Regions Financial Corporation reported a solid Q4 2024 despite a cautious rate environment. Revenue reached $2.387 billion, delivering a gross margin of approximately 71.0% and an operating margin of about 27.5%, supporting an after-tax net income of $534 million and diluted earnings per share (EPS) of $0.56. On a year-over-year basis, net income rose ~36.6% and EPS advanced ~43.6%, while revenue grew ~4.0% year over year. The stronger profitability metrics were accompanied by a robust balance sheet and liquidity position, with total assets of $157.3 billion and substantial liquid assets (cash and short-term investments) totaling roughly $34.2 billion at quarter end. Cash flows presented a mixed picture: operating cash flow was negative at approximately $220 million largely due to working capital movements, while free cash flow remained negative at about $229 million, reflecting the episodic nature of balance sheet timing and investment activity.