---
schema_version: "secwatch.filing_event.v1"
accession: "0001281761-26-000063"
form_type: "8-K"
ticker: "RF"
cik: "0001281761"
company_name: "REGIONS FINANCIAL CORP"
filed_at: "2026-10-16T10:01:52+00:00"
generated_at: "2026-10-16T10:05:26.709380+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001281761-26-000063
- form_type: 8-K
- ticker: RF
- cik: 0001281761
- company_name: REGIONS FINANCIAL CORP
- filed_at: 2026-10-16T10:01:52+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1281761/000128176126000063/0001281761-26-000063-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1281761/000128176126000063/rf-20261016.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001281761-26-000063
- JSON: https://secwatch.observer/filing/0001281761-26-000063.json
- Plain text: https://secwatch.observer/filing/0001281761-26-000063.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.