 · CFO: +11.12010 Q2 · CFO: +7.32010 Q3 · CFO: +1.92010 Q4 · CFO: -3.62011 Q1 · CFO: -7.82011 Q2 · CFO: -1.22011 Q3 · CFO: -6.92011 Q4 · CFO: -11.52012 Q1 · CFO: +2.22012 Q2 · CFO: +2.72012 Q3 · CFO: +3.52012 Q4 · CFO: +2.72013 Q1 · CFO: +3.92013 Q2 · CFO: +2.52013 Q3 · CFO: +3.52013 Q4 · CFO: -0.22014 Q1 · CFO: +3.42014 Q2 · CFO: +0.92014 Q3 · CFO: -0.62014 Q4 · CFO: +3.42015 Q1 · CFO: +1.32015 Q2 · CFO: +5.62015 Q4 · CFO: +1.82016 Q1 · CFO: +4.62016 Q2 · CFO: +2.32016 Q3 · CFO: +2.52016 Q4 · CFO: +4.92017 Q1 · CFO: +5.72017 Q2 · CFO: +3.32017 Q3 · CFO: +5.92017 Q4 · CFO: +6.22018 Q1 · CFO: +1.42018 Q2 · CFO: +7.32018 Q3 · CFO: +14.6
CEOCFO

Prepared remarks vs Q&A

Scripted tone vs unscripted answers. The gap is information.

