Regions Financial(RF)Q3 EPS 与收入大超预期、拨备低于预期并维持全年指引,股价盘前冲高后盘中高开低走

Regions Financial ( RF ) stock increased 1.7% in Friday midday trading after the regional bank posted strong beats on Q3 earnings and revenue as its provision for credit losses came in lower than expected. The company also reaffirmed its full-year  guidance. The bank still expects full-year net interest income growth of 2.5%-4%, net interest margin exiting the year at ~3.7%, adjusted noninterest income growth of 3%-5%, and adjusted noninterest expense growth of 1.5%-3.5%. Regions ( RF ) continues to expect to generate adjusted operating leverage in 2026. Q4 NII is expected to increase 1%-2% from Q3 2026, implying $1.33B-$1.34B (vs. S&P CapIQ consensus of $1.33B). It also projects Q4 NIM at ~3.70%, in line with prior guidance. Q3 non-GAAP EPS of $0.73, topping the consensus estimate of $0.66, rose/fell from $0.68 in Q2 and $0.63 in Q3 2025. Q3 adjusted revenue of $1.97B, beating the average analyst estimate of $1.83B, increased from $1.95B in the prior quarter and $1.94B a year ago. "Strong credit quality, continued momentum in fee-based businesses, and economically vibrant markets throughout our footprint all contributed to our third quarter results," said Chairman, President, and CEO John Turner. NII (FTE) of $1.31B, vs. the S&P CapIQ consensus of $1.31B, climbed from $1.29B in Q2 and $1.27B in last year’s Q3. Its net interest margin (FTE) of 3.68%, vs. the 3.67% S&P CapIQ consensus, improved from 3.66% in the previous quarter and 3.59% a year ago. Region Financial's ( RF ) provision for credit losses of $68M, vs. the S&P CapIQ consensus of $116M, was flat with Q2 and declined from $105M in last year’s Q3. Average loans stood at $99.2B vs. $98.7B in Q2. Average deposits of $129.1B dipped from $130.7B in the prior quarter. Adjusted return on tangible common equity improved to 21.66% from 20.18% in the previous quarter and 19.24% in the year-ago period.