---
schema_version: "secwatch.filing_event.v1"
accession: "0001281761-23-000027"
form_type: "8-K"
ticker: "RF"
cik: "0001281761"
company_name: "REGIONS FINANCIAL CORP"
filed_at: "2023-04-21T23:59:59+00:00"
generated_at: "2026-06-16T21:11:08.321120+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Regions Q1 2023 EPS $0.62; NII record $1.4B; guides FY revenue up 6-8%

## Summary
- Net income available to common $588M, diluted EPS $0.62; ROATCE 26.7%.
- Net interest income record $1.4B, NIM 4.22% (+23bps QoQ).
- Adjusted total revenue expected up 6-8% for FY2023; NII growth 12-14%.
- CET1 ratio 9.8%; managing at or above 10% near-term; no share repurchases in Q1.
- Net charge-offs 35bps; expect full-year ~35bps; ACL ratio stable at 1.63%.

## SEC filing metadata
- accession: 0001281761-23-000027
- form_type: 8-K
- ticker: RF
- cik: 0001281761
- company_name: REGIONS FINANCIAL CORP
- filed_at: 2023-04-21T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1281761/000128176123000027/0001281761-23-000027-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1281761/000128176123000027/rf-20230421.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001281761-23-000027
- JSON: https://secwatch.observer/filing/0001281761-23-000027.json
- Plain text: https://secwatch.observer/filing/0001281761-23-000027.txt

## Key facts
- Earnings Releases
  REGIONS FINANCIAL CORP reported 1Q23 results: revenue $2.0B, net income $588M, EPS $0.62.
  - Period: 1Q23
  - Revenue: $2.0B
  - Net income: $588M
  - EPS: $0.62
  - Result: reported results
  source text: 1Q23 Reported Net Income Available to Common Shareholders $588M Diluted Earnings Per Share $0.62 Total Revenue $2.0B
  evidence_url: https://www.sec.gov/Archives/edgar/data/1281761/000128176123000027/0001281761-23-000027-index.htm

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