The earnings call presented a strong performance in loan growth and digital expansion, with a robust return of capital to shareholders. Despite these positives, challenges in investment banking and trading revenue, alongside increased operating expenses, were notable. Overall, the highlights outweigh the lowlights, reflecting a positive sentiment.

Company Guidance -

Q3 2025

During the Truist Financial Corporation Second Quarter 2025 Earnings Conference Call, the guidance provided highlighted several key metrics. The company 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 certain investment securities. Average loan balances increased by 2%, and end-of-period loans grew by 3.3% linked quarter, driven by new client acquisitions and broad-based growth across consumer and wholesale segments. Truist also saw a notable 43% of new clients joining through digital channels, contributing to a 17% increase in digital account production year over year. Asset quality remained strong with nonperforming loans and net charge-offs both down nine basis points linked quarter. The company returned $1.4 billion to shareholders through dividends and share repurchases, maintaining a strong capital position with a CET1 ratio of 11%. For the full year, Truist expects revenue growth between 1.5% and 2.5%, net interest income to increase by 3%, and adjusted expenses to grow by approximately 1%, aiming for positive operating leverage.

Strong Loan Growth

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

Net Income and Shareholder Returns

Net income available to common shareholders was $1.2 billion or $0.90 per share. $1.4 billion of capital was returned to shareholders through common stock dividends and repurchase of $750 million of common stock.

Digital and Client Growth

Digital account production rose 17% year over year, with 43% of new clients joining through digital channels. Net new checking accounts grew by nearly 37,000.

Asset Quality Improvement

Nonperforming loans and net charge-offs were down nine basis points linked quarter. Consumer net charge-offs reached their lowest levels since Q3 2023.

Treasury Management and Payments Growth

Treasury management penetration rates increased, driving a 14% increase in revenue compared to the second quarter of last year.

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	$45.01	$44.25	-1.69%
Apr 17, 2025	$35.53	$35.43	-0.28%
Jan 17, 2025	$43.89	$46.50	+5.95%
Oct 17, 2024	$42.96	$41.44	-3.54%

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.