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Regions Financial 8-K Report, Regulation FD Disclosure (Feb 9, 2026)

Reports
Regulation FD·Exhibits & Filings
Filing Date
Filed February 9, 2026
Period End
February 9, 2026
In the record · 2016–202610-K1210-Q328-K207

RF filed 12 annual reports (10-K), 32 quarterly reports (10-Q) and 207 current reports (8-K) between 2016 and 2026.

  1. Material agreement8-K · Aug ’18Aug ’18
  2. Leadership change8-K · Jun ’22Jun ’22
  3. Leadership change8-K · Dec ’24Dec ’24

01—Abstract

Summary

Summary of the 8-K filed February 9, 2026. Cited figures are marked; the original filing is the authoritative source.

Regions Financial Corporation (RF) filed this Form 8-K on February 9, 2026 under Item 7.01 (Regulation FD Disclosure) to furnish investor presentation materials that executives will use at institutional investor meetings and events during February and March 2026.

The filing itself contains no new financial results; it attaches Exhibit 99.1, the presentation deck, which the filing states is also available on Regions' website. The information is furnished rather than filed for purposes of Section 18 of the Exchange Act. The presentation materials report fourth-quarter 2025 net income available to common shareholders of $514 milliona and full-year 2025 of $2,061 million, with diluted EPS of $0.58 for the quarter and $2.30 for the year.

Adjusted full-year diluted EPS was $2.33b, and the return on average tangible common shareholders' equity was 18.25% reported (18.51% adjusted). Net interest income for 4Q25 was $1,281 million, up 1.9% quarter over quarter, with net interest margin rising 11 basis points to 3.70%. The company's common equity Tier 1 ratio was 10.8% reported and 9.6% inclusive of AOCI.

For 2026, management guides to full-year net interest income growth of 2.5%c to 4%, adjusted non-interest income growth of 3% to 5%, and adjusted non-interest expense growth of 1.5% to 3.5%. Net charge-offs are expected to be 40 to 50 basis points of average loans. The company also flagged a 1Q26 net interest income decline of 1% to 2% versus 4Q25, reflecting day count and non-recurring items.

02—Key points

Key Highlights

  1. 4Q25 net income available to common shareholders of $514 million; FY25 of $2,061 million, with diluted EPS of $0.58 (4Q) and $2.30 (FY25)
  2. 4Q25 net interest margin rose 11 basis points to 3.70%, with net interest income of $1,281 million, up 1.9% quarter over quarter
  3. FY25 return on average tangible common shareholders' equity of 18.25% reported and 18.51% adjusted (non-GAAP)
  4. 2026 guidance: net interest income up 2.5% to 4%, adjusted non-interest income up 3% to 5%, adjusted non-interest expense up 1.5% to 3.5%
  5. Expected 2026 net charge-offs of 40 to 50 basis points of average loans; 4Q25 net charge-offs were 59 basis points, up 4 basis points from the prior quarter
  6. CET1 ratio of 10.8% reported and 9.6% inclusive of AOCI at 4Q25; management expects to manage CET1 inclusive of AOCI around the midpoint of its 9.25% to 9.75% operating range
  7. Presentation highlights a $4.5 billion forward-starting hedge program and deposit cost reduction, with 4Q25 interest-bearing deposit cost at 1.85%, down 16 basis points quarter over quarter

03—Questions

Frequently Asked Questions

  1. What is the purpose of this 8-K filing?

    The filing furnishes under Item 7.01 (Regulation FD Disclosure) the presentation materials that Regions executives will use with institutional investors at meetings and events in February and March 2026. The information is furnished and not deemed filed for purposes of Section 18 of the Exchange Act.

  2. What are Regions' 2026 financial expectations?

    Management expects full-year 2026 net interest income to rise 2.5% to 4%, adjusted non-interest income to rise 3% to 5%, and adjusted non-interest expense to rise 1.5% to 3.5%, including investments. Net charge-offs are expected at 40 to 50 basis points of average loans, and the effective tax rate at 20.5% to 21.5%.

  3. How did Regions perform in the fourth quarter and full year 2025?

    The presentation reports 4Q25 net income available to common shareholders of $514 million and diluted EPS of $0.58, with full-year 2025 figures of $2,061 million and $2.30. Net interest margin increased 11 basis points to 3.70% in 4Q25.

  4. What does the presentation say about near-term net interest income?

    Regions expects 1Q26 net interest income to decline 1% to 2% versus 4Q25, reflecting day count and non-recurring items partly offset by balance sheet repricing. It expects 1Q26 net interest margin to be mostly stable at about 3.70%, with a positive trend expected to reach the low-to-mid 3.70% range by 4Q26.

  5. Where can investors find the presentation materials?

    The presentation materials are attached as Exhibit 99.1 to the filing and are also available on Regions' website at www.regions.com.

04—Continue

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