TRUIST FINANCIAL (TFC) Company Report

Truist has integrated its Wholesale and CSBB businesses and implemented rigorous monthly reviews and a heightened sense of urgency, hiring 300+ professionals over the past year to drive growth and efficiency.
Commercial & Corporate Banking, with $100 billion in loans and $100 billion in deposits, has doubled new client acquisitions year-to-date and is increasing revenue per client through aligned incentives and deeper wallet share.
The Investment Banking & Capital Markets franchise has boosted its book-runner roles and deal economics by 20% over recent years, achieved 25% growth in FX and derivatives, and plans to expand higher-return M&A and ECM fee content.
Truist’s Wealth business manages $300 billion in client assets across 300,000 clients, reduced adviser attrition to the low single digits, and delivered 37% growth in AUM from new Premier referrals via automated referral processes.
Wholesale Payments has launched integrated receivables, e-bill presentment, and Truist Connect, hired 35% more treasury consultants, and delivered 15% treasury fee growth, positioning the business for potential doubling with improved penetration.

Nov 6, 2025, 2:40 PM

Transcript

Truist Financial redeems 4.950% Series P perpetual preferred shares

TFC

On October 28, 2025, Truist Financial Corporation announced it will redeem all outstanding Series P depositary shares on November 13, 2025, pursuant to the optional redemption provisions.
The redemption price is $1,000 per depositary share plus declared and unpaid dividends up to, but excluding, the redemption date, to be funded from retained earnings.
A Redemption Notice specifying terms and procedures was mailed to holders of record on the announcement date.

Oct 28, 2025, 6:21 PM

8-K

Truist declares Q4 2025 common and preferred stock dividends

TFC

Dividends

The Board declared a $0.52 per share quarterly cash dividend on common stock, payable December 1, 2025, to shareholders of record November 14, 2025.
Dividends were also declared on five series of preferred stock:
- Series I: $1,220.77006 per share ($0.30519 per depositary share), record date November 14, payment December 15, 2025
- Series J: $1,249.83950 per share ($12.49840 per depositary share), record date November 14, payment December 15, 2025
- Series M: $2,562.50 per share ($25.625 per depositary share), record date November 14, payment December 15, 2025
- Series O: $328.125 per share ($0.328125 per depositary share), record date November 14, payment December 1, 2025
- Series R: $296.875 per share ($0.296875 per depositary share), record date November 14, payment December 1, 2025.
Truist reported total assets of $544 billion as of September 30, 2025, underscoring its top-10 commercial bank status.

Oct 28, 2025, 6:08 PM

Press Release

Truist reports Q3 2025 earnings results

TFC

Earnings

Guidance Update

Share Buyback

Net income available to common shareholders of $1.348 billion and diluted EPS of $1.04; revenue of $5.238 billion, up 4.0% linked quarter.
Average loans grew 2.5%, while average deposits declined 1.0% due to large M&A-related outflows.
Asset quality remained solid with a net charge-off ratio of 0.48% and capital strength maintained at CET1 ratio of 11.0%.
Repurchased $500 million of common stock in Q3 and plans $750 million in share buybacks in Q4 2025.
Looking ahead, Q4 2025 adjusted revenue is expected to rise 1–2%, with full-year 2025 revenue growth of 1.5–2.5%, expense growth of ~1%, and an NCO ratio of ~55 bps.

Oct 17, 2025, 12:00 PM

Presentation

Truist Financial reports Q3 2025 results

TFC

Earnings

Guidance Update

Share Buyback

Truist reported Q3 2025 GAAP net income available to common shareholders of $1.3 billion, or $1.04 EPS, including $0.02 of restructuring charges.
Adjusted revenue rose 3.7% sequentially—driven by 9.9% growth in non-interest income and 1.2% growth in net interest income—with adjusted expenses up 1%, yielding 270 bps of positive operating leverage.
Asset quality remained strong as net charge-offs declined both quarterly and year-over-year; CET1 ratio held at 11%, with CET1 including AOCI improving 10 bps to 9.4%.
Returned $1.2 billion to shareholders via dividends and repurchased $500 million of common stock in Q3; plans $750 million of buybacks in Q4 and $3–4 billion in 2026.
2026 outlook calls for revenue growth more than doubling 2025’s pace, higher operating leverage, and a 15% ROTCE target by 2027.

