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How Regions Financial Corporation (RF) makes money: Q3 2026 revenue breakdown
The quarter in brief
Revenue grew 3.0% y/y to $1.97B, pre-tax margin 39.9% vs 37.0%, net income $611M (+11.5% y/y).
Key growth driver: Net interest income — the fastest-growing revenue line: $1,298, +3% y/y. · by the Q3 2026 report
Net income available to common shareholders
$611M
up 11.5% y/y
Total revenue
$1,973M
up 3.0% y/y
Next report
not announced yet
How does Regions Financial make money?
Regions Financial brought in $1.97 billion of revenue in Q3 2026, up 3.0% year over year. The largest source was Net interest income: $1.30 billion, or 66% of the total, followed by Non-interest income ($675M, 34%). Net income for the quarter was $611 million, up 11.5% year over year.
Revenue by source, Q3 2026
- Net interest income$1.30B · 66% · +3.3%
- Non-interest income$675M · 34% · +2.4%
Shares of $1.97B total revenue; changes are year over year, as reported. ≈ marks lines derived from disclosed totals. The same flows are drawn in the Sankey chart below.
All figures in $M.
| Line item | Amount and change |
|---|---|
| Net interest income | $1,298 · +3.3% |
| Non-interest income | $675 · +2.4% |
| Total revenue | $1,973 · +3.0% |
| Non-interest expense | $1,118 · +1.4% |
| Provision for credit losses | $68 · −35.2% |
| Income before income taxes | $787 · +11.2% · 39.9% margin |
| Income tax expense | $156 · +12.2% · 19.8% effective rate |
| Preferred dividends | $20 · −4.8% |
| Net income available to common shareholders | $611 · +11.5% · $0.71/sh · 31.0% margin |
Verdict: revenue grew 3.0% y/y to $1.97B, pre-tax margin 39.9% vs 37.0%, net income $611M (+11.5% y/y).
Diluted EPS $0.71 vs $0.61 a year earlier (adjusted $0.73); net interest margin (FTE) 3.68%; efficiency ratio 56.2%; ROATCE 21%; estimated CET1 10.8%; interest-bearing deposit costs 1.70%.
Source and notation
Source: Regions Financial earnings release and its exhibits, 8-K EX-99 of 10/16/2026 (SEC EDGAR). Bank layout: total revenue = net interest income + noninterest income; noninterest expense and the provision for credit losses are deducted to reach pre-tax income; preferred dividends separate net income from net income available to common shareholders. The income statement lines were taken from the release by hand; the program found every figure in the release text and checked the accounting identities and the chart balance; SEC XBRL for this quarter is not published yet, so the XBRL check is pending.
Open the chart as a PNG image ↗ · for sharing and presentations · free to reuse, CC BY 4.0
- Earnings rose 11 percent and diluted EPS 16 percent year over year; EPS grew faster thanks to fewer shares (856 million diluted vs 894 million).
- Capital markets income hit a record, up 27 percent quarter over quarter to $107M on M&A advisory, underwriting, commercial swap and syndication revenue; wealth management income was $146M after a record second quarter.
- Credit: the provision fell to $68M from $105M a year earlier; annualized net charge-offs decreased to 0.29% of average loans from 0.42% in 2Q26, and the allowance was 1.61% of loans.
- Pre-tax income was $787M, a 39.9% margin vs 37.0% a year earlier.
- The effective tax rate was 19.8% vs 19.6% a year earlier.
- Diluted EPS was $0.71 vs $0.61 a year earlier.
What distorts the picture in this report and what to watch beyond the headlines.
Who runs the company now
- John M. Turner, Jr.Chairman, President and Chief Executive Officer [1]
- Anil D. ChadhaSenior Executive Vice President and Chief Financial Officer [2]
As of 10/20/2026, per the company’s SEC filings: signatures on the latest report and leadership-change filings.
Positions: the company’s SEC filings. Spotted an error, or is this you and you’d like it corrected or removed? Contact us
How this is compiled
Who runs the company now comes from primary sources only: for US companies, the CEO and CFO signatures on the latest SEC report, and a separate board chair from the proxy statement (DEF 14A); for Russian and Kazakh issuers, the company website and its disclosures. We recheck weekly; if a name can’t be confirmed, or a leadership-change filing came out after the report, we don’t show it until it’s reviewed. History comes from proxy statements, disclosures, Wikipedia and Wikidata; years show when a term started and ended, “since” means the person is in office now. An outcome for a previous employer is shown only when the linked document states it.
