The earnings call reflects a strong performance in loan growth and digital engagement, with positive returns to shareholders. However, challenges remain with declining investment banking revenue and increased expenses. Overall, the sentiment is balanced, with optimism for future growth and strategic investments.

Company Guidance

In the second quarter of 2025, Truist Financial Corporation reported net income available to common shareholders of $1.2 billion, or $0.90 per share, which included $0.02 of restructuring charges and $0.01 of losses from the sale of investment securities. The company's performance was underpinned by 2% growth in average loan balances and a 3.3% increase in end-of-period loans compared to the previous quarter. Asset quality remained robust, with nonperforming loans and net charge-offs both decreasing by nine basis points. The company's capital position was solid, with a CET1 ratio of 11% and a stress capital buffer expected to decrease to 2.5% by October 1. Truist returned $1.4 billion to shareholders through dividends and stock repurchases, exceeding its $500 million quarterly repurchase target by $250 million in response to market conditions. Looking forward, Truist anticipates revenue growth of 1.5% to 2.5% for 2025, with a continued focus on strategic investments in talent and technology while maintaining expense growth at around 1%.

Strong Loan Growth

Average loan balances increased by 2% with end-of-period loans up 3.3% linked quarter. Growth was broad-based across consumer and wholesale segments.

Capital Return to Shareholders

Returned $1.4 billion of capital to shareholders through dividends and share repurchases, including $750 million of stock repurchases.

Positive Asset Quality Metrics

Nonperforming loans and net charge-offs were down nine basis points linked quarter, showcasing strong asset quality.

Digital Engagement Growth

Digital account production rose 17% year over year, with 43% of new clients joining through digital channels.

Improved Treasury Management

Treasury management fees increased by 14% compared to the second quarter of last year, driven by new digital services.

Truist Financial (TFC) Earnings, Revenues Date & History

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TFC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 17, 2025	2025 (Q3)	0.99 / -	0.99	―	―	―
Jul 18, 2025	2025 (Q2)	0.92 / 0.90	0.62	45.16% (+0.28)
Apr 17, 2025	2025 (Q1)	0.87 / 0.87	0.81	7.41% (+0.06)
Jan 17, 2025	2024 (Q4)	0.88 / 0.91	-3.85	123.64% (+4.76)
Oct 17, 2024	2024 (Q3)	0.91 / 0.99	0.8	23.75% (+0.19)
Jul 22, 2024	2024 (Q2)	0.62 / 0.62	0.92	-32.61% (-0.30)
Apr 22, 2024	2024 (Q1)	0.78 / 0.81	1.05	-22.86% (-0.24)
Jan 18, 2024	2023 (Q4)	0.67 / -3.85	1.2	-420.83% (-5.05)
Oct 19, 2023	2023 (Q3)	0.81 / 0.80	1.15	-30.43% (-0.35)
Jul 20, 2023	2023 (Q2)	1.00 / 0.92	1.09	-15.60% (-0.17)

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
Jul 18, 2025	$44.46	$43.71	-1.69%
Apr 17, 2025	$35.10	$35.00	-0.28%
Jan 17, 2025	$43.36	$45.93	+5.93%
Oct 17, 2024	$42.44	$40.94	-3.53%

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.