RF

Find your next quality investment with Simply Wall St's easy and powerful screener, trusted by over 7 million individual investors worldwide. Regions Financial stock has delivered an 87.6% gain over the past three years, yet valuation checks suggest the current share price of US$30.41 may still sit below an intrinsic value estimate based on the Excess Returns model, with market multiples pointing in the same direction. The 87.6% total return over three years highlights that investors have already seen strong gains. The question is whether there is still mispricing left in the share price. For Regions Financial, expectations for steady profitability and balance sheet resilience can support the valuation. Any pressure on credit quality or funding costs may cap how far the market is willing to re rate the stock. The company screens as undervalued on 4 of 6 checks, which gives a mixed picture rather than a clear bargain or clear overvaluation on the broader assessment of value 4/6. The issue now is whether Regions Financial's recent share price level already reflects this intrinsic value estimate, or if investors are still paying less than the business appears to be worth. Find out why Regions Financial's 18.2% return over the last year is lagging behind its peers. The Excess Returns model looks at how efficiently Regions Financial can reinvest shareholder capital above its own cost of equity. For Regions Financial, the model applies an average return on equity of 12.99% and a cost of equity of $1.61 per share, which implies an excess return of $1.28 per share. This is based on a stable earnings profile of $2.88 per share and a book value base of $20.49 per share, rising to a stable book value estimate of $22.20 per share. Using these inputs, the Excess Returns framework produces an intrinsic value estimate of about $58.28 per share. Compared with the recent share price of around $30.41, the model indicates that Regions Financial is trading at roughly a 47.8% discount to this intrinsic value estimate, which appears to represent a meaningful valuation gap for a bank with these projected returns. On this Excess Returns view, Regions Financial stock appears undervalued relative to the modelled intrinsic value. Our Excess Returns analysis suggests Regions Financial is undervalued by 47.8%. Track this in your watchlist or portfolio, or discover 48 more high quality undervalued stocks. Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Regions Financial. The P/E multiple is a useful yardstick for Regions Financial because earnings are a key driver of value for a mature bank. Regions Financial currently trades on a P/E of about 12.0x, which is close to the broader Banks industry average of 11.8x and below the peer group average of 13.6x. The Fair Ratio for Regions Financial sits slightly higher at about 13.5x. This reflects the multiple that might be expected once factors like the bank's profitability profile, risk, size and sector are taken into account. The current P/E therefore sits below both this fair level and the peer average, which highlights a discount in how the market is pricing each dollar of Regions Financial earnings. Taken together, the P/E comparison indicates that Regions Financial stock currently trades at a lower earnings multiple than both peers and the modelled fair multiple. See what the numbers say about this price — find out in our valuation breakdown. Simply Wall St Narratives for Regions Financial pick up where the valuation checks leave off and explain which assumptions on growth, margins and earnings would need to hold for the stock to be worth materially more or materially less than today's price. Each narrative presents Regions Financial's fair value as a thesis about the business that you can revisit over time, and they are available on Simply Wall St's Community page. You can add your own narrative on Regions Financial to set out a number-driven view on where its growth, margins and execution go from here. Share a thesis, be one of the early voices in the Simply Wall St community and see how your case holds up as new data arrives. Do you think there's more to the story for Regions Financial? Head over to our Community to see what others are saying! The Excess Returns intrinsic value estimate and the P/E comparison both point to Regions Financial screening as undervalued, although the broader set of checks is more mixed. That leaves the discount looking interesting rather than definitive. What really decides it from here is whether Regions Financial can maintain the profitability and balance sheet strength implied in the intrinsic value work without credit quality or funding costs eroding those returns. The key question for investors is whether the current discount reflects opportunity or whether the market is pricing in those risks correctly. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include RF. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

Bank of Hawaii Corporation BOH reported second-quarter 2026 earnings per share (EPS) of $1.47, which beat the Zacks Consensus Estimate of $1.46. The bottom line also improved from $1.06 in the year-ago quarter. Shares of the company lost 4.7% in yesterday’s trading session despite posting better-than-expected results. BOH’s results benefited from higher net interest income (NII), margin expansion, solid loan growth and strong credit quality. However, lower fee income and a decline in deposit balances remained headwinds. The company’s net income (GAAP basis) came in at $63.8 million, up 34% year over year. BOH’s quarterly revenues increased 13% year over year to $196.9 million. The top line missed the Zacks Consensus Estimate of $198.3 million. NII was $153.6 million, up 18% year over year. Net interest margin (NIM) increased 39 basis points to 2.78%. Our estimate for NII and NIM was $154.8 million and 2.80%, respectively. Non-interest income was $43.3 million, down 3% year over year. The decline was mainly due to lower fees, exchange and other service charges and higher net investment securities losses, partially offset