---
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"
generated_at: "2026-05-16T09:45:11.801800+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Regions reports Q4 EPS $0.58; FY2025 adjusted EPS $2.33 (+9% YoY)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001281761-26-000006
- JSON: https://secwatch.observer/filing/0001281761-26-000006.json
- Plain text: https://secwatch.observer/filing/0001281761-26-000006.txt

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