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Sentiment · FY2026 Q2
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.
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 | 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 | 15 (0%) |
| Gerard Cassidy | RBC Capital Markets | 14 (7%) |
| Scott Siefers | Piper Sandler |
| 11 (0%) |
| Ebrahim Poonawala | Bank of America | 10 (0%) |
| Betsy Graseck | Morgan Stanley | 8 (0%) |
| Ryan Nash | Goldman Sachs | 8 (0%) |
| Chris McGratty | KBW | 8 (0%) |
| Erika Najarian | UBS | 7 (14%) |
| Matt O'Connor | Deutsche Bank | 7 (14%) |
| Christopher Spahr | Wells Fargo | 6 (33%) |
| 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 | 15 (0%) |
| RBC Capital Markets | 1 | 14 (7%) |
| Morgan Stanley | 2 | 11 (0%) |
| Piper Sandler | 1 | 11 (0%) |
| Bank of America | 1 | 10 (0%) |
| Goldman Sachs | 1 | 8 (0%) |
| KBW | 1 | 8 (0%) |
| Deutsche Bank | 1 | 7 (14%) |
| 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 Q1 | $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% |
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).
| 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 | 6 | +0.4% | |
| USB U.S. Bancorp | 7 | +4.7% |