Earnings summaries and quarterly performance for TRUIST FINANCIAL.
Executive leadership at TRUIST FINANCIAL.
Board of directors at TRUIST FINANCIAL.
AB
Agnes Bundy Scanlan
Detailed
Director
BL
Bruce L. Tanner
Detailed
Director
CA
Charles A. Patton
Detailed
Director
DS
Dallas S. Clement
Detailed
Director
DS
Donna S. Morea
Detailed
Director
JS
Jennifer S. Banner
Detailed
Director
JP
Jonathan Pruzan
Detailed
Director
KD
K. David Boyer, Jr.
Detailed
Director
LS
Laurence Stein
Detailed
Director
LM
Linnie M. Haynesworth
Detailed
Director
SC
Steven C. Voorhees
Detailed
Director
TE
Thomas E. Skains
Detailed
Lead Independent Director
Research analysts who have asked questions during TRUIST FINANCIAL earnings calls.
BG
Betsy Graseck
Morgan Stanley
5 questions for TFC
Also covers: BAC, BK, C +8 more
Ebrahim Poonawala
Bank of America Securities
5 questions for TFC
Also covers: , BK, BMO +31 more
Gerard Cassidy
RBC Capital Markets
4 questions for TFC
Also covers: BAC, BK, BPOP +14 more
JP
John Pancari
Evercore ISI
4 questions for TFC
Also covers: ALLY, BFH, CFG +18 more
MO
Matthew O'Connor
Deutsche Bank
4 questions for TFC
Also covers: BAC, C, CFG +11 more
SS
Scott Siefers
Piper Sandler
3 questions for TFC
Also covers: ASB, CFG, FITBI +7 more
Erika Najarian
UBS
2 questions for TFC
Also covers: AXP, BAC, C +14 more
KU
Ken Usdin
Autonomous Research
2 questions for TFC
Also covers: BAC, BK, C +12 more
LE
L. Erika Penala
UBS
2 questions for TFC
Also covers: AXP, BAC, CFG +9 more
MM
Michael Mayo
Wells Fargo
2 questions for TFC
Also covers: BAC, BK, C +10 more
MM
Mike Mayo
Wells Fargo
2 questions for TFC
Also covers: BAC, BK, C +11 more
SA
Steven Alexopoulos
JPMorgan Chase & Co.
2 questions for TFC
Also covers: BAC, C, CFG +10 more
CM
Chris McGratty
KBW
1 question for TFC
Also covers: BAC, C, CFG +17 more
Christopher McGratty
Keefe, Bruyette & Woods
1 question for TFC
Also covers: ASB, BAC, BANC +34 more
KU
Kenneth Usdin
Jefferies
1 question for TFC
Also covers: BK, C, FITB +7 more
MO
Matt O'Connor
Deutsche Bank
1 question for TFC
Also covers: BAC, CFG, HBAN +7 more
RS
R. Scott Siefers
Piper Sandler Companies
1 question for TFC
Also covers: ASB, CFG, FITB +6 more
SM
Saul Martinez
HSBC
1 question for TFC
Also covers: AXP, BAC, C +7 more
Thomas Leddy
RBC Capital Markets
1 question for TFC
Also covers: BK, BPOP, FITB +2 more
Recent press releases and 8-K filings for TFC.
Truist reports Q4 and full year 2025 results
TFC
Earnings
Share Buyback
- Q4 net income available to common shareholders of $1.3 billion ($1.00/share) and FY 2025 net income of $5.0 billion ($3.82/share), including $0.12/share Q4 charges for legal and severance.
- Average loans held for investment rose 1.3% linked quarter (+$4.3 billion) to $325 billion and 3.6% year-over-year to $316 billion.
- Capital returned of $5.2 billion in 2025 via dividends and repurchase of 2.5 billion shares (37% increase vs. 2024); Q4 share repurchase of $750 million and a new $10 billion buyback authorization.
