Regions Financial beats Q2 adjusted EPS estimates as loan growth, credit quality, and capital levels improve.
Stock Earnings Results
July 17, 2026
Table of Contents
July 17, 2026
Regions Financial Corporation (NYSE: RF) reported second-quarter 2026 results above expectations on an adjusted basis, supported by loan growth, stable revenue, improved credit quality, strong capital levels, and a higher dividend.
Regions Financial is a regional bank holding company that provides consumer banking, commercial banking, wealth management, mortgage, capital markets, and treasury services across the South, Midwest, and Texas.
The company reported adjusted EPS of $0.68, above estimates of $0.64, representing a 6.3% earnings surprise. The dashboard showed revenue of $2.38 billion, above estimates of $1.95 billion, with revenue growth of negative 2.1%.
Regions reported net income available to common shareholders of $549 million, or $0.64 per diluted share.
Adjusted net income available to common shareholders was $583 million, or $0.68 per diluted share.
GAAP diluted EPS increased 8% from the prior-year quarter, while adjusted diluted EPS increased 13%.
Total revenue was $1.91 billion, roughly stable from the prior-year quarter. Adjusted total revenue was $1.95 billion, up 2.2% year-over-year.
Net interest income increased 1.4% to $1.28 billion, while net interest income on a taxable-equivalent basis increased 1.6% to $1.29 billion.
Net interest margin was 3.66%, compared with 3.65% a year earlier and 3.67% in the first quarter.
Management said average loan growth, fixed-rate asset turnover, one additional day in the quarter, and disciplined deposit cost management supported net interest income.
Regions said its low-cost deposit base continued to deliver peer-leading interest-bearing deposit costs of 1.69%.
Average deposits were $130.69 billion, up modestly from the first quarter and up 1.0% from the prior-year quarter.
Average loans increased 2.4% from the first quarter to $98.72 billion.
Ending loans increased 1.3% from the first quarter to $99.20 billion.
The growth was driven mainly by broad-based commercial and industrial lending, including power and utilities, manufacturing, government and public sector, and retail trade.
Management said loan growth remained high quality, with investment-grade credits representing more than half of new balances.
Wealth Management income reached another record quarter, marking the fifth record quarter in the last six quarters.
Capital markets income was $84 million, flat from the first quarter and slightly higher than the prior-year quarter.
Credit quality improved during the quarter. Annualized net charge-offs declined to 0.42% of average loans, down from 0.54% in the first quarter.
Non-performing loans as a percentage of total loans declined to 0.67%, while business services criticized loans also declined.
The allowance for credit losses ratio was 1.63%, compared with 1.68% in the first quarter.
Regions ended the quarter with an estimated CET1 ratio of 10.7%.
The company repurchased about 2.1 million shares for $59 million and declared $226 million in dividends to common shareholders.
The board also declared a quarterly common stock dividend of $0.30 per share, representing a 13% increase from the prior quarter.
Regions also expanded its municipal finance capabilities through the acquisition of The Frazer Lanier Company, which closed on July 1, 2026.
Regions delivered a solid regional bank earnings report.
Adjusted EPS beat expectations, average loans increased, net interest margin remained strong, and credit quality improved from the first quarter. The bank also raised its dividend and maintained a strong capital position.
The key question is whether Regions can keep growing high-quality loans while maintaining deposit discipline and improving fee revenue.
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