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Regions Financial Earnings Calls
| Release date | Jul 17, 2026 |
| EPS estimate | $0.629 |
| EPS actual | $0.680 |
| EPS Surprise | 8.11% |
| Revenue estimate | 1.936B |
| Revenue actual | 1.947B |
| Revenue Surprise | 0.549% |
| Release date | Apr 17, 2026 |
| EPS estimate | $0.597 |
| EPS actual | $0.620 |
| EPS Surprise | 3.85% |
| Revenue estimate | 1.914B |
| Revenue actual | 1.873B |
| Revenue Surprise | -2.16% |
| Release date | Jan 16, 2026 |
| EPS estimate | $0.611 |
| EPS actual | $0.570 |
| EPS Surprise | -6.71% |
| Revenue estimate | 1.931B |
| Revenue actual | 1.921B |
| Revenue Surprise | -0.518% |
| Release date | Oct 17, 2025 |
| EPS estimate | $0.597 |
| EPS actual | $0.630 |
| EPS Surprise | 5.53% |
| Revenue estimate | 1.923B |
| Revenue actual | 1.941B |
| Revenue Surprise | 0.93% |
Last 4 Quarters for Regions Financial
Below you can see how RF performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Oct 17, 2025 |
| Price on release | $23.58 |
| EPS estimate | $0.597 |
| EPS actual | $0.630 |
| EPS surprise | 5.53% |
| Date | Price |
|---|---|
| Oct 13, 2025 | $24.56 |
| Oct 14, 2025 | $25.16 |
| Oct 15, 2025 | $24.74 |
| Oct 16, 2025 | $23.35 |
| Oct 17, 2025 | $23.58 |
| Oct 20, 2025 | $24.06 |
| Oct 21, 2025 | $24.36 |
| Oct 22, 2025 | $24.11 |
| Oct 23, 2025 | $24.10 |
| 4 days before | -3.99% |
| 4 days after | 2.21% |
| On release day | 2.04% |
| Change in period | -1.87% |
| Release date | Jan 16, 2026 |
| Price on release | $27.77 |
| EPS estimate | $0.611 |
| EPS actual | $0.570 |
| EPS surprise | -6.71% |
| Date | Price |
|---|---|
| Jan 12, 2026 | $28.26 |
| Jan 13, 2026 | $27.84 |
| Jan 14, 2026 | $28.14 |
| Jan 15, 2026 | $28.52 |
| Jan 16, 2026 | $27.77 |
| Jan 20, 2026 | $27.63 |
| Jan 21, 2026 | $28.65 |
| Jan 22, 2026 | $28.29 |
| Jan 23, 2026 | $27.48 |
| 4 days before | -1.73% |
| 4 days after | -1.04% |
| On release day | -0.504% |
| Change in period | -2.76% |
| Release date | Apr 17, 2026 |
| Price on release | $28.13 |
| EPS estimate | $0.597 |
| EPS actual | $0.620 |
| EPS surprise | 3.85% |
| Date | Price |
|---|---|
| Apr 13, 2026 | $27.83 |
| Apr 14, 2026 | $27.75 |
| Apr 15, 2026 | $27.85 |
| Apr 16, 2026 | $27.92 |
| Apr 17, 2026 | $28.13 |
| Apr 20, 2026 | $28.31 |
| Apr 21, 2026 | $28.35 |
| Apr 22, 2026 | $28.21 |
| Apr 23, 2026 | $28.40 |
| 4 days before | 1.08% |
| 4 days after | 0.96% |
| On release day | 0.640% |
| Change in period | 2.05% |
| Release date | Jul 17, 2026 |
| Price on release | $31.65 |
| EPS estimate | $0.629 |
| EPS actual | $0.680 |
| EPS surprise | 8.11% |
| Date | Price |
|---|---|
| Jul 13, 2026 | $31.07 |
| Jul 14, 2026 | $30.92 |
| Jul 15, 2026 | $31.48 |
| Jul 16, 2026 | $32.40 |
| Jul 17, 2026 | $31.65 |
| Jul 20, 2026 | $31.11 |
| Jul 21, 2026 | $30.82 |
| Jul 22, 2026 | $30.86 |
| Jul 23, 2026 | $30.66 |
| 4 days before | 1.87% |
| 4 days after | -3.13% |
| On release day | -1.71% |
| Change in period | -1.32% |
Regions Financial Earnings Call Transcript Summary of Q2 2026
Regions reported 2Q26 earnings of $549M ($0.64/share) and adjusted earnings of $583M ($0.68/sh), driven by disciplined execution, modest loan and deposit growth, and margin resilience. Average loans rose ~2% linked quarter (ending loans +1%) with diversified commercial loan growth and improving line utilization; pipelines are ~15% higher YoY. Net interest margin was 3.66% (NII +2% linked quarter) and management expects NII to rise ~2% in 3Q and NIM to exit the year around ~3.7% with balance-sheet repricing supporting multi-year margin expansion. Adjusted non-interest income grew 7% linked quarter (wealth management delivered a record quarter); management still expects full-year fee revenue growth near the low end of its 3–5% guide. Credit trends continued to improve: lower net charge-offs (annualized NCOs 42 bps), reductions in criticized and non-performing loans, and management believes credit has largely normalized. ACL (allowance) declined modestly to 1.63% after charge-off resolutions; full-year NCO guidance remains 40–50 bps. Capital and liquidity are solid: estimated CET1 ~10.7% (including AOCI ~9.5%), $59M share repurchases and a 13% increase in the quarterly common dividend to $0.30. The board’s stress-test results were strong versus peers. Strategic execution highlights include #1 J.D. Power regional online banking ranking, mobile app improving to #2, successful rollout of a new commercial lending platform, progress on core deposit conversion (pilot later this year, full conversion in 2027), and the acquisition of Frazer Lanier to bolster municipal capital markets. Management maintains disciplined expense guidance (adjusted non-interest expense +1.5% to +3.5% for 2026) and expects to sustain positive operating leverage. Funding strategy emphasizes defending core deposit costs (mid-30s beta on interest-bearing deposits), using wholesale funding opportunistically (FHLB/short-term unsecured issuance) when loans temporarily outpace deposits, and continuing targeted investments to grow low-cost deposits over time.
