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Sentiment · FY2026 Q1
A pre-earnings brief is ready for RF: the setup, what peers and partners said this season, and which analysts to watch. Reading it is a Tellvest Pro feature.
Regions Financial closed FY2025 with peer-leading returns as NIM rebounded to 3.7% with continued expansion expected. Full-year record fee income was achieved across key businesses, and credit quality improvement accelerated. Management introduced FY2026 guidance of 2.5-4% NII growth and 3-5% fee income growth with positive operating leverage, while announcing a CFO transition to Anil Chadda.
Demand | Credit | Margin | Capital Allocation | Capex Investment | Competitive Dynamics | Revenue Growth | Pricing | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 5 | 2 | 1 | 1 | 5 | 1 | 2 | 1 |
| 2025Q1 | 2 | 4 | 1 | 2 | 1 | 2 | ||
| 2025Q2 | 3 | 1 | 4 | 1 | 2 | 4 | 1 | 2 |
| 2025Q3 | 4 | 6 | 6 | 5 | 2 | 2 | 2 | |
| 2025Q4 | 6 | 2 | 2 | 3 | 6 | 6 | 1 | 1 |
| 2026Q1 | 4 | 4 | 5 | 7 | 2 | 3 | 4 | 3 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Demand | 5 | 2 | 3 | 4 | 6 | 4 |
| Credit | 2 | 4 | 1 | 6 | 2 | 4 |
| Margin | 1 | 1 | 4 | 6 | 2 | 5 |
| Capital Allocation | 1 | 2 | 1 | 5 | 3 | 7 |
| 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 | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| John Pancari | Evercore ISI | 13 (0%) |
| Gerard Cassidy | RBC Capital Markets | 12 (8%) |
| Scott Siefers | Piper Sandler |
| 11 (0%) |
| Ebrahim Poonawala | Bank of America | 10 (0%) |
| Betsy Graseck | Morgan Stanley | 8 (0%) |
| Erika Najarian | UBS | 6 (17%) |
| Chris McGratty | KBW | 6 (0%) |
| Ryan Nash | Goldman Sachs | 6 (0%) |
| Matt O'Connor | Deutsche Bank | 5 (20%) |
| Ken Usdin | Autonomous Research | 5 (0%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Evercore ISI | 1 | 13 (0%) |
| RBC Capital Markets | 1 | 12 (8%) |
| Piper Sandler | 1 | 11 (0%) |
| Bank of America | 1 | 10 (0%) |
| Morgan Stanley | 2 | 10 (0%) |
| Goldman Sachs | 1 | 6 (0%) |
| UBS | 1 | 6 (17%) |
| KBW | 1 | 6 (0%) |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
RF Regions Financial Corporation | 6 | +0.5% | |
| CFG Citizens Financial Group | 8 | +4.5% | |
| FITB Fifth Third Bancorp | 7 | +25.8% | |
| HBAN Huntington Bancshares | 7 | +26.3% | |
| KEY KeyCorp | 9 | +1.1% | |
| MTB M&T Bank | 7 | +1.7% | |
| PNC PNC Financial Services | 8 | +12.7% | |
| TFC Truist Financial | 7 | +0.4% | |
| USB U.S. Bancorp | 7 | +4.7% |