Regions Financial Q4 2022: record NII of $1.4B, EPS $0.70; FY23 revenue growth 8-10% guided

REGIONS FINANCIAL CORP

2022-FY EPS reported $2.28

Q4 net income $660M ($0.70 diluted EPS); FY22 net income $2.1B ($2.28 diluted EPS).
Record net interest income $1.4B in Q4; NIM expanded 46bps to 3.99%, highest in 15 years.
FY22 pre-tax pre-provision income (adjusted) $3.3B, highest ever; CET1 ratio 9.6%.
FY23 guidance: total adjusted revenue up 8-10%, NII growth 13-15%, NCOs 25-35bps.
Loan growth Q4 ending $97B; deposits declined $7.3B YoY, expected down $3-5B in 1H23.

item 2.02 item 7.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.9

REGIONS FINANCIAL CORP updated its 2023 guidance (reaffirmed).

Period: 2023
Guidance: reaffirmed
Result: guidance update

Exact text from the filing

Expect 2023 reported ending loan balances to grow ~4% compared to 2022

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Earnings Releases SEC 8-K Item 2.02 confidence 0.95

REGIONS FINANCIAL CORP reported 4Q22 FY22 results: revenue $2.0B, net income $660M, EPS $0.70.

Period: 4Q22 FY22
Revenue: $2.0B
Net income: $660M
EPS: $0.70
Result: reported results

Exact text from the filing

Net Income Available to Common Shareholders $660M $2.1B Diluted Earnings Per Share $0.70 $2.28 Total Revenue $2.0B $2.0B $7.2B $7.2B

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Source: SEC EDGAR

accession 0001281761-23-000003

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