RF
NYSE · Financial Services · Banks - Regional · US
Research · Sep 19, 2026
[RF] Regions Financial: Net Interest Income Outlook Before Q3 2026 Earnings
Regions Financial lifted second-quarter net interest income 2.3% to $1.277 billion at a 3.66% margin; third-quarter results will show if the guided 2% gain comes from repricing or costlier borrowing.
Research · Sep 3, 2026
[RF] Regions Financial Thesis 2026: NII Recovery Anchors Southeast Loan Growth Story
Regions Financial delivered the NII recovery management had guided in FY2025, with net interest income of ~$4.82B and NIM expanding from the FY2024 trough of 3.38% to ~3.52% as CD maturities repriced lower and deposit competition eased. Adjusted EPS reached ~$2.18 and ROTCE recovered to ~18.5%. Office CRE criticized balances declined ~35% through workouts, removing the primary credit overhang. Southeast loan demand began re-accelerating in H2 as lower rates improved commercial borrower economics.