---
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"
generated_at: "2026-06-06T21:06:40.986592+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Regions Financial Q4 EPS $0.39, NII down 4.6% QoQ; guides 2024 NII $4.7-4.8B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001281761-24-000003
- JSON: https://secwatch.observer/filing/0001281761-24-000003.json
- Plain text: https://secwatch.observer/filing/0001281761-24-000003.txt

## Key facts
- Earnings Releases
  REGIONS FINANCIAL CORP updated its 4Q23 guidance (reaffirmed).
  - Period: 4Q23
  - Guidance: reaffirmed
  - Result: reported results
  source text: 4th Quarter Earnings Conference Call January 19th, 2024 2 2023 Overview Continue to deliver consistent, sustainable long-term performance
  evidence_url: https://www.sec.gov/Archives/edgar/data/1281761/000128176124000003/0001281761-24-000003-index.htm

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