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Get filing alertsRegions Financial reports 2Q26 EPS of $0.64, guides full-year NII growth of 2.5–4%
Filed August 7, 2026 · Period ending August 7, 2026 · ~1 min read
Key Changes
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2Q26 net income available to common shareholders was $549M ($0.64/share), or $583M ($0.68/share) adjusted. Full-year 2026 net interest income expected to grow 2.5–4%, driven by fixed-rate asset turnover, funding cost management, and loan growth.
Exhibit 99.1 view on EDGAR → -
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3Q26 NII expected to increase ~2% vs 2Q26 from balance sheet growth, fixed-rate asset turnover, hedging rate increase, and day count. NIM expected stable to modestly higher, exiting 2026 at approximately 3.70%.
Exhibit 99.1 view on EDGAR → -
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Completed acquisition of The Frazer Lanier Company on July 1, 2026, expanding capital markets capabilities and investment banking/advisory services as part of long-term growth strategy.
Exhibit 99.1 view on EDGAR → -
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Banker expansion initiative ~84% complete, with 40% YTD increase in new commercial logos following investment in 60+ bankers over 18 months and 7% YTD increase in small business checking production.
Exhibit 99.1 view on EDGAR → -
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Furnished investor presentation materials for institutional investor meetings during August–September 2026, covering operations and performance.
Item 7.01 — Regulation FD Disclosure verify on EDGAR →
Summary
Regions Financial disclosed second quarter 2026 results and updated full-year guidance through investor presentation materials furnished ahead of August–September institutional meetings. The company reported net income available to common shareholders of $549 million, or $0.64 per diluted share ($0.68 adjusted), with total revenue of $1.907 billion. Management expects full-year 2026 net interest income to grow 2.5% to 4%, driven by fixed-rate asset turnover, funding cost management, and loan growth, with third quarter NII expected to increase approximately 2% sequentially and net interest margin exiting the year at approximately 3.70%.
The company completed its acquisition of The Frazer Lanier Company on July 1, 2026, expanding capital markets capabilities and investment banking services. Regions' three-year banker expansion initiative is approximately 84% complete, with early results including a 40% year-to-date increase in new commercial logos and 7% growth in small business checking production. The company maintained net charge-offs at 0.42% of average loans and achieved a 19.01% return on average tangible common equity (20.18% adjusted), with management highlighting continued momentum across core businesses including a record quarter in Wealth Management.
Section-by-Section Diff
Event · Exhibit 99.1
Regions Financial disclosed 2Q26 results and strategic priorities via investor presentation, highlighting loan/deposit growth and technology investments.
Added in current filing · view on EDGAR →
Net Income Available to Common Shareholders $549M $583M Diluted Earnings Per Share $0.64 $0.68 Total Revenue $1,907M $1,947M Non-Interest Expense $1,121M $1,116M Pre-Tax Pre-Provision Income(1) $786M $831M Efficiency Ratio 58.3% 56.9% Net-Charge Offs / Avg Loans 0.42% 0.42% Return on Average Tangible Common Equity(1) 19.01% 20.18%
Regions reported second quarter 2026 net income available to common shareholders of $549 million ($0.64 per diluted share), or $583 million ($0.68 per share) on an adjusted basis. Total revenue was $1.907 billion ($1.947 billion adjusted), with non-interest expense of $1.121 billion ($1.116 billion adjusted). The company achieved a 19.01% return on average tangible common equity (20.18% adjusted) and maintained net charge-offs at 0.42% of average loans. Management highlighted continued momentum across core businesses, including a record quarter in Wealth Management, and noted healthy business activity and stable consumer financial conditions across the footprint.
Added in current filing · view on EDGAR →
Expectation: Full-year 2026 NII to grow between 2.5 – 4%, with fixed- rate asset turnover, funding cost management, and loan growth as the primary drivers • 3Q26 NII expected to increase ~2% vs 2Q26, from balance sheet growth, fixed-rate asset turnover, hedging rate increase, and day count • 3Q26 NIM expected to be stable to modestly higher vs 2Q26, exiting the year at approximately 3.70%
Management expects full-year 2026 net interest income to grow 2.5% to 4%, driven by fixed-rate asset turnover, funding cost management, and loan growth. Third quarter 2026 NII is expected to increase approximately 2% versus second quarter, with net interest margin stable to modestly higher, exiting the year at approximately 3.70%. The guidance assumes a mostly stable yield curve with 10-year Treasury rates between 4.00% and 4.75%, low single-digit loan and deposit balance growth, and mid-to-high-30s interest-bearing deposit beta. Note: these figures were previously disclosed in the company's Jul 17, 2026 8-K.
Added in current filing · view on EDGAR → · paraphrased
Overall Initiative: ~84% Complete(1) ... Progress includes ~46% completion of incremental banker and revenue-enablement hires, with retail banker reskilling and reallocations largely complete. ... +40%(2) YTD increase in new commercial logos Generated following investment in more than 60 bankers over the past 18 months +7% Jun YTD increase in small business checking account production Driven by reskilled small business bankers versus 2024 levels $6B Growth in client assets Attributed to new advisors hired over the past three years
Regions' three-year banker expansion initiative is approximately 84% complete, with the company hiring approximately 170 incremental bankers across Middle Market, Small Business, Treasury Management, Mortgage, and Wealth, plus approximately 100 revenue-enablement roles. Early results include a 40% year-to-date increase in new commercial logos following investment in more than 60 bankers over the past 18 months, a 7% year-to-date increase in small business checking account production driven by reskilled bankers, and $6 billion in client asset growth attributed to new advisors hired over the past three years.
Show 1 minor / wording change
Added in current filing · view on EDGAR →
Regions ranked No. 1 among regional banks in the JD Power 2026 U.S. Online Banking Satisfaction Study SM for the sixth time in the past seven years and ranked No. 2 in customer satisfaction with mobile banking apps among regional banks.
Regions achieved top rankings in JD Power's 2026 customer satisfaction studies, ranking number one among regional banks for online banking satisfaction (the sixth time in seven years) and number two for mobile banking app satisfaction. These rankings validate the company's digital leadership and technology modernization investments.
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Figures/quotes linked to EDGAR · Narrative written by AI · Aug 10, 2026 · How we verify