Watch for 4Q26 NII guidance of +1-2% QoQ and NIM ~3.70% to confirm margin trajectory. Monitor whether FY26 adjusted non-interest income growth lands at the lower end of the 3-5% range, which would signal fee income momentum is decelerating. The 275% ACL/NPL coverage ratio provides a buffer against credit deterioration.
Price Chart
Executive Summary
Regions Financial reported Q3 2026 net income of $611M and diluted EPS of $0.71, beating consensus estimates of $0.69 by 2.9%. Revenue of $1.973B was slightly below the $2.02B consensus. Net interest margin expanded 2 bps to 3.68%, credit quality improved with NCOs at 29 bps (down 13 bps QoQ), and the CET1 ratio strengthened to 10.8%. Management guided for 4Q26 NII to increase 1-2% QoQ and NIM of ~3.70%, while FY26 adjusted non-interest income is tracking toward the lower end of the 3-5% growth range.
Key Financial Metrics
Key Facts
- Q3 2026 diluted EPS of $0.71 beat consensus of $0.69 by 2.9%
- Net income available to common shareholders of $611M, up 11% QoQ and 11% YoY
- Net interest margin (FTE) expanded 2 bps to 3.68%
- Net charge-offs fell 13 bps QoQ to 29 bps annualized
- CET1 ratio estimated at 10.8%, up from 10.7% in Q2
- Record capital markets income of $107M (ex CVA/DVA $106M, up 23% QoQ)
- Average loans grew 0.5% QoQ; average deposits declined 1.2% QoQ
- Repurchased ~3M shares for $95M and declared $255M in common dividends
Financial Impact
EPS beat of 2.9% vs consensus; revenue slightly below consensus; NIM expansion of 2 bps; NCOs at 29 bps vs 42 bps prior quarter
Risk Factors
- Deposit costs could rise faster if competitive pressures intensify, compressing NIM
- Commercial real estate office exposure ($773M, 0.8% of loans) has elevated NPL ratio of 17.3%
- FY26 adjusted non-interest income tracking toward lower end of 3-5% guidance range
- AOCI losses of $3.2B weigh on tangible common equity ratio (6.83%)
Investment Themes
Documents Analyzed
This report is based on 4 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001281761-26-000063 |
| Document: 0001281761-26-000063-index.html | 0001281761-26-000063 |
| Document: 0001281761-26-000063.txt | 0001281761-26-000063 |
| 8-K Data (Synthetic) | 0001281761-26-000063 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 6d ago | Institutional Cluster | $28.40 $28.47 | ▲ +0.25% | ▲ +0.77% | $28.50 (+0.35%) |
Oct 16, 2026 11d ago | 8-K | $27.45 $27.20 | ▼ −0.91% | ▼ −1.33% | $28.50 (+3.83%) |
Aug 10, 2026 11w ago | 13F-HR | $31.46 $31.60 | ▲ +0.45% | ▲ +0.76% | $28.50 (−9.41%) |
Jul 17, 2026 14w ago | 8-K | $31.65 $31.11 | ▼ −1.71% | ▼ −1.54% | $28.50 (−9.95%) |
Apr 17, 2026 27w ago | 8-K | $25.57 $25.52 | ▼ −0.20% | ▼ −0.00% | $28.50 (+11.46%) |
Mar 23, 2026 31w ago | DEFA14A | $25.62 $25.77 | ▲ +0.58% | ▲ +0.02% | $28.50 (+11.25%) |
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