by higher trust and asset management fees, annuity and insurance income and bank-owned life insurance income. Our estimate for the metric was $42.1 million. Non-interest expenses rose marginally year over year to $111.2 million. Higher salaries and benefits, occupancy, equipment, professional fees and FDIC insurance costs were largely offset by lower other expenses. Our estimate for the metric was $112.9 million. The efficiency ratio was 56.47%, down from 63.49% in the year-ago period. A lower efficiency ratio indicates improved profitability. As of June 30, 2026, total loans and leases increased nearly 1% from the prior quarter to $14.3 billion. Our estimate for total loans and leases was $13.9 billion. Total deposits decreased marginally on a sequential basis to $20.9 billion. Our estimate for total deposits was $21.1 billion. As of June 30, 2026, non-performing assets were $11.5 million, down 36% year over year. Our estimate for the metric was $13.9 million. Net loan and lease charge-offs were $3.4 million, up from $2.6 million in the year-ago quarter. Our estimate for the metric was $1.1 million. Provision for credit losses was $3.6 million, up from $3.3 million a year earlier. Our estimate for the metric was $2.7 million. The allowance for credit losses declined 1% year over year to $147 million. Our estimate for the metric was $148.6 million. As of June 30, 2026, the Tier 1 capital ratio was 14.45%, up from 14.17% as of June 30, 2025. The total capital ratio increased to 15.48% from 15.23% a year ago. The ratio of tangible common equity to risk-weighted assets was 10.38%, up from 9.62% at the end of the year-ago quarter. Return on average assets was 1.07% at the end of the second quarter of 2026, up from 0.81% in the prior-year quarter. Return on average shareholders' equity improved to 13.74% from 11.21% a year ago. In the reported quarter, Bank of Hawaii repurchased 216 thousand shares of common stock at a total cost of $17 million. As of June 30, 2026, the total remaining buyback authority under the share repurchase program was $88.9 million. Higher NII, continued margin expansion, healthy loan growth and a strong capital position are expected to support BOH's financial performance. Nonetheless, muted fee income growth, elevated expenses and deposit pressure are likely to remain challenges. Bank of Hawaii Corporation price-consensus-eps-surprise-chart | Bank of Hawaii Corporation Quote Currently, BOH carries a Zacks Rank #4 (Sell). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. Regions Financial Corporation RF has posted adjusted second-quarter 2026 earnings of 68 cents per share, beating the Zacks Consensus Estimate of 64 cents. Also, this compares favorably with earnings of 60 cents in the year-ago quarter. Increases in net interest income, wealth management income, service charges and lower provisions supported RF’s results. However, higher non-interest expenses and securities losses played spoilsport. The PNC Financial Services Group, Inc. PNC delivered adjusted earnings per share of $4.85 in the second quarter of 2026, beating the Zacks Consensus Estimate of $4.51 and up from $3.85 a year ago. PNC’s results reflected higher net interest income, strong fee income growth, an improvement in the net interest margin and solid loan growth. However, higher expenses and a decline in the deposit balance were headwinds. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Bank of Hawaii Corporation (BOH) : Free Stock Analysis Report Regions Financial Corporation (RF) : Free Stock Analysis Report The PNC Financial Services Group, Inc (PNC) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Northern Trust Corporation NTRS second-quarter 2026 adjusted earnings per share (EPS) of $2.97 beat the Zacks Consensus Estimate of $2.68. The figure increased 40% from $2.13 in the prior-year quarter. NTRS’ results benefited from a rise in net interest income (NII) and trust, investment and other servicing fees. An increase in total assets under custody (AUC) and assets under management (AUM) balances also supported the financials. However, elevated expenses were concerning. Results excluded certain notable items. After considering this, net income (GAAP basis) was $792.2 million, up 88% from the prior-year quarter. Quarterly total revenues of $2.62 billion increased 31% year over year. The top line beat the Zacks Consensus Estimate of $2.20 billion by 19%. NII was $675.5 million in the quarter under review, up 11% year over year. The net interest margin was 1.79%, up 11 basis points from the prior-year quarter. Trust, investment and other servicing fees totaled $1.35 billion, up 10% year over year. Other non-interest income increased to $673 million from $156.3 million in the year-ago quarter. Non-interest expenses rose 16% year over year to $1.64 billion in the reported quarter. Asset Servicing income before income taxes (FTE basis) was $323.3 million, up 19% year over year. The segment’s pre-tax margin was 23.7% compared with 23.2% in the prior-year quarter. Wealth Management income before income taxes was $333.5 million, up 8% year over year. The segment’s pre-tax margin was 37.4% compared with 37.2% in the year-ago quarter. The Other segment recorded income before income taxes of $415.5 million against a loss of $11.5 million in the prior-year quarter. As of June 30, 2026, Northern Trust’s total AUC increased 12% year over year to $15.9 trillion. Also, total AUM increased 16% year over year to $1.9 trillion. The increase in AUC were primarily driven by favorable markets, partly offset by unfavorable currency translation. The rise in AUM mainly reflected favorable markets and net client inflows. Total allowance for credit losses was $190.3 million, down 15% year over year. Total non-accrual assets were $71.3 million as of June 30, 2026, compared with $92.8 million in the year-ago period. NTRS reported provision benefits of $5.3 million in the second quarter against provision for credit losses of $16.5 million in the year-ago quarter. The provision benefit reflected a decrease in the collective