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[Form 4] REGIONS FINANCIAL CORP Insider Trading Activity

Filing Impact
(Low)
Filing Sentiment
(Neutral)
Form Type
4

Regions Financial (RF) filed a Form 4 reporting a director’s election to receive phantom stock under the Director Compensation Program. On 10/15/2025, the director acquired 1,263.1366 phantom stock units (Transaction Code A) at a price of $24.74 per underlying share. Following the transaction, the director beneficially owned 51,179.8851 phantom stock units.

Each phantom stock unit represents the right to the cash value of one share of Regions’ common stock and is accrued quarterly in arrears under the Directors’ Deferred Investment Plan. Units are payable in cash in a lump sum or up to 10 annual installments after the director’s service ends, and include deemed reinvestment of quarterly cash dividends.

Regions Financial (RF) ha presentato un Modulo 4 che riporta l'elezione di un direttore a ricevere azioni fantasma nel Director Compensation Program. Il 15/10/2025, il direttore ha acquisito 1.263,1366 azioni fantasma (Codice di Transazione A) al prezzo di $24,74 per azione sottostante. A seguito della transazione, il direttore detiene beneficiariamente 51.179,8851 azioni fantasma.

Ogni unità di azione fantasma rappresenta il diritto al valore in contanti di una azione delle azioni comuni di Regions ed è accantonata trimestralmente in arretrato ai sensi del Directors’ Deferred Investment Plan. Le unità sono pagabili in contanti in un'unica somma o in fino a 10 rate annuali dopo la fine del mandato del direttore, e includono la reinvestimento presunto dei dividendi trimestrali in contanti.

Regions Financial (RF) presentó un Formulario 4 que reporta la elección de un director para recibir acciones fantasma bajo el Plan de Compensación de Directores. El 15/10/2025, el director adquirió 1.263,1366 unidades de acciones fantasma (Código de Transacción A) a un precio de $24,74 por acción subyacente. Tras la operación, el director tenía en beneficio 51.179,8851 unidades de acciones fantasma.

Cada unidad de acción fantasma representa el derecho al valor en efectivo de una acción de las acciones comunes de Regions y se acumula trimestralmente en atrasos conforme al Directors’ Deferred Investment Plan. Las unidades se deben pagar en efectivo en una suma única o en hasta 10 cuotas anuales después de que termine el servicio del director, e incluyen la reinversión simulada de los dividendos en efectivo trimestrales.

Regions Financial (RF)은 이사 선임으로 형상 주식(팬텀 주식)을 받는 것을 보고하는 Form 4를 제출했습니다. 2025/10/15에 이사는 1,263.1366 팬텀 주식 단위를 (거래 코드 A) 주 underlying 주당 가격 $24.74에 취득했습니다. 거래 후 이사는 이익 소유자로 51,179.8851 팬텀 주식 단위를 보유하게 되었습니다.

각 팬텀 주식 단위는 Regions의 보통주 1주에 해당하는 현금 가치를 받을 권리이며, Directors’ Deferred Investment Plan에 따라 분기별로 뒤늦게 누적됩니다. 단위는 이사 임기가 끝난 후 한 번의 일시불 현금 또는 최대 10회 연간 분할로 현금으로 지급되며, 분기별 현금 배당의 가정적 재투자를 포함합니다.

Regions Financial (RF) a déposé un Formulaire 4 indiquant l’élection d’un administrateur à recevoir des actions fantômes dans le cadre du Director Compensation Program. Le 15/10/2025, l’administrateur a acquis 1,263.1366 unités d’actions fantômes (Code de transaction A) au prix de $24,74 par action sous-jacente. Suite à la transaction, l’administrateur détenait béné ficiellement 51.179,8851 unités d’actions fantômes.

Chaque unité d’action fantôme représente le droit à la valeur en espèces d’une action des actions ordinaires de Regions et est accrualée trimestriellement au titre du Directors’ Deferred Investment Plan. Les unités sont payables en espèces en une somme unique ou jusqu’à 10 versements annuels après la fin du mandat du directeur, et incluent la réinvestissement supposé des dividendes trimestriels en espèces.

Regions Financial (RF) reichte ein Formular 4 ein, das die Wahl eines Direktors zur Aufnahme von Phantomaktien im Director Compensation Program meldet. Am 15.10.2025 erwarb der Direktor 1.263,1366 Phantomaktien-Einheiten (Transaktionscode A) zu einem Preis von $24,74 pro zugrunde liegendem Anteil. Nach der Transaktion hielt der Direktor vorteilhaft 51.179,8851 Phantomaktien-Einheiten.

