RF · 8-K · 20260807PR000057
Revenue Performance and Mix
REGIONS FINANCIAL CORP · 2026-08-07 · Importance 37 · Surprise 6 · In source text
Regions reported 2Q26 net income available to common shareholders of $549 million, or $0.64 diluted EPS, while adjusted net income was $583 million, or $0.68 adjusted EPS. Total revenue was $1.907 billion, including $1.947 billion on an adjusted basis, and adjusted pre-tax pre-provision income was $831 million. Reported non-interest expense was $1.121 billion, adjusted non-interest expense was $1.116 billion, and the adjusted efficiency ratio was 56.9%. Return on average tangible common equity was 19.01% reported and 20.18% adjusted, while net charge-offs to average loans were 0.42%.
Key facts
- Pre-tax pre-provision income (non-GAAP) for quarter ended 6/30/2025: $832 million. source
- Adjusted pre-tax pre-provision income (non-GAAP) for quarter ended 3/31/2026: $805 million. source
- Non-interest expense (GAAP) for quarter ended 6/30/2026: $1,121 million. source
- Adjusted non-interest expense (non-GAAP) for quarter ended 6/30/2026: $1,116 million. source
- Net interest income (GAAP) for quarter ended 6/30/2026: $1,277 million. source
- Net interest income, taxable-equivalent basis for quarter ended 6/30/2026: $1,291 million. source
- Non-interest income (GAAP) for quarter ended 6/30/2026: $630 million. source
- Adjusted non-interest income (non-GAAP) for quarter ended 6/30/2026: $670 million. source
Impact estimates
| metric | direction | stage | expected | basis |
|---|---|---|---|---|
| operating_income | negative | realized | -2.5% | Adjusted non-interest expense (non-GAAP) for quarter ended 6/30/2026 increased $48 million (4.5%) vs 1Q26 to $1,116 million. |
| revenue | positive | realized | +2.3% | Adjusted non-interest income (non-GAAP) for quarter ended 6/30/2026 increased $45 million (7.2%) vs 1Q26 to $670 million. |
| operating_income | positive | realized | +1.3% | Adjusted pre-tax pre-provision income (non-GAAP) increased $26 million (3.2%) in 2Q26 vs 1Q26 to $831 million. |
| revenue | positive | realized | — | Net interest income (GAAP) for quarter ended 6/30/2026: $1,277 million. |
| revenue | positive | realized | — | Net interest income, taxable-equivalent basis for quarter ended 6/30/2026: $1,291 million. |
| revenue | positive | realized | — | Non-interest income (GAAP) for quarter ended 6/30/2026: $630 million. |
| revenue | positive | realized | — | Adjusted non-interest income (non-GAAP) for quarter ended 6/30/2026: $670 million. |
| revenue | positive | realized | — | Total revenue for quarter ended 6/30/2026 (GAAP): $1,907 million. |
| revenue | positive | realized | — | Adjusted total revenue (non-GAAP) for quarter ended 6/30/2026: $1,947 million. |
| revenue | positive | realized | — | Total revenue, taxable-equivalent basis for quarter ended 6/30/2026: $1,921 million. |
| revenue | positive | realized | — | Adjusted total revenue, taxable-equivalent basis (non-GAAP) for quarter ended 6/30/2026: $1,961 million. |