Q3: 2025-10-17 Earnings Abstract
EPS of $0.63 beats by $0.03
| Income of $1.93B (6.99% Y/Y) misses by $6.06M
Areas Monetary Company (NYSE:RF) Q3 2025 Earnings Name October 17, 2025 10:00 AM EDT
Firm Members
Dana Nolan – EVP & Head of Investor Relations
John Turner – President, CEO & Chairman
David Turner – Senior EVP & CFO
Convention Name Members
Kenneth Usdin – Bernstein Autonomous LLP
Robert Siefers – Piper Sandler & Co., Analysis Division
Steven Alexopoulos – TD Cowen, Analysis Division
John Pancari – Evercore ISI Institutional Equities, Analysis Division
David Rochester – Cantor Fitzgerald & Co., Analysis Division
Gerard Cassidy – RBC Capital Markets, Analysis Division
Ebrahim Poonawala – BofA Securities, Analysis Division
Christopher McGratty – Keefe, Bruyette, & Woods, Inc., Analysis Division
Betsy Graseck – Morgan Stanley, Analysis Division
Christopher Spahr – Wells Fargo Securities, LLC, Analysis Division
Presentation
Operator
Good morning, and welcome to the Areas Monetary Company’s quarterly earnings name. My identify is Chris, and I will probably be your operator for right this moment’s name. [Operator Instructions]
I’ll now flip the decision over to Dana Nolan to start.
Dana Nolan
EVP & Head of Investor Relations
Thanks, Chris. Welcome to Areas’ Third Quarter earnings name. John and David will present high-level commentary concerning our outcomes. Earnings paperwork, which embrace our forward-looking assertion disclaimer and non-GAAP reconciliations can be found within the Investor Relations part of our web site. These disclosures cowl our presentation supplies, right this moment’s ready remarks and Q&A.
I’ll now flip the decision over to John.
John Turner
President, CEO & Chairman
Thanks, Dana, and good morning, everybody. We recognize you becoming a member of our name right this moment. Earlier this morning, we reported robust quarterly earnings of $548 million, leading to earnings per share of $0.61. On an adjusted foundation, earnings had been $561 million or $0.63 per share. We delivered adjusted pretax pre-provision earnings of $830 million, a 4% improve year-over-year, and we generated a powerful return on tangible widespread fairness of 19%.
We
