AI Earnings Predictions for Regions Financial Corporation (RF)

EX-99.1

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Exhibit 99.1

Regions Reports Earnings of $611 Million and EPS of $0.71 in 3Q 2026

BIRMINGHAM, Ala. - (BUSINESS WIRE) - Oct. 16, 2026 - Regions Financial Corp. (NYSE:RF) today reported third quarter 2026 earnings of $611 million and diluted earnings per share (EPS) of $0.71. On an adjusted basis, earnings(1) were $622 million and diluted EPS(1) was $0.73. On both a reported and adjusted basis(1), earnings increased 11 percent and diluted EPS increased 16 percent compared to the third quarter of 2025.

Financial HighlightsSoundness

Quarter Ended

•Low-cost deposit base continued to deliver peer-leading interest-bearing deposit costs of 1.70% in 3Q26

•Estimated CET1 of 10.8% supported by strong organic capital generation

•Annualized net charge-offs decreased 13 bps QoQ to 29 bps; business services criticized loans and NPLs also decreased QoQ while ACL/NPLs increased to 275%

($ amounts in millions, except per share data)

3Q262Q26

Earnings Summary

Net income$631 $570

Net income available to common shareholders611 549

Adj. net income avail. to common shareholders(1) 622 583

Diluted earnings per common share0.71 0.64

Adj. diluted earnings per common share(1) 0.73 0.68 Profitability

Balance Sheet Summary

•Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 3Q26 NIM of 3.68%

•Proven history of consistently generating best-in-class returns in our peer group; 3Q26 reported ROATCE(1) of 21% and adjusted ROATCE(1) of 22%

•Expenses remained well controlled; supporting self-funding of growth initiatives

Average loans, net of unearned income$99,183 $98,722

Average deposits129,140 130,691

Credit Quality

Allowance for credit losses ratio 1.61 %1.63 %

Net charge-offs / average loans*

0.29 0.42

Selected Ratios

Return on average assets* 1.55 %1.42 %Growth

Return on average common equity* 14.16 12.73

•Net income and diluted EPS each grew 11% QoQ; Adj. net income and adj. diluted EPS each grew 7%(1) QoQ

•3Q26 average loans increased 0.5% while ending loans increased 0.6% QoQ; growth driven primarily by high-quality, broad-based C&I loans

•3Q26 represents a record quarter in Capital Markets income (excl. customer derivative valuation adjustments)

•3Q26 represents another record quarter in Treasury Management income

Return on avg. tangible common equity*(1) 21.27 19.01

Adj. return on avg. tangible common equity*(1) 21.66 20.18

Net interest margin (FTE)* 3.68 3.66

Efficiency ratio56.2 58.3

Adjusted efficiency ratio(1) 55.8 56.9

Common equity Tier 1 ratio(2) 10.8 10.7

Effective Tax Rate 19.8 20.7

*Annualized

(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as Exhibit 99.2 to the company's Current Report on Form 8-K that was furnished to the Securities and Exchange Commission ("SEC") on Oct. 16, 2026. (2) Current quarter is estimated.

CEO Perspective: John Turner, Chairman, President and CEO of Regions Financial Corp.

"At Regions Bank, we're seeing the benefits of the investments we're making in talent, technology and strategic growth. By remaining disciplined in our approach to risk management and staying committed to soundness, profitability, and growth, we are delivering strong results built on solid fundamentals and a competitive strategy. Strong credit quality, continued momentum in fee-based businesses, and economically vibrant markets throughout our footprint all contributed to our third quarter results. As we continue to modernize the franchise and expand our capabilities, Regions Bank is well positioned to meet the evolving needs of our customers and drive more sustainable growth over time."

1

Total revenue

Quarter Ended

($ amounts in millions)9/30/20266/30/20269/30/20253Q26 vs. 2Q263Q26 vs. 3Q25

Net interest income$1,298 $1,277 $1,257 $21 1.6 %$41 3.3 %

Taxable equivalent adjustment16 14 12 2 14.3 %4 33.3 %

Net interest income, taxable equivalent basis$1,314 $1,291 $1,269 $23 1.8 %$45 3.5 %

Net interest margin (FTE)* 3.68 %3.66 %3.59 %

Non-interest income:

Service charges on deposit accounts$171 $167 $160 $4 2.4 %$11 6.9 %

Card and ATM fees126 126 122 — — %4 3.3 %

Wealth management income146 150 139 (4)(2.7)%7 5.0 %

Capital markets income107 84 104 23 27.4 %3 2.9 %

Mortgage income32 33 38 (1)(3.0)%(6)(15.8)%

Commercial credit fee income35 28 28 7 25.0 %7 25.0 %

BOLI income32 24 25 8 33.3 %7 28.0 %

Market value adjustments on employee benefit assets** (4)24 12 (28)(116.7)%(16)(133.3)%

Securities gains (losses), net(15)(41)(27)26 63.4 %12 44.4 %

Other miscellaneous income45 35 58 10 28.6 %(13)(22.4)%

Non-interest income$675 $630 $659 $45 7.1 %$16 2.4 %

Adjusted non-interest income (non-GAAP)(1)

$690 $670 $684 $20 3.0 %$6 0.9 %

Total revenue$1,973 $1,907 $1,916 $66 3.5 %$57 3.0 %

Adjusted total revenue (non-GAAP)(1) $1,988 $1,947 $1,941 $41 2.1 %$47 2.4 %

NM - Not Meaningful

* Annualized

** Th

EX-99.1

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Exhibit 99.1

Regions Reports Earnings of $549 Million and EPS of $0.64 in 2Q 2026

BIRMINGHAM, Ala. - (BUSINESS WIRE) - July 17, 2026 - Regions Financial Corp. (NYSE:RF) today reported second quarter 2026 earnings of $549 million and diluted EPS of $0.64. On an adjusted basis, earnings(1) were $583 million, with diluted EPS(1) of $0.68. Total revenue remained relatively stable while diluted EPS increased 8 percent compared to second quarter of 2025. Adjusted total revenue(1) increased 2 percent, and adjusted diluted EPS(1) increased 13 percent compared to second quarter of 2025.

Financial HighlightsSoundness

Quarter Ended

•Low-cost deposit base continued to deliver peer-leading interest-bearing deposit costs of 1.69% in 2Q26

•Robust capital with CET1 of 10.7% (9.5% inclusive of AOCI(1)) supported by strong organic capital generation

•Annualized net charge-offs decreased 12 bps QoQ to 42 bps; business services criticized loans and NPLs also decreased QoQ while ACL/NPLs increased to 241%

($ amounts in millions, except per share data)

2Q261Q26

Earnings Summary

Net income$570 $559

Net income available to common shareholders549 539

Adj. net income avail. to common shareholders(1) 583 539

Diluted earnings per common share0.64 0.62

Adj. diluted earnings per common share(1) 0.68 0.62 Profitability

Balance Sheet Summary

•Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 2Q26 NIM of 3.66%

•Regions continues to generate top-quartile returns vs its peer group; 2Q26 reported ROATCE of 19% and adjusted ROATCE(1) of 20%

•Expenses remained well-controlled; supporting self-funding of growth initiatives

Average loans, net of unearned income$98,722 $96,423

Average deposits130,691 130,234

Credit Quality

Allowance for credit losses ratio 1.63 %1.68 %

Net charge-offs / average loans*

0.42 0.54

Selected Ratios

Return on average assets* 1.42 %1.42 %Growth

Return on average common equity* 12.73 12.35

•Net income grew 2% and diluted EPS 3% QoQ; Adj. net income grew 8% and adj. diluted EPS 10%(1)

•2Q26 average loans increased 2% while ending loans increased 1% vs 1Q26; growth driven primarily by high-quality, broad-based C&I loans

•2Q26 reflects another record quarter of Wealth Management income (5th in the last 6 quarters)

•Expanding municipal finance expertise and long-term growth opportunities within capital markets through the 7/1/2026 acquisition of The Frazer Lanier Company

