Regions Financial Corp reported third-quarter 2026 net income available to common shareholders of $611 million, or $0.71 per diluted share, versus $548 million, or $0.61 in third-quarter 2025.
Net income$631M▲ 10.9%Diluted EPS$0.71▲ 16.4%
Read from the MD&A sectionSource passage
Regions reported net income available to common shareholders of $611 million or $0.71 per diluted share in the third quarter of 2026 compared to net income available to common shareholders of $548 million or $0.61 per diluted share in the third quarter of 2025.Open the document at this passage
Regions will open 135 to 150 branches and renovate 1,000, keeping total branches relatively flat. It expects fourth-quarter margin around 370 and sees fixed-rate asset repricing supporting net interest income into 2027.
3 source passages
we're going to open 135 to 150. We'll probably close about a like number elsewhere in our footprint, so our total branch count will be kind of relatively flat based on what we see nowwe'll also, as Anil mentioned, we'll be renovating 1,000 of our branches.And so the fixed asset repricing I mentioned before continues into 27. It will be at a decreasing rate as you'd expect. But we feel good about exiting the fourth quarter with the margin around 370 and feel good about some of the tailwinds that can persist into 2027.Open the document at this passage
Regions Financial reported third-quarter 2026 earnings of $611 million, or $0.71 per share, with annualized net charge-offs of 29 basis points and a CET1 ratio of 10.8%, expecting a fourth-quarter net interest margin of approximately 3.70%.
Regions Financial Corp reported third quarter 2026 earnings of $611 million and diluted EPS of $0.71, up 11 percent and 16 percent respectively from a year earlier. Net interest margin rose to 3.68 percent; estimated CET1 ratio was 10.8 percent.
TL;DR.Regions reported 3Q26 EPS of $0.71 (adjusted $0.73), with record Capital Markets and Treasury Management revenue and strong fee-based momentum. Credit quality improved sharply with net charge-offs falling 13bps QoQ to 29bps, while management now expects FY26 NCOs toward the low end of the 40–50bps guidance range. NIM expanded 2bps to 3.68% with 4Q26 NII guided up 1–2% and NIM ~3.70%, though elevated equipment/software and professional legal expense pressures were noted.
Bullish
+Now expects FY26 net charge-offs toward the low end of the 40–50bps guidance range.new
+Record Capital Markets income up 23% QoQ (ex CVA/DVA) driven by stronger M&A advisory, underwriting, syndications, and commercial swap.new
+Record Treasury Management revenue drove service charges up 2% QoQ.new
Bearish
−Average and ending deposits declined modestly QoQ, primarily reflecting large commercial clients shifting to off-balance sheet products.new
−Wealth management income declined 3% QoQ following a record 2Q on lower production volumes.new
−FY2026 adjusted non-interest income guidance tracking toward the lower end of the 3–5% range.new
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
1,012 of 1,125 funds reported for Sep 30 · net +9.6M sh shares · +70 new
Insider flowFlat
No net insider activity over 90 days
Short interestRising
7.62% of shares out · ▲ +15.1% MoM · 5.3 days cover
Volume signalNormal
Volume near normal
Institution breadthMulti-yr high
1,125 holders — near 3-yr high, broad support
Squeeze score72
high risk · 0–100
Fundamentals
Excellent
Revenue growth+24%
Y/Y
EPS growth+19%
Y/Y
ValuationP/E 11.3
below peers
Buyback$2.5B
remaining
Balance sheet$6.0B
net cash
Quant / Vol
risk profile
Low
Volatility23%
annualized · 1-yr
Max drawdown−19%
past year
ATR2.1%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
what management promised — and delivered
Latest guidance
· from the Earnings Call filed Oct 16, 2026
fourth quarter 2026
Net interest income
1% – 2%
Net interest margin
3.7%
Capital markets revenue
$90M – $105M
full-year 2026 versus 2025
Adjusted non-interest income
Non-GAAP3% – 5%
Adjusted non-interest expense
Non-GAAP1.5% – 3.5%
Previous outlook
earlier release· from the Earnings Call filed Jul 17, 2026
Still-open targets the latest release did not restate under the same label.
Guide
· right now9.25% – 9.75%
Prior guidance
period ended· from the 8-K filed Jul 17, 2026
NII
· 3Q262%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holdersBuy
0 · 3 · 3
50 / 200-day cross
No crossNeutral
Price vs 200-day avg
+1%Bullish
Price vs 50-day avg
+2%Bullish
RSI (14)
56Neutral
MACD trend
PositiveBullish
52-week position
57%Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)No cross
50d $28 › 200d $29 — 200d above 50d
Institutional flowAccumulating
1,012 of 1,125 funds reported for Sep 30 · net +9.6M sh shares · +70 new
Insider flowFlat
No net insider activity over 90 days
Short interestRising
7.62% of shares out · ▲ +15.1% MoM · 5.3 days cover
Volume signalNormal
Volume near normal
Institution breadthMulti-yr high
1,125 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low$24Now $29 · 57%Range high$32
vs 200-day avg +1%vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Regions Financial Corp reported third-quarter 2026 net income available to common shareholders of $611 million, or $0.71 per diluted share, versus $548 million, or $0.61 in third-quarter 2025.
Dividends per share over the trailing 365 days by ex-date · buyback figures as last
reported in SEC filings ("spent" derived as authorized − remaining; when several
programs run concurrently, authorized is their combined total per the newest filing) ·
components shown separately — trailing-year buyback spend isn't tracked, so no
combined shareholder yield is derived.
