Analyst Consensus ?
ConsensusHold52 ratings
Bullish2140.4%
Neutral2751.9%
Bearish47.7%
Regions Financial Corporation · RF · FY2025 Q4 · Calendar Q1 2026
Regions Financial: Growth hinges on loans, fees and core modernization
The supplied analysis supports a measured growth case: improving deposits and pipelines, fee-income expansion and technology modernization could support 2026 performance, but loan conversion, rate sensitivity, credit quality and execution remain key tests.
Reported Before market openNYSEFinancial Services
$22.94B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$0.57
Consensus $0.61
EPS surprise
-6.7%
Reported versus consensus
Reported revenue
$1.92B
Consensus $1.93B
Revenue surprise
-0.5%
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
-2.6%
Event window
SPY move
-0.1%
Same window
Abnormal move
-2.5%
Stock minus SPY
Volume
2.6×
Versus trailing sessions
Subsequent drift
+7.2%
Up to 20 sessions
RFSPY benchmark
Ask FN2 about RF FY2025 Q4
Transcript, numbers and history already loaded
Why did RF fall 2.6% after missing EPS estimates in FY2025 Q4?What changed in RF's guidance and outlook in FY2025 Q4?Give me the bull and bear case for RF after FY2025 Q4 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Relative to the prior analysis, the focus shifted from planned modernization and banker hiring to execution: management now points to low-single-digit 2026 loan growth, an improving pipeline, continued deposit support, broader AI and data investment, and a core-platform conversion plan.
Guidance delta
Maintained; management expects low-single-digit loan growth in 2026, supported by improving pipelines, deposits and banker hiring.
Key takeaways
- Management highlighted full-year 2025 earnings of $2.1 billion, adjusted EPS of $2.33 and return on tangible common equity above 18%.
- The 2026 growth case rests on low-single-digit loan growth, improving pipelines, deposit growth and hiring in priority markets.
- Fee income from wealth management, treasury management and capital markets was identified as an important growth driver.
- Core modernization, AI, data governance and a new mobile app remain central investments.
- Capital returns and a strong capital position support the thesis, while rate, credit and execution risks remain.
Management priorities
- Modernize the core banking platform and expand AI, data governance and real-time data capabilities.
- Hire commercial bankers toward the 120-banker target in priority markets.
- Grow deposits and fee businesses, including wealth management, treasury management and capital markets.
- Maintain share repurchases and dividend growth aligned with earnings.
Follow RF with an agent that reads every filing, transcript, and price print. Free to start.
Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$26.96Current
$18Low
$28.16Average
$36High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 1, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Morgan Stanley | Equal Weight | Equal Weight | Maintain | Sep 28, 2026 |
| Truist Securities | Hold | Hold | Maintain | Sep 23, 2026 |
| Baird | Neutral | Underperform | Upgrade | Sep 18, 2026 |
| JP Morgan | Neutral | Neutral | Maintain | Jul 29, 2026 |
| Cantor Fitzgerald | Overweight | Overweight | Maintain | Jul 21, 2026 |
| Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintain | Jul 20, 2026 |
