RF at a glance
Regions Financial Corporation (RF, SEC CIK 1281761) filed its latest 10-K annual report on February 24, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on August 11, 2026 and Form 4 insider filings as recently as September 14, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Regions Financial Corporation (RF) reported revenue of $7.1 billion (down 0.5% from FY2024) and net income of $2.2 billion. Diluted EPS was $2.30.
- As of June 30, 2026, 48 institutional investment managers tracked by SignalX reported holding Regions Financial Corporation (RF) shares worth $10.7 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Chadha Anil D on September 10, 2026 of 1 shares at $29.89 per share.
- In the last 90 days, RF insiders reported 0 open-market purchases ($0) and 1 open-market sale ($23.049) on Form 4, a net sale of $23.049.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $7.1B
- −0.5% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$23.049
- 13F holders
- 48 funds
- $10.7B · +0 vs prior quarter
- Latest 8-K
- Aug 11, 2026
- Item 7.01 · Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Management Discussion & Analysis
- Net interest income $5.0B vs $4.9B in 2024 (+$172M); non-interest income $2.5B vs $2.3B; net income $2.1B vs $1.8B YoY
- Net interest margin 3.61% vs 3.54% in 2024; non-interest expense $4.3B vs $4.2B; effective tax rate 21.4% vs 19.6%
- Net charge-offs 0.53% of avg loans vs 0.47% in 2024; allowance coverage ratio 242% vs 186% YoY: credit quality improving
- Capital return: $1.1B common buybacks + $916M common dividends in 2025; new $3.0B buyback authorized Jan 2026–Dec 2027; CET1 10.89%
- Key risks: trade policy uncertainty, tariff pressure on capex/hiring, potential Basel III Endgame capital rule changes, office portfolio stress (NPLs $117M, charge-offs $54M)
Risk Factors
- GENIUS Act and potential CLARITY Act creating compliance uncertainty for DeFi/stablecoin products; regulatory landscape for crypto still evolving
- Geopolitical risks including Russia-Ukraine, China-Taiwan tensions, and Latin America instability driving commodity price volatility and supply chain disruption affecting energy-sector loan portfolio
- 50% of 2025 mortgage originations sold to Agencies; GSE reform proposals could eliminate this secondary market exit, trapping credit and liquidity risk on balance sheet
- USAA patent infringement claims actively pursued against Regions; ongoing litigation costs and potential damages unquantified but materially distracting
- Holding company fully dependent on Regions Bank dividends; subsidiaries carried $133.4B in deposits and borrowings as of December 31, 2025, subordinating equity holders
Business Overview
- Regional bank holding company serving South, Midwest, and Texas via three segments: Corporate Bank, Consumer Bank, and Wealth Management
- Total assets $158.8B, deposits $131.1B, shareholders' equity $19.0B at Dec 31, 2025; 1,247 branch outlets and 1,786 ATMs
- 19,969 full-time equivalent employees; workforce development emphasized via Guild partnership for tuition assistance and skills-based upskilling programs
- Regulatory environment notably eased: OCC/FDIC rescinded stricter 2024 merger review standards; Congressional Review Act resolution bars re-issuance, accelerating M&A approval timelines
- SCB requirement floored at 2.5% through Q3 2027 after Federal Reserve voted to pause stress test model changes pending public feedback: unusual multi-year capital planning extension
AI summary of the RF 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly revenue, YoY change, profitability margins, segment performance, cash flow, and guidance not provided
Risk Factors
- No material changes to 2025 Form 10-K risk factors
- No newly added risk factor identified for second quarter 2026
- Repurchase authorization leaves $2.543 billion available through December 31, 2027
AI summary of the RF 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- CEO John Keenan’s planned retirement signals upcoming leadership transition at Regions Financial
- Related organizational changes may affect strategic execution and management responsibilities
Item 5.02: Departure/Appointment of Directors or Principal Officers
- David R. Keenan retiring January 4, 2027 after stepping down as Chief Administrative Officer September 1, 2026
- Keenan remaining Senior Executive Vice President and senior advisor through retirement, supporting leadership transition
Item 7.01: Regulation FD Disclosure
- Regulation FD disclosure incorporated by reference under Form 8-K General Instruction B.2
- Investor relevance depends on the referenced disclosure, which contains the substantive information
Item 2.02: Results of Operations and Financial Condition
- Preliminary second-quarter 2026 results for quarter ended June 30, 2026
- Press release and supplemental financial information available in Exhibits 99.1 and 99.2
Item 7.01: Regulation FD Disclosure
- Regions’ July 17, 2026 webcast will review preliminary results for quarter ended June 30, 2026
- Exhibit 99.3 presentation provides accompanying operating commentary and investor materials
Item EX-99.1: Item EX-99.1
- 2Q26 net income available to common shareholders $549M, diluted EPS $0.64; adjusted EPS $0.68, up 13% YoY
- Revenue $1.907B, up 2% QoQ; adjusted revenue $1.947B, up 4%, despite a $40M securities repositioning loss
AI summaries of RF 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for RF
Don't miss the next RF filing
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- Fund moves. Which tracked funds opened, added or cut RF, by share count.
