STOCK TITAN

Regions Financial (NYSE: RF) director takes fees as 1,111.817 phantom stock units

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

Rhea-AI Filing Summary

Hill J Thomas reported acquisition or exercise transactions in this Form 4 filing.

Director J Thomas Hill of Regions Financial received 1,111.817 phantom stock units on July 15, 2026 at $31.48 per unit as deferred director compensation in lieu of cash, raising his phantom stock balance to 22,883.3112 units, payable in cash after his board service ends.

Positive

  • None.

Negative

  • None.
Insider Hill J Thomas
Role Director
Type Security Shares Price Value
Grant/Award Phantom Stock 1,111.817 $31.48 $35K
Holdings After Transaction: Phantom Stock — 22,883.311 shares (Direct)
Footnotes (1)
  1. Each share of phantom stock represents the right to the cash value of one share of Regions' common stock. 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). 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. Includes quarterly cash dividends that have been deemed reinvested in phantom stock.
Phantom stock units acquired 1,111.8170 units Grant/award on July 15, 2026 in lieu of cash director fees
Per-unit value of phantom stock $31.4800 Value used to convert director fees into phantom stock units
Total phantom stock after grant 22,883.3112 units Director’s phantom stock balance following the July 15, 2026 transaction
Underlying common stock equivalent 1,111.8170 shares Each phantom stock unit tracks the cash value of one common share
Maximum installment period 10 annual installments Optional payout schedule for cash settlement after board service ends
Phantom Stock financial
"Each share of phantom stock represents the right to the cash value"
A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.
Director Compensation Program financial
"in lieu of cash compensation payable pursuant to Regions' Director Compensation Program"
Directors' Deferred Investment Plan financial
"accrued under Regions' Directors' Deferred Investment Plan on the date such fees"
deemed reinvested financial
"Includes quarterly cash dividends that have been deemed reinvested in phantom stock"

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FAQ

What did Regions Financial (RF) director J Thomas Hill report in this Form 4?

J Thomas Hill reported receiving 1,111.817 phantom stock units on July 15, 2026 as a grant under Regions Financial’s director compensation programs, taken in lieu of cash fees and increasing his total phantom stock holdings to 22,883.3112 units.

How many phantom stock units did RF director J Thomas Hill hold after this transaction?

After the July 15, 2026 grant, J Thomas Hill held 22,883.3112 phantom stock units. These units track the cash value of Regions Financial common stock and include amounts from prior grants and deemed reinvested quarterly cash dividends.

What is phantom stock in the context of Regions Financial (RF)?

Each phantom stock unit represents the right to receive the cash value of one share of Regions Financial common stock. The units are bookkeeping entries, not actual shares, and are ultimately settled in cash rather than stock.

Why did RF director J Thomas Hill receive phantom stock instead of cash?

He elected to receive phantom stock units in lieu of cash fees under Regions Financial’s Director Compensation Program. Quarterly director fees are accrued as phantom stock under the Directors’ Deferred Investment Plan rather than being paid currently in cash.

When will Regions Financial (RF) pay out J Thomas Hill’s phantom stock units?

The phantom stock is payable in cash in a lump sum or up to 10 annual installments, at his election, within 30 days after the close of the plan year in which he terminates service as a director of Regions Financial.

How is the $31.48 figure used for RF director J Thomas Hill’s phantom stock grant?

The July 15, 2026 grant of 1,111.817 phantom stock units was valued at $31.48 per unit. This per-unit value is used to convert his deferred director fees into phantom stock that tracks Regions Financial’s common stock price in cash terms.
SEC Form 4
FORM 4UNITED 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*
Hill J Thomas

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

(Street)
BIRMINGHAM ALABAMA 35202-0247

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
REGIONS FINANCIAL CORP [ RF ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/15/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Phantom Stock(1)07/15/2026A(2)1,111.817 (3) (3)Common Stock1,111.817$31.4822,883.3112(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.
Remarks:
/s/ Elizabeth H. Townsend - Attorney-in-Fact07/17/2026
** Signature of Reporting PersonDate
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.
* Form 4: SEC 1474 (03-26)