Return on avg. tangible common equity*(1) 19.01 18.26

Adj. return on avg. tangible common equity*(1) 20.18 18.26

Net interest margin (FTE)* 3.66 3.67

Efficiency ratio58.3 56.6

Adjusted efficiency ratio(1) 56.9 56.6

Common equity Tier 1 ratio(2) 10.7 10.7

Common equity Tier 1 ratio (incl. AOCI)(1)(2) 9.5 9.4

Effective Tax Rate 20.7 21.6

*Annualized

(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as Exhibit 99.2 to the company's Current Report on Form 8-K that was furnished to the Securities and Exchange Commission ("SEC") on Jul. 17, 2026. (2) Current quarter is estimated.

John Turner, Chairman, President and CEO of Regions Financial Corp.

"Strategic execution and solid delivery define our results for the second quarter. And, together, they're giving Regions clear momentum going into the second half of the year. As our markets grow, Regions Bank is focused on leveraging every opportunity to illustrate the Regions difference to more consumers, businesses, Wealth Management clients, and homeowners. We have a solid value proposition. We know the needs and opportunities in our markets based on the depth of our local experience. And we have not only the historical commitment, but also the forward-leaning investments in technology and innovation that we believe position us to compete and grow effectively. The foundation for our growth - including focusing on what we can control, operating to the highest standards, and keeping the customer first - hasn't changed. As we expand our capabilities and grow our talented group of bankers, that foundation is stronger than ever before and will serve us well in the years to come."

1

Total revenue

Quarter Ended

($ amounts in millions)6/30/20263/31/20266/30/20252Q26 vs. 1Q262Q26 vs. 2Q25

Net interest income$1,277 $1,248 $1,259 $29 2.3 %$18 1.4 %

Taxable equivalent adjustment14 13 12 1 7.7 %2 16.7 %

Net interest income, taxable equivalent basis$1,291 $1,261 $1,271 $30 2.4 %$20 1.6 %

Net interest margin (FTE)* 3.66 %3.67 %3.65 %

Non-interest income:

Service charges on deposit accounts$167 $163 $151 $4 2.5 %$16 10.6 %

Card and ATM fees126 117 125 9 7.7 %1 0.8 %

Wealth management income150 141 133 9 6.4 %17 12.8 %

Capital markets income84 84 83 — — %1 1.2 %

Mortgage income33 32 48 1 3.1 %(15)(31.3)%

Commercial credit fee income28 30 29 (2)(6.7)%(1)(3.4)%

BOLI income24 30 24 (6)(20.0)%— — %

Market va

EX-99.1

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Exhibit 99.1

Regions Reports earnings of $539 million and EPS of $0.62 in 1Q 2026

$1.9 billion in total revenue reflects 5 percent year-over-year growth.

BIRMINGHAM, Ala. - (BUSINESS WIRE) - April 17, 2026 - Regions Financial Corp. (NYSE:RF) today reported first quarter 2026 earnings of $539 million and diluted EPS of $0.62. Total revenue increased 5 percent, and pre-tax pre-provision income(1) increased 8 percent compared to first quarter of 2025. Adjusted total revenue(1) increased 4 percent, and adjusted pre-tax pre-provision income(1) increased 4 percent compared to first quarter of 2025.

Financial HighlightsSoundness

Quarter Ended

•Low-cost deposit base continued to deliver peer-leading interest-bearing deposit costs of 1.72% in 1Q26

•Robust capital with CET1 of 10.6% (9.4% inclusive of AOCI(1)) supported by strong organic capital generation

•Business services criticized loans as a percent of business loans decreased 16 bps to 5.15% while NPLs to total loans decreased 2 bps to 0.71%; ACL/NPLs remains solid at 238%

($ amounts in millions, except per share data)

