Regions Financial (RF) official guidance
Regions Financial (RF) official earnings guidance and management outlook. Each figure management stated is shown with its revisions and the source quote.
See the full Filings Intelligence suiteRFREGIONS FINANCIAL CORPFY2026 · ends 2026-12-31
4 metrics4 maintainedearnings call · 2026-07-18 04:01:32 UTC
2026-07-18 04:01:32 UTCup low single digitsmaintained1% – 3% vs FY2025
We continue to expect 2026 average deposits to be up low single digits versus the prior year.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
2026-04-18 04:01:51 UTCup low single digitsmaintained1% – 3% vs FY2025
As a result, we continue to expect 2026 average deposits to be up low single digits versus the prior year.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
2026-01-17 05:01:23 UTCup low single digitsnew1% – 3% vs FY2025
As a result, we again expect 2026 average deposits to be up low single digits versus the prior year.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
2026-07-18 04:01:32 UTCup low single digitsmaintained1% – 3% vs FY2025
We continue to expect full-year average loan growth to be up low single digits versus 2025.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
2026-04-18 04:01:51 UTClow single digits1% – 3% vs FY2025
With respect to our full-year growth expectations, we continue to expect full-year average loans to be at low single digits versus 2025.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
2026-01-17 05:01:23 UTCup below single digitsnew
For the full year, we expect average loans to be up below single digits versus 2025.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
2026-07-18 04:01:32 UTC40 bps – 50 bpsmaintained
We continue to expect full-year 2026 net charge-offs to be between 40 basis points and 50 basis points.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
2026-04-18 04:01:51 UTC40 bps – 50 bpsmaintained
We expect full-year 2026 net charge-offs to be between 40 and 50 basis points.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
2026-01-17 05:01:23 UTC40 bps – 50 bpsnew
We expect full year 2026 net charge-offs to be between 40 and 50 basis points.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
2026-07-18 04:01:32 UTC2.5% – 4%maintained2.5% – 4% vs FY2025
Third quarter net interest income is expected to increase approximately 2%, progressing toward the middle of our 2.5%-4% full-year outlook.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
2026-04-18 04:01:51 UTC2.5% – 4%maintained2.5% – 4% vs FY2025
For full year 2026, we reiterate our net interest income expectation of between 2.5% and 4% growth and for the net interest margin to exit the year in the low 3.70s.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
2026-01-17 05:01:23 UTC2.5% – 4%new2.5% – 4% vs FY2025
Turning our attention to 2026, we expect net interest income to grow between 2.5% and 4%.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
RFREGIONS FINANCIAL CORPQ3 FY2026 · ends 2026-09-30
1 metric1 newearnings call · 2026-07-18 04:01:32 UTC
2026-07-18 04:01:32 UTC2%new
Third quarter net interest income is expected to increase approximately 2%, progressing toward the middle of our 2.5%-4% full-year outlook.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
RFREGIONS FINANCIAL CORPFY2026 · ends 2026-12-31
1 metric1 newearnings call · 2026-07-18 04:01:32 UTC
2026-07-18 04:01:32 UTC3.7%new
Based on our current expectations for loan growth, we expect our net interest margin to exit the year at approximately 3.7%.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
RFREGIONS FINANCIAL CORPQ3 FY2026 · ends 2026-09-30
1 metric1 newearnings call · 2026-07-18 04:01:32 UTC
2026-07-18 04:01:32 UTCflat to slightly upnew
When we look out to the third quarter, we expect to be flat to slightly up.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
RFREGIONS FINANCIAL CORPFY2026 · ends 2026-12-31
7 metrics2 new3 maintainedearnings call · 2026-07-18 04:01:32 UTC
2026-07-18 04:01:32 UTC3% – 5%maintained3% – 5% vs FY2025
For full year 2026, we continue to expect adjusted non-interest income to grow between 3% and 5% versus 2025.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
2026-04-18 04:01:51 UTC3% – 5%maintained3% – 5% vs FY2025
For full year 2026, we continue to expect adjusted non-interest income to grow between 3%-5% versus 2025.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
2026-01-17 05:01:23 UTC3% – 5%new3% – 5% vs FY2025
For full year 2026, we expect adjusted non-interest income to grow between 3% and 5% versus 2025.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
2026-07-18 04:01:32 UTC1.5% – 3.5%maintained1.5% – 3.5% vs FY2025
For full year 2026, we continue to expect adjusted non-interest expense to be up between 1.5% and 3.5%, and we expect to deliver full-year adjusted positive operating leverage.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
2026-04-18 04:01:51 UTC1.5% – 3.5%maintained1.5% – 3.5% vs FY2025
For full year 2026, we expect adjusted non-interest expense to be up between 1.5% and 3.5% and we expect to deliver full year adjusted positive operating leverage.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
2026-01-17 05:01:23 UTC1.5% – 3.5%new1.5% – 3.5% vs FY2025
For full year 2026, we expect adjusted non-interest expense to be up between 1.5%-3.5%, and we expect to deliver full-year adjusted positive operating leverage.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
2026-07-18 04:01:32 UTCpositive operating leverage
For full year 2026, we continue to expect adjusted non-interest expense to be up between 1.5% and 3.5%, and we expect to deliver full-year adjusted positive operating leverage.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
2026-04-18 04:01:51 UTCfull year adjusted positive operating leverage
For full year 2026, we expect adjusted non-interest expense to be up between 1.5% and 3.5% and we expect to deliver full year adjusted positive operating leverage.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
2026-01-17 05:01:23 UTCpositive operating leveragenew
For full year 2026, we expect adjusted non-interest expense to be up between 1.5%-3.5%, and we expect to deliver full-year adjusted positive operating leverage.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
2026-07-18 04:01:32 UTC$360M – $380Mnew
We should end the year somewhere between $360 million and $380 million, I think.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
2026-07-18 04:01:32 UTC$90M – $105Mmaintained
We continue to expect quarterly revenue to increase within our $90 million-$105 million range, trending towards the lower end of the range in the third quarter and moving higher thereafter.
