| RF |
Report |
Adjusted EPS |
BEAT |
pred ~$0.66 vs. cons $0.64 |
MEDIUM |
| RF |
Report |
Net interest income |
IN-LINE |
pred ~$1.282B vs. cons $1.273B |
MEDIUM |
| RF |
Report |
Adjusted noninterest income |
BEAT |
pred ~$665M vs. cons $656.5M |
LOW |
| RF |
Guide |
Net interest income growth |
BETTER |
guide ~3.5% vs. cons 3.4% (FY2026) |
MEDIUM |
| RF |
Guide |
Average loan growth |
BETTER |
guide ~3.0% vs. cons 2.5% (FY2026) |
LOW |
| RF |
Guide |
Net charge-off ratio |
BETTER |
guide ~45 bps vs. cons 47 bps (FY2026) |
MEDIUM |
| RF |
Guide |
Adjusted noninterest expense growth |
UNCHANGED |
guide ~2.5% vs. cons 2.6% (FY2026) |
MEDIUM |
| RF |
Return |
Day-1 residual (stock − beta × S&P 500) |
+1.3% |
— |
LOW |
| RF |
Return |
5-day cumulative residual |
+0.6% (FADE) |
Q2 adjusted EPS of ~$0.66 vs. $0.64 consensus should initially support the shares, but NII of ~$1.282B vs. $1.273B consensus is only in-line and FY2026 NII growth of ~3.5% vs. 3.4% consensus implies limited out-period estimate revisions after the pre-earnings rally. |
LOW |