EarningsQ2 2026 Earnings Report
MX:RF Q2 2026 EPS Results
Actual EPS$11.50
Consensus EPS$10.64
Beat/MissBeat by +$0.86
One Year Ago EPS$10.15
MX:RF Q2 2026 Revenue Results
Actual Revenue$40.13B
Expected Revenue$32.75B
Beat/MissBeat by +$7.38B
YoY Revenue Growth-2.35%
Earnings Announcement Details
QuarterQ2 2026
Date07/17/2026
TimeBefore Open
Conference CallFriday, July 17, 2026
MX:RF Upcoming Earnings
Regions Financial's next earnings date is estimated for October 16, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
MX:RF Q2 2026 Earnings Call
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Q2 2026 Earnings Slide Deck
Q2 2026 Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a broadly positive performance: solid adjusted earnings, improving asset quality, NIM expansion potential, record wealth and fee businesses, strategic technology and capability milestones, and strong stress-test outcomes and liquidity. Headwinds include modest deposit seasonality and competition, a sequential rise in operating expenses, some capital markets sensitivity to higher rates, a reduced allowance for credit losses, and localized multifamily softness. Overall, the company appears well-positioned financially and strategically, with manageable risks acknowledged and active capital deployment (dividend increase, targeted buybacks) while monitoring regulatory and market developments.Company Guidance
Solid Reported and Adjusted Earnings
Reported net income of $549 million ($0.64 EPS); adjusted earnings of $583 million ($0.68 EPS). Delivered adjusted pre-tax, pre-provision income of $831 million and an adjusted return on tangible common equity of 20%.
Loan Growth Momentum
Average loans increased ~2% during the quarter and ending loans grew ~1%; loan pipelines up roughly 15% year-over-year, with growth broad-based across commercial & industrial categories and over half of new production investment-grade.
Net Interest Income and Margin Progress
Net interest income rose ~2% linked-quarter; net interest margin (NIM) at 3.66% with interest-bearing deposit costs declining 3 basis points to 1.69%. Management expects Q3 NII to increase ~2% and NIM to exit the year near ~3.7%.
Record Wealth Management Performance
Wealth management delivered another record quarter; wealth income increased ~6% linked-quarter and advisors hired over the past three years have grown client assets by nearly $6 billion (on a ~$60 billion base).
Fee Revenue and Payments Momentum
Adjusted non-interest income increased ~7% sequentially; card and ATM fees up ~8% driven by higher transaction volumes; management expects full-year adjusted non-interest income growth of 3%-5%, currently trending to the lower end.
Strategic Execution and Technology Progress
Successful implementation of a new commercial lending platform (core modernization milestone); core deposit transformation testing underway with a pilot later this year and full conversion targeted for 2027; acquisition of Frazer Lanier announced to expand municipal securities/capital markets capabilities.
Improving Asset Quality
Annualized net charge-offs declined 12 basis points to 42 basis points; business services criticized ratio improved 14 basis points to 5.01%; non-performing loan ratio improved 4 basis points to 0.67%; management expects FY2026 net charge-offs between 40–50 bps.
Capital Returns and Strong Capital Position
Estimated CET1 ratio of 10.7%; executed $59 million in share repurchases and paid $226 million in common dividends this quarter; board increased quarterly dividend 13% to $0.30 per share; including AOCI CET1 ~9.5% within targeted operating range (9.25%–9.75%).
Favorable Regulatory Stress Test Outcome
Regions generated the highest pre-tax, pre-provision net revenue as a percentage of average assets in its regional peer group in the Fed stress test; pre-provision revenue covered projected stress losses with a coverage ratio of 101.4% (second highest in peer group).
Liquidity and Funding Flexibility
Liquidity described as stable and robust with total sources well above required levels; low levels of unsecured borrowings provide flexibility (issued $1.5 billion unsecured debt this quarter at treasuries +68), and loan-to-deposit ratio remains ~76%.
MX: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