New York, Jan 16, 2026, 08:48 ET — Premarket
- Regions Financial shares dipped in premarket trading following the release of the bank’s fourth-quarter results.
- Attention centered on the company’s 2026 forecast for net interest income and margins.
- Executives will discuss the report during a webcast scheduled for 10 a.m. ET.
Regions Financial shares slipped 1.2% in premarket trade Friday following the release of its fourth-quarter earnings and a preview of its 2026 outlook. (Reuters)
The update arrives amid earnings season for the U.S. banking sector, as investors scramble to gauge how shifting rate expectations will impact loan growth, funding costs, and credit conditions.
Net interest income — the spread between what banks earn on loans and what they pay out to depositors — usually sets the short-term tone. Even a slight shift in deposit rates or the yield curve can move the needle.
Regions reported net income available to common shareholders of $514 million for the quarter ended Dec. 31, translating to $0.58 per share. Total revenue came in at $1.921 billion, with net interest income hitting $1.281 billion. The net interest margin climbed to 3.70%, reflecting the lending spread as a percentage of earning assets. “We see improving underlying trends in the nation’s economy,” said CEO John Turner. (SEC)
Adjusted earnings per share came in at $0.57, falling short of the $0.61 average estimate from analysts, according to RTTNews. (Nasdaq)
Regions flagged some uncertainty in its 2026 forecast. It expects full-year net interest income to rise between 2.5% and 4%, but warned first-quarter net interest income might drop 1% to 2% versus Q4, citing day-count quirks and one-off items unlikely to recur. The bank also highlighted risks from lower long-term rates, softer loan or deposit growth, and a flatter yield curve—meaning long rates edging closer to short rates—that could weigh on results. (SEC)
The bank highlighted its balance sheet strength. Regions bought back around 17 million shares, spending $430 million this quarter, and paid out $231 million in common dividends. Its common equity Tier 1 ratio — a key capital metric — stood at 10.8% at the end of the quarter. Total available liquidity was about $67.9 billion, enough to cover uninsured deposits by roughly 182%. (Regions Investor Relations)
The wider scene remains unsettled. This week, lender shares took a hit amid concerns about a proposed one-year cap on credit card interest rates. Investors are also on alert for new signals from the Federal Reserve ahead of its Jan. 27-28 policy meeting. U.S. markets will be closed Monday for Martin Luther King Jr. Day. (Reuters)
