The bank maintains a consistent capital buffer with an equity-to-assets ratio of 0.12, though the significant reduction in investment securities from $129.7 billion in 2025Q2 to $33.2 billion in 2025Q4 warrants further investigation regarding liquidity strategy.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 | Dec'97 | Dec'96 |
|---|
| Cash & Short Term Investments | 88.8B | 38.47B | 34.16B | 34.91B | 39.16B | 57.89B | 45.11B | 26.72B | 26.27B | 27.57B | 29.36B | 28.17B | 26.16B | 26.87B | 32.85B | 31.52B | 29.81B | 31.7B | 29.03B | 21.07B | 22.34B | 14.45B | 1.97B | 1.35B | 1.88B | 1.91B | 1.21B | 1.4B | 2B | 1.52B | 808.1M |
| Cash & Due from Banks | 3.44B | 10.91B | 10.71B | 6.8B | 11.23B | 29.41B | 17.96B | 4.11B | 3.54B | 3.91B | 5.44B | 5.31B | 3.9B | 5.27B | 5.49B | 7.04B | 6.52B | 7.63B | 10.18B | 3.75B | 3.82B | 2.51B | 1.97B | 1.35B | 1.88B | 1.91B | 1.21B | 1.4B | 2B | 1.52B | 808.1M |
| Short Term Investments | 0 | 27.56B | 23.44B | 28.1B | 27.93B | 28.48B | 27.15B | 22.61B | 22.73B | 23.4B | 23.92B | 22.85B | 22.26B | 21.6B | 27.36B | 24.47B | 23.29B | 24.07B | 18.85B | 17.32B | 18.51B | 11.95B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 137.43B | 33.17B | 127.97B | 127.48B | 125.94B | 117.88B | 114.5B | 108.19B | 109.39B | 106.12B | 106.51B | 106.81B | 101.59B | 98.25B | 101.61B | 101.61B | 105.7B | 113.91B | 116.67B | 112.65B | 116.98B | 71.13B | 71.17B | 42.06B | 41.04B | 39.2B | 40.59B | 39.29B | 32.95B | 28.28B | 17.01B |
| Investments Growth % | -131.85% | -74.08% | 0.39% | 1.22% | 6.84% | 2.95% | 5.83% | -1.1% | 3.07% | -0.36% | -0.28% | 5.14% | 3.4% | -3.31% | -0% | -3.86% | -7.21% | -2.37% | 3.57% | -3.7% | 64.45% | -0.06% | 69.22% | 2.48% | 4.69% | -3.42% | 3.33% | 19.24% | 16.52% | 66.27% | 36.68% |
| Long-Term Investments | 281.78B | 5.61B | 104.53B | 99.37B | 98.01B | 89.39B | 87.34B | 85.58B | 86.66B | 82.72B | 82.73B | 84.1B | 79.54B | 76.76B | 74.37B | 77.14B | 82.41B | 89.84B | 97.82B | 95.33B | 98.46B | 59.18B | 71.17B | 42.06B | 41.04B | 39.2B | 40.59B | 39.29B | 32.95B | 28.28B | 17.01B |
| Accounts Receivables | 569M | 571M | 572M | 614M | 511M | 319M | 346M | 362M | 375M | 337M | 319M | 319M | 310M | 313M | 344M | 361M | 421M | 468M | 458M | 615.71M | 666.41M | 420.82M | 345.56M | 698.08M | 674.42M | 773.57M | 349.64M | 306.7M | 292M | 231.9M | 139.3M |
