Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+0.06%
$31.67
0% positive prob.
5-Day Prediction
-1.66%
$31.12
0% positive prob.
20-Day Prediction
+0.35%
$31.76
0% positive prob.
SEC 8-K filings with transcript text
Jul 17, 2026 · 100% conf.
1D
+0.06%
$31.67
Act: -1.71%
5D
-1.66%
$31.12
Act: -2.50%
20D
+0.35%
$31.76
2 rf-2026630xexhibit991.htm
Document
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)
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
Apr 17, 2026
2 rf-2026331xexhibit991.htm
Document
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)
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**
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
Jan 16, 2026
2 rf-20251231xexhibit991.htm
Document
Exhibit 99.1
Regions Reports Strong Earnings Growth in 2025,
New Annual Records in Wealth Management and Treasury Management Income
$1.9 billion in total revenue reflects 6 percent year-over-year growth.
BIRMINGHAM, Ala. - (BUSINESS WIRE) - Jan. 16, 2026 - Regions Financial Corp. (NYSE:RF) today reported fourth quarter 2025 earnings of $514 million and diluted EPS of $0.58. For the full-year 2025, earnings were $2.1 billion and diluted EPS was $2.30. Adjusted full-year earnings were $2.1 billion, a 7 percent increase year-over-year, and adjusted EPS was $2.33, up 9 percent year-over-year.
Financial HighlightsSoundness
Quarter EndedYear Ended
•Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25
•Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI(1)) supported by strong organic capital generation
•Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%
($ amounts in millions, except per share data)
Earnings Summary
Net income$534 $569 $2,156 $1,893
Net income available to common shareholders514 548 2,061 1,774
Adj. net income avail. to common shareholders(1) 504 561 2,090 1,952
Diluted earnings per common share0.58 0.61 2.30 1.93
Adj. diluted earnings per common share(1) 0.57 0.63 2.33 2.13 Profitability
Balance Sheet Summary
•Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%
•Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group
•Expenses remain well-controlled; supports self-funding of growth initiatives
Average loans$95,651 $96,647 $96,124 $97,036
Average deposits129,850 129,575 129,146 126,615
Credit Quality
Allowance for credit losses ratio 1.76 %%1.78 %%1.76 %%1.78 %%
Net charge-offs / average loans*
0.59 0.55 0.53 0.47
Selected Ratios
Return on average assets* 1.34 %%1.42 %%1.36 %%1.23 %%Growth
Return on average common equity* 11.58 12.56 12.09 11.24
•Continuing to grow accounts across consumer checking, small business and wealth management
•2025 represents another annual record for Wealth Management and Treasury Management income; 2nd highest year for Capital Markets income
•Significant progress in hiring and reskilling of bankers to support growth initiatives
Return on avg. tangible common equity*(1) 17.17 18.81 18.25 17.77
Adj. return on avg. tangible common equity*(1) 16.84 19.24 18.51 19.55
Net interest margin (FTE)* 3.70 3.59 3.61 3.54
Efficiency ratio56.8 57.2 56.9 59.5
Adjusted efficiency ratio(1) 57.5 56.9 56.8 57.6
Common equity Tier 1 ratio(2) 10.8 10.9 10.8 10.9
Common equity Tier 1 ratio (incl. AOCI)(1)(2) 9.6 9.6 9.6 9.6
Effective Tax Rate 24.5 19.7 21.4 19.6
*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 SEC on Jan. 16, 2026.(2) Current quarter is estimated
John Turner, Chairman, President and CEO of Regions Financial Corp.
While operating in a competitive environment, and in many of the strongest markets in the country, our teams delivered solid growth in 2025 by attracting more clients across our lines of business and generating record-breaking results in Wealth Management and Treasury Management. We see improving underlying trends in the nation's economy, further supporting the momentum we've built and strengthening our foundation for solid performance in 2026. We're in a great capital position while modernizing and enhancing our technology. And we're extremely well positioned to continue growing with our markets and delivering strong returns for our shareholders.
1
Diluted earnings per common share - 4Q25
($ amounts in millions, except per share data)
Diluted earnings per common share (GAAP) - 4Q25$0.58
Adjusted diluted earnings per common share (non-GAAP) - 4Q25(1) $0.57
Additional selected items impacting 4Q25 earnings*:
Pre-tax additional selected items:
Salaries and employee benefits - severance charges
$7
Visa Class B litigation escrow funding 5
Non-qualified benefit plan settlement charge
2
Total pre-tax impact of additional selected items$14
After-tax additional selected items:
Increase in state income tax reserves $26
Diluted earnings per share impact of additional selected items - 4Q25 **$(0.04)
* Items impacting results or trends during the quarter, but are not considered non-GAAP adjustments.
** Based on income taxes at an approximate 25% incremental rate.
The additional selected items presented in the table above represent activities impacting the company's performance which are not included in its disclosed non-GAAP reconciliations. The $26 million of additional income tax expense was related primarily to an increase of state income tax reserves. This adj
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