Regions Financial Corp.
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+ FollowMarket Cap$24.34B
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Earnings Call Q3 2026
October 16, 2026 - AI Summary
Strong Q3 earnings + consistent franchise performance
- Reported $611M net income; EPS $0.71; adjusted $622M / EPS $0.73.
- Adjusted pretax pre-provision income: $870M; adjusted return on tangible common equity: 22%.
- Management emphasized consistency while investing in talent, technology, and products to strengthen the franchise; customer engagement remains healthy across consumer and commercial.
Credit quality remained a standout strength (but risk management continues)
- Annualized net charge-offs: 29 bps of average loans (down 13 bps linked-quarter), indicating improving/solid asset quality.
- Business services criticized ratio: 4.71% (down 30 bps); nonperforming loans: 59 bps (down 8 bps).
- Allowance for credit losses ratio: 1.61% (down 2 bps), with reserves largely stable.
- Full-year outlook: still expects net charge-offs 40–50 bps, now tracking toward the low end; they’re watching specific problem portfolios (could create quarter-to-quarter variability).
Net interest income/margin momentum: margin expected near ~3.73% exiting Q3, modest Q4 NII growth
- NII up 2% linked-quarter; NIM up 2 bps to 3.68%.
- Deposit costs were stable (up 1 bp to 1.70%); management expects interest-bearing beta mid-to-high 30s through the rising rate cycle (mostly neutral interest rate risk position).
- Q4 forecast (key):
- NII up ~1%–2%
- NIM ~3.70%
- Tailwinds from structural repricing, disciplined deposit costs, balance sheet expansion, and seasonal effects; also noted a modest lift in Q4 from rate-hike deposit repricing lags.
- Surprising/important constraint: loan growth moderated, and they flagged investor real estate as a place where new activity is slowing due to higher rates making economics harder.
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$32.84
13.1% upside
Current Fair Value
13.1% upsideUndervalued by 13.1% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $24.34 Billion |
|---|---|
| Enterprise Value | $22.04 Billion |
| Annual dividend | $1.09 |
| Dividend yield | 3.83% |
| Earnings per Share | $2.31 |
| Beta | 1.06 |
| Outstanding Shares | 852,000,000 |
Return
| Return on Equity | 12.18% |
|---|---|
| Return on Assets | 1.42% |
| Return on Invested Capital | 7.76% |
Valuation & Multiples
| P/E Ratio | 11.07 |
|---|---|
| PEG | -646.3 |
| Price to Sales | 2.9 |
| Price to Book Ratio | 1.32 |
| Enterprise Value to Revenue | 2.44 |
| Enterprise Value to EBIT | 10.3 |
| Enterprise Value to Net Income | 9 |
| Total Debt to Enterprise | 0.35 |
| Debt to Equity | 0.4 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 16, 2026
EPS Estimate
$0.67
Consensus analyst estimateRevenue Estimate
$1.99 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 15, 2027
EPS Estimate
$0.70
Consensus analyst estimateRevenue Estimate
$2.01 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.0000▼ 59.38% |
|---|---|
| Total Calls | -▼ 100.00% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 4.06%▼ 82.93% |
|---|---|
| Total Invested | $933.98M▼ 95.88% |
| Investors Holding | 402▼ 741.00% |
About Regions Financial Corp.
19,406 employees
CEO: John Turner
Regions Financial Corporation, a financial holding entity, delivers a comprehensive suite of banking and related financial services to a diverse clientele of individuals and businesses. Its operations are structured into three core divis...