| Goodwill & Intangibles | 5.87B | 5.87B | 6.91B | 6.84B | 6.79B | 6.47B | 5.61B | 5.29B | 5.36B | 5.42B | 5.45B | 5.39B | 5.35B | 5.41B | 5.35B | 5.45B | 6.21B | 6.31B | 6.35B | 12.57B | 12.51B | 5.75B | 823.38M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 5.73B | 5.73B | 5.73B | 5.73B | 5.73B | 5.74B | 5.19B | 4.84B | 4.83B | 4.9B | 4.9B | 4.88B | 4.82B | 4.82B | 4.82B | 4.82B | 5.56B | 5.56B | 5.55B | 11.49B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 133M | 140M | 1.18B | 1.11B | 1.06B | 723M | 418M | 450M | 533M | 513M | 545M | 512M | 532M | 592M | 536M | 631M | 652M | 750M | 799M | 1.08B | 12.51B | 5.75B | 823.38M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 1.67B | 1.66B | 1.67B | 1.64B | 1.72B | 1.81B | 1.9B | 1.96B | 2.04B | 2.06B | 2.1B | 2.15B | 2.19B | 2.22B | 2.28B | 2.38B | 2.57B | 2.67B | 2.79B | 2.61B | 2.4B | 1.12B | 1.09B | 629.64M | 638.03M | 647.18M | 598.63M | 580.7M | 534.4M | 458.8M | 276.9M |
| Other Assets | 11.76B | 94.08B | 9.46B | 8.81B | 9.03B | 7.05B | 7.08B | 6.32B | 5.82B | 6.44B | 6.16B | 6.06B | 6.22B | 5.94B | 6.27B | 10.21B | 10.93B | 11.34B | 9.8B | 8.84B | 6.43B | 3.32B | 3.31B | 3.86B | 3.7B | 2.85B | 1.31B | 1.14B | 1.06B | 928.7M | 699.7M |
| Total Current Assets | 4.01B | 39.55B | 34.73B | 35.52B | 39.67B | 58.21B | 45.46B | 27.08B | 26.64B | 27.91B | 29.68B | 28.49B | 26.47B | 27.18B | 33.19B | 31.88B | 30.23B | 32.17B | 29.49B | 21.69B | 23.57B | 15.4B | 2.79B | 2.05B | 2.56B | 2.68B | 1.56B | 1.71B | 2.29B | 1.75B | 947.4M |
| Total Non-Current Assets | 156.73B | 107.22B | 122.58B | 116.67B | 115.55B | 104.73B | 101.93B | 99.16B | 99.05B | 96.38B | 96.29B | 97.56B | 93.09B | 90.21B | 88.15B | 95.17B | 102.12B | 110.15B | 116.76B | 119.36B | 119.8B | 69.38B | 81.31B | 46.55B | 45.38B | 42.7B | 42.02B | 40.92B | 34.49B | 29.61B | 17.95B |
| Total Assets | 160.74B | 159.55B | 157.3B | 152.19B | 155.22B | 162.94B | 147.39B | 126.24B | 125.69B | 124.29B | 125.97B | 126.05B | 119.56B | 117.4B | 121.35B | 127.05B | 132.35B | 142.32B | 146.25B | 141.04B | 143.37B | 84.79B | 84.11B | 48.6B | 47.94B | 45.38B | 43.69B | 42.71B | 36.83B | 31.41B | 18.93B |
| Asset Growth % | 6.93% | 1.43% | 3.36% | -1.95% | -4.74% | 10.55% | 16.75% | 0.44% | 1.12% | -1.33% | -0.07% | 5.43% | 1.85% | -3.26% | -4.49% | -4.01% | -7% | -2.69% | 3.69% | -1.62% | 69.1% | 0.81% | 73.07% | 1.38% | 5.63% | 3.88% | 2.28% | 15.97% | 17.25% | 65.95% | 38.09% |
| Return on Assets (ROA) | 1.39% | 1.36% | 1.22% | 1.35% | 1.41% | 1.62% | 0.8% | 1.26% | 1.41% | 1.01% | 0.92% | 0.86% | 0.97% | 0.91% | 0.9% | -0.17% | -0.39% | -0.71% | -3.9% | 0.88% | 1.19% | 1.18% | 1.24% | 1.35% | 1.33% | 1.14% | 1.22% | 1.32% | 1.24% | 1.58% | 1.95% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 6.34B | 4.88B | 6.49B | 2.33B | 2.28B | 2.41B | 3.57B | 9.93B | 14.02B | 8.63B | 7.76B | 8.36B | 5.71B | 7.01B | 7.43B | 11.18B | 17.13B | 22.13B | 35.05B | 22.44B | 18.31B | 11.94B | 13.24B | 10.14B | 9.47B | 8.85B | 7.61B | 9.38B | 5.07B | 3.15B | 2.06B |
| Net Debt | 2.89B | -6.02B | -4.22B | -4.47B | -8.94B | -27B | -14.39B | 5.82B | 10.49B | 4.72B | 2.33B | 3.04B | 1.81B | 1.74B | 1.95B | 4.13B | 10.6B | 14.5B | 24.87B | 18.69B | 14.49B | 9.43B | 11.27B | 8.79B | 7.59B | 6.94B | 6.4B | 7.97B | 3.07B | 1.63B | 1.25B |
