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Inferra AI / Company / TFC

Truist Financial

TFC · Financials

Last earnings Oct 16, 2026

Key results

Total TE revenuequarter

4.0%

Total TE revenues were up 4.0% TE net interest income increased 1.2% net interest margin was down one basis point Noninterest income was up $158 million, or 11%, primarily due to higher investment banking and trading income and wealth management income

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Revenuequarter

21%

Taxable equivalent revenue and taxable equivalent net interest income include a taxable equivalent adjustment utilizing the federal income tax rate of 21% for certain tax-exempt instruments.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Adjusted 3Q25 2Q25 3Q24 Revenue $5,238 3.7% 1.9% Expense $2,987 1.0% 2.4% PPNR $2,251 7.4% 1.3% Efficiency ratio 55.7% (140) bps 50 bps CET1 ratio (including AOCI) 9.4% 10 bps (50) bps Performance highlights Credit and capital Solid asset quality and capital remains strong Revenue increased 4.0% vs.

SEC original ↗Truist Financial — Presentation / slide deck (8-K exhibit)EX-99Oct 17, 2025

Adjusted revenuequarter

3.7%

Adjusted revenue increased 3.7% Revenue 3Q25 net income available to common shareholders of $1.3 billion, or $1.04 per share Includes $0.02 per share of after-tax restructuring charges Earnings Noninterest expense increased 0.9% vs.

SEC original ↗Truist Financial — Presentation / slide deck (8-K exhibit)EX-99Oct 17, 2025

Net incomequarter

$1.3 billion

Adjusted revenue increased 3.7% Revenue 3Q25 net income available to common shareholders of $1.3 billion, or $1.04 per share Includes $0.02 per share of after-tax restructuring charges Earnings Noninterest expense increased 0.9% vs.

SEC original ↗Truist Financial — Presentation / slide deck (8-K exhibit)EX-99Oct 17, 2025

EPSquarter

$1.04

Adjusted revenue increased 3.7% Revenue 3Q25 net income available to common shareholders of $1.3 billion, or $1.04 per share Includes $0.02 per share of after-tax restructuring charges Earnings Noninterest expense increased 0.9% vs.

SEC original ↗Truist Financial — Presentation / slide deck (8-K exhibit)EX-99Oct 17, 2025

Net income of $663 million, compared to $601 million in the prior quarter Net interest income of $2.5 billion increased by $94 million, or 4.0%, primarily driven by higher loans Average loans of $134 billion increased 2.2% primarily driven by higher indirect lending due to higher production

SEC original ↗Truist Financial — Presentation / slide deck (8-K exhibit)EX-99Oct 17, 2025

Net income of $1.2 billion, compared to $933 million in the prior quarter Net interest income of $1.7 billion increased $5.0 million, or 0.3% Average loans of $186 billion increased $5.0 billion, or 2.8%, primarily related to an increase in C&I balances Average deposits of $142 billion decreased $8.3 billion, or 5.5%

SEC original ↗Truist Financial — Presentation / slide deck (8-K exhibit)EX-99Oct 17, 2025

AI analysis

Q3 2025 · reported Oct 17, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held

EPS · Q3 2025
$1.04
EX-99 · Oct 17, 2025
Net income · Q3 2025
$1.3B
EX-99 · Oct 17, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Total TE revenue4.0%——
Revenue21%——
Adjusted revenue3.7%——
Net income$1.3 billion——
EPS$1.04——

EX-99 · Oct 17, 2025

Guidance · company-stated

Direction: Lowered

Company outlook

“- 4 - Provision for Income Taxes Quarter Ended Change (Dollars in millions) 3Q25 2Q25 3Q24 Link Like Provision for income taxes $ 285 $ 273 $ 271 $ 12 4.4% $ 14 5.2% Effective tax rate 16.4 % 18.0 % 15.8 % (160) bps 60 bps The lower effective tax rate for the third quarter of 2025 compared to the second quarter of 2025 is primarily driven by a decrease in the full-year forecasted effective tax rate and lower discrete tax items.”

Classified from the release's primary full-year outlook statement.

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Interest income includes certain fees, deferred costs, and dividends.

