---
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"
generated_at: "2026-06-09T18:10:37.352229+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Regions Q3 EPS $0.49; NIM 3.73%; NCOs 0.40%; FY23 revenue outlook up 5-6%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001281761-23-000048
- JSON: https://secwatch.observer/filing/0001281761-23-000048.json
- Plain text: https://secwatch.observer/filing/0001281761-23-000048.txt

## Key facts
- Earnings Releases
  REGIONS FINANCIAL CORP reported Third quarter 2023 results: revenue $1.9B, net income $465M, EPS $0.49.
  - Period: Third quarter 2023
  - Revenue: $1.9B
  - Net income: $465M
  - EPS: $0.49
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1281761/000128176123000048/0001281761-23-000048-index.htm

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