---
schema_version: "secwatch.filing_event.v1"
accession: "0001281761-24-000094"
form_type: "8-K"
ticker: "RF"
cik: "0001281761"
company_name: "REGIONS FINANCIAL CORP"
filed_at: "2024-10-18T23:59:59+00:00"
generated_at: "2026-05-30T12:44:23.135966+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, NII $1.22B, securities repositioning yields $75M loss

## Summary
- Net income available to common shareholders $446M, diluted EPS $0.49; QoQ net income down 6.5%.
- Net interest income $1.22B, up 3% QoQ; NIM 3.54%, up 3 bps QoQ.
- Sold $1.3B AFS securities, realized $75M pre-tax loss; reinvested at higher market yields.
- 2024 guidance: NII ~$4.8B, adjusted non-interest income $2.45-$2.5B, adjusted NIE ~$4.25B.
- NCOs 0.48% (48 bps), up 6 bps QoQ; full-year NCOs expected toward upper end of 40-50 bps range.

## SEC filing metadata
- accession: 0001281761-24-000094
- form_type: 8-K
- ticker: RF
- cik: 0001281761
- company_name: REGIONS FINANCIAL CORP
- filed_at: 2024-10-18T23:59:59+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/1281761/000128176124000094/0001281761-24-000094-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1281761/000128176124000094/rf-20241018.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001281761-24-000094
- JSON: https://secwatch.observer/filing/0001281761-24-000094.json
- Plain text: https://secwatch.observer/filing/0001281761-24-000094.txt

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