Jede Phantomaktien-Einheit repräsentiert das Recht auf den Barwert einer Aktie der Stammaktien von Regions und wird vierteljährlich im Nachhinein gemäß dem Directors’ Deferred Investment Plan angesammelt. Die Einheiten sind bar in einer Einmalsumme oder in bis zu 10 jährlichen Ratenzahlungen nach Beendigung der Direktorendienstzeit zahlbar und beinhalten eine als Wiederanlage von vierteljährlichen Bar-Dividenden angenommene Reinvestition.

Regions Financial (RF) قدمت نموذج 4 يبلغ عن اختيار مدير لتلقي أسهم خيالية ضمن برنامج تعويض المدراء. في 15/10/2025، اشترى المدير 1,263.1366 وحدة من الأسهم الخيالية (رمز المعاملة A) بسعر $24.74 للسهم الأساسي. عقب الصفقة، امتلك المدير بشكل مستفيد 51,179.8851 وحدة من الأسهم الخيالية.

كل وحدة أسهم خيالية تمثل حق المطالبة بقيمة نقدية لسهم واحد من أسهم رأس مال Regions العادية وتُحتسب تراكمياً كل ثلاثة أشهر وفقاً لخطة الاستثمار المؤجل للمديرين. الوحدات قابلة للدفع نقداً كمبلغ مقطوع أو حتى 10 أقساط سنوية بعد انتهاء خدمة المدير، وتشمل إعادة استثمار افتراضي لأرباح نقدية ربع سنوية.

Regions Financial (RF) 提交了一份 Form 4,报告一名董事根据董事报酬计划获得幻影股票的选举。于2025/10/15,该董事以每单位底层股票价格$24.74购买了1,263.1366单位幻影股票(交易代码 A)。交易完成后,该董事实际拥有51,179.8851单位幻影股票。

每单位幻影股票代表一股 Regions普通股的现金价值,并根据 Directors’ Deferred Investment Plan 按季度计提。单位可在董事任期结束后一次性现金给付,或分10次年度分期支付,且包含对季度现金股息的假定再投资。

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Regions Financial (RF) ha presentato un Modulo 4 che riporta l'elezione di un direttore a ricevere azioni fantasma nel Director Compensation Program. Il 15/10/2025, il direttore ha acquisito 1.263,1366 azioni fantasma (Codice di Transazione A) al prezzo di $24,74 per azione sottostante. A seguito della transazione, il direttore detiene beneficiariamente 51.179,8851 azioni fantasma.

Ogni unità di azione fantasma rappresenta il diritto al valore in contanti di una azione delle azioni comuni di Regions ed è accantonata trimestralmente in arretrato ai sensi del Directors’ Deferred Investment Plan. Le unità sono pagabili in contanti in un'unica somma o in fino a 10 rate annuali dopo la fine del mandato del direttore, e includono la reinvestimento presunto dei dividendi trimestrali in contanti.

Regions Financial (RF) presentó un Formulario 4 que reporta la elección de un director para recibir acciones fantasma bajo el Plan de Compensación de Directores. El 15/10/2025, el director adquirió 1.263,1366 unidades de acciones fantasma (Código de Transacción A) a un precio de $24,74 por acción subyacente. Tras la operación, el director tenía en beneficio 51.179,8851 unidades de acciones fantasma.

Cada unidad de acción fantasma representa el derecho al valor en efectivo de una acción de las acciones comunes de Regions y se acumula trimestralmente en atrasos conforme al Directors’ Deferred Investment Plan. Las unidades se deben pagar en efectivo en una suma única o en hasta 10 cuotas anuales después de que termine el servicio del director, e incluyen la reinversión simulada de los dividendos en efectivo trimestrales.

Regions Financial (RF)은 이사 선임으로 형상 주식(팬텀 주식)을 받는 것을 보고하는 Form 4를 제출했습니다. 2025/10/15에 이사는 1,263.1366 팬텀 주식 단위를 (거래 코드 A) 주 underlying 주당 가격 $24.74에 취득했습니다. 거래 후 이사는 이익 소유자로 51,179.8851 팬텀 주식 단위를 보유하게 되었습니다.

각 팬텀 주식 단위는 Regions의 보통주 1주에 해당하는 현금 가치를 받을 권리이며, Directors’ Deferred Investment Plan에 따라 분기별로 뒤늦게 누적됩니다. 단위는 이사 임기가 끝난 후 한 번의 일시불 현금 또는 최대 10회 연간 분할로 현금으로 지급되며, 분기별 현금 배당의 가정적 재투자를 포함합니다.

