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Visual24 Oct 2025
World's five largest confectionery companies
Truist Financial (TFC) investor relations material
Truist Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Reported Q3 2025 net income available to common shareholders of $1.3 billion, or $1.04 per share, including $0.02 per share in restructuring charges related to severance.
Strong performance driven by broad-based loan growth, robust fee income from investment banking, trading, and wealth management, and disciplined expense management.
Repurchased $500 million of common stock in Q3 2025, targeting $750 million in Q4 2025.
Announced investments in 100 new branches, 300 renovations, digital enhancements, and hiring to deepen client relationships and accelerate growth.
Continued progress on 2025 strategic priorities, with a target of 15% ROTCE by 2027.
Financial highlights
Adjusted revenue increased 4.0% sequentially, with non-interest income up 11.3% and net interest income up 1.2%.
Net interest margin was 3.01%, down 1 basis point sequentially.
Average loan balances rose 2.5% sequentially, with broad-based growth in both wholesale and consumer segments.
Average deposit balances declined 1% due to withdrawal of $10.9 billion in M&A-related deposits; excluding this, core client deposits increased.
Adjusted non-interest income reached over $1.5 billion, the best since the TIH divestiture.
Outlook and guidance
Q4 2025 revenue expected to increase 1%-2% over Q3’s $5.2 billion, with net interest income projected to grow ~2% and non-interest income stable.
Full-year 2025 revenue growth expected at midpoint of 1.5%-2.5% range; adjusted expenses to rise ~1% year-over-year.
Net charge-offs for 2025 guided to 55 basis points, with effective tax rate at 17.5%.
2026 revenue growth rate expected to more than double 2025’s, with higher operating leverage and increased share repurchases ($3-$4 billion).
Targeting 15% ROTCE for full-year 2027.
Address deposit decline and funding mix shift.
Explain rise in NPLs despite lower NCOs.
How do talent/tech investments drive revenue?
How does NDFI risk compare to other loan books?
2026 revenue growth: NII vs. fee income mix?
Balance efficiency optimization with growth investments?
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Next Truist Financial earnings date
The BancAnalysts Association of Boston Conference6 Nov, 2025
Next Truist Financial earnings date
The BancAnalysts Association of Boston Conference6 Nov, 2025
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Frequently asked questions
From financial services to investment banking
Truist Financial Corporation is a major US bank holding company formed through the merger of BB&T and SunTrust in 2019. The company offers a range of financial services, including banking, lending, and wealth management.
Different revenue streams
One of the primary ways that Truist Financial generates revenue is through interest income. The company offers a range of banking products, including savings accounts, checking accounts, and loans, which generate interest income. Truist Financial also generates interest income through its investment portfolio, which includes a range of assets such as bonds, securities, and other financial instruments.
Fees and commissions
In addition to interest income, Truist Financial also generates revenue through fees and commissions. The company charges fees for a variety of banking services, including ATM usage, wire transfers, and overdraft protection. Truist Financial also earns commissions on investment products, such as mutual funds and insurance policies.
Investment banking services
Truist Financial also generates revenue through investment banking services. They offer a wide range of services, including underwriting, mergers and acquisitions, and capital markets. Truist Financial works with a variety of clients, including corporations, governments, and institutional investors, to help them raise capital, execute strategic transactions, and manage risk. It is a market segment driven by fierce competition and they go up against giants such as Bank of America, JP Morgan, Goldman Sachs, Citigroup, and Barclays.
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