The bank maintains a defensive capital structure with a consistent equity-to-assets ratio of 0.12, providing a stable cushion against potential credit volatility.
| 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 |
Interest rate hedge sensitivity
According to recent financial statements, Regions Financial's total assets have remained remarkably stable, hovering near $160 billion over the last ten quarters, which suggests a deliberate strategy of balance sheet preservation rather than aggressive expansion in the current, uncertain interest rate environment across the Southeastern United States.
The bank appears to be prioritizing the maintenance of its existing asset base over rapid growth, likely to preserve capital ratios during periods of rate volatility. This stability indicates that management is focused on optimizing the existing loan and securities mix rather than pursuing inorganic expansion that could dilute current capital buffers.
As reported in quarterly filings, the equity-to-assets ratio has remained consistently anchored at approximately 0.12, demonstrating that Regions Financial maintains a stable capital cushion that appears sufficient to absorb potential credit shocks while supporting ongoing dividend distributions to shareholders throughout the current economic cycle.
The consistency of this ratio suggests a conservative approach to capital management, which may be intended to reassure stakeholders of the bank's resilience. Investors should monitor whether this capital level remains adequate if the bank decides to resume more aggressive share repurchases or if credit conditions in the Southeast deteriorate further.
Based on the provided balance sheet data, cash and cash equivalents have fluctuated significantly, ranging from $3.1 billion to $14.3 billion, which indicates that the bank actively manages its liquidity position to navigate shifting interest rate environments and potential funding requirements in its core regional markets.
This variability in cash holdings suggests that management is utilizing its liquidity as a tactical tool to manage net interest margin pressures. The bank's ability to pivot between cash and securities investments implies a high degree of operational agility, though it also introduces potential volatility in interest-earning asset yields.
As indicated by the bank's reported figures, the heavy reliance on interest rate swaps and securities portfolio management creates a complex balance sheet where the true economic value of assets may be obscured by accounting adjustments, warranting further investigation into the long-term efficacy of these hedging instruments.
While these hedges are intended to stabilize net interest income, they may also prevent the bank from fully capturing the benefits of a higher-for-longer rate environment. This defensive positioning appears to be a double-edged sword that provides short-term earnings predictability at the potential cost of long-term upside participation.
Quick answers to the most common questions about buying RF stock.
As of 2025, Regions Financial Corporation (RF) had total assets of $159.55B including $39.55B in current assets.
Regions Financial Corporation (RF) 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) 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) 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.