Regions Financial provided updated financial guidance for the fourth quarter and full-year 2026 in an investor presentation. The outlook projects growth in net interest income, stable loan and deposit growth, and controlled expenses. The company also stated it expects to generate positive adjusted operating leverage for the full year.
Key Details
- Full-Year 2026 Guidance: The company expects net interest income to grow 2.5-4.0%, adjusted non-interest income to increase 3-5% (trending toward the lower end), and adjusted non-interest expense to rise 1.5-3.5% compared to fiscal year 2025.
- Q4 2026 Outlook: Net interest income is projected to increase 1-2% versus Q3 2026, with an expected net interest margin of approximately 3.70%. Capital Markets revenue is forecast to be in the $90M to $105M range.
- Balance Sheet & Credit: Average loans and deposits are both expected to grow by low single digits for FY2026. Full-year net charge-offs are anticipated to be in the 40-50 basis point range, trending toward the low end.