{"schema_version":"secwatch.filing_event.v1","accession":"0001281761-23-000048","form_type":"8-K","ticker":"RF","cik":"0001281761","company_name":"REGIONS FINANCIAL CORP","filed_at":"2023-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.518169+00:00","generated_at":"2026-06-09T18:10:37.352229+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Regions Q3 EPS $0.49; NIM 3.73%; NCOs 0.40%; FY23 revenue outlook up 5-6%","bullets":["Diluted EPS $0.49, net income available to common $465M; total revenue $1.9B.","Net interest income $1.291B, down 6.5% QoQ; NIM 3.73% (down 31 bps).","Net charge-offs $63M, 0.40% of avg loans; provision $145M ($44M excess over NCOs).","FY23 adjusted total revenue expected up 5-6% vs 2022; Q4 NII expected to decline ~5% QoQ.","CET1 ratio 10.3%; ROATCE 20.6% (14.6% ex. AOCI); managed at ~10% near term."],"urls":{"canonical":"https://secwatch.observer/filing/0001281761-23-000048","json":"https://secwatch.observer/filing/0001281761-23-000048.json","markdown":"https://secwatch.observer/filing/0001281761-23-000048.md","text":"https://secwatch.observer/filing/0001281761-23-000048.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1281761/000128176123000048/0001281761-23-000048-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1281761/000128176123000048/rf-20231020.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T18:10:37.352229+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":"aa8bb5cb86e5533083360042557a169ad58b1087","claim":"REGIONS FINANCIAL CORP reported Third quarter 2023 results: revenue $1.9B, net income $465M, EPS $0.49.","evidence_excerpt":"Third quarter 2023 overview Continue to generate consistent, sustainable long-term performance (1) Non-GAAP, see appendix for reconciliation. Key Performance Metrics 3Q23 Reported Net Income Available to Common Shareholders $465M Diluted Earnings Per Share $0.49 Total Revenue $1.9B Non-Interest Expense $1.1B Pre-Tax Pre-Provision Income(1) $764M Efficiency Ratio 58.5% Net-Charge Offs / Avg Loans 0.40%","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1281761/000128176123000048/0001281761-23-000048-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Third quarter 2023"},{"label":"Revenue","value":"$1.9B"},{"label":"Net income","value":"$465M"},{"label":"EPS","value":"$0.49"},{"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"}