| Long-Term Debt | 3.14B | 4.13B | 5.99B | 2.33B | 2.28B | 2.41B | 3.57B | 7.88B | 12.42B | 8.13B | 7.76B | 8.35B | 3.46B | 4.83B | 5.86B | 8.11B | 13.19B | 18.46B | 19.23B | 11.32B | 8.64B | 6.97B | 7.24B | 5.71B | 5.39B | 4.75B | 4.48B | 1.75B | 571M | 445.5M | 447.3M |
| Short-Term Debt | 3.2B | 750M | 500M | 0 | 0 | 0 | 0 | 2.05B | 1.6B | 500M | 0 | 10M | 2.25B | 2.18B | 1.57B | 3.07B | 3.94B | 3.67B | 15.82B | 11.12B | 9.67B | 4.97B | 6B | 4.43B | 4.09B | 4.1B | 3.13B | 7.63B | 4.5B | 2.71B | 1.61B |
| Other Liabilities | 135.56B | 0 | 5.3B | 4.58B | 5.24B | 3.13B | 3.23B | 2.54B | 2.08B | 2.58B | 2.51B | 2.42B | 2.77B | 2.16B | 2.94B | 3.75B | 3.88B | 3.63B | 3.48B | 4B | 3.13B | 1.85B | 1.45B | 1.27B | 1.36B | 952.55M | 596.69M | 284.3M | 413.7M | 570.4M | 223.9M |
| Total Current Liabilities | 3.2B | 131.88B | 128.1B | 127.79B | 131.74B | 139.07B | 122.48B | 99.53B | 96.09B | 97.39B | 99.03B | 98.44B | 96.45B | 94.64B | 97.05B | 98.69B | 98.55B | 102.35B | 106.73B | 105.9B | 110.9B | 65.34B | 64.66B | 37.16B | 37.01B | 35.65B | 35.16B | 37.61B | 32.85B | 27.72B | 16.66B |
| Total Non-Current Liabilities | 138.7B | 4.13B | 11.29B | 6.91B | 7.53B | 5.54B | 6.8B | 10.42B | 14.51B | 10.71B | 10.27B | 10.77B | 6.24B | 6.99B | 8.8B | 11.86B | 17.07B | 22.09B | 22.71B | 15.32B | 11.77B | 8.83B | 8.69B | 6.99B | 6.75B | 5.7B | 5.07B | 2.04B | 984.7M | 1.02B | 671.2M |
| Total Liabilities | 141.9B | 140.45B | 139.39B | 134.7B | 139.27B | 144.61B | 129.28B | 109.94B | 110.6B | 108.1B | 109.3B | 109.21B | 102.69B | 101.63B | 105.85B | 110.55B | 115.62B | 124.44B | 129.44B | 121.22B | 122.67B | 74.17B | 73.36B | 44.15B | 43.76B | 41.35B | 40.23B | 39.65B | 33.83B | 28.73B | 17.33B |
| Total Equity | 18.84B | 19.1B | 17.91B | 17.49B | 15.95B | 18.33B | 18.11B | 16.3B | 15.09B | 16.19B | 16.66B | 16.84B | 16.87B | 15.77B | 15.5B | 16.5B | 16.73B | 17.88B | 16.81B | 19.82B | 20.7B | 10.61B | 10.75B | 4.45B | 4.18B | 4.04B | 3.46B | 3.07B | 3B | 2.68B | 1.6B |
| Equity Growth % | 18.86% | 6.66% | 2.38% | 9.67% | -12.96% | 1.19% | 11.14% | 7.99% | -6.81% | -2.83% | -1.07% | -0.17% | 7.01% | 1.74% | -6.06% | -1.4% | -6.41% | 6.35% | -15.18% | -4.24% | 95.03% | -1.26% | 141.45% | 6.55% | 3.53% | 16.71% | 12.82% | 2.16% | 11.96% | 67.62% | 42.09% |
| Equity / Assets (Capital Ratio) | 11.72% | 11.97% | 11.39% | 11.49% | 10.28% | 11.25% | 12.29% | 12.91% | 12.01% | 13.03% | 13.23% | 13.36% | 14.11% | 13.43% | 12.77% | 12.99% | 12.64% | 12.56% | 11.5% | 14.05% | 14.44% | 12.52% | 12.78% | 9.16% | 8.72% | 8.89% | 7.92% | 7.18% | 8.15% | 8.53% | 8.45% |
