10-K · February 24, 2026
Regions Financial’s 2025 10-K shows a modestly improved operating performance versus 2024 with higher annual revenue (~$9.62B) and diluted EPS (~$2.29) driven by margin expansion (79.8% gross margin in 2025Q4; 29.4%…
Earnings analysis · 10-Q
RF earnings analysis
Filed May 7, 2026 · Our reading of the company's report
The latest report
Regions Financial Corporation reported a strong Q1 2026, achieving a net income of $539 million, an increase from $465 million a year earlier, reflecting effective cost management and increased non-interest income.…
Read full summary
Regions Financial Corporation reported a strong Q1 2026, achieving a net income of $539 million, an increase from $465 million a year earlier, reflecting effective cost management and increased non-interest income. Operating metrics showed solid performance despite a slight revenue decline compared to the consensus estimate, attributed to lower funding costs driving net interest income and margin improvements.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.62
- Segment
- Corporate Bank
- Segment
- Consumer Bank
- Segment
- Wealth Management
What stood out
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EPS Beat Consensus
Regions reported diluted EPS of $0.62, exceeding consensus estimates of $0.60 by 3.33%.
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Year-over-Year Net Income Growth
Net income available to common shareholders rose to $539 million from $465 million in Q1 2025, a 15.9% increase.
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Increase in Non-interest Income
Non-interest income grew to $625 million, up from $590 million in Q1 2025, primarily driven by investment management and capital markets income.
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Strong Net Interest Margin
The net interest margin improved to 3.67%, a 15 basis point increase from the same period last year.
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Decrease in Provision for Credit Losses
Provision for credit losses dropped to $91 million from $124 million year-over-year, indicating improved asset quality.
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Increased Cash Reserves
Cash and cash equivalents increased by approximately $236 million to $3.5 billion due to higher borrowed funds.
What to watch
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Slight Decline in Revenue
Q1 2026 revenue fell to $1.87 billion, missing the estimate of $1.92 billion by 2.22%.
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Increased Non-interest Expenses
Non-interest expenses increased to $1.1 billion from $1.04 billion in the same quarter last year, up 2.8%.
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Regulatory and Capital Requirements Risk Remains
Regions continues to navigate regulatory pressures and compliance, particularly related to capital requirements under Basel III.
Management's outlook
Outlook deferred to earnings press release / call.
Earlier filings 4
10-Q · November 4, 2025
Regions reported quarter-over-year revenue growth to $2,455.0M (total interest income $1,796M + non-interest income $659M) and net income rose to $569M (diluted EPS $0.61) in 3Q25. Operating profitability improved…
10-Q · August 6, 2024
Regions reported lower top-line and earnings versus the year-ago quarter: net interest income fell to $1,186M and non-interest income to $545M, driving a combined operating revenue of $1,731M. Net income was $501M…
10-Q · November 3, 2022
Q3 2022 results show revenue strength driven by higher net interest income but meaningful pressure on earnings from higher provision and rising non‑interest expense. Total revenue (net interest income $1,262M +…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.