Regions Financial Q3 2026 earnings: EPS rises to $0.71, up 16% from a year ago, as NII and fees grow

Regions Financial delivered higher earnings and a wider net interest margin in the third quarter, with fee businesses also contributing to the beat versus a year ago.

The Birmingham-based bank reported earnings of $611 million, or $0.71 per diluted share, according to its release Friday. On an adjusted basis, earnings were $622 million and diluted EPS was $0.73. On both a reported and adjusted basis, earnings rose 11% and diluted EPS rose 16% from the third quarter of 2025, the company said. Versus the second quarter, diluted EPS rose from $0.64 reported and $0.68 adjusted.

Net interest income increased to $1.298 billion from $1.277 billion in the prior quarter and $1.257 billion a year earlier. The fully taxable-equivalent net interest margin widened to 3.68% from 3.66% in the second quarter and 3.59% a year ago. Noninterest income rose to $675 million from $630 million in the prior quarter, and total revenue reached $1.973 billion.

Credit costs eased. The provision for credit losses was $68 million, matching the second quarter and down from $105 million a year earlier. Annualized net charge-offs fell to 0.29% of average loans from 0.42% in the prior quarter. The allowance for credit losses ratio was 1.61%, and estimated common equity Tier 1 capital stood at 10.8%.

Average loans edged up to $99.2 billion, while average deposits were $129.1 billion. Regions said capital markets income, excluding customer derivative valuation adjustments, and treasury management income each set quarterly records. The company repurchased about 3 million common shares for $95 million in the open market during the quarter.

Chairman, President and CEO John Turner said in the release that "strong credit quality, continued momentum in fee-based businesses, and economically vibrant markets" supported the quarter.

By the numbers

• Diluted EPS: $0.71 (adj. $0.73); up 16% vs. year-ago reported/adjusted
• Net income to common: $611 million; adj. $622 million
• Net interest income: $1.298 billion; NIM (FTE) 3.68%
• Total revenue: $1.973 billion
• Provision for credit losses: $68 million; NCOs 0.29% of avg loans
• CET1 (est.): 10.8%; buybacks ~3 million shares for $95 million

Sources

1. Regions Financial Corporation, Form 8-K (Items 2.02, 7.01, 9.01), filed Oct. 16, 2026, accession 0001281761-26-000063
2. Regions Financial Corporation, earnings press release (Exhibit 99.1), Oct. 16, 2026

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