| RF |
Report |
Diluted EPS (GAAP) |
BEAT |
pred ~$0.61 vs. cons $0.60 |
MEDIUM |
| RF |
Report |
Net interest income |
IN-LINE |
pred ~$1.274B vs. cons $1.272B |
HIGH |
| RF |
Report |
Net interest margin (FTE) |
IN-LINE |
pred ~3.72% vs. cons 3.71% |
MEDIUM |
| RF |
Guide |
FY26 net interest income growth |
BETTER |
guide ~3.3% vs. cons 3.1% (FY2026) |
MEDIUM |
| RF |
Guide |
FY26 exit net interest margin |
BETTER |
guide ~3.74% vs. cons 3.72% (4Q2026 exit) |
MEDIUM |
| RF |
Guide |
FY26 net charge-offs / average loans |
UNCHANGED |
guide ~45 bps vs. cons 45 bps (FY2026) |
HIGH |
| RF |
Guide |
FY26 adjusted noninterest-expense growth |
UNCHANGED |
guide ~2.5% vs. cons 2.5% (FY2026) |
HIGH |
| RF |
Return |
Day-1 residual (stock − beta × S&P 500) |
+2.5% |
— |
MEDIUM |
| RF |
Return |
5-day cumulative residual |
+3.5% (FOLLOW-THROUGH) |
A modest GAAP EPS beat is reinforced by ~3.3% FY2026 NII growth versus ~3.1% consensus and a ~3.74% 4Q26 exit NIM versus ~3.72% consensus; those out-period revenue assumptions support upward 2H26/2027 estimate revisions despite the ~$40M pre-tax securities loss. |
MEDIUM |