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Regions Financial (RF) Reports Q3 Earnings: What Key Metrics Have to Say
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For the quarter ended September 2026, Regions Financial (RF - Free Report) reported revenue of $1.97 billion, up 3% over the same period last year. EPS came in at $0.73, compared to $0.63 in the year-ago quarter.
The reported revenue represents a surprise of -0.37% over the Zacks Consensus Estimate of $1.98 billion. With the consensus EPS estimate being $0.67, the EPS surprise was +8.96%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:
Net interest margin (FTE): 3.7% compared to the 3.7% average estimate based on six analysts.
Efficiency Ratio: 56.2% versus the six-analyst average estimate of 56.4%.
Net charge-offs as a percentage of average loans: 0.3% versus the five-analyst average estimate of 0.4%.
Average Balance - Total earning assets: $141.74 billion versus $142.46 billion estimated by four analysts on average.
Tier 1 Capital Ratio: 11.9% compared to the 11.8% average estimate based on three analysts.
Leverage Ratio: 9.8% compared to the 9.6% average estimate based on three analysts.
Common Equity Tier 1 ratio: 10.8% versus 10.7% estimated by three analysts on average.
Total risk-based capital ratio: 13.7% versus the two-analyst average estimate of 13.6%.
Non-performing loans, including loans held for sale: $597 million versus $683.9 million estimated by two analysts on average.
Non-performing assets: $617 million versus the two-analyst average estimate of $707.9 million.
Total Non-Interest Income: $675 million versus the six-analyst average estimate of $673.75 million.
Net interest income, taxable equivalent basis: $1.31 billion versus $1.32 billion estimated by five analysts on average.
Shares of Regions Financial have returned -4.1% over the past month versus the Zacks S&P 500 composite's +2.4% 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.
View the Zacks #1 Rank List
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Regions Financial (RF) Reports Q3 Earnings: What Key Metrics Have to Say
For the quarter ended September 2026, Regions Financial (RF - Free Report) reported revenue of $1.97 billion, up 3% over the same period last year. EPS came in at $0.73, compared to $0.63 in the year-ago quarter.
The reported revenue represents a surprise of -0.37% over the Zacks Consensus Estimate of $1.98 billion. With the consensus EPS estimate being $0.67, the EPS surprise was +8.96%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:View all Key Company Metrics for Regions Financial here>>>
Shares of Regions Financial have returned -4.1% over the past month versus the Zacks S&P 500 composite's +2.4% 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.