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
Regions Financial's second quarter of fiscal 2026 reflected steady performance as net interest income improved on lower funding costs, while credit costs declined. Loan growth was concentrated in commercial and industrial portfolios, and asset quality improved, with net charge-offs declining to 0.42% of average loans. Non-interest income was impacted by $40 million in pre-tax securities repositioning losses, partially offset by higher service charges and wealth management fees. The company maintained a strong capital position and announced a 13% dividend increase.
EPS (Diluted)
$0.64
+8.47% YoY
Source: SEC XBRL
RF's fiscal Q2 FY2026 corresponds to calendar Q2 2026.
Last 4 quarters: 1 beat
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026This filing | 0.64 | 0.65 | Miss -0.9% |
| Mar 2026 | 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 $0.64 versus the $0.65 analyst consensus — a -0.9% miss for Jun 2026.
Compiled by AI from 10-Q Item 2 of this filing
Net interest income (taxable-equivalent) reached $1.3 billion in Q2 2026, up $20 million year-over-year, driven by lower total funding costs and benefits from the hedging program; net interest margin increased 1 basis point to 3.66%.
Source: 10-Q Item 2 MD&A
The provision for credit losses fell to $68 million from $126 million a year ago, and net charge-offs improved to 0.42% of average loans, reflecting continued progress on previously identified portfolios of interest.
Source: 10-Q Item 2 MD&A
The company sold approximately $900 million of available-for-sale debt securities and realized approximately $40 million in pre-tax losses, repositioning the portfolio into higher-yielding assets.
Source: 10-Q Item 2 MD&A
Total loans increased $3.6 billion from year-end 2025, with commercial and industrial loans up $3.1 billion, led by energy, manufacturing, and real estate sectors.
Source: 10-Q Item 2 MD&A
The CET1 ratio was estimated at 10.7%, and the Board declared a 13% increase in the quarterly common stock dividend to $0.30 per share, payable October 1, 2026.
Source: 10-Q Item 2 MD&A
Compiled by AI from 10-Q Item 2 of this filing · 0 high, 5 medium, 0 low
The business office portfolio, totaling $858 million (0.9% of loans) at June 30, 2026, includes $121 million in non-performing loans. Approximately 60% of the portfolio matures within 12 months, though credit quality is improving and no new originations are planned.
Source: 10-Q Item 2 MD&A
The trucking portfolio of $1.1 billion remains under pressure from a prolonged freight market downturn. Charge-offs reached $29 million in the first six months of 2026, and economic uncertainty poses further risk.
Source: 10-Q Item 2 MD&A
Although net interest margin improved slightly, the bank’s profitability is dependent on the spread between asset yields and funding costs, which could be adversely affected by changes in interest rates or deposit pricing competition.
Source: 10-Q Item 2 MD&A
The baseline economic forecast assumes moderate GDP growth and stable unemployment; a material economic downturn could increase loan loss provisions, especially in commercial real estate and consumer portfolios.
Source: 10-Q Item 2 MD&A
The company has $16.9 billion in non-owner-occupied commercial real estate exposure, with concentrations in apartments and industrial properties. A property market correction could lead to higher defaults.
Source: 10-Q Item 2 MD&A
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Net Income $M | 570.00 $M | 563.00 $M | +1.24% |
EPS (Basic) $ | 0.64 $ | 0.59 $ | +8.47% |
EPS (Diluted) $ | 0.64 $ | 0.59 $ | +8.47% |
Answers draw on this SEC filing and the data on this page
Expected release date, analyst estimates & what to watch
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.
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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