{"schema_version":"secwatch.filing_event.v1","accession":"0001281761-23-000003","form_type":"8-K","ticker":"RF","cik":"0001281761","company_name":"REGIONS FINANCIAL CORP","filed_at":"2023-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:44.210687+00:00","generated_at":"2026-06-20T12:16:54.547024+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Regions Financial Q4 2022: record NII of $1.4B, EPS $0.70; FY23 revenue growth 8-10% guided","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001281761-23-000003","json":"https://secwatch.observer/filing/0001281761-23-000003.json","markdown":"https://secwatch.observer/filing/0001281761-23-000003.md","text":"https://secwatch.observer/filing/0001281761-23-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1281761/000128176123000003/0001281761-23-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1281761/000128176123000003/rf-20230120.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T12:16:54.547024+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"6e466a76633aa74d545bcc492a76218d34654ef0","claim":"REGIONS FINANCIAL CORP updated its 2023 guidance (reaffirmed).","evidence_excerpt":"Expect 2023 reported ending loan balances to grow ~4% compared to 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1281761/000128176123000003/0001281761-23-000003-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"2023"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"guidance update"}],"fact_type":"earnings_release"},{"claim_id":"7764c3ff46e2d1da22824081dde288747d3f8548","claim":"REGIONS FINANCIAL CORP reported 4Q22 FY22 results: revenue $2.0B, net income $660M, EPS $0.70.","evidence_excerpt":"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","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1281761/000128176123000003/0001281761-23-000003-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"4Q22 FY22"},{"label":"Revenue","value":"$2.0B"},{"label":"Net income","value":"$660M"},{"label":"EPS","value":"$0.70"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}