Regions Financial Reports Q3 2026 Diluted EPS of $0.71 (Adjusted $0.73)

Overview of Filing

On October 16, 2026, Regions Financial Corporation filed a Current Report on Form 8-K under Items 2.02 (Results of Operations and Financial Condition), 7.01 (Regulation FD Disclosure), and 9.01 (Financial Statements and Exhibits), disclosing preliminary financial results for the third quarter ended September 30, 2026.

Key Financial Highlights (Q3 2026)

• Earnings Performance:
  • Reported net income of $631 million; net income available to common shareholders of $611 million or $0.71 per diluted share.
  • Adjusted net income available to common shareholders was $622 million, or $0.73 per diluted share.
  • Diluted EPS increased 16% compared to Q3 2025 and 11% compared to Q2 2026.
• Balance Sheet & Margins:
  • Average loans (net of unearned income) were $99.18 billion, up 0.5% QoQ.
  • Average deposits stood at $129.14 billion.
  • Net interest margin (FTE) was 3.68%, supported by an active balance sheet hedging strategy.
• Credit Quality & Capital:
  • Annualized net charge-offs decreased 13 bps sequentially to 0.29%.
  • Allowance for credit losses (ACL) ratio stood at 1.61% of total loans.
  • Common Equity Tier 1 (CET1) ratio estimated at 10.8%.
• Profitability Metrics:
  • Return on Average Assets (ROA): 1.55%
  • Return on Average Tangible Common Equity (ROATCE): 21.27% (Adjusted: 21.66%)
  • Efficiency Ratio: 56.2% (Adjusted: 55.8%)

Additional Disclosures

Regions also furnished its Q3 2026 visual presentation and scheduled an executive live audio webcast to review results on October 16, 2026. Pursuant to General Instruction B.2 of Form 8-K, information under Items 2.02 and 7.01 is being furnished and not deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934.