| DA Davidson | Neutral | Neutral | Maintain | Jul 20, 2026 |
| Citigroup | Buy | Buy | Maintain | Jul 20, 2026 |
| UBS | Neutral | Neutral | Maintain | Jul 7, 2026 |
| Wells Fargo | Underweight | Underweight | Maintain | Jul 6, 2026 |
| Evercore ISI Group | Underperform | Underperform | Maintain | Jul 6, 2026 |
| RBC Capital | Outperform | Outperform | Maintain | Apr 20, 2026 |
| Piper Sandler | Neutral | Neutral | Maintain | Mar 30, 2026 |
| Barclays | Underweight | Underweight | Maintain | Jan 5, 2026 |
| Stephens & Co. | Equal Weight | Overweight | Downgrade | Oct 14, 2025 |
| Goldman Sachs | Buy | Buy | Maintain | Apr 22, 2025 |
| Compass Point | Buy | Buy | Maintain | Dec 10, 2024 |
| Deutsche Bank | Buy | Hold | Upgrade | Oct 24, 2024 |
| Argus Research | Buy | Hold | Upgrade | Oct 24, 2024 |
| Wedbush | Outperform | Outperform | Maintain | Oct 21, 2024 |
| B of A Securities | Neutral | Neutral | Maintain | Jul 22, 2024 |
| Jefferies | Buy | Buy | Maintain | Jul 3, 2024 |
| Odeon Capital | Hold | Buy | Downgrade | Nov 13, 2023 |
| Wolfe Research | Outperform | Peer Perform | Upgrade | Dec 1, 2022 |
| Raymond James | Market Perform | Outperform | Downgrade | Nov 21, 2022 |
| Credit Suisse | Neutral | Neutral | Maintain | Jan 25, 2021 |
| SunTrust Robinson Humphrey | Buy | Buy | Maintain | Jul 20, 2020 |
| Nomura | Neutral | Neutral | Maintain | Apr 7, 2020 |
| Janney Montgomery Scott | Buy | Neutral | Upgrade | Jan 21, 2020 |
| Janney Capital | Buy | Neutral | Upgrade | Jan 21, 2020 |
| BMO Capital | Market Perform | Outperform | Downgrade | Nov 12, 2019 |
| Citi | Sell | Neutral | Downgrade | Oct 8, 2019 |
| Bank of America | Neutral | Buy | Downgrade | Jul 11, 2019 |
| Sandler O'Neill | Buy | Hold | Upgrade | Mar 25, 2019 |
| B. Riley FBR | Neutral | Neutral | Maintain | May 5, 2018 |
| B. Riley Securities | Neutral | Neutral | Maintain | Apr 24, 2018 |
| FBR Capital | Neutral | Buy | Downgrade | Oct 10, 2017 |
| Susquehanna | Neutral | Positive | Downgrade | Dec 1, 2016 |
| PiperJaffray | Neutral | Overweight | Downgrade | Nov 16, 2016 |
| Bernstein | Market Perform | Outperform | Downgrade | Aug 16, 2016 |
| Keefe Bruyette & Woods | Market Perform | Underperform | Upgrade | Jun 6, 2016 |
| Macquarie | Neutral | Outperform | Downgrade | Apr 1, 2016 |
| Sterne Agee CRT | Buy | Buy | Maintain | Oct 8, 2015 |
| Sterne Agee | Buy | Buy | Maintain | Oct 8, 2015 |
| Guggenheim | Buy | Neutral | Upgrade | Aug 28, 2015 |
| Wunderlich Securities | Hold | Buy | Downgrade | Jan 21, 2015 |
| Wunderlich | Hold | Buy | Downgrade | Jan 21, 2015 |
| Miller Tabak | Buy | Hold | Upgrade | Aug 8, 2014 |
| ISI Group | Buy | Buy | Maintain | Oct 7, 2013 |
| Sandler O'Neil | Buy | Hold | Upgrade | Mar 6, 2013 |
| Rafferty Capital | Buy | Buy | Maintain | Feb 28, 2013 |
| Drexel Hamilton | Hold | Hold | Maintain | Oct 2, 2012 |
Named analyst price targets
Upside is calculated against the persisted current price $26.96. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Truist Financial | Analyst unavailable | $31 | $27.6 | +15.0% | Sep 23, 2026 |
| Morgan Stanley | Analyst unavailable | $36 | $30.42 | +33.5% | Sep 8, 2026 |
| Deutsche Bank | Analyst unavailable | $34 | $30.7 | +26.1% | Aug 27, 2026 |
| Cantor Fitzgerald | Dave Rochester | $35 | $31.11 | +29.8% | Jul 21, 2026 |
