{"schema_version":"secwatch.filing_event.v1","accession":"0001281761-26-000063","form_type":"8-K","ticker":"RF","cik":"0001281761","company_name":"REGIONS FINANCIAL CORP","filed_at":"2026-10-16T10:01:52+00:00","discovered_at":"2026-10-16T10:05:00.299769+00:00","generated_at":"2026-10-16T10:05:26.709380+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Regions Financial 3Q26 EPS $0.71 (+16% YoY); revenue $1.97B, NIM 3.68%","bullets":["Net income available to common shareholders $611M, adjusted $622M; diluted EPS $0.71, adjusted $0.73; reported EPS up 16% YoY on 11% higher earnings.","Total revenue $1,973M, up 3.5% QoQ and 3.0% YoY; net interest income $1,298M (+1.6% QoQ); net interest margin 3.68% FTE.","Record capital markets income $107M, up 27% QoQ on higher M&A advisory, securities underwriting/placement, commercial swap and syndication revenue; Treasury Management also a record quarter.","Net charge-offs 0.29% of average loans, down 13bps QoQ; ACL/loans 1.61%; CET1 estimated at 10.8%; adjusted ROATCE 21.66%; efficiency ratio 55.8% adjusted.","4Q26 outlook: NII up 1-2% vs 3Q26 and NIM ~3.70%; FY26 average loans up low single digits. Sold ~$845M Agency CMBS/CMOs at $15M pre-tax loss."],"urls":{"canonical":"https://secwatch.observer/filing/0001281761-26-000063","json":"https://secwatch.observer/filing/0001281761-26-000063.json","markdown":"https://secwatch.observer/filing/0001281761-26-000063.md","text":"https://secwatch.observer/filing/0001281761-26-000063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1281761/000128176126000063/0001281761-26-000063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1281761/000128176126000063/rf-20261016.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-16T10:05:26.709380+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"}