---
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"
generated_at: "2026-06-13T04:50:08.612139+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Regions Q2 EPS $0.59, revenue $2.0B; raises dividend 20% to $0.24/share

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1281761/000128176123000039/0001281761-23-000039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1281761/000128176123000039/rf-20230721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001281761-23-000039
- JSON: https://secwatch.observer/filing/0001281761-23-000039.json
- Plain text: https://secwatch.observer/filing/0001281761-23-000039.txt

## Key facts
- Earnings Releases
  REGIONS FINANCIAL CORP reported Second quarter 2023 results: revenue $2.0B, net income $556M, EPS $0.59.
  - Period: Second quarter 2023
  - Revenue: $2.0B
  - Net income: $556M
  - EPS: $0.59
  - Result: reported results
  source text: 2Q23 Reported Net Income Available to Common Shareholders $556M Diluted Earnings Per Share $0.59 Total Revenue $2.0B
  evidence_url: https://www.sec.gov/Archives/edgar/data/1281761/000128176123000039/0001281761-23-000039-index.htm

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