NYSE$RF
Regions Financial Corp · Q2 2026 earnings
Q2 2026 earnings · · Before market open · Investor relations
Briefing
Regions Financial Corp reported net income of $549 million and diluted EPS of $0.64 for the second quarter of 2026.
Regions reported second quarter 2026 earnings of $549 million and diluted EPS of $0.64, with adjusted earnings of $583 million and adjusted EPS of $0.68. Total revenue was $1.907 billion, up modestly year-over-year, supported by loan growth and stable net interest margin of 3.66%. Credit quality improved with net charge-offs declining to 0.42% and CET1 ratio remaining strong at 10.7%.
- Diluted EPS rose 8% and adjusted diluted EPS rose 13% year-over-year despite relatively stable total revenue.
- Average loans grew 2% quarter-over-quarter driven by broad-based C&I lending, while average deposits grew modestly.
- Wealth management income reached a new record at $150 million, up 6% sequentially.
- Net charge-offs fell 12 bps to 0.42% annualized and business services criticized loans declined, with ACL/NPLs rising to 241%.
Headline financials
Revenue & EPS history
Regions · Revenue · Quarterly
$1.91B
Revenue by segment
Regions · $630M total across 10 segments · Q2 2026
- Service charges on deposit accounts$167M—26.5%
- Wealth management income$150M—23.8%
- Card and ATM fees$126M—20.0%
- Capital markets income$84M—13.3%
- Other miscellaneous income$35M—5.6%
- Mortgage income$33M—5.2%
- Commercial credit fee income$28M—4.4%
- BOLI income$24M—3.8%
- Market value adjustments on employee benefit assets$24M—3.8%
- Securities gains (losses), net-$41M—-6.5%
Forward guidance
Management highlighted continued strategic execution and momentum into the second half of 2026 with focus on customer growth and technology investments.
Tailwinds
- Solid organic capital generation supporting robust CET1 ratio
- Record wealth management income and expanding capital markets capabilities via acquisition
- High-quality loan growth and improving credit metrics
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports
+0.4%
Avg return
Earnings day
+1.5%
Avg return
5 days after
+4.7%
Avg return
30 days after
57%
41 / 72 earnings
Positive
+9.2%
Q1 2012
Best reaction
-13.9%
Q3 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q2 2026 | — | — | — | |
| Q4 2025 | -2.7% | +1.0% | -4.5% | |
| Q1 2026 | -2.2% | +1.0% | -4.5% | |
| Q3 2025 | +0.9% | +3.3% | +6.9% | |
| Q2 2025 | +0.8% | -0.5% | +5.1% | |
| Q1 2025 | +0.7% | +3.2% | +17.8% | |
| Q3 2024 | -1.5% | -1.4% | +9.9% | |
| Q2 2024 | +1.4% | +0.1% | -2.7% | |
| Q1 2024 | +0.9% | +4.1% | +6.2% | |
| Q4 2023 | +6.2% | +7.2% | +3.0% | |
| Q3 2023 | -13.9% | -14.7% | -0.4% | |
| Q2 2023 | -1.7% | -0.6% | -4.0% | |
| Q1 2023 | -3.1% | -6.2% | -10.7% | |
| Q4 2022 | +5.9% | +5.6% | +10.0% | |
| Q3 2022 | +4.1% | +7.9% | +13.9% | |
| Q2 2022 | +4.5% | +3.9% | +10.9% | |
| Q1 2022 | +0.3% | -1.3% | -6.5% | |
| Q4 2021 | -6.6% | -1.8% | +0.2% | |
| Q3 2021 | +4.0% | +0.4% | +1.8% | |
| Q2 2021 | +2.0% | +2.4% | +5.6% | |
| Q1 2021 | +4.0% | +5.5% | +12.2% | |
| Q4 2020 | -0.4% | -3.6% | +14.5% | |
| Q3 2020 | +3.6% | +11.7% | +25.3% | |
| Q2 2020 | -5.3% | +0.0% | +9.0% | |
| Q1 2020 | +6.2% | +2.7% | +3.8% | |
| Q4 2019 | -2.4% | -2.6% | -0.7% | |
| Q3 2019 | +1.3% | +2.1% | +2.6% | |
| Q2 2019 | +2.2% | +7.8% | -4.7% | |
| Q1 2019 | -3.3% | -2.5% | -8.6% | |
| Q4 2018 | -0.1% | -1.5% | +2.5% | |
| Q3 2018 | -5.7% | -2.0% | -3.5% | |
| Q2 2018 | +3.7% | +3.8% | +10.6% | |
| Q1 2018 | +3.9% | +4.8% | +5.4% | |
| Q4 2017 | +5.6% | +7.1% | +7.2% | |
| Q3 2017 | +3.0% | +4.0% | +2.9% | |
| Q2 2017 | +0.6% | +1.0% | -1.7% | |
| Q1 2017 | -4.5% | -3.7% | +0.1% | |
| Q4 2016 | -0.5% | +4.6% | +10.0% | |
| Q3 2016 | +5.3% | +6.3% | +31.6% | |
| Q2 2016 | -2.6% | -1.4% | +5.1% | |
| Q1 2016 | +3.3% | — | — | |
| Q4 2015 | -3.3% | — | — | |
| Q3 2015 | +1.0% | — | — | |
| Q2 2015 | +4.9% | — | — | |
| Q1 2015 | +1.5% | — | — | |
| Q4 2014 | -4.0% | — | — | |
| Q3 2014 | +1.1% | — | — | |
| Q2 2014 | -0.9% | — | — | |
| Q1 2014 | +1.3% | — | — | |
| Q4 2013 | +4.3% | — | — | |
| Q3 2013 | -4.5% | — | — | |
| Q2 2013 | -1.9% | — | — | |
| Q1 2013 | +6.3% | — | — | |
| Q4 2012 | +3.1% | — | — | |
| Q4 2011 | +2.1% | — | — | |
| Q3 2012 | -8.8% | — | — | |
| Q2 2012 | +8.1% | — | — | |
| Q1 2012 | +9.2% | — | — | |
| Q3 2011 | +3.6% | — | — | |
| Q2 2011 | -11.6% | — | — | |
| Q1 2011 | +0.8% | — | — | |
| Q4 2010 | -1.4% | — | — | |
| Q3 2010 | +6.9% | — | — | |
| Q2 2010 | -1.5% | — | — | |
| Q1 2009 | -4.3% | — | — | |
| Q1 2010 | +2.0% | — | — | |
| Q4 2009 | -0.6% | — | — | |
| Q4 2008 | -0.6% | — | — | |
| Q4 2007 | -0.6% | — | — | |
| Q3 2008 | -0.6% | — | — | |
| Q3 2009 | -0.6% | — | — | |
| Q2 2008 | +0.4% | — | — | |
| Q2 2009 | +0.4% | — | — |
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