{"schema_version":"secwatch.filing_event.v1","accession":"0001281761-25-000028","form_type":"8-K","ticker":"RF","cik":"0001281761","company_name":"REGIONS FINANCIAL CORP","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.828351+00:00","generated_at":"2026-05-23T11:36:21.636047+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Regions Financial Q1 2025 EPS $0.51 GAAP ($0.54 adj); revenue $1,784M","bullets":["Net income available to common shareholders $465M GAAP ($487M adj); diluted EPS $0.51 ($0.54 adj).","Net interest income $1,206M; NIM 3.52%, down 3bps QoQ; NII expected to grow ~3% in Q2.","Avg loans stable at $95.7B; avg deposits up 1% to $131B; NCOs annualized 0.52%. CET1 10.8% (est).","Share repurchases $242M; common dividend $0.25/share. FY2025 NII guidance +1-4%; adj NIR +1-3%.","Credit quality: ACL 1.81% stable; NPLs 0.88%; management expects NCOs toward upper end of 40-50bps range."],"urls":{"canonical":"https://secwatch.observer/filing/0001281761-25-000028","json":"https://secwatch.observer/filing/0001281761-25-000028.json","markdown":"https://secwatch.observer/filing/0001281761-25-000028.md","text":"https://secwatch.observer/filing/0001281761-25-000028.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1281761/000128176125000028/0001281761-25-000028-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1281761/000128176125000028/rf-20250417.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T11:36:21.636047+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"}