Regions Financial (RF) a déposé un Formulaire 4 indiquant l’élection d’un administrateur à recevoir des actions fantômes dans le cadre du Director Compensation Program. Le 15/10/2025, l’administrateur a acquis 1,263.1366 unités d’actions fantômes (Code de transaction A) au prix de $24,74 par action sous-jacente. Suite à la transaction, l’administrateur détenait béné ficiellement 51.179,8851 unités d’actions fantômes.

Chaque unité d’action fantôme représente le droit à la valeur en espèces d’une action des actions ordinaires de Regions et est accrualée trimestriellement au titre du Directors’ Deferred Investment Plan. Les unités sont payables en espèces en une somme unique ou jusqu’à 10 versements annuels après la fin du mandat du directeur, et incluent la réinvestissement supposé des dividendes trimestriels en espèces.

Regions Financial (RF) reichte ein Formular 4 ein, das die Wahl eines Direktors zur Aufnahme von Phantomaktien im Director Compensation Program meldet. Am 15.10.2025 erwarb der Direktor 1.263,1366 Phantomaktien-Einheiten (Transaktionscode A) zu einem Preis von $24,74 pro zugrunde liegendem Anteil. Nach der Transaktion hielt der Direktor vorteilhaft 51.179,8851 Phantomaktien-Einheiten.

Jede Phantomaktien-Einheit repräsentiert das Recht auf den Barwert einer Aktie der Stammaktien von Regions und wird vierteljährlich im Nachhinein gemäß dem Directors’ Deferred Investment Plan angesammelt. Die Einheiten sind bar in einer Einmalsumme oder in bis zu 10 jährlichen Ratenzahlungen nach Beendigung der Direktorendienstzeit zahlbar und beinhalten eine als Wiederanlage von vierteljährlichen Bar-Dividenden angenommene Reinvestition.

SEC Form 4
FORM 4 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number: 3235-0287
Estimated average burden
hours per response: 0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
VINES TIMOTHY

(Last) (First) (Middle)
P. O. BOX 10247

(Street)
BIRMINGHAM AL 35202-0247

(City) (State) (Zip)
2. Issuer Name and Ticker or Trading Symbol
REGIONS FINANCIAL CORP [ RF ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
X Director 10% Owner
Officer (give title below) Other (specify below)
3. Date of Earliest Transaction (Month/Day/Year)
10/15/2025
4. If Amendment, Date of Original Filed (Month/Day/Year)
6. Individual or Joint/Group Filing (Check Applicable Line)
X Form filed by One Reporting Person
Form filed by More than One Reporting Person
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V Amount (A) or (D) Price
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year) 7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Phantom Stock (1) 10/15/2025 A(2) 1,263.1366 (3) (3) Common Stock 1,263.1366 $24.74 51,179.8851(4) D
Explanation of Responses:
1. Each share of phantom stock represents the right to the cash value of one share of Regions' common stock.
2. The reporting person has elected to receive shares of phantom stock in lieu of cash compensation payable pursuant to Regions' Director Compensation Program. The shares of phantom stock are accrued under Regions' Directors' Deferred Investment Plan on the date such fees would otherwise be payable (i.e., quarterly, in arrears).
3. Shares of phantom stock are payable in cash in a lump sum or up to 10 annual installments, at the election of the reporting person, within 30 days after the close of the plan year in which the reporting person terminates service as a director.
4. Includes quarterly cash dividends that have been deemed reinvested in phantom stock.
/s/ Elizabeth H. Townsend - Attorney-in-Fact 10/17/2025
** Signature of Reporting Person Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Regions Financial (RF) disclose in this Form 4?

A director acquired 1,263.1366 phantom stock units on 10/15/2025 under the Director Compensation Program.

How many phantom stock units does the director own after the transaction?

The director beneficially owned 51,179.8851 phantom stock units following the reported transaction.

What is the price associated with the phantom stock units?

The transaction reflects a price of $24.74 per underlying share.

What does Regions Financial’s phantom stock represent?

Each unit represents the right to the cash value of one share of Regions’ common stock.

How and when are the phantom stock units payable?

They are payable in cash in a lump sum or up to 10 annual installments after service ends, per the plan.

Why were phantom stock units issued to the director?

The director elected to receive phantom stock in lieu of cash fees under the Directors’ Deferred Investment Plan.

Do phantom stock units include dividends?

Yes. The total includes quarterly cash dividends deemed reinvested in phantom stock.
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