1Q264Q25

Earnings Summary

Net income$559 $534

Net income available to common shareholders539 514

Adj. net income avail. to common shareholders(1) 539 504

Diluted earnings per common share0.62 0.58

Adj. diluted earnings per common share(1) 0.62 0.57 Profitability

Balance Sheet Summary

•Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 1Q26 NIM of 3.67%

•Regions has consistently generated top-quartile returns vs its peer group; 1Q26 ROATCE of 18.26%

•Expenses remain well-controlled; supports self-funding of growth initiatives

Average loans$96,423 $95,651

Average deposits130,234 129,850

Credit Quality

Allowance for credit losses ratio 1.68 %1.76 %

Net charge-offs / average loans*

0.54 0.59

Selected Ratios

Return on average assets* 1.42 %1.34 %Growth

Return on average common equity* 12.35 11.58

•Net income grew 16% and diluted EPS 22% YoY; Adj. net income grew 11% and diluted EPS 15%(1)

•1Q26 average loans increased 1% while ending loans increased 2% vs 4Q25; growth driven primarily by high-quality broad-based C&I loans

•1Q26 reflects a record quarter of Treasury Management fees

•Significant progress in hiring and reskilling of bankers to support growth initiatives throughout the company's priority markets

Return on avg. tangible common equity*(1) 18.26 17.17

Adj. return on avg. tangible common equity*(1) 18.26 16.84

Net interest margin (FTE)* 3.67 3.70

Efficiency ratio56.6 56.8

Adjusted efficiency ratio(1) 56.6 57.5

Common equity Tier 1 ratio(2) 10.7 10.9

Common equity Tier 1 ratio (incl. AOCI)(1)(2) 9.4 9.7

Effective Tax Rate 21.6 24.5

*Annualized

(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as Exhibit 99.2 to the company's Current Report on Form 8-K that was furnished to the SEC on Apr. 17, 2026. (2) Current quarter is estimated.

John Turner, Chairman, President and CEO of Regions Financial Corp.

"Our results reflect the strength of our franchise, the continued momentum of our markets, and our consistent focus on solid execution amid an evolving macroeconomic backdrop. Growth in loans and deposits accelerated during the first quarter, credit metrics continued to improve, and client sentiment remained generally optimistic across our footprint. At the same time, we are making meaningful progress on our core transformation, including key technology and AI investments that are enhancing efficiency and the customer experience, while remaining attentive to near‑term growth drivers. Together, these actions support our confidence to deliver on our strategic priorities throughout the year."

1

Total revenue

Quarter Ended

($ amounts in millions)3/31/202612/31/20253/31/20251Q26 vs. 4Q251Q26 vs. 1Q25

Net interest income$1,248 $1,281 $1,194 $(33)(2.6)%$54 4.5 %

Taxable equivalent adjustment13 13 12 — — %1 8.3 %

Net interest income, taxable equivalent basis$1,261 $1,294 $1,206 $(33)(2.6)%$55 4.6 %

Net interest margin (FTE)* 3.67 %3.70 %3.52 %

Non-interest income:

Service charges on deposit accounts$163 $163 $161 $— — %$2 1.2 %

Card and ATM fees117 123 117 (6)(4.9)%— — %

Wealth management income141 143 129 (2)(1.4)%12 9.3 %

Capital markets income84 80 80 4 5.0 %4 5.0 %

Mortgage income32 32 40 — — %(8)(20.0)%

Commercial credit fee income30 30 27 — — %3 11.1 %

Bank-owned life insurance30 23 23 7 30.4 %7 30.4 %

Market value adjustments on employee benefit assets**

(5)(5)(3)— NM(2)66.7 %

Securities gains (losses), net(3)— (25)(3)NM22 88.0 %

Other miscellaneous income36 51 41 (15)(29.4)%(5)(12.2)%

Non-interest income$625 $640 $590 $(15)(2.3)%$35 5.9 %

Adjusted non-interest income (non-GAAP)(1)

$625 $640 $615 $(15)(2.3)%$10 1.6 %

Total revenue$1,873 $1,921 $1,784 $(48)(2.5)%$89 5.0 %

Adjusted total revenue (non-GAAP)(1) $1,873 $1