Regions Financial Corp. (RF)
NYSE:RF
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Earnings Data
Report Date
Jul 17, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.63Last Year’s EPS
0.6Same Quarter Last Year
Based on 14 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a largely constructive picture: solid earnings and profitability, loan and deposit growth, improving credit metrics, disciplined expense management, continued capital returns and clear technology transformation progress. Headwinds included quarter-to-quarter NIM compression, a modest decline in noninterest income, a $40 million securities repositioning loss, and a small set of remaining workout credits. Management provided confident, reiterated guidance for NII and noninterest income ranges and outlined actions to support margin and growth, suggesting the positives materially outweigh the manageable negatives.Company Guidance
Strong GAAP Earnings and EPS Growth
Reported Q1 earnings of $539 million and $0.62 per share, representing an 11% increase in earnings and a 15% increase in EPS versus adjusted prior year results.
Pre-Provision Income and Profitability
Adjusted pretax, pre-provision income of $805 million, up 4% year-over-year, and return on tangible common equity of 18%.
Loan Growth and High-Quality Origination
Ending loans grew 2% (average loans up ~1%); late-quarter acceleration produced $2.3 billion point-to-point growth. Approximately 80% of new loans were to existing clients; ~2/3 of growth was investment-grade and the remainder was mostly near investment-grade.
Deposit Franchise and Lower Deposit Costs
Ending deposits increased ~1% with average deposits modestly higher. Interest-bearing deposit cost declined 13 basis points during the quarter and exit interest-bearing deposit cost was 1.69%; noninterest-bearing deposits remained in the low-30% range. Company expects 2026 average deposits up low single digits.
Net Interest Income & NIM Outlook
NIM of 3.67% with NII expected to rebound ~2% in Q2 and full-year NII guidance reiterated at +2.5% to +4%; management expects NIM to exit 2026 in the low 3.70s.
Fee Revenue Strength in Key Areas
Wealth management revenue up 9% year-over-year; treasury management revenue grew 6% linked-quarter with strong core payments growth; capital markets revenue improved 5% quarter-over-quarter. Full-year adjusted noninterest income expected to grow 3%–5%.
Expense Discipline and Operating Leverage
Adjusted noninterest expense declined 4% linked-quarter. Full-year adjusted noninterest expense guidance is +1.5% to +3.5% and the company expects to deliver full-year adjusted positive operating leverage.
Improving Credit Metrics and Reserve Coverage
Annualized net charge-offs decreased 5 basis points to 54 bps; NPL ratio declined 2 bps to 71 bps; business services criticized ratio down 16 bps to 5.15%. Allowance for credit losses declined $39 million; allowance ratio fell 8 bps to 1.68% with NPL coverage at 238%. Full-year net charge-off guidance is 40–50 bps.
Capital Return and Regulatory Positioning
Ended quarter with estimated CET1 of 10.7%, executed $401 million in share repurchases and paid $227 million in common dividends. Preliminary assessment of proposed regulatory changes implies a pro forma fully-implemented Basel III CET1 of ~10.4% and management plans to operate around the midpoint of a 9.25%–9.75% CET1 target range.
Technology Transformation and Talent Investments
Progress on core transformation: commercial lending system and small business digital origination platform on track for summer deployment; core deposit system testing underway with pilot in Q3 and conversion in 2027. Strategic growth hiring largely on track and attrition among bankers has declined.
RF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
RF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 17, 2026 | $27.92 | $28.13 | +0.75% |
Jan 16, 2026 | $28.25 | $27.50 | -2.63% |
Oct 17, 2025 | $22.89 | $23.11 | +0.99% |
Jul 18, 2025 | $23.79 | $25.25 | +6.12% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Regions Financial Corp. (RF) report earnings?
Regions Financial Corp. (RF) is schdueled to report earning on Jul 17, 2026, Before Open (Confirmed).
What is Regions Financial Corp. (RF) earnings time?
Regions Financial Corp. (RF) earnings time is at Jul 17, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is RF EPS forecast?
RF EPS forecast for the fiscal quarter 2026 (Q2) is 0.63.