| Truist Financial | Analyst unavailable | $34 | $31.11 | +26.1% | Jul 21, 2026 |
| D.A. Davidson | Analyst unavailable | $34 | $31.3 | +26.1% | Jul 20, 2026 |
| RBC Capital | Analyst unavailable | $34 | $31.65 | +26.1% | Jul 20, 2026 |
| Jefferies | David Chiaverini | $32 | $31.65 | +18.7% | Jul 17, 2026 |
| Cantor Fitzgerald | Analyst unavailable | $34 | $30.92 | +26.1% | Jul 15, 2026 |
| Evercore ISI | Analyst unavailable | $31 | $30.36 | +15.0% | Jul 6, 2026 |
| D.A. Davidson | Analyst unavailable | $33 | $30.28 | +22.4% | Jul 6, 2026 |
| Robert W. Baird | Analyst unavailable | $28 | $30.28 | +3.9% | Jul 6, 2026 |
| Morgan Stanley | Analyst unavailable | $35 | $30.16 | +29.8% | Jun 29, 2026 |
| Truist Financial | Analyst unavailable | $30 | $28.41 | +11.3% | Apr 21, 2026 |
| RBC Capital | Analyst unavailable | $31 | $28.38 | +15.0% | Apr 20, 2026 |
| D.A. Davidson | Analyst unavailable | $32 | $28.13 | +18.7% | Apr 20, 2026 |
| UBS | Analyst unavailable | $30 | $30.48 | +11.3% | Feb 4, 2026 |
| Piper Sandler | Analyst unavailable | $31 | $27.77 | +15.0% | Jan 20, 2026 |
| Morgan Stanley | Analyst unavailable | $31 | $27.77 | +15.0% | Jan 19, 2026 |
| Wells Fargo | Analyst unavailable | $30 | $28.52 | +11.3% | Jan 16, 2026 |
| Goldman Sachs | Analyst unavailable | $32 | $28.18 | +18.7% | Jan 6, 2026 |
| Barclays | Analyst unavailable | $30 | $27.56 | +11.3% | Jan 5, 2026 |
| Truist Financial | Analyst unavailable | $29 | $27.78 | +7.6% | Dec 22, 2025 |
| Stephens | Analyst unavailable | $27 | $24.56 | +0.1% | Oct 14, 2025 |
| Evercore ISI | John Pancari | $29 | $26.5 | +7.6% | Sep 30, 2025 |
| Morgan Stanley | Analyst unavailable | $32 | $26.63 | +18.7% | Sep 29, 2025 |
| Cantor Fitzgerald | Dave Rochester | $30 | $26.82 | +11.3% | Sep 9, 2025 |
| Barclays | Jason Goldberg | $27 | $26.24 | +0.1% | Jul 21, 2025 |
| Stephens | Terry McEvoy | $26 | $24.08 | -3.6% | Oct 29, 2024 |
| Argus Research | Kevin Heal | $26 | $23.78 | -3.6% | Oct 24, 2024 |
| Deutsche Bank | Matt O'Connor | $26 | $23.64 | -3.6% | Oct 24, 2024 |
| Truist Financial | Brandon King | $26 | $23.82 | -3.6% | Oct 21, 2024 |
| D.A. Davidson | Peter Winter | $29 | $23.82 | +7.6% | Oct 21, 2024 |
| Evercore ISI | John Pancari | $26 | $22.54 | -3.6% | Oct 2, 2024 |
| Wedbush | David Chiaverini | $28 | $22.91 | +3.9% | Sep 24, 2024 |
| Citigroup | Keith Horowitz | $26 | $22.72 | -3.6% | Sep 19, 2024 |
| Piper Sandler | Scott Siefers | $23 | $23.07 | -14.7% | Sep 3, 2024 |
| Morgan Stanley | Betsy Graseck | $28 | $22.43 | +3.9% | Jul 30, 2024 |
| D.A. Davidson | Peter Winter | $26 | $22.39 | -3.6% | Jul 22, 2024 |
| Truist Financial | Brandon King | $23 | $22.39 | -14.7% | Jul 22, 2024 |
| Robert W. Baird | David George | $21 | $22.09 | -22.1% | Jul 22, 2024 |
| RBC Capital | Gerard Cassidy | $23 | $22.09 | -14.7% | Jul 22, 2024 |
| Wells Fargo | Mike Mayo | $22 | $22.09 | -18.4% | Jul 21, 2024 |
| Jefferies | Ken Usdin | $24 | $20.09 | -11.0% | Jul 3, 2024 |
| UBS | Erika Najarian | $22 | $20.51 | -18.4% | Apr 4, 2024 |
| Piper Sandler | Scott Siefers | $15 | $14.1 | -44.4% | Oct 25, 2023 |
| Barclays | Analyst unavailable | $29 | $21.92 | +7.6% | Jan 3, 2023 |
| D.A. Davidson | Analyst unavailable | $25 | $20.71 | -7.3% | Dec 21, 2022 |
| Morgan Stanley | Analyst unavailable | $28 | $20.4 | +3.9% | Dec 16, 2022 |
