Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
AI Takeaway
RF (Regions Financial) delivered solid Q1 FY2026 results with net income rising 14.1% YoY to $559M and EPS growing 23.5% to $0.63, though operating cash flow declined 18.7% and investing activities swung sharply negative.
EPS (Diluted)
$0.62
+21.57% YoY
Source: SEC XBRL
Regions Financial (RF) generated $867M of operating cash flow in Q1 FY2026, down 18.7% year over year. RF's fiscal Q1 FY2026 corresponds to calendar Q1 2026.
Last 4 quarters: 1 beat
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 0.64 | 0.65 | Miss -0.9% |
| Mar 2026This filing | 0.62 | 0.62 | Beat +0.5% |
| Dec 2025 | 0.58 | 0.63 | Miss -8.2% |
| Sep 2025 | 0.61 | 0.62 | Miss -0.9% |
Reported EPS of $0.62 versus the $0.62 analyst consensus — a +0.5% beat for Mar 2026.
Compiled by AI from this SEC filing
Net income increased 14.1% YoY to $559M in Q1 FY2026, with basic EPS surging 23.5% from $0.51 to $0.63, reflecting improved profitability and the positive impact of share buybacks reducing the share count.
Source: 10-Q Income Statement
Long-term debt fell 47.9% YoY from $6.02B to $3.14B, indicating a meaningful deleveraging effort that strengthens the balance sheet and reduces interest expense obligations going forward.
Source: 10-Q Balance Sheet
Share buybacks increased 65.7% YoY to $401M in Q1 FY2026 versus $242M in the prior-year period, demonstrating management's confidence in capital adequacy and commitment to returning capital to shareholders.
Source: 10-Q Cash Flow Statement
Investing cash flow swung from a positive $166M to a negative $2.18B YoY (a -1,413.3% change), suggesting significant investment activity such as securities purchases or loan growth that warrants monitoring.
Source: 10-Q Cash Flow Statement
Total assets grew modestly by 0.6% YoY to $160.7B, while stockholders' equity increased 1.3% to $18.8B, reflecting a stable but measured expansion of the bank's balance sheet.
Source: 10-Q Balance Sheet
Compiled by AI from this SEC filing · 1 high, 3 medium, 1 low
With a debt-to-equity ratio of approximately 7.56, Regions Financial carries substantial leverage typical of large banks but remains sensitive to credit quality deterioration or rising funding costs. Any adverse shift in the credit cycle could disproportionately impact earnings and capital ratios.
Source: 10-Q Balance Sheet, Key Ratios
Operating cash flow fell 18.7% YoY to $867M from $1.07B, which may indicate pressure on core earnings quality or working capital dynamics. Sustained declines in operating cash generation could constrain future capital distributions and investment capacity.
Source: 10-Q Cash Flow Statement
Investing activities consumed $2.18B in Q1 FY2026 compared to generating $166M in the prior year, a dramatic reversal. If these outflows reflect aggressive loan or securities portfolio expansion, credit risk and interest rate risk exposures may have increased materially.
Source: 10-Q Cash Flow Statement
ROA of approximately 0.35% is relatively thin, meaning the bank generates only $0.35 in net income for every $100 of assets. This leaves limited buffer against asset quality stress and may indicate pressure on net interest margins.
Source: 10-Q Key Ratios
Financing cash flow declined 34.7% YoY to $1.55B from $2.37B, which could reflect reduced deposit inflows or changes in wholesale funding. For a bank, shifts in funding composition can affect liquidity and cost of funds.
Source: 10-Q Cash Flow Statement
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Net Income $M | 559.00 $M | 490.00 $M | +14.08% |
EPS (Basic) $ | 0.63 $ | 0.51 $ | +23.53% |
EPS (Diluted) $ | 0.62 $ | 0.51 $ | +21.57% |
Answers draw on this SEC filing and the data on this page
Regions Financial reported a 2.8% increase in net income to $549 million in Q2 FY2026, driven by improved net interest income and lower loan loss provisions, partly offset by securities repositioning-related losses.
RF (Regions Financial) delivered FY2025 net income of $2.16B (+13.9% YoY) and EPS of $2.31 (+19.1%), driven by strong operating cash flow growth of +36.5%, even as operating income declined 44.2% and the company aggressively reduced long-term debt by 31%.
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