Sep 2026 (Q3 FY26) — Oct 16, 2026
Regions Financial Corporation Q3 FY26 — Strong Performance and Capital Position
Read the full callRegions Financial (RF) earnings
- Jun 2026
- Sep 2026 (Q3 FY26)
- Dec 2025
Regions Financial earnings: last reported Fri, 16 Oct 2026, for the quarter ended Sep 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 570 | +1.2% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
What management said, and what became of it
11 of 12 judged targets kept · 20 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Allowance for credit losses ratio glide path toward Day-1 CECL level | Approximately 1.62% | Mar 2025 | As a result, the allowance for credit losses ratio declined to 1.63%. | Achieved |
| Full-year adjusted noninterest income growth | 3% to 5% versus 2025 | Dec 2025 | Based on our performance through the first half of the year, we currently expect results to trend toward the lower end of that range. | Diluted |
| Full-year adjusted noninterest expense growth | 1.5% to 3.5% | Dec 2025 | For full year 2026, we continue to expect adjusted noninterest expense to be up between 1.5% and 3.5% and we expect to deliver full year adjusted positive operating leverage. | On Track |
1 of REGIONS FINANCIAL CORP's 32 targets was missed. See which ones, and which are quietly gone. The 3 above are the free sample; 29 more targets are in the full ledger.
Claimed
- Reported earnings of $611 million, with adjusted EPS of $0.73.
- Adjusted return on tangible common equity of 22%.
- Annualized net charge-offs declined 13 basis points to 29 basis points.
- Net interest income increased 2% linked quarter, with NIM up 2 basis points to 3.68%.
- Capital Markets and Treasury Management delivered record revenue, contributing to a 3% increase in adjusted noninterest income.
Qualified
- Wealth Management revenue moderated from record Q2 levels, though still strong year-over-year.
- Consumer loan balances declined modestly due to higher rates and muted housing market activity.
- Deposits decreased modestly due to large commercial customers utilizing off-balance sheet solutions and seasonal public funds outflows.
- Full-year adjusted noninterest income expected to track toward the lower end of the 3% to 5% growth range.
Price
$27.2 −0.91% · −$0.25
Performance +15.4% 1Y
1Y: $23.58 on 17 Oct 2025 → $27.2. High $32.4 (16 Jul 2026), low $23.58 (17 Oct 2025).
- Previous close
- $27.45
- 52-week range
- $24.06 – $32.4
- One year
- +13.05%
Overview
- Symbol
- RF
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Guidance
What management said, and what became of it
11 of 12 judged targets kept · 20 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Allowance for credit losses ratio glide path toward Day-1 CECL level | Approximately 1.62% | Mar 2025 | As a result, the allowance for credit losses ratio declined to 1.63%. | Achieved |
| Full-year adjusted noninterest income growth | 3% to 5% versus 2025 | Dec 2025 | Based on our performance through the first half of the year, we currently expect results to trend toward the lower end of that range. | Diluted |
| Full-year adjusted noninterest expense growth | 1.5% to 3.5% | Dec 2025 | For full year 2026, we continue to expect adjusted noninterest expense to be up between 1.5% and 3.5% and we expect to deliver full year adjusted positive operating leverage. | On Track |
Claimed
- Reported earnings of $611 million, with adjusted EPS of $0.73.
- Adjusted return on tangible common equity of 22%.
- Annualized net charge-offs declined 13 basis points to 29 basis points.
- Net interest income increased 2% linked quarter, with NIM up 2 basis points to 3.68%.
- Capital Markets and Treasury Management delivered record revenue, contributing to a 3% increase in adjusted noninterest income.
Qualified
- Wealth Management revenue moderated from record Q2 levels, though still strong year-over-year.
- Consumer loan balances declined modestly due to higher rates and muted housing market activity.
- Deposits decreased modestly due to large commercial customers utilizing off-balance sheet solutions and seasonal public funds outflows.
- Full-year adjusted noninterest income expected to track toward the lower end of the 3% to 5% growth range.
The full ledger
Open REGIONS FINANCIAL CORP’s full ledger
A free account opens 5 company ledgers a month. All 32 tracked commitments, with each call’s wording and source.
Call summaries
Jun 2026 (Q2 FY26) — Jul 17, 2026
Regions Financial Corporation Q2 FY26 — Strong Loan Growth and Capital Returns
Read the full callMar 2026 (Q1 FY26) — Apr 17, 2026
Regions Financial Q1 FY26 — Strong Earnings and Reaffirmed Full-Year Outlook
Read the full callNews
Latest news
From the news desk, item by item, hours after each call.