Sources · 2
- SEC EDGAR: 10-Q 2026-08-06 · SEC EDGAR · 10/20/2026
- SEC EDGAR: 10-Q 2026-08-06 · SEC EDGAR · 10/20/2026
Regions Financial Corporation is an American bank holding company headquartered in the Regions Center in Birmingham, Alabama. · Text: Wikipedia, CC BY-SA 4.0, abridged
The company provides retail and commercial banking, trust, stock brokerage, and mortgage services. Its banking subsidiary, Regions Bank, operates about 2,000 automated teller machines and 1,300 branches in 15 states in the Southern and Midwestern United States.
Company guidance
Same quarter a year ago (ended December 31, 2025): revenue $1.92B, EPS (GAAP) $0.59
How we calculate
Year-ago figures are GAAP, from the company's SEC filings (XBRL); EPS is diluted.
RF earnings history: past report dates
| Jul 17, 2026 Fri | 6:01 ambefore market open | Jun 30, 2026 | $1.9B+0% y/y | $0.64+8% y/y |
| Apr 17, 2026 Fri | 6:03 ambefore market open | Mar 31, 2026 | $1.9B+5% y/y | $0.62+22% y/y |
| Jan 16, 2026 Fri | 6:01 ambefore market open | Dec 31, 2025 | ≈$1.9B+6% y/y | ≈$0.59+7% y/y |
| Oct 17, 2025 Fri | 6:02 ambefore market open | Sep 30, 2025 | $1.9B+7% y/y | $0.61+24% y/y |
| Jul 18, 2025 Fri | 6:03 ambefore market open | Jun 30, 2025 | $1.9B+10% y/y | $0.59+13% y/y |
| Apr 17, 2025 Thu | 6:01 ambefore market open | Mar 31, 2025 | $1.8B+2% y/y | $0.51+38% y/y |
| Jan 17, 2025 Fri | 6:02 ambefore market open | Dec 31, 2024 | ≈$1.8B+0% y/y | ≈$0.55+34% y/y |
| Oct 18, 2024 Fri | 6:01 ambefore market open | Sep 30, 2024 | $1.8B−4% y/y | $0.49+0% y/y |
| Jul 19, 2024 Fri | 6:03 ambefore market open | Jun 30, 2024 | $1.7B−12% y/y | $0.52−12% y/y |
| Apr 19, 2024 Fri | 6:05 ambefore market open | Mar 31, 2024 | $1.7B−10% y/y | $0.37−40% y/y |
| Jan 19, 2024 Fri | 6:02 ambefore market open | Dec 31, 2023 | ≈$1.8B−9% y/y | ≈$0.41−41% y/y |
| Oct 20, 2023 Fri | 6:02 ambefore market open | Sep 30, 2023 | $1.9B−1% y/y | $0.49+14% y/y |
| Jul 21, 2023 Fri | 6:07 ambefore market open | Jun 30, 2023 | $2.0B+12% y/y | $0.59+0% y/y |
| Apr 18, 2023 Tue | 4:35 pmafter market close | Mar 31, 2023 | $2.0B+22% y/y | $0.62+13% y/y |
| Jan 20, 2023 Fri | 6:03 ambefore market open | Dec 31, 2022 | ≈$2.0B+22% y/y | ≈$0.70+63% y/y |
| Oct 21, 2022 Fri | 6:03 ambefore market open | Sep 30, 2022 | $1.9B+16% y/y | $0.43−34% y/y |
| Jul 22, 2022 Fri | 6:05 ambefore market open | Jun 30, 2022 | $1.7B+10% y/y | $0.59−23% y/y |
| Apr 22, 2022 Fri | 6:14 ambefore market open | Mar 31, 2022 | $1.6B−1% y/y | $0.55−13% y/y |
| Jan 20, 2022 Thu | 6:05 ambefore market open | Dec 31, 2021 | ≈$1.6B−3% y/y | ≈$0.43−30% y/y |
| Oct 22, 2021 Fri | 6:18 ambefore market open | Sep 30, 2021 | $1.6B−2% y/y | $0.65+25% y/y |
| Jul 23, 2021 Fri | 6:49 ambefore market open | Jun 30, 2021 | $1.6B+2% y/y | $0.77 |
| Apr 23, 2021 Fri | 6:21 ambefore market open | Mar 31, 2021 | $1.6B+14% y/y | $0.63+350% y/y |
| Jan 21, 2021 Thu | 9:03 pmafter market close | Dec 31, 2020 | ≈$1.7B+14% y/y | ≈$0.61+65% y/y |
| Oct 19, 2020 Mon | 5:59 pmafter market close | Sep 30, 2020 | $1.6B+10% y/y | $0.52+33% y/y |
| Jul 16, 2020 Thu | 7:10 pmafter market close | Jun 30, 2020 | $1.5B+8% y/y | −$0.25 |
| Apr 16, 2020 Thu | 7:03 pmafter market close | Mar 31, 2020 | $1.4B−3% y/y | $0.14−62% y/y |
| Jan 17, 2020 Fri | 6:12 ambefore market open | Dec 31, 2019 | ≈$1.5B+3% y/y | ≈$0.37−3% y/y |
| Oct 22, 2019 Tue | 6:08 ambefore market open | Sep 30, 2019 | $1.5B+2% y/y | $0.39−22% y/y |
| Jul 18, 2019 Thu | 6:04 pmafter market close | Jun 30, 2019 | $1.4B−0% y/y | $0.37+16% y/y |