Oct 17, 2025, 12:00 PM

Transcript

Truist Financial reports Q3 2025 results

TFC

Earnings

Share Buyback

Guidance Update

Net income of $1.3 billion, or $1.04 EPS, including $0.02 per share of restructuring charges
Adjusted noninterest income rose 9.9% linked quarter to over $1.5 billion, driven by investment banking, trading, and wealth management fees
Average loans grew 2.5% quarter-over-quarter to $320 billion, while average deposits fell 1% due to mid-July M&A-related outflows (core deposits increased ex-M&A)
Returned $1.2 billion of capital through dividends and $500 million of share repurchases; planning $750 million in Q4 buybacks and targeting 15% ROTCE by 2027

Oct 17, 2025, 12:00 PM

Transcript

Truist Financial reports Q3 2025 results

TFC

Earnings

Share Buyback

Dividends

Truist reported net income available to common shareholders of $1.35 billion, or $1.04 diluted EPS in Q3 2025.
Total taxable-equivalent revenues were $5.24 billion, up 4.0% from Q2 2025.
Average loans held for investment increased 2.5% quarter-over-quarter to $322 billion, while average deposits declined 1.0% to $397 billion.
Noninterest income rose 11% to $1.56 billion, driven by higher investment banking, trading and wealth management income.
The common equity tier 1 ratio remained strong at 11.0%, and the firm repurchased $500 million of common shares, resulting in an 87% total payout ratio.

Oct 17, 2025, 10:30 AM

8-K

Truist Financial announces multi-year investment in high-growth markets

TFC

New Projects/Investments

Truist will invest over the next five years to build 100 new insights-driven branches and renovate 300+ existing branches in high-growth markets including Atlanta, Austin, Charlotte, Dallas, Miami, Orlando, Philadelphia and Washington, D.C.
The bank plans to enhance digital capabilities with AI-driven analytics for personalized client experiences, an AI-enhanced digital assistant averaging nearly 500,000 monthly conversations, and the delivery of 550 million real-time financial insights annually
Truist will hire additional Premier advisors and repurpose its virtual sales center to deepen relationships with mass affluent clients
As of June 30, 2025, Truist holds $544 billion in total assets, underscoring its strong capital position to fund these initiatives

Aug 20, 2025, 12:00 PM

Press Release

Truist Financial reports Q2 2025 results

TFC

Earnings

Share Buyback

Guidance Update

Truist reported Q2 GAAP net income available to common shareholders of $1.2 billion or $0.90 per share (includes $0.02 of restructuring charges and $0.01 of investment securities losses).
Average loans held for investment grew 2.0% linked quarter and end-of-period loans rose 3.3%, split evenly between commercial and consumer; average deposits increased 2.1% sequentially.
Net interest income rose 2.3% linked quarter and net interest margin improved 1 bp to 3.02%.
Returned $1.4 billion to shareholders via dividends and repurchased $750 million of common stock, with a $500 million buyback target for Q3; CET1 ratio was 11.0%, and stress capital buffer is set to floor at 2.5% effective October 1.
Maintained full-year 2025 guidance: revenue up 1.5–2.5%, net interest income +3%, expenses +1%, net charge-offs of 55–60 bp; Q3 revenue expected to rise 2.5–3.5%.

Jul 18, 2025, 3:41 PM

Truist launches integrated merchant services platform Truist Merchant Engage

TFC

Product Launch

Truist unveiled Truist Merchant Engage, a new integrated merchant services platform powered by Pollinate that unifies business banking and merchant services into a single digital experience.
The platform offers real-time dashboards, dynamic onboarding, product discovery, and self-service tools to help SMBs streamline operations and gain actionable insights.
Rollout began in late June 2025 and will continue into early 2026, positioning Truist as the first U.S. bank to bring Pollinate’s solution to market.
The U.S. merchant acquiring market is valued at $40 billion, representing a significant growth opportunity among over 30 million SMBs that spend up to a full day weekly on non-integrated services.

Jul 8, 2025, 12:00 PM

Press Release

Earnings Transcripts

Quarterly earnings call transcripts for TRUIST FINANCIAL.

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