reserve, partly offset by an increase in individual reserves. Under the Standardized Approach, as of June 30, 2026, the Common Equity Tier 1 capital ratio was 12.2%, unchanged from the prior-year quarter. The total capital ratio was 15.5% compared with 14.8% in the year-ago quarter. The Tier 1 leverage ratio was 7.6%, unchanged from the prior-year quarter. The return on average common equity was 25.9% compared with the year-earlier quarter’s 14.2%. During the reported quarter, Northern Trust returned $499.4 million to common shareholders through share repurchases and dividends. The company repurchased 2.1 million shares for $350.6 million at an average price of $164.65 per share and paid $148.8 million in common stock dividends. Following the successful completion of the Federal Reserve’s 2026 stress test, Northern Trust’s board of directors approved an increase in the quarterly common stock dividend at its July 21, 2026 meeting. The quarterly dividend was raised by 10% to 88 cents per share from 80 cents. A rise in NII, trust fees and capital markets income drove Northern Trust’s performance, while increasing AUC and AUM balances are likely to support financials. The planned sale of its guardianship services business reflects its strategy of concentrating resources on wealth management, asset servicing and asset management. However, elevated expenses will likely impede growth. Northern Trust Corporation price-consensus-eps-surprise-chart | Northern Trust Corporation Quote Currently, NTRS carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. Regions Financial Corporation RF has posted adjusted second-quarter 2026 earnings of 68 cents per share, beating the Zacks Consensus Estimate of 64 cents. Also, this compares favorably with earnings of 60 cents in the year-ago quarter. Increases in net interest income, wealth management income, service charges and lower provisions supported RF’s results. However, higher non-interest expenses and securities losses played spoilsport. U.S. Bancorp USB has reported second-quarter 2026 earnings per share of $1.35, topping the Zacks Consensus Estimate by 5.5%. The bottom line increased 21.6% from $1.11 in the year-ago quarter. USB’s results were supported by higher net interest income, broad-based fee revenue growth and strong loan growth, while the company posted positive operating leverage of 400 basis points. The BTIG acquisition (completed in June 2026) also contributed to capital markets revenue growth and expanded the company’s institutional capabilities. However, a rise in provisions was concerning. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Northern Trust Corporation (NTRS) : Free Stock Analysis Report Regions Financial Corporation (RF) : Free Stock Analysis Report U.S. Bancorp (USB) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

For the quarter ended June 2026, Regions Financial (RF) reported revenue of $1.91 billion, up 0.1% over the same period last year. EPS came in at $0.68, compared to $0.60 in the year-ago quarter. The reported revenue represents a surprise of -2.33% over the Zacks Consensus Estimate of $1.95 billion. With the consensus EPS estimate being $0.64, the EPS surprise was +6.25%. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health. As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately. Here is how Regions Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Non-performing loans, including loans held for sale: $669 million versus $792.89 million estimated by three analysts on average. Efficiency Ratio: 58.3% versus the three-analyst average estimate of 56.7%. Net charge-offs as a percentage of average loans: 0.4% versus the three-analyst average estimate of 0.5%. Net interest margin (FTE): 3.7% versus 3.7% estimated by three analysts on average. Non-performing assets: $688 million versus the three-analyst average estimate of $807.89 million. Average Balance - Total earning assets: $141.34 billion compared to the $141.03 billion average estimate based on three analysts. Common Equity Tier 1 ratio: 10.7% versus 10.5% estimated by two analysts on average. Tier 1 Capital Ratio: 11.8% versus the two-analyst average estimate of 11.6%. Leverage Ratio: 9.7% versus 9.5% estimated by two analysts on average. Total Non-Interest Income: $630 million compared to the $656.51 million average estimate based on three analysts. Net interest income, taxable equivalent basis: $1.29 billion compared to the $1.29 billion average estimate based on three analysts. Net Interest Income: $1.28 billion versus the three-analyst average estimate of $1.27 billion. View all Key Company Metrics for Regions Financial here>>> Shares of Regions Financial have returned +13.2% over the past month versus the Zacks S&P 500 composite's +0.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Regions Financial Corporation (RF) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

This article first appeared on GuruFocus. Earnings: $549 million, with earnings per share of $0.64. Adjusted Earnings: $583 million, or $0.68 per share. Adjusted Pretax Pre-Provision Income: $831 million. Adjusted Return on Tangible Common Equity: 20%. Average Loan Growth: Increased approximately 2% during the quarter. Net Interest Margin: 3.66%. Net Interest Income: Increased 2% linked quarter. Adjusted Non-Interest Income: Increased 7% on a linked-quarter basis. Wealth Management Income: Increased 6%, delivering another record quarter. Adjusted Non-Interest Expense: Increased 4% compared to the prior quarter. Annualized Net Charge-Offs: Declined 12 basis points to 42 basis points. Allowance for Credit Losses Ratio: Declined to 1.63%. Common Equity Tier 1 Ratio: Estimated at 10.7%. Quarterly Common Stock Dividend: Increased to $0.30 per share, a 13% increase from the prior quarter. Warning! GuruFocus has detected 11 Warning Signs with CNS. Is RF fairly valued? Test your thesis with our free DCF calculator. Release Date: July 17, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Regions Financial Corp (NYSE:RF) reported strong earnings of $549 million, with adjusted earnings of $583 million, reflecting disciplined execution and profitable growth. The company achieved a record quarter in wealth management income, demonstrating solid performance across fee businesses despite a challenging interest rate environment. Credit performance improved with lower net charge-offs and reductions in criticized and non-performing loan categories, indicating effective credit risk management. Regions Financial Corp (NYSE:RF) was recognized by J.D. Power as the number-one regional bank in online banking satisfaction, highlighting enhancements in digital capabilities. The acquisition of the Frazer Lanier Company is expected to expand the capital markets platform and enhance municipal finance expertise, aligning with strategic growth objectives. Higher interest rates have impacted capital markets and residential mortgage activities, posing challenges to certain revenue streams. Non-interest expense increased by 4% due to higher salaries and benefits, which could pressure operating margins if not managed effectively. The company is experiencing competitive pressure in deposit pricing, particularly in the Southeast, which could affect deposit cost management. Loan growth, while positive, may not sustain the same pace in the second half of the year due to earlier high draws, indicating potential volatility in growth rates. There is some softness in the multifamily sector in specific markets, which could pose risks to credit quality if conditions worsen. Q: Could you talk about the operating leverage expectations for this year, given the first half fee trends are tracking towards the lower end of the guide? A: We expect net interest income to grow at 2.5% to 4%, non-interest revenue at 3% to 5%, and non-interest expense at 1.5% to 3.5%. This should generate positive operating leverage. Despite some unfavorable year-over-year comparables in the first half, we are confident in delivering positive operating leverage in the second half due to expected revenue growth and disciplined expense management. - Anil Chadha, CFO Q: What are you seeing in terms of loan growth and client demand? A: The operating environment is constructive, with broad-based demand across industry sectors and geographies. We see continued growth in pipelines and a 100 basis point increase in line utilization, reflecting ongoing investment and job growth. We feel confident about meeting our loan growth targets for the year. - John Turner, CEO Q: Based on the current environment, where do you see the net interest margin (NIM) going over the medium term? A: We exited the quarter with a 3.66% margin and expect it to be flat to slightly up in the third quarter. Key drivers include fixed asset turnover and a hedge rate increase. We anticipate reaching approximately 3.70% by year-end, depending on loan growth. - Anil Chadha, CFO Q: Can you update us on the competitive environment for deposit pricing, particularly in the Southeast? A: Competitive pressure has existed for 12 to 18 months. Our interest-bearing deposit cost declined 3 basis points to 1.69%. We expect deposit costs to remain stable, supported by our strong deposit base and targeted promotional pricing strategies. - Anil Chadha, CFO Q: Are you seeing any signs of incremental credit stress? A: Credit performance has improved, with non-performing loans and criticized loans declining. We've seen reductions in portfolios of interest like business office and trucking. While there's some softness in multifamily in a few markets, overall, we feel good about our credit quality and expect normal performance in the coming quarters. - John Turner, CEO For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Interested in Regions Financial Corporation? Here are five stocks we like better. Regions Financial beat expectations in Q2 2026, reporting $549 million in earnings, or $0.64 per share, and adjusted earnings of $583 million, or $0.68 per share. Management pointed to disciplined execution and a 20% adjusted return on tangible common equity. Loan growth and fee income improved, with average loans up about 2% and net interest income rising 2% quarter over quarter. Wealth management led a 7% increase in adjusted non-interest income, while the bank also said loan pipelines were up roughly 15% from a year ago. Credit quality and capital remained strong, as net charge-offs fell to 42 basis points and the allowance for credit losses declined. Regions also raised its quarterly dividend by 13% to $0.30 per share and kept its stress capital buffer at the regulatory floor of 2.5%. 3 Regional Bank Stocks to Buy on Relaxed Regulations Regions Financial (NYSE:RF) reported second-quarter 2026 earnings of $549 million, or $0.64 per share, with adjusted earnings of $583 million, or $0.68 per share, executives said on the company’s earnings call. Chairman, President and CEO John Turner said the Birmingham, Alabama-based regional bank delivered adjusted pre-tax, pre-provision income of $831 million and an adjusted return on tangible common equity of 20%. Turner said the quarter reflected “disciplined execution across the franchise” and the benefits of investments intended to support profitable growth. → Why ASML’s AI Monopoly Is Still Getting Stronger New York Community Bank stock plummets amid real estate risks Regions’ leadership characterized the operating backdrop across the bank’s markets as solid despite continued uncertainty. Turner said businesses are generally well-positioned, investment and job growth remain steady, and consumer spending trends remain healthy. He also said customers continue to maintain solid account balances and liquidity buffers relative to spending. CFO Anil Chadha said average loans increased approximately 2% during the quarter, while ending loans rose 1%. Growth was driven by broad-based commercial and industrial lending, including power and utilities, manufacturing, government and public sector, and retail trade. Investor real estate also grew from a smaller base, led by multifamily, supported by production and bridge financing tied to maturing credits. → Cintas Keeps