-24-12+0+12+242007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q4 · Prepared remarks: +0.92008 Q1 · Prepared remarks: -0.42008 Q2 · Prepared remarks: -4.42008 Q3 · Prepared remarks: -12.62008 Q4 · Prepared remarks: -13.12009 Q1 · Prepared remarks: -2.92009 Q2 · Prepared remarks: +3.82009 Q3 · Prepared remarks: +8.02009 Q4 · Prepared remarks: +14.12010 Q1 · Prepared remarks: +1.12010 Q2 · Prepared remarks: +2.62010 Q3 · Prepared remarks: -5.22010 Q4 · Prepared remarks: +4.12011 Q1 · Prepared remarks: -1.32011 Q2 · Prepared remarks: +3.12011 Q3 · Prepared remarks: +4.82011 Q4 · Prepared remarks: -1.32012 Q1 · Prepared remarks: +11.62012 Q2 · Prepared remarks: +15.02012 Q3 · Prepared remarks: +12.82012 Q4 · Prepared remarks: +12.82013 Q1 · Prepared remarks: +5.02013 Q2 · Prepared remarks: +11.22013 Q3 · Prepared remarks: +4.02013 Q4 · Prepared remarks: +2.12014 Q1 · Prepared remarks: +5.32014 Q2 · Prepared remarks: +7.82014 Q3 · Prepared remarks: +2.52014 Q4 · Prepared remarks: +7.82015 Q1 · Prepared remarks: -0.82015 Q2 · Prepared remarks: +6.82015 Q3 · Prepared remarks: +0.92015 Q4 · Prepared remarks: +8.92016 Q1 · Prepared remarks: +4.42016 Q2 · Prepared remarks: +1.92016 Q3 · Prepared remarks: +5.52016 Q4 · Prepared remarks: +4.92017 Q1 · Prepared remarks: +5.32017 Q2 · Prepared remarks: +4.22017 Q3 · Prepared remarks: +2.32017 Q4 · Prepared remarks: +10.92018 Q1 · Prepared remarks: +5.92018 Q2 · Prepared remarks: +15.62018 Q3 · Prepared remarks: +14.82018 Q4 · Prepared remarks: +12.22019 Q1 · Prepared remarks: +4.02019 Q2 · Prepared remarks: +8.02019 Q3 · Prepared remarks: +11.02019 Q4 · Prepared remarks: +18.12020 Q1 · Prepared remarks: -8.22020 Q2 · Prepared remarks: -4.92020 Q3 · Prepared remarks: +10.92020 Q4 · Prepared remarks: +20.62021 Q1 · Prepared remarks: +11.12021 Q2 · Prepared remarks: +14.72021 Q3 · Prepared remarks: +19.62021 Q4 · Prepared remarks: +13.72022 Q1 · Prepared remarks: +14.82022 Q2 · Prepared remarks: +10.32022 Q3 · Prepared remarks: +1.52022 Q4 · Prepared remarks: +10.82023 Q1 · Prepared remarks: +1.02023 Q2 · Prepared remarks: +2.72023 Q3 · Prepared remarks: -10.72023 Q4 · Prepared remarks: -3.72024 Q1 · Prepared remarks: -11.12024 Q2 · Prepared remarks: +10.72024 Q3 · Prepared remarks: +10.02024 Q4 · Prepared remarks: +17.02025 Q1 · Prepared remarks: +9.12007 Q4 · Q&A responses: -6.72008 Q1 · Q&A responses: -2.72008 Q2 · Q&A responses: -4.22008 Q3 · Q&A responses: -4.02008 Q4 · Q&A responses: -7.62009 Q1 · Q&A responses: -7.02009 Q2 · Q&A responses: -13.02009 Q3 · Q&A responses: -4.72009 Q4 · Q&A responses: +1.12010 Q1 · Q&A responses: +10.42010 Q2 · Q&A responses: +10.42010 Q3 · Q&A responses: -6.32010 Q4 · Q&A responses: +10.22011 Q1 · Q&A responses: -1.92011 Q2 · Q&A responses: +1.52011 Q3 · Q&A responses: -5.12011 Q4 · Q&A responses: -2.32012 Q1 · Q&A responses: +6.22012 Q2 · Q&A responses: +0.62012 Q3 · Q&A responses: +6.62012 Q4 · Q&A responses: +7.12013 Q1 · Q&A responses: +8.42013 Q2 · Q&A responses: +5.72013 Q3 · Q&A responses: +6.82013 Q4 · Q&A responses: +8.52014 Q1 · Q&A responses: +12.72014 Q2 · Q&A responses: +8.32014 Q3 · Q&A responses: +12.82014 Q4 · Q&A responses: +6.32015 Q1 · Q&A responses: +4.62015 Q2 · Q&A responses: +9.42015 Q3 · Q&A responses: +7.22015 Q4 · Q&A responses: -3.82016 Q1 · Q&A responses: +8.72016 Q2 · Q&A responses: +6.22016 Q3 · Q&A responses: +9.02016 Q4 · Q&A responses: +14.12017 Q1 · Q&A responses: +11.32017 Q2 · Q&A responses: +9.22017 Q3 · Q&A responses: +13.62017 Q4 · Q&A responses: +17.02018 Q1 · Q&A responses: +16.92018 Q2 · Q&A responses: +13.12018 Q3 · Q&A responses: +15.02018 Q4 · Q&A responses: +12.92019 Q1 · Q&A responses: +3.22019 Q2 · Q&A responses: +6.52019 Q3 · Q&A responses: +2.42019 Q4 · Q&A responses: +1.52020 Q1 · Q&A responses: -2.82020 Q2 · Q&A responses: -1.02020 Q3 · Q&A responses: +5.22020 Q4 · Q&A responses: +8.12021 Q1 · Q&A responses: +11.42021 Q2 · Q&A responses: +15.82021 Q3 · Q&A responses: +12.02021 Q4 · Q&A responses: +8.12022 Q1 · Q&A responses: +2.42022 Q2 · Q&A responses: +7.22022 Q3 · Q&A responses: +2.22022 Q4 · Q&A responses: +5.62023 Q1 · Q&A responses: +2.52023 Q2 · Q&A responses: +5.22023 Q3 · Q&A responses: +0.22023 Q4 · Q&A responses: +5.92024 Q1 · Q&A responses: -1.22024 Q2 · Q&A responses: +8.42024 Q3 · Q&A responses: +14.22024 Q4 · Q&A responses: +10.52025 Q1 · Q&A responses: +6.1
Prepared remarksQ&A responses

Tone vs forward expectations

Management tone next to Wall Street's forward-looking numbers (glopardo): the 12-month forward EPS estimate and the forward P/E per call.

