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Truist Financial (TFC)
NYSE:TFC
Earnings Data
Report Date
Apr 17, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1Last Year’s EPS
0.87Same Quarter Last Year
Moderate Buy
Based on 15 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed clear momentum across core businesses: profitable Q4 and full‑year results, broad‑based loan growth, improving net interest margin and deposit costs, strong digital and Premier outcomes, stable asset quality, and an aggressive capital return plan (including a $10B repurchase authorization and ~$4B repurchase target for 2026). Near‑term headwinds include a Q4 legal accrual and severance that raised GAAP expenses, a modest YoY decline in noninterest income, and a small linked‑quarter uptick in net charge‑offs. Management provided constructive 2026 guidance (revenue +4%–5%, NII +3%–4%, modest expense growth) and a clear path to a 15% ROTCE in 2027. Overall, the positives (improving revenue drivers, capital returns, margin momentum, and stable credit) materially outweigh the limited near‑term negatives.Company Guidance
Solid Quarterly and Full-Year Earnings
Reported Q4 2025 net income available to common shareholders of $1.3 billion ($1.00 per diluted share) and full‑year 2025 net income of $5.0 billion ($3.82 per diluted share). Results reflect continued profitability and momentum into 2026.
Loan Growth and Composition
Average loans held for investment increased $4.3 billion (1.3% linked quarter) to $325 billion. Full‑year average loans rose 3.6% to $316 billion, driven by 5.4% growth in consumer and card loans and 2.4% growth in commercial loans. Wholesale average loans grew 3% for 2025 with Q4 average wholesale loans up 8% vs. Q4 2024.
Net Interest Income and Margin Improvement
Taxable-equivalent net interest income increased 1.9% linked quarter ($69 million). Net interest margin rose 6 basis points linked quarter to 3.07%. Management expects NII growth of 3%–4% in 2026 and an average 2026 net interest margin above the 2025 average of 3.03%, with expectation to exit 2026 in the low-3.1x range.
Deposit Cost and Beta Improvements
Average interest-bearing deposit cost declined 27 basis points to 2.23% and total cost of deposits declined 20 basis points to 1.64%. Cumulative interest-bearing deposit beta improved from 38% to 45% and total deposit beta improved from 24% to 30% linked quarter, reflecting better deposit mix and lower funding costs.
Strong Capital Return Actions
Returned $5.2 billion of capital to shareholders in 2025 (dividends and $2.5 billion repurchases). Repurchased $750 million in Q4 and announced a new repurchase authorization up to $10 billion with no expiration. Management is targeting approximately $4 billion of share repurchases in 2026.
Positive Operating Leverage and Expense Discipline
Management reported 100 basis points of positive adjusted operating leverage for 2025 and guides GAAP noninterest expense growth of 1.25%–2.25% in 2026, implying approximately 275 basis points of positive operating leverage on GAAP basis (or ~165 bps excluding the Q4 legal accrual).
Digital, Premier and Product Momentum
Added 77,000 digital new-to-bank clients (up 10% year over year for the quarter) and digital production up 9% for 2025. Premier Banking production increased (deposits +22%, lending +32%, financial plans +12%). Truist Assist enhancements drove a 97% increase in digital chat engagement in 2025.
Asset Quality Remains Stable
Nonperforming loans held for investment remained stable at 48 bps of total loans. Allowance for loan and lease losses declined one basis point to 1.53% of total loans. Full‑year net charge-offs declined 5 bps to 54 bps for 2025; management expects net charge-offs of roughly 55 bps in 2026.
Clear 2027 ROTCE Target and Growth Outlook
Management reaffirmed a target of 15% return on tangible common equity (ROTCE) in 2027 (14% target for 2026), with an explicit strategy to double 2025 revenue growth rate in 2026, deepen client relationships, and accelerate capital returns.
TFC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
TFC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 21, 2026 | $49.14 | $50.02 | +1.79% |
Oct 17, 2025 | $40.62 | $42.11 | +3.68% |
Jul 18, 2025 | $43.95 | $43.21 | -1.69% |
Apr 17, 2025 | $34.69 | $34.60 | -0.28% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Truist Financial (TFC) report earnings?
Truist Financial (TFC) is schdueled to report earning on Apr 17, 2026, Before Open (Confirmed).
What is Truist Financial (TFC) earnings time?
Truist Financial (TFC) earnings time is at Apr 17, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is TFC EPS forecast?
TFC EPS forecast for the fiscal quarter 2026 (Q1) is 1.
