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Truist Financial
Truist Financial (TFC) investor relations material
Truist Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Net income available to common shareholders was $1.3 billion ($1.00 per diluted share) for Q4 2025 and $5.0 billion ($3.82 per diluted share) for the full year, including charges for severance and a $130 million legal settlement.
Achieved strong 2025 results with broad-based loan growth, strategic investments in technology and talent, and positive operating leverage.
Returned $5.2 billion to shareholders in 2025, a 37% increase over 2024, through dividends and share repurchases.
Entered 2026 with significant momentum, aiming to double revenue growth and achieve a 15% ROTCE by 2027.
Announced a new $10 billion share repurchase authorization with no expiration date.
Financial highlights
Q4 2025 net income: $1.3 billion; full-year 2025 net income: $5.0 billion; diluted EPS: $1.00 (Q4), $3.82 (full year).
Revenue for 2025 was $20.5 billion, up 0.1% year-over-year; Q4 revenue increased 1.1% sequentially, driven by 1.9% net interest income growth.
Net interest margin was 3.07% in Q4 2025, up 6 bps sequentially; full-year 2025 net interest margin was 3.03%.
Noninterest expense rose 5.2% sequentially in Q4, mainly due to legal and personnel costs; excluding these, expense declined 0.3%.
CET1 ratio at 10.8% at year-end 2025; repurchased $750 million in Q4; dividend payout ratio was 51%.
Outlook and guidance
2026 revenue expected to grow 4%-5%, with net interest income up 3%-4% and noninterest income up mid to high single digits.
2026 GAAP noninterest expense to rise 1.25%-2.25%, implying 275 bps positive operating leverage.
Targeting $4 billion in share repurchases for 2026, up 60% from 2025.
Net charge-off ratio projected at ~55 bps in 2026; effective tax rate expected at ~16.5%.
Management targets a 15% ROTCE by 2027, driven by business growth, operating leverage, and capital actions.
Impact of legal accrual on core efficiency
Loan growth vs. NCO trends in specific portfolios
Capital return strategy given CET1 decline
What CET1 level underpins 2027 ROTCE target
Investments driving wholesale payments growth
Drivers of 2026 loan mix rebalancing
Partial view of Summaries dataset, powered by Quartr API
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Next Truist Financial earnings date
Q1 202617 Apr, 2026
Truist Financial
Next Truist Financial earnings date
Q1 202617 Apr, 2026
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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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