Beating Expectations—And the Story Isn’t Over Challenges Loom for Regional Banks as Interest Rates Surge Chadha said more than half of the quarter’s loan growth consisted of investment-grade credits. He added that loan pipelines were up roughly 15% from a year ago and remained diversified across industries, markets and client segments. Consumer loan balances were relatively stable as new production roughly matched paydowns, primarily in residential mortgage and home improvement financing. Regions maintained its outlook for full-year average loan growth to be up low single digits compared with 2025. → Blueprint for a Billion: Nebius Group Secures the AI Floor During the question-and-answer session, Turner described the loan demand environment as “constructive,” saying demand was broad-based across industry sectors and geographies. He also said line utilization increased by about 100 basis points during the quarter, reflecting ongoing investment by customers. Average deposits increased modestly in the second quarter, while ending deposits declined approximately 1%, which Chadha attributed to normal seasonal patterns related to tax refunds and payments. Turner said average deposits included more than 1% growth in non-interest-bearing deposits, supported by household and operating account growth. Chadha said Regions’ non-interest-bearing deposit mix remained in the low 30% range, consistent with the bank’s target and reflective of the operational nature of its deposit base. He said the company continued to see deposits shift from certificates of deposit into money market accounts across consumer and wealth management segments, driven by its product management strategy. Net interest income increased 2% from the prior quarter. Chadha said the increase was driven by favorable repricing dynamics, disciplined deposit cost management and loan balance growth. The net interest margin was 3.66%, and interest-bearing deposit costs declined three basis points to 1.69%. Regions expects third-quarter net interest income to increase approximately 2% and said it is progressing toward the middle of its full-year net interest income growth outlook of 2.5% to 4%. Chadha said the bank expects its net interest margin to exit 2026 at approximately 3.7% based on current expectations for loan growth. Adjusted non-interest income increased 7% from the prior quarter, with growth across several core fee categories partly offset by lower bank-owned life insurance and commercial credit fees. Wealth management income rose 6% and reached another record quarter, driven by higher production and favorable market conditions. Card and ATM fees increased 8%, primarily due to seasonally higher transaction volumes. Capital markets income, excluding credit valuation adjustment, increased modestly as improvements in loan syndications, M&A advisory fees and real estate capital markets offset lower commercial swap income. Turner said higher long-term interest rates have affected capital markets and residential mortgage activity, but other fee businesses remained solid. Regions continues to expect adjusted non-interest income to grow 3% to 5% for full-year 2026 compared with 2025, though Chadha said results are now expected to trend toward the lower end of that range. Turner also highlighted the company’s announced acquisition of Frazer Lanier Company after quarter-end. He described Frazer Lanier as a full-service investment banking firm with strong municipal securities capabilities and said the transaction is intended to expand Regions’ capital markets platform and municipal finance expertise. Asset quality improved during the quarter. Chadha said annualized net charge-offs declined 12 basis points to 42 basis points of average loans. Business services criticized loans and non-performing loans both declined, with the business services criticized ratio falling 14 basis points to 5.01% and the non-performing loan ratio declining four basis points to 67 basis points. The allowance for credit losses declined $34 million, primarily due to continued resolution of previously reserved charge-offs, partially offset by reserve builds related to high-quality loan growth. The allowance for credit losses ratio declined to 1.63%. Regions maintained its expectation that full-year 2026 net charge-offs will be between 40 and 50 basis points. In response to an analyst question, Turner said credit has continued to improve and “normalize,” citing reductions in business office, trucking and communications portfolios of interest. He said Regions is seeing “a little softness” in multifamily in a couple of Texas markets, but added that there was nothing “particularly concerning” at this point. Regions ended the quarter with an estimated common equity tier 1 ratio of 10.7%. The company repurchased $59 million of shares and paid $226 million in common dividends during the quarter. Chadha said the board approved a 13% increase in the quarterly common stock dividend to $0.30 per share. He said Regions has increased its dividend at a 16% compound annual growth rate over the past 10 years, placing it within the top quartile of its peer set. The company also received its 2026 supervisory capital stress test results from the Federal Reserve. Chadha said Regions’ stress capital buffer will remain at the regulatory floor of 2.5%, and he said the results reinforced the resilience of the bank’s earnings profile, balance sheet and capital position. Executives reiterated that Regions expects adjusted non-interest expense to rise 1.5% to 3.5% for full-year 2026 and expects to deliver full-year adjusted positive operating leverage. Chadha said confidence in that outlook is supported by expected revenue growth in the second half of the year and continued expense discipline. Regions Financial Corporation (NYSE: RF) is a U.S. bank holding company headquartered in Birmingham, Alabama, that provides a broad range of banking and financial services. Its primary banking subsidiary, Regions Bank, serves retail and commercial customers through a combination of branch and ATM networks, digital channels and relationship-based delivery. The company offers deposit accounts, consumer and commercial loans, mortgage origination and servicing, and payment and treasury services. In addition to core banking, Regions offers wealth management, trust and brokerage services, insurance solutions, and capital markets capabilities to corporate and institutional clients. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "Regions Financial Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