| Return on Equity (ROE) | 11.75% | 11.65% | 10.69% | 12.4% | 13.1% | 13.84% | 6.36% | 10.08% | 11.25% | 7.69% | 6.94% | 6.3% | 7.03% | 6.98% | 7% | -1.29% | -3.11% | -5.94% | -30.55% | 6.17% | 8.64% | 9.37% | 10.84% | 15.11% | 15.09% | 13.58% | 16.17% | 17.32% | 14.85% | 18.58% | 23.34% |
| Book Value per Share | 21.71 | 21.71 | 19.51 | 18.65 | 16.93 | 19.03 | 18.83 | 16.31 | 13.69 | 13.52 | 13.21 | 12.63 | 12.17 | 11.18 | 11.17 | 16.52 | 13.64 | 18.08 | 24.19 | 27.81 | 40.83 | 22.77 | 28.76 | 19.78 | 18.36 | 14.40 | 12.62 | 11.08 | 13.38 | 19.22 | 12.60 |
| Tangible BV per Share | 14.95 | 15.03 | 11.98 | 11.35 | 9.72 | 12.31 | 13.00 | 11.01 | 8.83 | 8.99 | 8.89 | 8.59 | 8.31 | 7.35 | 7.32 | 11.06 | 8.57 | 11.70 | 15.06 | 10.17 | 16.16 | 10.43 | 26.56 | 19.78 | 18.36 | 14.40 | 12.62 | 11.08 | 13.38 | 19.22 | 12.60 |
| Common Stock | 9M | 9M | 9M | 10M | 10M | 10M | 10M | 10M | 11M | 12M | 13M | 13M | 14M | 14M | 15M | 13M | 13M | 12M | 7M | 7.35M | 7.3M | 4.74M | 4.67M | 139.6M | 138.34M | 143.8M | 139.1M | 137.9M | 0 | 0 | 0 |
| Additional Paid-in Capital | 9.97B | 10.37B | 11.39B | 11.76B | 11.99B | 12.19B | 12.73B | 12.69B | 13.77B | 15.86B | 17.09B | 17.88B | 18.77B | 19.22B | 19.65B | 18.86B | 19.05B | 18.78B | 16.82B | 16.54B | 16.34B | 7.25B | 7.13B | 983.67M | 936.96M | 1.25B | 1.06B | 1.02B | 0 | 0 | 0 |
| Retained Earnings | 10.52B | 10.21B | 9.06B | 8.19B | 7B | 5.55B | 3.77B | 3.75B | 2.83B | 1.63B | 666M | -115M | -1.18B | -2.22B | -3.34B | -4.32B | -4.05B | -3.23B | -1.87B | 4.44B | 4.49B | 4.03B | 3.66B | 3.33B | 2.95B | 2.59B | 2.33B | 2.04B | 1.73B | 1.47B | 1.05B |
| Accumulated OCI | -1.72B | -1.53B | -2.93B | -2.81B | -3.34B | 289M | 1.31B | -90M | -964M | -749M | -550M | -380M | -238M | -319M | 65M | -69M | -260M | 130M | -22M | 202.29M | -131.27M | -92.33M | -15.2M | 49.77M | 150.47M | 47.19M | -6.04M | -139.8M | 25M | 15.9M | 3.7M |
| Treasury Stock | -1.37B | -1.37B | -1.37B | -1.37B | -1.37B | -1.37B | -1.37B | -1.37B | -1.37B | -1.38B | -1.38B | -1.38B | -1.38B | -1.38B | -1.38B | -1.4B | -1.4B | -1.41B | -1.43B | -1.37B | -7.55M | -581.89M | -29.39M | -49.94M | 0 | 0 | -67.14M | 0 | 0 | 0 | 0 |
| Preferred Stock | 1.37B | 1.37B | 1.72B | 1.66B | 1.66B | 1.66B | 1.66B | 1.31B | 820M | 820M | 820M | 820M | 884M | 450M | 482M | 3.42B | 3.38B | 3.6B | 3.31B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Securities Portfolio Duration Risk
As reported in financial statements, total assets for Regions Financial have remained remarkably stable, hovering near $160 billion over the last ten quarters, which suggests a disciplined approach to balance sheet management rather than aggressive, potentially dilutive expansion in the current regional banking environment.