Every analysed call
Regions Financial earnings calls (RF)
Financials
What the filings say
Net profit, year on year: +1% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | 608 | 657 | 621 | 706 | 708 | 708 | 714 | 718 |
| Tax rate | 19.4% | 18.7% | 21.1% | 20.3% | 19.6% | 24.6% | 21.7% | 20.6% |
| Net profit | 490 | 534 | 490 | 563 | 569 | 534 | 559 | 570 |
| EPS ($ per share) | 0.49 | — | 0.51 | 0.59 | 0.62 | — | 0.63 | 0.64 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 11 | 10 | 10 | 10 | 10 | 10 | 9 | 9 |
| Reserves | 2,828 | 3,751 | 3,770 | 5,550 | 7,004 | 8,186 | 9,060 | 10,205 |
| Total liabilities | 110,598 | 109,945 | 129,278 | 144,612 | 139,269 | 134,701 | 139,392 | 139,711 |
| Fixed assets | 2,045 | 1,960 | 1,897 | 1,814 | 1,718 | 1,642 | 1,673 | 1,659 |
| Total assets | 125,688 | 126,240 | 147,389 | 162,938 | 155,220 | 152,194 | 157,302 | 158,814 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 2,275 | 2,581 | 2,324 | 3,030 | 3,102 | 2,308 | 1,598 | 2,181 |
| Cash from investing | -3,045 | 509 | -4,853 | -2,865 | -12,941 | -1,607 | -262 | -1,418 |
| Cash from financing | 327 | -2,514 | 16,371 | 11,290 | -8,345 | -5,127 | 2,575 | -568 |
| Net cash flow | -443 | 576 | 13,842 | 11,455 | -18,184 | -4,426 | 3,911 | 195 |
RF operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Net interest margin | 3.67%The net interest margin of 3.67% continues to evidence region's profitability advantage.Source: earnings call transcript | 3.66%The net interest margin of 3.66% continued to evidence our profitability and deposit funding advantage.Source: earnings call transcript | 3.68%Net interest margin increased 2 basis points to 3.68%, reflecting our strong profitability and deposit funding advantage.Source: earnings call transcript | 0 pt |
| Common equity tier 1 ratio (CET1) | 10.7%We ended the quarter with an estimated common equity Tier 1 ratio of 10.7% while executing $401 million in share repurchases and paying $227 million in common dividends.Source: earnings call transcript | 10.7%We ended the quarter with an estimated common equity Tier 1 ratio of 10.7%, while executing $59 million in share repurchases and paying $226 million in common dividends during the quarter.Source: earnings call transcript | 10.8%We ended the quarter with an estimated common equity Tier 1 ratio of 10.8%, while executing $95 million in share repurchases and paying $255 million in common dividends during the quarter.Source: earnings call transcript | +0.1 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
62 filings between Dec 11, 2025 and Sep 10, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$1.23M
3 sales by 3 insiders
Compensation
not trading decisions- 8
- Award — granted as compensation
- 28
- Option exercise — converted options into shares
- 12
- Tax withheld — shares kept back by the company to cover tax
Also filed: 10 dispositions to the issuer, 1 gift.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Ritter William D. | — | $1.04M | Jan 22, 2026 |
| Willman Brian R | — | $195.8K | May 7, 2026 |
| Chadha Anil D | — | $23 | Sep 10, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 10, 2026 | Chadha Anil D Chief Financial Officer | Sale | 1 | $23 |
| Jul 1, 2026 | Santone Angela R. SEVP | Option exercise | 28,411 | $0 |
| Jul 1, 2026 | Santone Angela R. SEVP | Tax withheld | 10,286 | $316.8K |
| May 7, 2026 | Willman Brian R SEVP | Sale | 7,014 | $195.8K |
| May 6, 2026 | Jenkins Roger W. Director | Option exercise | 7,904 | $0 |
| May 6, 2026 | RHODES WILLIAM C III Director | Option exercise | 7,904 | $0 |
