Regions Financial Corporation (RF) Earnings Call Transcripts
Regions Financial Corporation's Latest Earnings Call - Q3 FY2026
In the third quarter of 2026, Regions Financial Corporation reported earnings of $611 million, translating to an earnings per share of $0.71, with adjusted earnings at $622 million or $0.73 per share. The bank experienced a 2% increase in net interest income linked quarter, supported by strong capital markets and treasury management revenue. Management maintained its guidance for full-year average loan growth to be up low single digits versus 2025, while also expecting adjusted noninterest income to grow between 3% and 5%. Overall, the results reflect a solid performance amidst a challenging operating environment, indicating potential for stock movement based on continued strong financial fundamentals.
Reported metrics
| Metric | Value |
|---|---|
| Earnings | $611 million |
| EPS | $0.71 |
| Adjusted Earnings | $622 million |
| Adjusted EPS | $0.73 |
| Net Interest Income | 2% |
| Net Charge-Offs | 29 basis points |
Guidance from management
Management expects full-year average loan growth to be up low single digits versus 2025 and fourth quarter net interest income to increase between 1% and 2%. They maintained their guidance for adjusted noninterest income growth between 3% and 5%.
What management said
Thank you, Chris. Welcome to Regions Third Quarter 2026 Earnings Call. John and Anil will provide high-level commentary regarding our results. We ask that you review the cautionary statements included in our earnings documents, which are available in the Investor Relations section of our website. These materials contain information regarding the use of non-GAAP measures and reconciliations to the GAAP results as well...
The other thing I'd just make a point, we've grown our mass affluent customer base by about 8% year-over-year, and 85% of those customers come from our own customer base. So we're acquiring younger customers. We believe, based upon information provided by industry sources that about 3x the rate that many of our peers are, and we're converting those customers over time to be more mass affluent in nature. And as a resu...
What analysts pressed on
Analysts expressed concerns about the potential impact of rising interest rates on loan demand, particularly in the consumer segment. Questions were raised regarding how the bank plans to balance deposit growth with maintaining a competitive net interest margin amidst a changing rate environment.
Main topics on the call
- Revenue Growth in Fee-Based Businesses — Regions reported record revenue in Capital Markets and Treasury Management, with capital markets income increasing 23% compared to the prior quarter. Management stated, "Capital Markets and Treasury Management each deliv...
- Credit Quality Improvement — The bank's credit quality remained strong, with annualized net charge-offs declining to 29 basis points of average loans. John Turner noted, "Annualized net charge-offs as a percentage of average loans declined 13 basis ...
- Loan Growth Moderation — Loan growth moderated during the quarter, particularly in consumer loans, which declined modestly. Anil Chadha mentioned, "Consumer loan balances declined modestly during the quarter," reflecting challenges in the housin...
- Deposit Management Strategy — Regions continues to focus on managing deposit costs effectively, with average and ending balances decreasing modestly. Management emphasized, "We remain disciplined in managing deposit costs in an elevated rate environm...
Read the full Regions Financial Corporation transcript (Q3 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.
About Regions Financial Corporation
Regions Financial Corporation (RF) is a publicly listed company in the Banks industry, within the Financials sector. It trades on NYSE and is based in US. EarningsCalls.dev maintains a free, full-text archive of its earnings call transcripts — 99 calls on record spanning January 17, 2020 to October 16, 2026. Every transcript is split into speaker-by-speaker segments with headline metrics, free to read or available through our REST API.
Earnings Call History
EarningsCalls.dev has 99 Regions Financial Corporation earnings call transcripts on record, spanning January 17, 2020 to October 16, 2026. Based on this history, Regions Financial Corporation reports quarterly. The most recent call on file is dated October 16, 2026. The full list is below — each row opens the complete, free-to-read transcript.
- Ticker
- RF
- Exchange
- NYSE
- Country
- US
- Sector
- Financials
- Industry
- Banks
- Calls on record
- 99
- First call
- January 17, 2020
- Most recent
- October 16, 2026
- Reporting cadence
- quarterly