Regions银行三季度净利6.11亿美元、同比增11% 资本市场收入1.07亿美元创纪录
总部位于阿拉巴马州Birmingham的Regions Financial Corporation（纽约证券交易所代码：RF）2026年10月16日公布截至2026年9月30日的第三季度业绩：普通股股东净收入为6.11亿美元，同比增长11%；摊薄每股收益为0.71美元，同比增长16%，上年同期为每股0.61美元、净收入5.48亿美元。调整后净收入为6.22亿美元、调整后摊薄每股收益为0.73美元，调整项包括1,500万美元的证券重组损失。调整后税前拨备前利润为8.70亿美元，调整后平均有形普通股权益回报率为21.7%。
收入方面，公司第三季度总营收为19.73亿美元，同比增长3.0%。其中净利息收入为12.98亿美元，同比增长3.3%，净息差为3.68%；非利息收入为6.75亿美元，同比增长2.4%，其中资本市场收入达1.07亿美元、创历史纪录，环比增长27%；存款账户服务费收入为1.71亿美元，同比增长6.9%；商业信用费用收入为3,500万美元，增长25%。
信贷质量方面，公司第三季度信贷损失拨备为6,800万美元，低于上季度的水平，也低于上年同期的1.05亿美元。净核销为7,200万美元，年化后占平均贷款的0.29%，低于第二季度的0.42%和上年同期的0.55%。不良贷款占贷款总额的比例降至0.59%，信贷损失拨备对不良贷款的覆盖率为275%。
资产负债与资本方面，公司第三季度平均贷款为992亿美元，环比增长0.5%，期末贷款为998亿美元；平均存款为1,291亿美元，下降1.2%。公司估计普通股一级资本（CET1）比率为10.8%。季度内公司回购了约300万股普通股、金额9,500万美元，并宣派普通股股息2.55亿美元；季度末可用流动性约为640亿美元。
公司董事长、总裁兼首席执行官John Turner在业绩说明中说，强劲的信贷质量、费用类业务的持续势头，以及其业务覆盖区域内充满活力的经济市场，共同促成了第三季度的业绩；公司在继续推进业务体系现代化和能力扩展的同时，Regions Bank有能力满足客户不断变化的需求，并推动更可持续的增长。公司在当天的业绩电话会上还表示，资本市场和财资管理两项业务第三季度收入均创纪录。
Regions Financial是标普500指数成分股，资产约1,610亿美元，通过子公司Regions Bank在美国南部、中西部和德州等地服务客户，运营1,200多家银行网点和1,750多台自动取款机，提供个人与商业银行、财富管理和抵押贷款等产品与服务。
Regions Financial Q3 Net Income Rises 11% to $611 Million as Capital Markets Income Hits a Record $107 Million
Regions Financial Corporation (NYSE: RF), headquartered in Birmingham, Alabama, reported third-quarter 2026 results on October 16, 2026, for the quarter ended September 30, 2026. Net income available to common shareholders was $611 million, up 11 percent year over year, and diluted earnings per share were $0.71, up 16 percent from $0.61 a year earlier, when net income was $548 million. Adjusted net income was $622 million, or $0.73 per diluted share, reflecting the exclusion of $15 million in securities repositioning losses. Adjusted pretax pre-provision income was $870 million, and the adjusted return on average tangible common equity was 21.7 percent.
Total revenue rose 3.0 percent year over year to $1.973 billion. Net interest income increased 3.3 percent to $1.298 billion, and the net interest margin was 3.68 percent. Noninterest income rose 2.4 percent to $675 million, including record capital markets income of $107 million, up 27 percent sequentially. Service charges on deposit accounts rose 6.9 percent to $171 million, and commercial credit fee income jumped 25 percent to $35 million.
On credit quality, the provision for credit losses was $68 million in the quarter, down from $105 million a year earlier. Net charge-offs were $72 million, or an annualized 0.29 percent of average loans, down from 0.42 percent in the prior quarter and 0.55 percent a year earlier. Nonperforming loans fell to 0.59 percent of total loans, and the allowance for credit losses covered nonperforming loans at 275 percent.
Average loans increased 0.5 percent sequentially to $99.2 billion, with ending loans of $99.8 billion, while average deposits declined 1.2 percent to $129.1 billion. The company's estimated Common Equity Tier 1 ratio was 10.8 percent. During the quarter Regions repurchased approximately 3 million common shares for $95 million and declared $255 million in common dividends, and total available liquidity was approximately $64 billion at quarter-end.
John Turner, Chairman, President and CEO, said: "Strong credit quality, continued momentum in fee-based businesses, and economically vibrant markets throughout our footprint all contributed to our third quarter results. As we continue to modernize the franchise and expand our capabilities, Regions Bank is well positioned to meet the evolving needs of our customers and drive more sustainable growth over time." On the earnings call, management added that both capital markets and treasury management delivered record revenue in the quarter.
Regions Financial, a member of the S&P 500 Index with about $161 billion in assets, serves customers across the South, Midwest and Texas through its subsidiary Regions Bank, which operates more than 1,200 banking offices and more than 1,750 ATMs, providing consumer and commercial banking, wealth management and mortgage products and services.
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图片来源：阿拉巴马州伯明翰市中心Regions中心大楼（右侧带REGIONS标识）· Melinda Shelton 摄，CC BY 2.0（维基共享资源 File:Wachovia and Regions, downtown Birmingham.jpg）
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