secwatch.observer — SEC 8-K summary
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Issuer:     REGIONS FINANCIAL CORP (RF)
CIK:        0001281761
Form:       8-K
Filed at:   2023-01-20T23:59:59+00:00
Accession:  0001281761-23-000003
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1281761/000128176123000003/0001281761-23-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1281761/000128176123000003/rf-20230120.htm
  HTML page:      https://secwatch.observer/filing/0001281761-23-000003

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer