{"schema_version":"secwatch.filing_event.v1","accession":"0001281761-23-000039","form_type":"8-K","ticker":"RF","cik":"0001281761","company_name":"REGIONS FINANCIAL CORP","filed_at":"2023-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.422325+00:00","generated_at":"2026-06-13T04:50:08.612139+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Regions Q2 EPS $0.59, revenue $2.0B; raises dividend 20% to $0.24/share","bullets":["Net income available to common of $556M ($0.59 diluted EPS), flat YoY; total revenue $2.0B.","NII $1.381B (-2.5% QoQ) as deposit costs normalized; NIM 4.04% (-18bps).","CET1 ratio 10.1%; Board declared $0.24 quarterly dividend, a 20% increase.","Non-interest expense $1.111B (+8% QoQ) driven by $82M check fraud costs; fraud now normalized.","2023 guidance: adjusted revenue +6-8%, NII +12-14% vs 2022; 3Q23 NII expected ~-5% QoQ."],"urls":{"canonical":"https://secwatch.observer/filing/0001281761-23-000039","json":"https://secwatch.observer/filing/0001281761-23-000039.json","markdown":"https://secwatch.observer/filing/0001281761-23-000039.md","text":"https://secwatch.observer/filing/0001281761-23-000039.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1281761/000128176123000039/0001281761-23-000039-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1281761/000128176123000039/rf-20230721.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T04:50:08.612139+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":"fd40c9208ab4138ed71af7d8c8b1b77ad5b0adb6","claim":"REGIONS FINANCIAL CORP reported Second quarter 2023 results: revenue $2.0B, net income $556M, EPS $0.59.","evidence_excerpt":"2Q23 Reported Net Income Available to Common Shareholders $556M Diluted Earnings Per Share $0.59 Total Revenue $2.0B","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1281761/000128176123000039/0001281761-23-000039-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Second quarter 2023"},{"label":"Revenue","value":"$2.0B"},{"label":"Net income","value":"$556M"},{"label":"EPS","value":"$0.59"},{"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"}