← All forecasts · October 12–16, 2026

RF / Q3 2026 (quarter ended September 30, 2026)

Regions Financial

Reported 2026-10-16

Published forecast

Oct 12, 2026, 3:06 AM PDT

Opus 5.5 High in Shortcut

Shortcut

0.67

Shortcut normalized EPS

+1.0% vs Street*

Street

0.66

Street normalized EPS

Frozen October 11 snapshot

Real

0.73

Issuer adjusted diluted EPS

Shortcut win

Shortcut off by $0.06 · Street off by $0.07.

Uses issuer adjusted diluted EPS of $0.73, versus $0.71 GAAP. The score compares published values; exact adjustment matching remains unverified.

Issuer earnings release ↗

USD per diluted share

Explore the model.

Open the assumptions and calculations behind this earnings forecast.

RF reviewed earnings model
Open in Shortcut ↗Download XLSX ↓

Model note: Average-balance and fee assumptions carry about $0.0014–$0.0026/share downside sensitivity.

Behind the estimate.

The model forecasts $0.67 per diluted share for the quarter ended September 30, 2026.

Forecast and independent review: Opus 5.5 High in Shortcut.

Model assumptions and review notes
  • Modeled normalized EPS; comparability with the frozen Street definition remains unconfirmed. The score compares published values directly.
  • F1/F2/F3/F4 average-balance and fee-basis assumptions drive EPS but corrections are not determined by evidence: -0.0015 / -0.0042 / +0.0035 / -0.0004 or +0.0008 EPS. Combined downward alternatives ~-0.0026 -> ~$0.6641 (rounds to $0.66 = consensus); model sits ~$0.0017 above the $0.665 strict-beat rounding threshold.
  • F6: normalized methodology undocumented; basis equivalence rests on a four-quarter rounding tie.
  • Segment 3Q25/4Q25 on 2025 management basis vs recast 1Q26/2Q26 (disclosed in footnotes); consolidated unaffected.
  • Operating cash flow 715.5 is a low-confidence simplified estimate (F8); capex and FCF not applicable for the bank.
  • Wrapped-text rendering could not be visually confirmed (Shortcut renderer does not draw wrap); verified via XML wrapText and row heights.
  • No sheet contains frozen panes (no pane elements in any sheetView), so none can be removed.
  • F1-F4 average-balance and fee-basis assumptions are retained judgments. Combined potential is about -$0.0014 to -$0.0026, which could take EPS from 0.6667 to below the 0.665 strict-beat rounding threshold. This must be stated in the publication caveat.
  • The normalized EPS methodology is not in evidence. Basis equivalence rests on 3Q25-2Q26 rounding ties only. Consensus NI GAAP 563.23 exceeds normalized 561.88, an unexplained 1.35 exceptional.
  • Recast 2026-basis segment figures for 3Q25/4Q25 are unavailable before the cutoff, so segment Y/Y is mixed-basis (no consolidated or EPS effect).
  • Live-page sources S14 and S19-S22 were retrieved after the cutoff without archived snapshots. The size bucket is unaffected (price x shares = $23.06B).
  • Long wrapped notes below the image range (Revenue summary I149/I431 and B448; Income Statement I303) and Guidance B26 could not be visually verified for clipping.
  • Audit completion is not acceptance. Owner sign-off on the retained assumptions and caveat wording is required before publication.

On the record.

Reporting period
Q3 2026 (quarter ended September 30, 2026), ended 2026-09-30
Reporting basis
Modeled adjusted diluted EPS per common share, USD. Income Statement H303 = H298/H263; GAAP EPS is identical because forecast adjustments are zero. Equivalence to the frozen normalized basis is unconfirmed.
Published
Oct 12, 2026, 3:06 AM PDT
Model / effort
Opus 5.5 · High effort

Original forecasts, models and publication times remain on the record.

Research sources