- Reaffirmed strategic priorities to accelerate revenue growth at least 2× 2025 pace, drive positive operating leverage, invest in technology and talent, and target 15% ROTCE in 2027.
6 days ago
Truist reports Q4 2025 earnings results
TFC
Earnings
Guidance Update
Share Buyback
- Truist reported Q4 2025 GAAP net income available to common shareholders of $1.29 billion, or $1.00 diluted EPS; full-year 2025 net income was $5.0 billion with $3.82 diluted EPS.
- Truist generated 4Q25 revenue of $5.295 billion, up 1.1% sequentially and 3.6% year-over-year, with noninterest expense of $3.170 billion and an efficiency ratio of 60.4% (adjusted 54.9%).
- Net interest income in 4Q25 was $3.749 billion with a net interest margin of 3.01%, driven by client loan growth and fixed-rate asset repricing; NII is expected to increase 3–4% in 2026.
- Asset quality remained stable with a net charge-off ratio of 0.57% in 4Q25 (vs. 0.48% in 3Q25) and provision for credit losses of $512 million.
- For 2026, Truist expects revenue growth of 4–5%, noninterest expense up 1.25–2.25%, a net charge-off ratio near 0.55%, and plans ~$4 billion in share repurchases.
6 days ago
Truist Financial reports Q4 2025 results
TFC
Earnings
Guidance Update
Share Buyback
- Net income available to common shareholders of $1.3B (Q4) / $5.0B (FY) or $1.00 / $3.82 per diluted share, including $0.12 (Q4) / $0.18 (FY) per share charges for severance and legal accruals
- Net interest income +1.9% linked-quarter; NIM up 6 bps to 3.07%, driven by loan and deposit growth and fixed-rate asset repricing
- Average loans +1.3% Q/Q to $325B (+$4.3B); deposits stable with interest-bearing deposit cost down 27 bps to 2.23%, deposit beta improved to 45%
- 2026 guidance: revenue +4–5% (vs $20.5B FY 2025), net interest income +3–4%, non-interest expense +1.25–2.25% (vs $12.1B), net charge-offs ~55 bps, full-year NIM to exceed 3.03%, $4B share repurchases planned
- Capital return: Q4 repurchases of $750M, new $10B buyback authorization, $5.2B returned in 2025 (+37% YoY), targeting $4B buybacks in 2026 and 15% ROTCE by 2027
6 days ago
Truist Financial reports Q4 2025 results
TFC
Earnings
Guidance Update
Share Buyback
- Truist delivered net income available to common shareholders of $1.3 billion ( $1.00 per diluted share) in Q4 and $5 billion ( $3.82 per diluted share) for the full year 2025.
- Average loans held for investment increased 1.3% linked quarter to $325 billion, deposits were stable, taxable-equivalent net interest income rose 1.9% linked quarter, and net interest margin expanded 6 basis points to 3.07%.
- For full-year 2026, Truist expects revenue growth of 4–5%, net interest income up 3–4%, GAAP non-interest expense growth of 1.25–2.25%, implying +275 bp of operating leverage; net charge-offs around 55 bp, and an effective tax rate of ~16.5%.
- Returned capital via $750 million of share repurchases in Q4, announced a $10 billion repurchase authorization, and is targeting $4 billion of buybacks in 2026 (including $1 billion in Q1).
6 days ago
Truist Financial reports Q4 2025 results
TFC
Earnings
Share Buyback
Dividends
- Net income available to common shareholders was $1.29 billion, or $1.00 per diluted share in 4Q25.
- Total revenue – TE grew 1.1% quarter-over-quarter to $5.30 billion, driven by a 1.9% increase in net interest income – TE and a 6 bps expansion in NIM – TE.
- Noninterest expense rose 5.2% to $3.17 billion, primarily due to a $130 million legal accrual and $63 million of severance charges.
- Average loans held for investment increased 1.3% sequentially to $324.8 billion, while end-period loans grew 1.5% to $328.6 billion; average deposits were flat.
