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Top analysts & firms

All analyzed callsNot limited to the selected quarter · analysts and firms with 2 or more questions

What does “challenging” mean?

Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.

Most active analysts

Analyst	Firm	Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
John Pancari	Evercore ISI	15 questions · 0% challenging
Gerard Cassidy	RBC Capital Markets	14 questions · 7% challenging
Scott Siefers	Piper Sandler	11 questions · 0% challenging
Ebrahim Poonawala	Bank of America	10 questions · 0% challenging
Betsy Graseck	Morgan Stanley	8 questions · 0% challenging
Ryan Nash	Goldman Sachs	8 questions · 0% challenging
Chris McGratty	KBW	8 questions · 0% challenging
Erika Najarian	UBS	7 questions · 14% challenging
Matt O'Connor	Deutsche Bank	7 questions · 14% challenging
Christopher Spahr	Wells Fargo	6 questions · 33% challenging

Most active firms

Firm	Analysts	Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
Evercore ISI	1 analyst	15 questions · 0% challenging
RBC Capital Markets	1 analyst	14 questions · 7% challenging
Morgan Stanley	2 analysts	11 questions · 0% challenging
Piper Sandler	1 analyst	11 questions · 0% challenging
Bank of America	1 analyst	10 questions · 0% challenging
Goldman Sachs	1 analyst	8 questions · 0% challenging
KBW	1 analyst	8 questions · 0% challenging
Deutsche Bank	1 analyst	7 questions · 14% challenging

Quarter in detail

· FY2026 Q1

Macro Signals

↑Enterprise Spending↑Credit→Consumer Spending

Regions Financial reported Q1 EPS of $0.62 with continued peer-leading returns and strong earnings growth, as loan growth acceleration showed broad-based demand. NIM came in below expectations on tighter asset spreads, and adjusted noninterest revenue declined 2% linked quarter. Management reiterated all FY2026 guidance unchanged at 2.5-4% NII growth, as core technology transformation remained on track.

Key Themes7

positive📊 company

Strong Earnings Growth With Peer-Leading Returns

Earnings of $539 million or $0.62 per share, representing 11% and 15% increases respectively versus adjusted prior year. Adjusted pretax pre-provision income of $805 million, up 4% year-over-year. Return on tangible common equity of 18%.

Revenue GrowthMargin

positive📊 company

Loan Growth Acceleration With Broad-Based Demand

Ending loans grew 2% with average loans up approximately 1%. Growth driven by broad-based C&I lending including power and utilities, manufacturing, healthcare and asset-based lending. Half of growth from higher line utilization, up 200 basis points. Almost two-thirds of growth was investment-grade credits.

DemandCompetitive Dynamics

negative📊 company

NIM Below Expectations On Tighter Asset Spreads

Net interest margin of 3.67% came in below expectations reflecting tighter asset spreads, paydowns of higher-yielding loans, and remixing into higher quality credits. Interest-bearing deposit cost declined 13 basis points with falling cycle beta at 35%.

MarginPricing

positive📊 company

Full-Year Guidance Reiterated Across All Metrics

Reiterated FY2026 NII growth of 2.5-4%, fee income growth of 3-5%, expenses up 1.5-3.5%, and positive operating leverage. Average loans and deposits both expected up low single digits.

Guidance Reliability

positive📊 company

Credit Quality Continues To Improve

Net charge-offs decreased 5 basis points to 54 basis points. NPL ratio declined 2 basis points to 71 basis points. ACL ratio reduced 8 basis points to 1.68% while NPL coverage remained solid at 238%. Full-year NCOs expected 40-50 basis points.

Credit

positive📊 company

Core Technology Transformation On Track

Commercial lending system and small business digital origination platform deploying this summer. Core deposit system testing underway with pilot expected Q3 2026 and conversion beginning 2027. Banker hiring initiative more than two-thirds complete.

Capex InvestmentInnovation & R&D

positive📊 company

Favorable Regulatory Capital Changes Proposed

Proposed Basel III changes expected to result in approximately 10% reduction in risk-weighted assets and 100 basis point increase in capital. Pro forma CET1 of approximately 10.4% including AOCI. Operational loss add-on under ERBA overwhelms IG and retail benefits making standardized approach preferable.

Regulation PolicyCapital Allocation

Q&A Topicsfrequency by quarter

	Demand	Capital Allocation	Margin	Credit	Capex Investment	Competitive Dynamics	Revenue Growth	Pricing
2024Q4	5	1	1	2	5	1	2	1
2025Q1	2	2	1	4	1		2
2025Q2	3	1	4	1	2	4	1	2
2025Q3	4	5	6	6	2	2		2
2025Q4	6	3	2	2	6	6	1	1
2026Q1	4	7	5	4	2	3	4	3

	'24Q4	'25Q1	'25Q2	'25Q3	'25Q4	'26Q1
Demand	5	2	3	4	6	4
Capital Allocation	1	2	1	5	3	7
Margin	1	1	4	6	2	5
Credit	2	4	1	6	2	4
Capex Investment	5	1	2	2	6	2
Competitive Dynamics	1		4	2	6	3
Revenue Growth	2	2	1		1	4
Pricing	1		2	2	1	3

Analyst Q&A12 analysts · 23 questions · 17% challenge

Chris McGrattyKBW

is that something where you may have to consider to be more flexible with inorganic growth if the right opportunity came about

View in transcript →

how much does the numerator versus denominator play in maintaining that level of profitability

View in transcript →

Dave RochesterCantor Fitzgerald

View Financial Services sector trends →View Banks - Regional industry trends →

Regions Financial Corporation RF

Sector: Financial Services Industry: Banks - Regional

Low valuation · FY26 Q1

FY26 Q1, sector-relative: P/E 10x (17th), EV/Sales 10.9x (42nd).

