{"schema_version":"secwatch.filing_event.v1","accession":"0001281761-26-000006","form_type":"8-K","ticker":"RF","cik":"0001281761","company_name":"REGIONS FINANCIAL CORP","filed_at":"2026-01-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.697176+00:00","generated_at":"2026-05-16T09:45:11.801800+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 reports Q4 EPS $0.58; FY2025 adjusted EPS $2.33 (+9% YoY)","bullets":["Q4 net income $534M, diluted EPS $0.58; FY2025 net income $2.16B, adjusted EPS $2.33 up 9% YoY.","Total revenue $1.92B in Q4; NIM improved to 3.70% from 3.59% (Q3).","Record wealth management and treasury management income in 2025; capital markets second best year.","Credit metrics improved: NPLs down 8% QoQ, ACL/NPLs 242%, criticized loans down 9%.","Repurchased $430M in Q4; CET1 ratio 10.8%; TCE per share $13.75 up 20% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001281761-26-000006","json":"https://secwatch.observer/filing/0001281761-26-000006.json","markdown":"https://secwatch.observer/filing/0001281761-26-000006.md","text":"https://secwatch.observer/filing/0001281761-26-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1281761/000128176126000006/0001281761-26-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1281761/000128176126000006/rf-20260116.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:45:11.801800+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"}