{"schema_version":"secwatch.filing_event.v1","accession":"0001281761-24-000003","form_type":"8-K","ticker":"RF","cik":"0001281761","company_name":"REGIONS FINANCIAL CORP","filed_at":"2024-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.673488+00:00","generated_at":"2026-06-06T21:06:40.986592+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Regions Financial Q4 EPS $0.39, NII down 4.6% QoQ; guides 2024 NII $4.7-4.8B","bullets":["4Q23 net income $391M, diluted EPS $0.39; FY23 net income $2.0B, diluted EPS $2.11.","4Q23 NII $1,231M (-4.6% QoQ); NIM 3.60% (-13 bps QoQ).","2024 guidance: NII $4.7-4.8B, NIM ~3.50%, adjusted NIE ~$4.1B, NCOs 40-50 bps.","1Q24 NII expected to decline 3-5% vs 4Q23; deposit cost normalization and forward swaps weigh.","4Q23 included $119M FDIC special assessment and $28M severance; $252M in share repurchases."],"urls":{"canonical":"https://secwatch.observer/filing/0001281761-24-000003","json":"https://secwatch.observer/filing/0001281761-24-000003.json","markdown":"https://secwatch.observer/filing/0001281761-24-000003.md","text":"https://secwatch.observer/filing/0001281761-24-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1281761/000128176124000003/0001281761-24-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1281761/000128176124000003/rf-20240119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T21:06:40.986592+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":"f94671e832f177566b6afb150a13fc4edf7b30f3","claim":"REGIONS FINANCIAL CORP updated its 4Q23 guidance (reaffirmed).","evidence_excerpt":"4th Quarter Earnings Conference Call January 19th, 2024 2 2023 Overview Continue to deliver consistent, sustainable long-term performance","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1281761/000128176124000003/0001281761-24-000003-index.htm","confidence":0.85,"family_label":"Earnings Releases","details":[{"label":"Period","value":"4Q23"},{"label":"Guidance","value":"reaffirmed"},{"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"}