{"schema_version":"secwatch.filing_event.v1","accession":"0001281761-24-000022","form_type":"8-K","ticker":"RF","cik":"0001281761","company_name":"REGIONS FINANCIAL CORP","filed_at":"2024-04-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:17.699197+00:00","generated_at":"2026-06-03T15:18:24.248395+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 Q1 EPS $0.37; NII falls 3.8% QoQ, NIM 3.55%; guides FY NII $4.7-4.8B","bullets":["Net income available to common $343M, diluted EPS $0.37, down ~40% YoY.","Net interest income $1.184B (-3.8% QoQ); NIM 3.55% (-5 bps QoQ).","FY2024 guidance: NII $4.7-$4.8B; adjusted non-interest income $2.3-2.4B; expense ~$4.1B.","Recognized $50M pre-tax loss on sale of $1.3B securities; reinvested at higher yields.","Net charge-offs 0.50% annualized; FY2024 NCO guidance 40-50 bps."],"urls":{"canonical":"https://secwatch.observer/filing/0001281761-24-000022","json":"https://secwatch.observer/filing/0001281761-24-000022.json","markdown":"https://secwatch.observer/filing/0001281761-24-000022.md","text":"https://secwatch.observer/filing/0001281761-24-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1281761/000128176124000022/0001281761-24-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1281761/000128176124000022/rf-20240419.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T15:18:24.248395+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":"540f468abf0629d4c83b4d3181f6cd8547238026","claim":"REGIONS FINANCIAL CORP reported first quarter 2024 results: revenue $1.7B, net income $343M, EPS $0.37. Guidance initiated.","evidence_excerpt":"1Q24 Reported Adjusted(1) Net Income Available to Common Shareholders $343M Diluted Earnings Per Share $0.37 Total Revenue $1.7B $1.8B Non-Interest Expense $1.1B $1.1B Pre-Tax Pre-Provision Income(1) $616M $700M Efficiency Ratio 64.3% 60.6% Net-Charge Offs / Avg Loans 0.50% 0.50%","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1281761/000128176124000022/0001281761-24-000022-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2024"},{"label":"Revenue","value":"$1.7B"},{"label":"Net income","value":"$343M"},{"label":"EPS","value":"$0.37"},{"label":"Guidance","value":"initiated"},{"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"}