CompanyFiscal year ends DecMost recent earnings call: Jul 17, 2026 (FY2026 Q2)Next earnings call: Oct 16, 2026

6/ 10

FY2026 Q1Mixed±0.0 vs FY2025 Q4Default view · newest free

Calendar quarter Q1 2026Earnings call Apr 17, 2026

FY2026 Q1 in brief

Regions Financial reported Q1 EPS of $0.62 with continued peer-leading returns and strong earnings growth, as loan growth acceleration showed broad-based demand.

PositiveStrong Earnings Growth With Peer-Leading Returns
PositiveLoan Growth Acceleration With Broad-Based Demand
NegativeNIM Below Expectations On Tighter Asset Spreads

Full narrative and all 7 themes ↓

ScoringBase 5 · revenue +0.52%Transcript 0EPS +1Guidance 0Final 6

Newest quarter FY2026 Q2 is part of Pro · see what Pro adds →

Score details · FY2026 Q1

calendar Q1 2026 · call Apr 17, 2026

Year over year · FY26 Q1 vs FY25 Q1: +1.0 ptsFY26 Q1 6 vs FY25 Q1 5
Analyst challenge ratePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. · all analyzed quarters: 6%

Share price · trailing year

daily closes, last 12 months — not scoped to the selected quarter · dots mark earnings calls, colored by that quarter’s score

RF $26.891Y +6.9%YTD -0.8%● earnings calls (score)

Sources. Tellvest earnings-call sentiment score for Regions Financial Corporation (RF), FY2026 Q1: 6/10. Scores: Regions Financial Corporation’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: RF daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.

Key financials

FY2026 Q1 selectedReported GAAP figures from SEC filings

The table scrolls sideways. Swipe it, or select it and use the arrow keys.

Quarter	Revenue	Rev YoY	EPS	EPS YoY	Op margin	Net margin
FY2024 Q4	$2.39B	+2.5%	$0.56	+43.6%	27.5%	22.4%
FY2025 Q1	$2.31B	+1.2%	$0.51	+37.8%	26.8%	21.2%
FY2025 Q2	$2.43B	+5.3%	$0.59	+13.5%	29.1%	23.2%
FY2025 Q3	$2.46B	+2.6%	$0.61	+24.5%	28.8%	23.2%
FY2025 Q4	$2.41B	+0.9%	$0.58	+3.6%	29.4%	22.2%
FY2026 Q1Selected	$2.33B	+0.5%	$0.62	+21.6%	30.7%	24.0%
FY2026 Q2	$2.38B	-2.1%	$0.64	+8.5%	30.2%	24.0%

As stated by management

Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).

EPS: “strong first quarter earnings of $539 million or $0.62 per share”
Revenue: “Adjusted noninterest revenue declined 2% on a linked-quarter basis”
Guidance: “we reiterate our net interest income expectation of between 2.5% and 4% growth”
Key metric: “Annualized net charge-offs as a percentage of average loans decreased 5 basis points to 54 basis points”

Industry Peersas of Q1 2026

Banks - Regional

Company	Score	Rev YoY	Headline
RF Regions Financial Corporation	6	+0.5%	Strong Earnings Growth with Peer-Leading Returns
CFG Citizens Financial Group	8	+4.5%	Citizens delivered Q1 EPS of $1.13 with a 12.2% RoTCE, posting record Q1 fees and over 700 basis points of operating leverage
FITB Fifth Third Bancorp	7	+25.8%	Fifth Third closed the largest acquisition in its history on February 1, and the Comerica addition drove revenue to $2.9 billion, up 33% year-over-year, with adjusted net income of $734 million, up 38%
HBAN Huntington Bancshares	7	+26.3%	Huntington delivered an outstanding first quarter, with GAAP EPS of $0.25 and adjusted EPS of $0.37, up 9% year-over-year excluding acquisition-related expenses and other notable items
KEY KeyCorp	9	+1.1%	KeyCorp delivered Q1 2026 EPS of $0.44, up 33% year-over-year, with revenue growing 10% and ROTCE exceeding 13% as NIM expanded to 2.87% on track for the 3%+ year-end target
MTB M&T Bank	7	+1.7%	M&T Bank delivered GAAP EPS of $4.13 with NIM expanding 2 basis points to 3.71% as fixed-rate asset repricing continued, while fee income grew 13% year-over-year with broad-based strength and C&I growth reached $1.5 billion driven by middle market utilization pickup
NU Nu Holdings Ltd.	8	+53.4%	Nu Holdings delivered record quarterly revenue of $5 billion and its highest-ever first-quarter net income of $871 million, up 41% year-over-year on an FX-neutral basis, as the customer base surpassed 135 million
PNC PNC Financial Services	8	+12.7%	PNC delivered $4.13 per share with NIM expanding to 2.95%, on a clear path toward 3%+, as organic loan growth hit a three-year high
TFC Truist Financial	6	+0.4%	Truist delivered 25% EPS growth to $1.09 with 250 basis points of operating leverage, as investment banking produced its highest quarterly revenue since 2021
USB U.S. Bancorp	7	+4.7%	U.S

Shared themes this quarter

RFCFFIHBKEMTNUPNTFUS

Revenue growth

RFCFFIHBKEMTNUPNTF

Macro signal alignment

Enterprise Spending

↑ RF↑ CFG FITB HBAN↑ KEY MTB↑ PNC↑ TFC↑ USB

Consumer spending

RF FITB HBAN MTB↑ NU TFC USB

Pre-Earnings Brief

Top analysts & firms

Most active analysts

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Corporate events

Quarter in detail

Q&A Topicsfrequency by quarter

Regions Financial Corporation RF

Score details · FY2026 Q1

Share price · trailing year

Key financials

As stated by management