Average deposits decreased $3.9 billion, or 1.0%, primarily due to lower short-term client deposits, average short-term borrowings increased $555 million, or 2.1%, and average long-term debt increased $7.2 billion, or 21%.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Truist Financial — Earnings release (2025-10-17)

Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held

Guidance & outlook

Direction: Lowered

Company outlook: “- 4 - Provision for Income Taxes Quarter Ended Change (Dollars in millions) 3Q25 2Q25 3Q24 Link Like Provision for income taxes $ 285 $ 273 $ 271 $ 12 4.4% $ 14 5.2% Effective tax rate 16.4 % 18.0 % 15.8 % (160) bps 60 bps The lower effective tax rate for the third quarter of 2025 compared to the second quarter of 2025 is primarily driven by a decrease in the full-year forecasted effective tax rate and lower discrete tax items.”

Company outlook — Lowered (“lower”)
“- 4 - Provision for Income Taxes Quarter Ended Change (Dollars in millions) 3Q25 2Q25 3Q24 Link Like Provision for income taxes $ 285 $ 273 $ 271 $ 12 4.4% $ 14 5.2% Effective tax rate 16.4 % 18.0 % 15.8 % (160) bps 60 bps The lower effective tax rate for the third quarter of 2025 compared to the second quarter of 2025 is primarily driven by a decrease in the full-year forecasted effective tax rate and lower discrete tax items.”

Classified from the release's primary full-year outlook statement.

Capital allocation

Interest income includes certain fees, deferred costs, and dividends.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Average deposits decreased $3.9 billion, or 1.0%, primarily due to lower short-term client deposits, average short-term borrowings increased $555 million, or 2.1%, and average long-term debt increased $7.2 billion, or 21%.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

The average cost of short-term borrowings was 4.42%, down five basis points.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

The average cost of long-term debt was 5.04%, up two basis points.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Average deposits increased $12.3 billion, or 3.2%, average short-term borrowings increased $6.0 billion, or 29%, and average long-term debt increased $6.1 billion, or 17%.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

The average cost of short-term borrowings was 4.42%, down 99 basis points.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Strategy & priorities

CEO Commentary Truist delivered strong third-quarter results, underscored by robust fee income growth in investment banking and trading and wealth, healthy loan expansion, and continued expense and credit discipline.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

We remain focused on executing our growth strategy, which is supported by our strong capital position, the attractive markets we serve and the investments we ve made in talent and technology.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

As we move forward, our clear strategic focus on growth, strong balance sheet, and purpose-driven culture positions us well to accelerate our performance, return capital to our shareholders, and drive long-term shareholder value.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Forward-looking statements often use words such as believe, expect, anticipate, intend, pursue, seek, continue, estimate, project, outlook, forecast, potential, target, objective, trend, plan, goal, initiative, priorities, or other words of comparable meaning or future-tense or conditional verbs such as may, will, should, would, or could.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Actual future objectives, strategies, plans, prospects, performance, conditions, and results may differ materially from those set forth in any forward-looking statement.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Risks & headwinds

All forward-looking statements, by their nature, are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control.

SEC original ↗Truist Financial — Earnings release (8-K exhibit)EX-99Oct 17, 2025

All forward- looking statements, by their nature, are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control.

SEC original ↗Truist Financial — Presentation / slide deck (8-K exhibit)EX-99Oct 17, 2025

Legal Proceedings 79 Item 1A.

SEC original ↗Truist Financial — 10-Q Quarterly report10-QOct 28, 2026

In evaluating probable-to-complete, requires consideration of any significant development uncertainty.

SEC original ↗Truist Financial — 10-Q Quarterly report10-QOct 28, 2026

Management also considers third-party optimistic and pessimistic macroeconomic scenarios to capture uncertainty in the economic environment.

SEC original ↗Truist Financial — 10-Q Quarterly report10-QOct 28, 2026

Documents

Earnings deck slides

1 deck with slide view

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Truist Financial — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

70 documents

Earnings releases

32 documents

Presentations

18 documents

Transcripts

0 documents

No transcripts for Truist Financial are held in this edition of the library.

Mentioned by

3 companies

Other tracked companies whose held documents mention Truist Financial by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.