Regions Financial Corporation RF has posted adjusted second-quarter 2026 earnings of 68 cents per share, beating the Zacks Consensus Estimate of 64 cents. Also, this compares favorably with earnings of 60 cents in the year-ago quarter. Increases in net interest income (NII), wealth management income, service charges and lower provisions supported RF’s results. However, higher non-interest expenses and securities losses played spoilsport. The results include certain non-recurring items. After considering those, net income (GAAP basis) available to common shareholders was $549 million, up 2.8% year over year. Total quarterly revenues were $1.91 billion, marginally up from the year-ago quarter. The metric missed the Zacks Consensus Estimate of $1.95 billion. NII was $1.28 billion, up 1.4% year over year, driven primarily by average loan growth, fixed-rate asset turnover and prudent management of deposit costs. The net interest margin improved 1 basis point year over year to 3.66%. Non-interest income declined 2.5% year over year to $630 million. Higher service charges on deposit accounts, wealth management income, card and ATM fees, and capital markets income were more than offset by lower mortgage income and higher securities losses. Non-interest expenses increased 4.5% year over year to $1.12 billion. Adjusted non-interest expenses moved up 4% to $1.12 billion. The increase was mainly due to higher salaries and employee benefits, equipment and software expenses, net occupancy expenses, outside services, and branch consolidation, property and equipment charges. The efficiency ratio rose to 58.3% from 56% a year ago. A higher efficiency ratio indicates decreasing profitability. As of June 30, 2026, total loans increased 1.3% on a sequential basis to $99.2 billion, supported by commercial and industrial activity, and broader business lending momentum. Total deposits were $130.7 billion, which decreased 0.9% from the previous quarter. Non-performing assets (excluding more than 90 days past due), as a percentage of loans, foreclosed properties and non-performing loans held for sale, decreased to 0.69% from the year-ago quarter’s 0.84%. Non-performing loans, excluding loans held for sale as a percentage of net loans, were 0.67%, down from 0.80% in the prior-year quarter. A provision for credit losses of $68 million was recorded in the quarter, down 46% from the year-ago quarter. Annualized net charge-offs, as a percentage of average loans, were 0.42% compared with 0.47% in the prior-year period. As of June 30, 2026, the Common Equity Tier 1 ratio was 10.7%, down from 10.8% as of June 30, 2025, whereas the Tier 1 capital ratio fell to 11.8% from 11.9% in the year-ago quarter. In the reported quarter, the company repurchased 2.1 million shares for $59 million. Earlier this week, RF declared a quarterly common stock dividend of 30 cents per share, representing a 13% increase over the previous quarter. Regions Financial’s loan growth, solid deposit franchise and improving credit quality should continue supporting its financials. The company’s robust liquidity and prudent deposit-cost management will continue to aid its financials. However, elevated expenses are expected to remain headwinds. Regions Financial Corporation price-consensus-eps-surprise-chart | Regions Financial Corporation Quote Currently, Regions Financial carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. The PNC Financial Services Group, Inc. PNC delivered adjusted earnings per share of $4.85 in the second quarter of 2026, beating the Zacks Consensus Estimate of $4.51 and up from $3.85 a year ago. PNC’s results reflected higher net interest income, strong fee income growth, an improvement in the net interest margin and solid loan growth. However, higher expenses and a decline in the deposit balance were headwinds. Citizens Financial Group CFG reported second-quarter 2026 earnings per share of $1.30, which surpassed the Zacks Consensus Estimate of $1.25. The metric rose 41% from the year-ago quarter. CFG’s results benefited from a rise in NII and non-interest income. Growth in loan and deposit balances, and an improvement in credit quality were also encouraging. However, a rise in expenses and a weaker capital position were major headwinds. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Regions Financial Corporation (RF) : Free Stock Analysis Report The PNC Financial Services Group, Inc (PNC) : Free Stock Analysis Report Citizens Financial Group, Inc. (CFG) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Regions Financial (RF) came out with quarterly earnings of $0.68 per share, beating the Zacks Consensus Estimate of $0.64 per share. This compares to earnings of $0.6 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +6.25%. A quarter ago, it was expected that this holding company for Regions Bank would post earnings of $0.61 per share when it actually produced earnings of $0.62, delivering a surprise of +1.64%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Regions Financial, which belongs to the Zacks Banks - Southeast industry, posted revenues of $1.91 billion for the quarter ended June 2026, missing the Zacks Consensus Estimate by 2.33%. This compares to year-ago revenues of $1.91 billion. The company has not been able to beat consensus revenue estimates over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Regions Financial shares have added about 19.6% since the beginning of the year versus the S&P 500's gain of 10.1%. While Regions Financial has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Regions Financial was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.67 on $1.99 billion in revenues for the coming quarter and $2.60 on $7.83 billion in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 31% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Another stock from the same industry, CoastalSouth Bancshares, Inc. (COSO), has yet to report results for the quarter ended June 2026. This company is expected to post quarterly earnings of $0.61 per share in its upcoming report, which represents a year-over-year change of +7%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. CoastalSouth Bancshares, Inc.'s revenues are expected to be $23.3 million, up 17.3% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Regions Financial Corporation (RF) : Free Stock Analysis Report CoastalSouth Bancshares, Inc. (COSO) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Citizens Financial Group CFG reported second-quarter 2026 earnings per share (EPS) of $1.30, which surpassed the Zacks Consensus Estimate of $1.25. The metric rose 41% from the year-ago quarter. CFG shares rose nearly 3.9% in the early trading session. A full day’s trading session will depict a clearer picture. Results benefited from a rise in net interest income (NII) and non-interest income. Growth in loan and deposit balances and an improvement in credit quality were also encouraging. However, a rise in expenses and a weaker capital position were major headwinds. Net income (GAAP basis) was $587 million, which rose 35% from the prior-year quarter. Total revenues in the second quarter were $2.28 billion, which topped the Zacks Consensus Estimate of $2.24 billion. The top line rose 12% year over year. Citizens Financial’s NII rose 14% year over year to $1.63 billion, primarily reflecting a higher net interest margin and a 5% increase in interest-earning assets. The net interest margin (NIM) expanded 22 basis points year over year to 3.16%. This was mainly backed by benefits from terminated swaps, non-core runoff, fixed-rate asset repricing and lower funding costs, partially offset by lower asset yields. Non-interest income increased 9% year over year to $652 million. The improvement was driven by higher capital markets fees, wealth fees, service charges and fees, foreign exchange and derivative products, and letter of credit and loan fees. This was partially offset by lower mortgage banking fees. Non-interest expenses increased 6% year over year to $1.39 billion. The rise was primarily due to higher salaries and employee benefits, outside services costs, equipment and software expenses, and other operating expenses. The efficiency ratio was 61.1% in the second quarter compared with 64.8% in the year-ago quarter. A fall in the efficiency ratio reflects improved profitability. Consumer Banking revenues were $1.66 billion, up 7% year over year. The segment’s net income increased 13% to $426 million. Commercial Banking revenues rose 13% year over year to $759 million. The segment’s net income increased 36% to $280 million. Other revenues were negative $138 million compared with negative $181 million in the prior-year quarter. The segment reported a net loss of $119 million, narrower than the year-ago loss of $146 million. As of June 30, 2026, period-end total loans and leases were $147.5 billion, up 3% from the prior quarter, while total deposits rose 1% sequentially to $185.6 billion. As of June 30, 2026, Citizens Financial’s provision for credit losses was $134 million, which declined 18% from the year-ago quarter. The allowance for credit losses decreased 1% year over year to $2.18 billion. Net charge-offs decreased to $135 million from $167 million in the prior-year quarter. Non-accrual loans and leases declined 6% year over year to $1.44 billion. As of June 30, 2026, the common equity tier 1 (CET1) capital ratio was 10.4%, down from 10.6% in the prior-year quarter. The total capital ratio was 13.6%, down from 13.8% in the year-ago quarter. The tier 1 leverage ratio was 9.2%, which decreased from 9.4% in the prior-year quarter. In the second quarter of 2026, CFG repurchased $225 million of common shares and paid $197 million in common dividends. For the third quarter of 2026, CFG expects NII to increase 2.5-3.5% sequentially, while non-interest income is projected to rise approximately 1%. Non-interest expenses are expected to remain stable or increase slightly from the second-quarter level. Net charge-offs are projected to remain stable or decline slightly from 37 basis points in the second quarter. The CET1 ratio is expected to be approximately 10.5%. The company plans to repurchase approximately $125 million worth of shares in the third quarter. The tax rate is expected to be nearly 22%. For 2026, CFG expects NII growth to exceed its prior outlook of 10-12% from the $5.8 billion reported in 2025. The company expects non-interest income growth to be toward the high end of its previously guided range of 6-8% from the $2.4 billion reported in 2025. Adjusted non-interest expenses are projected to be slightly above the prior growth outlook of 4-5% from the $5.3 billion reported in 2025, reflecting strong revenue performance. Management expects more than 600 basis points of positive operating leverage in 2026. The company expects NIM to be between 3.22% and 3.27% in the fourth quarter of 2026. For the medium term, CFG raised its NIM target to 3.30-3.50% by the fourth quarter of 2027 from the previously stated 3.25-3.50%. Citizens Financial’s solid second-quarter results reflect balanced growth in NII and fee income, along with improved efficiency and credit quality. Growth in loan and deposit balances was another positive. The company continues to execute well on its strategic initiatives. Strong Private Bank growth, record Wealth fees, record second-quarter Capital Markets fees, progress on the Reimagine the Bank program and the successful launch of a new consumer mobile platform are expected to support its performance through 2026 and 2027. Management remains well positioned to achieve a return on average tangible common equity of 16-18% by the end of 2027. However, elevated expenses and a weaker capital position remain near-term headwinds. Citizens Financial Group, Inc. price-consensus-eps-surprise-chart | Citizens Financial Group, Inc. Quote Currently, Citizens Financial carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. Regions Financial RF is scheduled to release second-quarter 2026 earnings on July 17. The consensus estimate for RF’s quarterly earnings has remained unchanged at 64 cents per share over the past seven days. This indicates a 6.7% increase from the year-ago reported level. Truist Financial TFC is slated to report second-quarter 2026 results on July 17. Over the past seven days, the Zacks Consensus Estimate for TFC’s quarterly earnings has remained unchanged at $1.08 per share. This indicates an 18.7% increase from the year-ago reported level. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Citizens Financial Group, Inc. (CFG) : Free Stock Analysis Report Regions Financial Corporation (RF) : Free Stock Analysis Report Truist Financial Corporation (TFC) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

U.S. Bancorp USB has reported second-quarter 2026 earnings per share of $1.35, topping the Zacks Consensus Estimate by 5.5%. The bottom line increased 21.6% from $1.11 in the year-ago quarter. Results were supported by higher net interest income (NII), broad-based fee revenue growth and strong loan growth, while the company posted positive operating leverage of 400 basis points. The BTIG acquisition (completed in June 2026) also contributed to capital markets revenue growth and expanded the company’s institutional capabilities. However, a rise in provision was concerning. Net income attributable to U.S. Bancorp was $2.18 billion, up 19.9% from the prior-year quarter. Net revenues reached a record level of $7.71 billion in the second quarter, rising 10.1% year over year and surpassing the consensus estimate by 1.3%. Tax-equivalent NII was $4.39 billion, up 7.5% from the prior-year period. Management attributed the improvement to loan growth, a better earning-asset mix and fixed-asset repricing benefits. The net interest margin expanded 13 basis points year over year to 2.79%. Non-interest income totaled $3.33 billion, rising 13.7% from the year-ago quarter. Growth was driven by higher revenues across all fee categories, including card revenues, corporate payment and treasury management revenues, trust and investment management fees, lending and deposit-related fees, and capital markets revenues. Capital markets revenues benefited from the BTIG acquisition, increased client-related derivative activity, higher corporate bond underwriting fees and favorable market conditions. Non-interest expenses were $4.43 billion, up 5.9% from the year-ago quarter. The impacts of the BTIG acquisition, higher compensation and employee benefits expenses, technology and communications expenses, marketing and business development initiatives, and other expenses led to the rise. The company’s efficiency ratio declined to 57.1% from 59.2% a year ago, indicating improvement in profitability. Average total loans increased 3% sequentially to $405.48 billion and advanced 7.1% year over year, reflecting broad-based growth in key categories. Average total deposits were $515.08 billion, essentially flat with the prior quarter and up 2.4% year over year. Provision for credit losses was $538 million, up 7.4% from the year-ago quarter, primarily reflecting loan portfolio growth. Total net charge-offs were $536 million, down from $554 million a year earlier, and the net charge-off ratio was 0.53% versus 0.59% in the prior-year quarter. The allowance for credit losses increased to $7.98 billion as of June 30, 2026, from $7.86 billion a year earlier. Non-performing assets were $1.35 billion, down from $1.68 billion as of June 30, 2025. Capital levels remained solid. The Basel III standardized CET1 capital ratio was 10.8% at the quarter end, up from 10.7% in the year-ago period. The tier 1 capital ratio was 12.2%, down from 12.3% in the prior year. The leverage ratio was 8.9%, up from 8.5% in the year-ago quarter. The tangible common equity to tangible assets ratio was 6.6%, up from the prior-year quarter’s 6.1%. During the quarter, U.S. Bancorp repurchased 3 million shares and continued repurchases under its $5-billion common stock repurchase authorization. Post clearing the 2026 stress test, the company also plans to increase its quarterly common stock dividend 4% to 54 cents per share in the third quarter of 2026, subject to board approval. U.S. Bancorp’s diversified revenue streams, solid loan growth and improving credit quality continue to support its strong financial performance. Growth in NII and non-interest income, coupled with improved efficiency, bodes well for future profitability. The completion of the BTIG acquisition expanded USB’s capital markets capabilities and provided opportunities to deepen relationships with corporate and institutional clients. Although provisions rose in the second quarter of 2026, U.S. Bancorp remains focused on delivering sustainable growth, attractive returns and long-term shareholder value. U.S. Bancorp price-consensus-eps-surprise-chart | U.S. Bancorp Quote Currently, U.S. Bancorp carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. Regions Financial RF is scheduled to release second-quarter 2026 earnings on July 17. The consensus estimate for RF’s quarterly earnings has been unchanged at 64 cents per share over the past seven days. This indicates a 6.7% increase from the year-ago reported level. Truist Financial TFC is slated to report second-quarter 2026 results on July 17. Over the past seven days, the Zacks Consensus Estimate for TFC’s quarterly earnings has been unchanged at $1.08 per share. This indicates an 18.7% increase from the year-ago reported level. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Regions Financial Corporation (RF) : Free Stock Analysis Report U.S. Bancorp (USB) : Free Stock Analysis Report Truist Financial Corporation (TFC) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research