---
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"
generated_at: "2026-05-23T11:36:21.636047+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Regions Financial Q1 2025 EPS $0.51 GAAP ($0.54 adj); revenue $1,784M

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1281761/000128176125000028/0001281761-25-000028-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1281761/000128176125000028/rf-20250417.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001281761-25-000028
- JSON: https://secwatch.observer/filing/0001281761-25-000028.json
- Plain text: https://secwatch.observer/filing/0001281761-25-000028.txt

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