secwatch.observer — SEC 8-K summary
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Issuer:     REGIONS FINANCIAL CORP (RF)
CIK:        0001281761
Form:       8-K
Filed at:   2025-01-17T23:59:59+00:00
Accession:  0001281761-25-000003
Event type: earnings
Sentiment:  neutral
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1281761/000128176125000003/0001281761-25-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1281761/000128176125000003/rf-20250117.htm
  HTML page:      https://secwatch.observer/filing/0001281761-25-000003

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer