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Regions Financial 8-K Report, Regulation FD Disclosure (May 11, 2026)

Reports
Regulation FD·Exhibits & Filings
Filing Date
Filed May 11, 2026
Period End
May 11, 2026
In the record · 2016–202610-K1210-Q328-K207

RF filed 12 annual reports (10-K), 32 quarterly reports (10-Q) and 207 current reports (8-K) between 2016 and 2026.

  1. Material agreement8-K · Aug ’18Aug ’18
  2. Leadership change8-K · Jun ’22Jun ’22
  3. Leadership change8-K · Dec ’24Dec ’24

01—Abstract

Summary

Summary of the 8-K filed May 11, 2026. Cited figures are marked; the original filing is the authoritative source.

Regions Financial Corporation filed this Form 8-K under Item 7.01 (Regulation FD Disclosure) to furnish, as Exhibit 99.1, presentation materials that executives will use with institutional investors at various meetings and events during May and June 2026.

The filing itself does not contain financial results; the substantive content is in the investor presentation, which reports first-quarter 2026 results and outlook. The information is furnished rather than filed for purposes of Section 18 of the Exchange Act. The presentation reports 1Q26 net income available to common shareholders of $539 milliona, diluted EPS of $0.62, total revenue of $1,873 million, and an efficiency ratio of 56.6%.

Management guides full-year 2026 net interest income up 2.5%b to 4% versus 2025, adjusted non-interest income up 3% to 5%, and adjusted non-interest expense up 1.5% to 3.5%. For 2Q26, it expects net interest income to rise approximately 2% versus 1Q26 and net interest margin in the mid-to-high 3.60% range. The presentation also highlights credit and capital positions.

Net charge-offs were 0.54% of average loans in 1Q26, with full-year 2026 expected at 40 to 50 basis points. Common equity Tier 1 ratio inclusive of AOCI was 9.4%, and management expects to manage it near the midpoint of a 9.25% to 9.75% operating range. Common book value per share was $20.39c and tangible common book value per share was $13.69.

02—Key points

Key Highlights

  1. 1Q26 net income available to common shareholders of $539 million, or $0.62 diluted EPS, with total revenue of $1,873 million and pre-tax pre-provision income of $805 million.
  2. 1Q26 return on average tangible common shareholders' equity of 18.26%, and an efficiency ratio of 56.6%.
  3. 2026 guidance: net interest income up 2.5% to 4% versus 2025 ($4,991 million); adjusted non-interest income up 3% to 5%; adjusted non-interest expense up 1.5% to 3.5%.
  4. 2Q26 expectations: net interest income up approximately 2% versus 1Q26, and net interest margin in the mid-to-high 3.60% range, exiting the year in the low 3.70% range.
  5. Credit improving: 1Q26 net charge-offs of 0.54% of average loans, with full-year 2026 expected at 40 to 50 basis points; non-performing loans at 0.71% of loans.
  6. Capital: 1Q26 common equity Tier 1 ratio inclusive of AOCI of 9.4%, with management targeting the midpoint of a 9.25% to 9.75% operating range; 1Q26 dividends of $227 million and share repurchases of $401 million.

03—Questions

Frequently Asked Questions

  1. Does this 8-K report new financial results?

    No. The filing is a Regulation FD disclosure under Item 7.01 that furnishes investor presentation materials (Exhibit 99.1) for meetings in May and June 2026. The figures in the presentation are primarily first-quarter 2026 results and management's outlook.

  2. What is management's outlook for net interest income in 2026?

    Full-year 2026 net interest income is expected to grow between 2.5% and 4% versus 2025 ($4,991 million). Management cites fixed-rate asset turnover, funding cost management, and loan growth as primary drivers, and expects 2Q26 net interest income to rise approximately 2% versus 1Q26.

  3. How is credit quality trending?

    Management reports 1Q26 net charge-offs of 0.54% of average loans, down from 0.59% in 4Q25 per the presentation's quarterly figures, and non-performing loans of 0.71% of loans, down from 0.88% in 1Q25. Full-year 2026 net charge-offs are expected at 40 to 50 basis points. The presentation notes that net charge-offs remain elevated due to previously identified portfolios.

  4. What capital levels and return of capital are described?

    The 1Q26 common equity Tier 1 ratio inclusive of AOCI was 9.4%, and management expects to manage near the midpoint of its 9.25% to 9.75% operating range. The company declared $227 million in common dividends and executed $401 million in share repurchases in 1Q26. The presentation also notes a proposed Basel III Endgame rule that would include AOCI in regulatory capital.

  5. What are the main risks flagged in the presentation?

    The presentation highlights interest rate sensitivity (including hedging and deposit beta assumptions), the mid-30% falling-rate beta needed to protect net interest income, and the potential for capital volatility from AOCI once Basel III Endgame is finalized. It also notes uncertainty tied to the Middle East conflict in its credit reserve discussion.

04—Continue

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