{"schema_version":"secwatch.filing_event.v1","accession":"0001281761-25-000003","form_type":"8-K","ticker":"RF","cik":"0001281761","company_name":"REGIONS FINANCIAL CORP","filed_at":"2025-01-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.179940+00:00","generated_at":"2026-05-27T22:59:49.670081+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Regions reports Q4 2024 EPS $0.56; FY EPS $1.93; NII up 1% QoQ; NIM 3.55%","bullets":["Q4 net income available to common $508M; diluted EPS $0.56 (adjusted $0.59). FY EPS $1.93.","Total revenue Q4 $1,815M ($1,845M adjusted); NII $1,230M (+1% QoQ). NIM 3.55% (+1bp QoQ).","Avg loans $96.7B (-0.1% QoQ); avg deposits $127.6B (+0.8% QoQ). NIB mix stable low-30%.","FY 2025 NII guidance +2% to +5%; adjusted non-interest income +2-4%; NCOs 40-50 bps (upper end).","CET1 ratio 10.8%; adjusted CET1 incl. AOCI 8.8%; near-term target 9.25-9.75% operating range."],"urls":{"canonical":"https://secwatch.observer/filing/0001281761-25-000003","json":"https://secwatch.observer/filing/0001281761-25-000003.json","markdown":"https://secwatch.observer/filing/0001281761-25-000003.md","text":"https://secwatch.observer/filing/0001281761-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1281761/000128176125000003/0001281761-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1281761/000128176125000003/rf-20250117.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T22:59:49.670081+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}