- Returned capital included $750 million in share repurchases, with dividend and total payout ratios of 51% and 109%, respectively.
6 days ago
Faropoint secures $600M acquisition facility for Industrial Value Fund IV
TFC
Debt Issuance
New Projects/Investments
- Faropoint secured a $600 million acquisition credit facility for its Industrial Value Fund IV, led by KeyBank National Association with JP Morgan, Capital One, Truist, and Citizens Bank as co-lead arrangers.
- The two-year facility, launched in June 2025 with a $1 billion target, includes three one-year extension options for up to five years, and availability scales with portfolio NOI growth.
- This marks KeyBank’s 8th lead-agented financing to Faropoint since 2019, totaling over $2 billion in commitments.
- Faropoint is a tech-enabled US industrial real estate manager with ~120 employees, operating across 16 markets, having acquired 550 warehouses worth over $4 billion since 2012.
Jan 7, 2026, 2:50 PM
Truist Financial announces new $10B share repurchase program
TFC
Share Buyback
- Truist Financial’s Board authorized a new $10 billion common stock repurchase program, effective immediately with no expiration date.
- The program replaces the prior plan, which had approximately $1.5 billion in remaining repurchase capacity.
- Repurchases may be executed via open market purchases, privately negotiated transactions, or other means (including Rule 10b5-1 plans), at management’s discretion based on factors like capital levels, regulatory requirements, and market conditions.
- Truist reported total assets of $544 billion as of September 30, 2025.
Dec 16, 2025, 8:04 PM
Truist outlines plan to achieve 15% ROTCE by 2027
TFC
Guidance Update
Share Buyback
Revenue Acceleration/Inflection
- Truist CEO Bill Rogers detailed a path to achieve a 15% ROTCE by 2027 through stronger revenue growth, higher operating leverage, and increased share repurchases.
- Revenue growth is expected to accelerate to over 4% in 2026, driven by low double-digit growth in payments and investment banking, and high-single-digit growth in wealth management.
- Loan growth remained robust in 2025 with strategic expansion in consumer and commercial portfolios; wholesale lending is poised to lead growth in 2026 as newly hired middle-market teams ramp up.
- Capital plan targets ~10% CET1 by year-end 2026 and $3–4 billion in share buybacks, with organic growth and dividends prioritized over large-scale M&A.
Dec 9, 2025, 2:20 PM
Truist CEO outlines ROTCE target and growth strategy
TFC
Guidance Update
Share Buyback
- 15% ROTCE target by 2027, driven by stronger revenue growth, operating leverage, and increased buybacks
- Growth to be fueled by higher-ROA businesses: investment banking (low double-digit CAGR), payments (double-digit growth), and a ramping wealth engine
- Loan growth momentum in 2025 from strategic net-new client focus, with consumer lending pacing early in the year and wholesale accelerating in recent quarters
- Deposit growth gaining traction via Premier banking (significant production gains) and focused reduction of higher-cost wholesale funding
- Capital priorities: support organic growth, maintain the dividend, and return $3–4 billion in share buybacks, targeting a ~10% CET1 ratio by year-end
Dec 9, 2025, 2:20 PM
Truist outlines 2026 growth and 2027 ROTCE targets
TFC
Guidance Update
Share Buyback
- Truist has shifted to offense, simplifying its model and setting a path to 15% ROTCE by 2027.
- Revenue is expected to rise by >4% in 2026, driven by NII growth, NIM expansion, and double-digit fee income from investment banking, payments, and wealth.
- After strong 2025 loan growth—led by consumer initially—Truist plans to emphasize higher-return wholesale lending in 2026.
- The deposit J-curve is catching up with lending, with a focus on client deposit growth and reducing wholesale funding to improve funding mix.
- Truist targets ~10% CET1 by year-end, supporting $3–4 billion in share buybacks and a stable dividend alongside growth.
Dec 9, 2025, 2:20 PM
Quarterly earnings call transcripts for TRUIST FINANCIAL.
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