The bank's asset growth appears to be constrained by a strategic focus on maintaining capital ratios rather than rapid loan book expansion. This stability indicates that management is prioritizing the preservation of its existing Southeastern franchise over the pursuit of higher-risk, non-core market share.
Based on reported figures, the equity-to-assets ratio has held steady at approximately 0.12 throughout the last ten quarters, demonstrating a consistent commitment to maintaining a robust capital cushion that supports the bank's regulatory standing and provides a buffer against potential credit volatility.
This consistent capital ratio suggests that the bank is effectively balancing its dividend obligations with the need to retain earnings for regulatory compliance. Investors should monitor whether this capital discipline limits the bank's ability to pursue opportunistic acquisitions if the regional competitive landscape shifts.
According to recent SEC filings, the bank's investment securities portfolio experienced significant fluctuations, dropping from $129.7 billion in 2025Q2 to $33.2 billion in 2025Q4, which may indicate a tactical shift in liquidity management or a response to changing interest rate expectations.
The dramatic reduction in the securities portfolio suggests a potential pivot toward higher cash holdings or a strategic shortening of duration to mitigate interest rate risk. This transition warrants further investigation into whether the bank is preparing for a period of heightened liquidity demand or simply optimizing its yield curve exposure.
As indicated by the volatility in the investment securities line item, the bank's reliance on a large securities portfolio may expose it to significant unrealized losses, which, while not immediately impacting net income, could pressure book value if interest rates remain elevated for longer than anticipated.
The rapid contraction of the securities portfolio in late 2025 suggests that management may be actively managing duration risk to avoid further AOCI erosion. Investors should remain cautious, as any future need to liquidate these assets at a loss could impair the bank's otherwise healthy capital position.
Quick answers to the most common questions about buying RF-PF stock.
As of 2025, Regions Financial Corporation (RF-PF) had total assets of $159.55B including $39.55B in current assets.
Regions Financial Corporation (RF-PF) carries total debt of $4.88B. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Regions Financial Corporation (RF-PF) has total shareholders' equity (book value) of $19.04B ($21.71 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Regions Financial Corporation (RF-PF) reported a current ratio of 0.30x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.