Regions Financial 3Q26 EPS $0.71 (+16% YoY); revenue $1.97B, NIM 3.68%

REGIONS FINANCIAL CORP

Net income available to common shareholders $611M, adjusted $622M; diluted EPS $0.71, adjusted $0.73; reported EPS up 16% YoY on 11% higher earnings.
Total revenue $1,973M, up 3.5% QoQ and 3.0% YoY; net interest income $1,298M (+1.6% QoQ); net interest margin 3.68% FTE.
Record capital markets income $107M, up 27% QoQ on higher M&A advisory, securities underwriting/placement, commercial swap and syndication revenue; Treasury Management also a record quarter.
Net charge-offs 0.29% of average loans, down 13bps QoQ; ACL/loans 1.61%; CET1 estimated at 10.8%; adjusted ROATCE 21.66%; efficiency ratio 55.8% adjusted.
4Q26 outlook: NII up 1-2% vs 3Q26 and NIM ~3.70%; FY26 average loans up low single digits. Sold ~$845M Agency CMBS/CMOs at $15M pre-tax loss.

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