---
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"
generated_at: "2026-06-20T12:16:54.547024+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001281761-23-000003
- JSON: https://secwatch.observer/filing/0001281761-23-000003.json
- Plain text: https://secwatch.observer/filing/0001281761-23-000003.txt

## Key facts
- Earnings Releases
  REGIONS FINANCIAL CORP updated its 2023 guidance (reaffirmed).
  - Period: 2023
  - Guidance: reaffirmed
  - Result: guidance update
  source text: Expect 2023 reported ending loan balances to grow ~4% compared to 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/1281761/000128176123000003/0001281761-23-000003-index.htm
- Earnings Releases
  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
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1281761/000128176123000003/0001281761-23-000003-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.