RF · transcript · Q2 FY2026
2026-07-18 04:00:00 UTCOpen source
2026-04-18 04:01:51 UTC$90M – $105Mmaintained
Despite ongoing headwinds associated with market volatility and elevated interest rates, we continue to expect capital markets' quarterly revenue to increase within our $90 million-$105 million range, trending near the lower end of the range in the second quarter and moving higher thereafter.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
2026-01-17 05:01:23 UTC$90M – $105Mnew
For 2026, we expect Capital Markets quarterly revenue of $90-$105 million, trending near the lower end of the range early in the year and moving higher as the year progresses.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
2026-04-18 04:01:51 UTC1.6%new
I'd just add, as all that happens, our 1.68% allowance ratio should approximate down to the 1.62% that we disclose our kind of day one.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
2026-04-18 04:01:51 UTC10.4%
Taken together, the proposed changes are expected to result in a fully implemented Basel III common equity Tier 1 ratio of approximately 10.4% on a pro forma basis.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
2026-01-17 05:01:23 UTCaround this levelnew
We expect to manage Common Equity Tier 1 inclusive of AOCI around this level, providing meaningful flexibility to meet proposed and evolving regulatory changes, support strategic growth, and continue increasing the dividend and repurchasing shares commensurate with earnings.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
RFREGIONS FINANCIAL CORPQ2 FY2026 · ends 2026-06-30
1 metric1 newearnings call · 2026-04-18 04:01:51 UTC
2026-04-18 04:01:51 UTC2%new
In the second quarter, we expect a strong rebound with approximately 2% net interest income growth, followed by additional expansion in subsequent quarters.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
RFREGIONS FINANCIAL CORPQ4 FY2026 · ends 2026-12-31
1 metric1 loweredearnings call · 2026-04-18 04:01:51 UTC
2026-04-18 04:01:51 UTClow 3.70slowered -0.3%
For full year 2026, we reiterate our net interest income expectation of between 2.5% and 4% growth and for the net interest margin to exit the year in the low 3.70s.
RF · transcript · Q1 FY2026
2026-04-18 04:00:00 UTCOpen source
2026-01-17 05:01:23 UTClow to mid-370snew
A continuation of positive trends throughout the year supports a low to mid-370s net interest margin in the fourth quarter of 2026.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
RFREGIONS FINANCIAL CORPFY2026 · ends 2026-12-31
1 metric1 maintainedearnings call · 2026-01-17 05:01:23 UTC
2026-01-17 05:01:23 UTC20.5% – 21.5%maintained
For the full year 2026, we expect the effective tax rate to return to the 20.5%-21.5% range.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
2026-01-16 11:01:37 UTC20.5% – 21.5%new
The effective tax rate for full year 2026 is expected to return to the 20.5 to 21.5 percent range.
RF · EX-99.1 · Q4 FY2025
2026-01-16 11:01:15 UTCOpen source
RFREGIONS FINANCIAL CORPQ1 FY2026 · ends 2026-03-31
1 metric1 newearnings call · 2026-01-17 05:01:23 UTC
2026-01-17 05:01:23 UTC3.7%new
We expect the margin to be around 3.7% in the first quarter, elevated by day count.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
RFREGIONS FINANCIAL CORPFY2026 · ends 2026-12-31
1 metric1 newearnings call · 2026-01-17 05:01:23 UTC
2026-01-17 05:01:23 UTC10% – 12%new
Going forward, we expect it to be between 10%-12%.
RF · transcript · Q4 FY2025
2026-01-17 05:00:00 UTCOpen source
RFREGIONS FINANCIAL CORPFY2025 · ends 2025-12-31
1 metric1 newearnings call · 2025-10-18 04:01:40 UTC
2025-10-18 04:01:40 UTCup low single digits versus the prior yearnew1% – 3% vs FY2024
As a result, we are increasing our expectations for full-year average deposit balances. We now expect average deposits to be up low single digits versus the prior year.
RF · transcript · Q3 FY2025
2025-10-18 04:00:00 UTCOpen source