---
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"
generated_at: "2026-05-27T22:59:49.670081+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Regions reports Q4 2024 EPS $0.56; FY EPS $1.93; NII up 1% QoQ; NIM 3.55%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001281761-25-000003
- JSON: https://secwatch.observer/filing/0001281761-25-000003.json
- Plain text: https://secwatch.observer/filing/0001281761-25-000003.txt

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