REGIONS FINANCIAL CORP — Form 8-K

Regions Financial (RF) reported 3Q26 adjusted net income of $622M ($0.73 EPS), up 10.9% YoY. Net interest income grew 3.5% YoY to $1,298M; NIM stable at 3.68%. Non-interest income rose 0.9% to $675M (adjusted $690M); efficiency ratio 55.8% (adjusted). Management maintained FY26 guidance: NII up 2.5–4%, adjusted NIE up 1.5–3.5%, NCOs 40–50bps, loans/deposits up low single digits. Capital: CET1 10.8%, tangible book value $12.65/share. Strategic progress: ~57% complete on banker/revenue-enablement hires; deposit system pilot late 2026; commercial lending modernization delivered June 2026. Deposit costs well-controlled (1.17% total), 62% above peer median in loan growth (5-yr organic), generating strong operating leverage.