Forward EPS estimate

$0.69$1.69$2.682007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32014 Q1: $0.882014 Q2: $0.892014 Q3: $0.882014 Q4: $0.862015 Q1: $0.832015 Q2: $0.842015 Q3: $0.852015 Q4: $0.852016 Q1: $0.852016 Q2: $0.892016 Q3: $0.882016 Q4: $0.962017 Q1: $1.012017 Q2: $1.042017 Q3: $1.102017 Q4: $1.142018 Q1: $1.382018 Q2: $1.472018 Q3: $1.542018 Q4: $1.582019 Q1: $1.622019 Q2: $1.622019 Q3: $1.612019 Q4: $1.622020 Q1: $1.592020 Q2: $0.972020 Q3: $1.042020 Q4: $1.432021 Q1: $1.862021 Q2: $2.062021 Q3: $2.102021 Q4: $2.062022 Q1: $2.122022 Q2: $2.322022 Q3: $2.422022 Q4: $2.512023 Q1: $2.542023 Q2: $2.312023 Q3: $2.272023 Q4: $1.972024 Q1: $2.022024 Q2: $2.062024 Q3: $2.152024 Q4: $2.26

Forward P/E

3.799.8015.812007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32014 Q1: 12.672014 Q2: 12.122014 Q3: 11.802014 Q4: 11.882015 Q1: 11.672015 Q2: 12.362015 Q3: 11.232015 Q4: 11.692016 Q1: 9.382016 Q2: 10.282016 Q3: 10.792016 Q4: 14.942017 Q1: 14.852017 Q2: 13.882017 Q3: 12.522017 Q4: 14.982018 Q1: 14.082018 Q2: 12.892018 Q3: 12.422018 Q4: 8.132019 Q1: 9.762019 Q2: 8.992019 Q3: 10.142019 Q4: 10.702020 Q1: 4.622020 Q2: 12.742020 Q3: 11.652020 Q4: 10.912021 Q1: 11.412021 Q2: 10.412021 Q3: 9.452021 Q4: 10.622022 Q1: 11.092022 Q2: 8.352022 Q3: 9.152022 Q4: 8.412023 Q1: 6.942023 Q2: 7.802023 Q3: 7.872023 Q4: 9.192024 Q1: 9.582024 Q2: 9.242024 Q3: 10.542024 Q4: 10.31

Divergence watch ⚑

Quarters where tone and the forward EPS estimate moved opposite ways.

  • 2014 Q2 tone ↓ -2.8 fwd EPS ↑ +0.01 Tone cooled even as the forward EPS estimate rose.
  • 2016 Q2 tone ↓ -3.2 fwd EPS ↑ +0.03 Tone cooled even as the forward EPS estimate rose.
  • 2017 Q1 tone ↓ -2.5 fwd EPS ↑ +0.05 Tone cooled even as the forward EPS estimate rose.
  • 2018 Q4 tone ↓ -3.1 fwd EPS ↑ +0.04 Tone cooled even as the forward EPS estimate rose.
  • 2019 Q1 tone ↓ -5.1 fwd EPS ↑ +0.04 Tone cooled even as the forward EPS estimate rose.
  • 2020 Q2 tone ↑ +4.7 fwd EPS ↓ -0.62 Tone rose while the forward EPS estimate was cut.
  • 2022 Q1 tone ↓ -4.6 fwd EPS ↑ +0.06 Tone cooled even as the forward EPS estimate rose.
  • 2022 Q3 tone ↓ -6.7 fwd EPS ↑ +0.10 Tone cooled even as the forward EPS estimate rose.
  • 2023 Q1 tone ↓ -4.0 fwd EPS ↑ +0.03 Tone cooled even as the forward EPS estimate rose.
  • 2023 Q2 tone ↑ +3.3 fwd EPS ↓ -0.23 Tone rose while the forward EPS estimate was cut.
  • 2023 Q4 tone ↑ +6.6 fwd EPS ↓ -0.30 Tone rose while the forward EPS estimate was cut.
  • 2024 Q1 tone ↓ -5.6 fwd EPS ↑ +0.05 Tone cooled even as the forward EPS estimate rose.

Recent transcripts

CallDateSentiment ×1000Fwd EPSFwd P/E
2025 Q12025-04-17+2.8——View →
2024 Q42025-01-17+9.9$2.2610.3View →
2024 Q32024-10-18+8.5$2.1510.5View →
2024 Q22024-07-19+6.4$2.069.2View →
2024 Q12024-04-19-5.0$2.029.6View →
2023 Q42024-01-19+0.6$1.979.2View →
2023 Q32023-10-20-6.0$2.277.9View →
2023 Q22023-07-21+3.0$2.317.8View →