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Truist Financial Corporation

Truist Financial Corporation

NYSE•TFC
CEO: Mr. William Henry Rogers Jr.
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1980-03-18
Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings.Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; automobile lending; credit card lending; consumer finance; home equity and mortgage lending; other direct retail lending; insurance; investment brokerage; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; small business lending; and wealth management/private banking services. In addition, it offers asset based lending, investment banking and capital market, institutional trust, insurance premium finance, derivatives, commercial lending, international banking, leasing, merchant, commercial deposit and treasury, floor plan, mortgage warehouse lending, real estate lending, and supply chain financing services. Further, the company provides insurance brokerage, retail and wholesale brokerage, securities underwriting and market making, loan syndication, and investment management and advisory services. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.
Contact Information
214 North Tryon Street, Charlotte, NC, 28202, United States
336-733-2000
www.truist.com
Market Cap
$65.16B
P/E (TTM)
12.7
14.5
Dividend Yield
4.2%
52W High
$50.43
52W Low
$33.56
52W Range
98%
Rank45Top 43.2%
4.0
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$7.17B-8.45%
4-Quarter Trend

EPS

$1.05+5.00%
4-Quarter Trend

FCF

$1.27B-17.54%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Q3 Net Income Up 0.9% Q3 Net Income available to common shareholders was $1.348B, up 0.9% YoY. Diluted EPS increased 5.1% to $1.04, driven by robust fee income growth.
Loan Growth Strong, NIM Compressed Average total loans grew 5.7% YoY ($17.5B increase). Taxable-equivalent NIM was 3.01%, declining 11 basis points due to variable rate loan repricing.
Asset Quality Remains Solid Net charge-off ratio improved 7 bps to 0.48% YoY. Provision for credit losses decreased to $436M, while the ALLL ratio remained flat at 1.54%.
Capital Position Strong Preliminary CET1 ratio held steady at 11.0% as earnings offset capital returned to shareholders. Average LCR was 110%, exceeding the 100% minimum.

Risk Factors

Slight NPL Ratio Increase Nonperforming loans ratio increased 9 basis points sequentially to 0.48%, primarily due to growth in the commercial and industrial portfolio segment.
Interest Rate Sensitivity Pressure NIM compressed 11 basis points due to the impact of variable rate loan repricing on the average total loan portfolio yield.
Rising Noninterest Expenses Noninterest expense increased 3.0% sequentially, driven by higher personnel expenses related to technology and talent investments across the organization.
Capital Buffer Requirement Lowered The Stress Capital Buffer requirement decreased by 30 basis points for the upcoming period following the 2025 CCAR process completion.

Outlook

Strategic Growth Investments Announced multi-year strategic investments including building 100 new insights-driven branches and enhancing digital capabilities across the footprint.
Continued Capital Deployment Targeting $750M common stock repurchase in Q4 2025. $2.3 billion remains authorized under the current common share repurchase plan.
Loan Portfolio Expansion Expect continued loan growth across commercial and consumer segments, supported by strong capital levels and ongoing risk management discipline.

Peer Comparison

Revenue (TTM)

U.S. BancorpUSB
$42.55B
+0.3%
The PNC Financial Services Group, Inc.PNC
$33.80B
+0.5%
Truist Financial CorporationTFC
$29.76B
+18.9%

Gross Margin (Latest Quarter)

Citizens Financial Group, Inc.CFG
92.7%
+36.4pp
U.S. BancorpUSB
68.6%
+10.4pp
Comerica IncorporatedCMA
67.4%
+4.1pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
USB$83.54B11.611.8%11.2%
PNC$82.47B12.711.5%11.0%
TFC$65.16B12.77.8%13.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-2.1%
Flat Growth
4Q Net Income CAGR
0.5%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jul 17, 2026
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EPS:-
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Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 30, 2025|
    Revenue: $7.17B-8.4%
    |
    EPS: $1.05+5.0%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Jul 31, 2025|
    Revenue: $7.55B+563.2%
    |
    EPS: $0.91+46.8%
    Meet

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: Apr 30, 2025|
    Revenue: $7.38B-3.3%
    |
    EPS: $0.88+7.3%
    Meet

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 25, 2025|
    Revenue: $24.25B-19.0%
    |
    EPS: $3.36+408.3%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 1, 2024|
    Revenue: $7.84B+3.6%
    |
    EPS: $1.00+25.0%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 8, 2024|
    Revenue: $1.14B-84.9%
    |
    EPS: $0.62-33.3%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 9, 2024|
    Revenue: $7.63B+5.9%
    |
    EPS: $0.82-22.6%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 27, 2024|
    Revenue: $29.95B+34.3%
    |
    EPS: $-1.09-124.4%
    Miss