Regions Financial (RF) Q3 FY2026 earnings: revenue $2.0 billion, up 3.0% on the year

Regions Financial Corp. (RF) announced its results for Q3 FY2026, the quarter ended 30 September 2026, on 16 October 2026. Revenue was $2.0 billion, up 3.0% on the same quarter a year earlier. Net income was $631 million, up 10.9% on the year, and diluted earnings per share $0.71. The figures are from the company's earnings press release; the 10-Q with the full statements is not filed yet, and this page fills in when it is.

Revenue$2.0 billionup 3.0%

Net income$631 millionup 10.9%

Diluted EPS$0.71$0.61 a year earlier

QuarterQ3 FY2026ended 30 September 2026

What management said

Earnings and diluted EPS rose: Net income available to common shareholders was $611 million and diluted EPS $0.71, compared with $549 million and $0.64 in the second quarter. Adjusted figures were $622 million and $0.73.
Large clients moved balances off-balance sheet: Average and ending deposits declined modestly. Management attributed the corporate deposit decline to a limited number of large commercial clients that reallocated interest-bearing balances to off-balance sheet products through the institutional investment services group.
Record capital markets income: Capital markets income reached a record, up 27 percent from the second quarter, driven by higher mergers and acquisitions advisory revenue, underwriting and placement fees, swap income and syndication revenue.

Read the earnings call summary

The quarter, against the one before and a year earlier

Line	Q3 FY2026	Q2 FY2026	Q3 FY2025	Change on the year
Revenue (net interest income plus noninterest income)	1,973	1,907	1,916	+3.0%
Net income	631	570	569	+10.9%
Diluted EPS	$0.71	$0.64	$0.61	+16.4%

$ million except per share.

Q3 FY2026 is from the company's press release of 16 October 2026; the other columns are from its 10-Q and 10-K filings. A release figure is shown when the release's own figure for an earlier quarter matches the filed one, so the line and its units are read right.

Quarterly results, the last 20 quarters filed

	Q3 FY2021	Q4 FY2021 *	Q1 FY2022	Q2 FY2022	Q3 FY2022	Q4 FY2022 *	Q1 FY2023	Q2 FY2023	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	1,614	1,634	1,599	1,748	1,867	2,001	1,951	1,957	1,857	1,811	1,747	1,731	1,790	1,815	1,784	1,905	1,916	1,921	1,873	1,907
Interest expense	41.0	37.0	37.0	47.0	81.0	151	224	358	475	520	540	576	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pre-tax income	n/a	n/a	n/a	740	562	n/a	789	728	619	471	464	625	608	657	621	706	708	708	714	718
Tax rate	n/a	n/a	n/a	21%	24%	n/a	22%	20%	21%	17%	21%	20%	19%	19%	21%	20%	20%	25%	22%	21%
Net income	651	438	548	583	429	685	612	581	490	391	368	501	490	534	490	563	569	534	559	570
Net margin	40%	27%	34%	33%	23%	34%	31%	30%	26%	22%	21%	29%	27%	29%	27%	30%	30%	28%	30%	30%
Diluted EPS	$0.65	$0.44	$0.55	$0.59	$0.43	$0.70	$0.62	$0.59	$0.49	$0.39	$0.37	$0.52	$0.49	$0.56	$0.51	$0.59	$0.61	$0.58	$0.62	$0.64
Operating cash flow	841	761	584	921	321	1,276	196	397	860	855	396	161	1,261	-220	1,066	573	861	-319	867	369
Buybacks	0.0	300	215	15.0	0.0	0.0	0.0	0.0	0.0	252	102	87.0	101	58.0	242	144	251	430	401	59.0
Dividends paid	148	162	161	158	159	185	187	187	187	226	222	220	220	228	227	226	224	235	230	228
Shares outstanding	953m	937m	934m	934m	934m	935m	938m	938m	930m	919m	916m	915m	909m	905m	899m	892m	877m	864m	853m	852m
Filing	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Earnings press release for the quarter ended 30 September 2026, filed with the SEC on 16 October 2026 with a Form 8-K: the release.