Regions Financial's results for Q3 2026 (quarter ended Sep 30, 2026) come from the company's own earnings release, filed with the SEC on 2026-10-16. Everything below is taken from that filing; quotes are copied exactly. Company outlooks are the company's own.
At a glance
| Item | Value |
|---|---|
| Revenue (GAAP) | $1,973 million (+3.0% vs a year earlier) |
| Diluted EPS (GAAP) | $0.71 |
| Adjusted per-share figure (company's non-GAAP measure; FFO/AFFO for REITs) | $0.73 |
| Full-year guidance | Reaffirmed |
Guidance
Regions continues to expect 2026 adjusted non-interest income up 3–5% (toward low end) and adjusted expenses up 1.5–3.5%; NII seen up 2.5–4%.
Why this label: EX-99.3: 'Continue to expect' FY26 adjusted non-interest income +3–5% (toward lower end); NII +2.5–4% has no change wording; no priors.
| Metric | Period | New | Prior (as stated in the release) |
|---|---|---|---|
| adjusted non-interest income growth vs FY2025 | FY2026 | up 3–5% (tracking toward lower end) | not stated |
| adjusted non-interest expense growth vs FY2025 | FY2026 | up 1.5–3.5% | not stated |
| net charge-offs / average loans | FY2026 | 40–50 bps (trending toward low end) | not stated |
| average deposits vs FY2025 | FY2026 | up low single digits | not stated |
| net interest income vs FY2025 ($4,991M) | FY2026 | up 2.5–4% | not stated |
| average loans vs FY2025 ($96,124M) | FY2026 | up low single digits | not stated |
| effective tax rate | FY2026 | 20.5–21.5% | not stated |
Next-quarter outlook:
| Metric | Period | Range |
|---|---|---|
| net interest income vs 3Q26 | Q4 2026 | up 1–2% |
| net interest margin | Q4 2026 | ~3.70% |
| capital markets revenue | Q4 2026 | $90–105 million |
From the release
Revenue: "Total revenue · $ · 1,973 · $ · 1,907 · $ · 1,916"
Earnings per share: "today reported third quarter 2026 earnings of $611 million and diluted earnings per share (EPS) of $0.71. On an adjusted basis, earnings (1) were $622 million and diluted EPS (1) was $0.73."
adjusted non-interest income growth vs FY2025: "Continue to expect FY26 adjusted non-interest income to grow 3 – 5% vs FY25,(4) with results currently tracking toward the lower end of the range"
adjusted non-interest expense growth vs FY2025: "Continue to expect FY26 adjusted NIE (inclusive of investments) to be up 1.5 – 3.5% vs FY25"
net charge-offs / average loans: "Continue to expect FY26 NCOs to be between 40 - 50bps, trending toward the low end of the range"
Quotes are copied from the filing; in table rows, cell borders are shown as “·”.
Key fact: Q3 diluted EPS rose 16% to $0.71; net charge-offs fell to 29 bps.
Source
Regions Financial earnings release (SEC filing), accession 0001281761-26-000063, filed 2026-10-16.
Part of the Q3 2026 Guidance Tracker. Educational only, not advice. Free weekly recap every Sunday: yieldterminalpro.com/newsletter.