- Ask anything. An AI agent that reads every RF filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Chadha Anil D | Sell | Sep 10, 2026 | 0.771 | $29.89 |
| VINES TIMOTHY | A | Jul 15, 2026 | 992.694 | $31.48 |
| Crosswhite Mark A. | A | Jul 15, 2026 | 992.694 | $31.48 |
| MARSHALL RUTH ANN | A | Jul 15, 2026 | 1,707.433 | $31.48 |
| STYSLINGER LEE J III | A | Jul 15, 2026 | 992.694 | $31.48 |
| Hill J Thomas | A | Jul 15, 2026 | 1,111.817 | $31.48 |
| Santone Angela R. | M | Jul 1, 2026 | 28,411 | - |
| Santone Angela R. | F | Jul 1, 2026 | 10,286 | $30.80 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $6.9B | $7.1B | $7.1B |
| Operating Income | $212.0M | $95.0M | $53.0M |
| Net Income | $2.1B | $1.9B | $2.2B |
| Op. Margin | 3.1% | 1.3% | 0.7% |
| Net Margin | 30.1% | 26.6% | 30.5% |
| Balance Sheet | |||
| Total Assets | - | $157.3B | $158.8B |
| Equity | $17.4B | $17.9B | $19.0B |
| ROE | 11.9% | 10.6% | 11.3% |
| Per Share | |||
| EPS | $2.11 | $1.93 | $2.30 |
| Cash Flow | |||
| Operating CF | $2.3B | $1.6B | $2.2B |
Source: XBRL data in Regions Financial Corporation (RF)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate RF share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 48 | $10.72B |
| Q1 2026 | 48 | $9.18B |
| Q4 2025 | 45 | $10.35B |
| Q3 2025 | 45 | $11.20B |
| Q2 2025 | 40 | $8.84B |
| Q1 2025 | 36 | $6.40B |
| Q4 2024 | 32 | $5.69B |
| Q3 2024 | 27 | $2.78B |
- Bank of America Corp+3.78M (+109%)
- State Street Corp+2.95M (+6%)
- Raymond James Financial+1.82M (+139%)
- Goldman Sachs Group+1.23M (+14%)
- Wells Fargo & Co+1.15M (+42%)
- Morgan Stanley−2.35M (-12%)
- Millennium Management−2.21M (-83%)
- Two Sigma Investments−955.0K (-32%)
- BlackRock−891.9K (-1%)
- Vanguard Capital Management LLC−440.3K (-1%)
- StoneX Group Inc.+8.8K
Source: 13F-HR filings on SEC EDGAR (aggregated from 321 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
RF filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 14, 2026 | - | - | - |
| 8-K | Aug 11, 2026 | - | Analysis | - |
| 13F-HR | Aug 10, 2026 | Jun 30, 2026 | - | |
| 8-K | Aug 7, 2026 | - | Analysis | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 17, 2026 | - | Analysis | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | May 13, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 8-K | May 11, 2026 | - | Analysis | |
| 8-K | May 11, 2026 | - | Analysis | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 8, 2026 | - | - |
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RF SEC filings: frequently asked questions
Are RF insiders buying or selling?
In the last 90 days, Regions Financial Corporation (RF) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $23 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold RF stock?
As of June 30, 2026, the largest Regions Financial Corporation (RF) holders among the 13F filers tracked by SignalX were BlackRock ($2.5 billion), Vanguard Capital Management LLC ($1.7 billion), State Street Corp ($1.5 billion), Vanguard Portfolio Management LLC ($1.2 billion), Invesco Ltd ($561.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was RF's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Regions Financial Corporation (RF) reported revenue of $7.1 billion (down 0.5% from FY2024) and net income of $2.2 billion. Diluted EPS was $2.30. The figures come from the XBRL data in the 10-K.
What are the main risks in RF's latest 10-K?
In the 10-K filed February 24, 2026, Regions Financial Corporation (RF) flagged: GENIUS Act and potential CLARITY Act creating compliance uncertainty for DeFi/stablecoin products; regulatory landscape for crypto still evolving. Geopolitical risks including Russia-Ukraine, China-Taiwan tensions, and Latin America instability driving commodity price volatility and supply chain disruption affecting energy-sector loan portfolio. (AI summary of the Risk Factors section.)
What did RF report in its latest 8-K?
Regions Financial Corporation (RF) filed an 8-K on August 11, 2026 reporting Item 7.01 (Regulation FD Disclosure) and Item 5.02 (Departure/Appointment of Directors or Principal Officers). CEO John Keenan’s planned retirement signals upcoming leadership transition at Regions Financial.
What are the latest RF SEC filings?
Regions Financial Corporation (RF) filed its latest 10-K annual report on February 24, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on August 11, 2026 and a Form 4 insider filing on September 14, 2026.
What is RF's SEC CIK number?
Regions Financial Corporation (RF)'s SEC Central Index Key (CIK) is 1281761. EDGAR lists every RF filing under that number.
Ask anything about RF
The research agent reads RF's filings, financials, insider trades and 13F holders, then answers with sources.