| Jefferies | Ken Usdin | $22 | $18.92 | -18.4% | Jul 11, 2022 |
| UBS | Erika Najarian | $32 | $24.59 | +18.7% | Jan 12, 2022 |
| Evercore ISI | John Pancari | $27 | $23.88 | +0.1% | Nov 16, 2021 |
| Odeon Capital Group LLC | Richard Bove | $27.7 | $23.8 | +2.7% | Nov 10, 2021 |
| Piper Sandler | Stephen Scouten | $28 | $23.85 | +3.9% | Oct 25, 2021 |
| Wells Fargo | Mike Mayo | $24 | $21.49 | -11.0% | Oct 4, 2021 |
| KBW | David Konrad | $18 | $19.12 | -33.2% | Jul 6, 2021 |
| Compass Point | Dave Rochester | $25 | $22.19 | -7.3% | May 18, 2021 |
Track every rating change on RF the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationRegions Financial Corporation (RF) operates as a financial holding company, delivering a comprehensive array of banking and related services to both individual consumers and corporate entities. The firm's operations are strategically divided into three principal divisions: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment specializes in commercial banking solutions. Its extensive offerings include various lending options such as commercial and industrial loans, commercial real estate financing, and investor real estate credit. Furthermore, it provides equipment lease financing, manages diverse deposit products, and offers sophisticated capital markets services like securities underwriting and placement, loan syndication, foreign exchange, derivatives, and merger and acquisition advisory, along with other consulting services. This segment primarily serves corporate clients, middle-market businesses, and developers and investors in commercial real estate.…
Historical context
All RF earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| FDS FactSet Research Systems Inc. | FY2026 Q4 · Calendar Q3 2026 | +3.9% | +3.8% | FactSet reports record FY26 results as AI and MCP adoption accelerate |
| PUK Prudential plc | FY2026 Q2 · Calendar Q3 2026 | -40.9% | -0.5% | Prudential sustains growth and capital returns focus in H1 2026 |
| CM Canadian Imperial Bank of Commerce | FY2026 Q3 · Calendar Q3 2026 | +8.9% | -2.8% | CIBC Q3: Broad growth, resilient credit and expanded AI rollout |
| TD The Toronto-Dominion Bank | FY2026 Q3 · Calendar Q3 2026 | +13.8% | +1.4% | TD emphasizes growth investments alongside disciplined capital management |
| RY Royal Bank of Canada | FY2026 Q3 · Calendar Q3 2026 | +6.2% | -1.3% | RBC reports record Q3 earnings while investing for growth |
| AFRM Affirm Holdings, Inc. | FY2026 Q4 · Calendar Q3 2026 | +1230.3% | +0.3% | Affirm's most profitable quarter shifts focus to product execution |
Latest beats and misses
Who reports nextBeat on EPS
- CAGFY2027 Q1 · September 30, 2026+44.4% EPS-4.9% move
- FDSFY2026 Q4 · September 30, 2026+3.9% EPS+3.8% move
- JBLFY2026 Q4 · September 30, 2026+8.1% EPS-10.0% move
- MUFY2026 Q4 · September 30, 2026+5.4% EPS+0.0% move
- CCLFY2026 Q3 · September 29, 2026+5.9% EPS+13.4% move
- COSTFY2026 Q4 · September 24, 2026+3.2% EPS+2.9% move
Get the RF recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:36:15.940040+00:00
- Polygon adjusted daily market bars · 2026-10-01T19:06:08.934013+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-01T19:06:08.931827+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-01. For educational purposes only; not investment advice.