$RF · REGIONS FINANCIAL CORP
Regions Financial filed an 8-K with its Q3 2026 earnings supplement. Net income rose to $631M ($0.71 diluted EPS) from $570M in Q2 2026. Net interest income (FTE) increased to $1,314M with NIM of 3.68%. Provision for credit losses was $68M, flat QoQ, while net charge-offs improved to 0.29% of average loans. Total end-of-period loans grew to $99.8B, and the CET1 ratio remained strong at an estimated 10.8%.
- Q3 2026 net income of $631M, up from $570M in Q2 2026 and $569M in Q3 2025.
- Diluted EPS of $0.71 vs. $0.64 in Q2 2026; adjusted diluted EPS of $0.73 (non-GAAP).
- Net interest income (FTE) rose to $1,314M, with NIM expanding to 3.68% from 3.66% in Q2 2026.
- Provision for credit losses held flat at $68M QoQ; net charge-offs improved to 0.29% of average loans from 0.42%.
- Total loans reached $99.8B, up 0.6% QoQ, driven by commercial and industrial growth of $568M.
Extended-hours trading shows RF at $27.45, +0.51% vs the regular-session close of $27.31, suggesting modest positive reception to the earnings beat and improved credit metrics.
Regions delivered a clean beat with rising NIM, falling credit costs, and loan growth — but the sharp AOCI deterioration signals unrealized balance-sheet stress worth monitoring.
Regional banks continue to benefit from stabilizing net interest margins; RF's 3.68% NIM and 10.8% CET1 ratio position it solidly among super-regional peers navigating the rate environment.
Accumulated other comprehensive loss deepened to $(3,197)M from $(1,922)M in Q2 2026, reflecting pressure on the available-for-sale securities portfolio. Total deposits declined $1.2B QoQ to $129.5B.
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