| May 6, 2026 | PROKOPANKO JAMES T Director | Option exercise | 63,055 | $0 |
| May 6, 2026 | Davis Noopur Director | Option exercise | 7,904 | $0 |
| May 6, 2026 | JOHNSON JOIA M Director | Option exercise | 7,904 | $0 |
| May 6, 2026 | Golodryga Zhanna Director | Option exercise | 7,904 | $0 |
| Apr 3, 2026 | Turner John M JR Chairman, President and CEO | Disposition to issuer | 14,018 | $371.1K |
| Apr 3, 2026 | Danella Katherine R SEVP | Option exercise | 2,503 | $0 |
| Apr 3, 2026 | Danella Katherine R SEVP | Award | 11,320 | $0 |
| Apr 3, 2026 | Turner John M JR Chairman, President and CEO | Award | 63,393 | $0 |
| Apr 3, 2026 | Keenan David R. SEVP | Tax withheld | 15,294 | $404.8K |
| Apr 3, 2026 | Turner John M JR Chairman, President and CEO | Option exercise | 14,018 | $0 |
| Apr 3, 2026 | Turner John M JR Chairman, President and CEO | Option exercise | 97,527 | $0 |
| Apr 3, 2026 | Keenan David R. SEVP | Disposition to issuer | 3,004 | $79.5K |
| Apr 3, 2026 | Massey Charles Dandridge SEVP | Disposition to issuer | 3,004 | $79.5K |
| Apr 3, 2026 | Massey Charles Dandridge SEVP | Option exercise | 20,899 | $0 |
| Apr 3, 2026 | Massey Charles Dandridge SEVP | Tax withheld | 15,294 | $404.8K |
| Apr 3, 2026 | Keenan David R. SEVP | Award | 13,584 | $0 |
| Apr 3, 2026 | Willman Brian R SEVP | Award | 4,528 | $0 |
| Apr 3, 2026 | Danella Katherine R SEVP | Option exercise | 17,416 | $0 |
| Apr 3, 2026 | Keenan David R. SEVP | Option exercise | 3,004 | $0 |
| Apr 3, 2026 | Danella Katherine R SEVP | Disposition to issuer | 2,503 | $66.3K |
| Apr 3, 2026 | Keenan David R. SEVP | Option exercise | 20,899 | $0 |
| Apr 3, 2026 | Danella Katherine R SEVP | Tax withheld | 12,745 | $337.4K |
| Apr 3, 2026 | Plimpton Tara A SEVP & Chief Legal Officer | Option exercise | 17,416 | $0 |
| Apr 3, 2026 | Plimpton Tara A SEVP & Chief Legal Officer | Option exercise | 2,503 | $0 |
| Apr 3, 2026 | Ritter William D. SEVP | Tax withheld | 8,090 | $214.1K |
| Apr 3, 2026 | Allen Karin K Principal Accounting Officer | Option exercise | 250 | $0 |
| Apr 3, 2026 | Ritter William D. SEVP | Award | 7,924 | $0 |
| Apr 3, 2026 | Allen Karin K Principal Accounting Officer | Option exercise | 1,742 | $0 |
| Apr 3, 2026 | Plimpton Tara A SEVP & Chief Legal Officer | Tax withheld | 12,745 | $337.4K |
| Apr 3, 2026 | Allen Karin K Principal Accounting Officer | Disposition to issuer | 250 | $6.6K |
| Apr 3, 2026 | Allen Karin K Principal Accounting Officer | Award | 1,132 | $0 |
| Apr 3, 2026 | Allen Karin K Principal Accounting Officer | Tax withheld | 1,276 | $33.8K |
| Apr 3, 2026 | Plimpton Tara A SEVP & Chief Legal Officer | Award | 11,320 | $0 |
| Apr 3, 2026 | Massey Charles Dandridge SEVP | Option exercise | 3,004 | $0 |
| Apr 3, 2026 | Plimpton Tara A SEVP & Chief Legal Officer | Disposition to issuer | 2,503 | $66.3K |
| Apr 3, 2026 | Massey Charles Dandridge SEVP | Award | 13,584 | $0 |
| Apr 3, 2026 | Ritter William D. SEVP | Option exercise | 12,191 | $0 |
| Apr 3, 2026 | Willman Brian R SEVP | Option exercise | 6,966 | $0 |
| Apr 3, 2026 | Willman Brian R SEVP | Option exercise | 1,001 | $0 |
| Apr 3, 2026 | Willman Brian R SEVP | Disposition to issuer | 1,001 | $26.5K |
| Apr 3, 2026 | Turner John M JR Chairman, President and CEO | Tax withheld | 71,369 | $1.89M |
| Apr 3, 2026 | Willman Brian R SEVP | Tax withheld | 4,480 | $118.6K |
| Apr 3, 2026 | Chadha Anil D Chief Financial Officer | Option exercise | 3,483 | $0 |
| Apr 3, 2026 | Ritter William D. SEVP | Disposition to issuer | 1,752 | $46.4K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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