{"schema_version":"secwatch.filing_event.v1","accession":"0001281761-25-000074","form_type":"8-K","ticker":"RF","cik":"0001281761","company_name":"REGIONS FINANCIAL CORP","filed_at":"2025-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.022562+00:00","generated_at":"2026-05-17T03:21:36.785014+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Regions Q3 adj EPS $0.63 up 11% YoY; revenue $1.92B up 7%; wealth and capital markets records","bullets":["Net income available to common $548M; GAAP EPS $0.61; adjusted EPS $0.63, up 11% YoY.","Total revenue $1.92B, up 7% YoY; NIM 3.59% vs 3.65% prior quarter; fee income records in wealth and capital markets.","Wealth management income $139M (record); capital markets income $104M (record ex-CVA); service charges up 6%.","Credit quality stable: net charge-offs 0.55% of loans; business criticized loans down ~$1B or 20%; ACL/NPLs 226%.","CET1 ratio 10.8%; repurchased ~10M shares for $251M; declared $235M in common dividends."],"urls":{"canonical":"https://secwatch.observer/filing/0001281761-25-000074","json":"https://secwatch.observer/filing/0001281761-25-000074.json","markdown":"https://secwatch.observer/filing/0001281761-25-000074.md","text":"https://secwatch.observer/filing/0001281761-25-000074.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1281761/000128176125000074/0001281761-25-000074-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1281761/000128176125000074/rf-20251017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:21:36.785014+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"}