| Apr 17, 2019 Wed | 6:18 pmafter market close | Mar 31, 2019 | $1.4B+2% y/y | $0.37+6% y/y |
| Jan 17, 2019 Thu | 6:00 pmafter market close | Dec 31, 2018 | ≈$1.4B+2% y/y | ≈$0.38+41% y/y |
| Oct 22, 2018 Mon | 5:52 pmafter market close | Sep 30, 2018 | $1.5B+6% y/y | $0.50+100% y/y |
| Jul 19, 2018 Thu | 6:13 pmafter market close | Jun 30, 2018 | $1.4B+5% y/y | $0.32+28% y/y |
| Apr 19, 2018 Thu | 6:15 pmafter market close | Mar 31, 2018 | $1.4B+6% y/y | $0.35+52% y/y |
| Jan 18, 2018 Thu | 5:58 pmafter market close | Dec 31, 2017 | ≈$1.4B+15% y/y | ≈$0.27+23% y/y |
| Oct 23, 2017 Mon | 6:02 pmafter market close | Sep 30, 2017 | $1.4B−4% y/y | $0.25+4% y/y |
| Jul 20, 2017 Thu | 5:57 pmafter market close | Jun 30, 2017 | $1.4B−0% y/y | $0.25+25% y/y |
| Apr 17, 2017 Mon | 6:05 pmafter market close | Mar 31, 2017 | $1.3B−3% y/y | $0.23+15% y/y |
| Jan 19, 2017 Thu | 5:38 pmafter market close | Dec 31, 2016 | ≈$1.2B−9% y/y | ≈$0.22+5% y/y |
| Oct 17, 2016 Mon | 5:45 pmafter market close | Sep 30, 2016 | $1.4B+8% y/y | $0.24+33% y/y |
| Jul 18, 2016 Mon | 6:30 pmafter market close | Jun 30, 2016 | $1.4B−3% y/y | $0.20+0% y/y |
| Apr 14, 2016 Thu | 6:28 pmafter market close | Mar 31, 2016 | $1.4B+6% y/y | $0.20+25% y/y |
| Jan 14, 2016 Thu | 6:15 pmafter market close | Dec 31, 2015 | ≈$1.4B+4% y/y | ≈$0.21+40% y/y |
| Oct 19, 2015 Mon | 6:25 pmafter market close | Sep 30, 2015 | $1.3B+3% y/y | $0.18−18% y/y |
| Jul 20, 2015 Mon | 6:30 pmafter market close | Jun 30, 2015 | $1.4B+9% y/y | $0.20−5% y/y |
| Apr 20, 2015 Mon | 5:55 pmafter market close | Mar 31, 2015 | $1.3B+1% y/y | $0.16−27% y/y |
| Jan 20, 2015 Tue | 6:25 ambefore market open | Dec 31, 2014 | ≈$1.3B−10% y/y | ≈$0.15+15% y/y |
| Oct 20, 2014 Mon | 9:02 pmafter market close | Sep 30, 2014 | $1.3B−2% y/y | $0.22+10% y/y |
| Jul 21, 2014 Mon | 6:20 pmafter market close | Jun 30, 2014 | $1.3B−1% y/y | $0.21+17% y/y |
| Apr 21, 2014 Mon | 6:26 pmafter market close | Mar 31, 2014 | $1.3B−2% y/y | $0.22−4% y/y |
| Jan 21, 2014 Tue | 6:50 ambefore market open | Dec 31, 2013 | ≈$1.4B+6% y/y | ≈$0.13−28% y/y |
| Oct 22, 2013 Tue | 7:01 ambefore market open | Sep 30, 2013 | $1.3B−2% y/y | $0.20−5% y/y |
| Jul 23, 2013 Tue | 7:00 ambefore market open | Jun 30, 2013 | $1.3B−3% y/y | $0.18−10% y/y |
| Apr 23, 2013 Tue | 7:01 ambefore market open | Mar 31, 2013 | $1.3B−4% y/y | $0.23+109% y/y |
| Jan 22, 2013 Tue | 7:01 ambefore market open | Dec 31, 2012 | ≈$1.4B−0% y/y | ≈$0.18 |
| Oct 23, 2012 Tue | 7:01 ambefore market open | Sep 30, 2012 | $1.4B−1% y/y | $0.21+163% y/y |
| Jul 24, 2012 Tue | 7:04 ambefore market open | Jun 30, 2012 | $1.3B−4% y/y | $0.20+400% y/y |
| Apr 24, 2012 Tue | 7:01 ambefore market open | Mar 31, 2012 | $1.4B−6% y/y | $0.11 |
| Jan 11, 2012 Wed | 4:32 pmafter market close | Dec 31, 2011 | ≈$1.4B | ≈−$0.48 |
| Oct 25, 2011 Tue | 7:00 ambefore market open | Sep 30, 2011 | $1.4B | $0.08 |
| Jul 26, 2011 Tue | 7:01 ambefore market open | Jun 30, 2011 | $1.4B | $0.04 |
Show all 61 reports since 2011Show fewer
How we count
Report date and time — when the company filed its results press release with the SEC (Form 8-K, Item 2.02); the regular session runs 9:30 am – 4:00 pm ET. Companies that file the 8-K late in the evening publish the release the next morning: the date is that morning, before market open, and the evening filing time is not shown. Revenue and diluted EPS — the company’s XBRL filings, EPS adjusted for stock splits; ≈ — fourth quarter derived as full year minus three quarters. Source: SEC EDGAR.
Regions Financial Corporation: 15-year financials
| 2025 | 7,526 | 53 | 2,156 | 912 |
| 2024 | 7,083 | 95 | 1,893 | 890 |
| 2023 | 7,576 | 212 | 2,074 | 787 |
| 2022 | 7,215 | 56 | 2,245 | 663 |
| 2021 | 6,438 | 46 | 2,521 | 608 |
| 2020 | 6,287 | — | 1,094 | 595 |
| 2019 | 5,861 | — | 1,582 | 577 |
| 2018 | 5,754 | — | 1,759 | 452 |
| 2017 | 5,501 | — | 1,263 | 346 |
| 2016 | 5,409 | — | 1,163 | 317 |
| 2015 | 5,378 | — | 1,062 | 304 |
| 2014 | 5,183 | — | 1,147 | 247 |
| 2013 | 5,359 | — | 1,091 | 138 |
| 2012 | 5,400 | — | 1,120 | 54 |
| 2011 | 5,553 | — | −215 | 51 |
$ millions, annual 10-K reports on SEC EDGAR (US GAAP)*.
How we calculate
Figures are annual report lines; if a year was later restated (discontinued operations, mergers), we use the latest filing that shows it. Free cash flow is operating cash flow minus capital expenditures; dividends are cash paid to common shareholders during the year. “—” means the line isn’t in the filing. The table starts in 2011; where the listed issuer changed (holding reorganization, redomicile), earlier years come from the predecessor’s filings.
Shareholders’ equity at Jun 30, 2026: $18.8B (12% of total assets). Compare with other S&P 500 companies →
Included in screener lists: S&P 500 companies that paid dividends 10 years without a gap
Regions Financial Corporation (RF) earnings: FAQ
How does Regions Financial make money?
Regions Financial brought in $1.97 billion of revenue in Q3 2026, up 3.0% year over year. The largest source was Net interest income: $1.30 billion, or 66% of the total, followed by Non-interest income ($675M, 34%). Net income for the quarter was $611 million, up 11.5% year over year.
When is RF's next earnings date?
We have not yet seen an announcement of the date from Regions Financial Corporation (RF). Based on last year's report on Jan 16, 2026, the next report is expected around Jan 15, 2027.
What time does RF report earnings?
Regions Financial Corporation usually reports before market open: its latest results release was filed with the SEC at 6:01 am ET on Oct 16, 2026.
When did RF last report earnings?
Regions Financial Corporation reported Q3 2026 results on Oct 16, 2026.
Where can I find Regions Financial Corporation's financial statements?
On SEC EDGAR: quarterly reports (10-Q), the annual report (10-K) and earnings releases (8-K). The “Verified” badge next to the chart links to RF's filings; this page breaks the latest report down in a Sankey chart.
What was RF's net income in Q3 2026?
Regions Financial Corporation reported net income of $611M for Q3 2026 (+11.5% year over year), under US GAAP.
Does Regions Financial Corporation pay dividends?
Yes. In 2025, Regions Financial Corporation paid $912M in dividends on its common stock, per its 10-K. Earlier years are in the 15-year table above.
How has Regions Financial Corporation's revenue changed since 2011?
Per its 10-K filings, revenue grew 1.4x: $5,553M in 2011 and $7,526M in 2025. The peak was $7,576M in 2023. Year-by-year figures are in the table above.
New to earnings reports? Start with how to read an earnings report.
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