Truist Financial Corporation Announces Fourth Quarter 2025 Results

Charlotte, North Carolina – January 21, 2026: Truist Financial Corporation (NYSE: TFC), one of the leading financial services companies in the United States, today released its detailed financial results for the fourth quarter of the 2025 fiscal year. The comprehensive earnings report provides a deeper look into the company’s performance across key financial metrics, recapitalization strategies, and business momentum as it enters the new year.

Highlights From the Fourth Quarter 2025 Earnings Report

The fourth quarter of 2025 was characterized by mixed financial signals for Truist. While the company maintained profitability and delivered solid net income to shareholders, several performance metrics fell short of analyst expectations.

Net Income and Earnings Per Share (EPS)

For the fourth quarter, Truist reported a net income available to common shareholders of approximately $1.29 billion, translating to $1.00 per diluted share. This figure reflects ongoing profitability, yet fell below some analyst estimates that had forecast higher earnings.

The earnings per share result was impacted by certain non-recurring charges, such as legal accruals and severance expenses, which together reduced overall quarterly earnings compared to expectations.

Total Revenue and Revenue Growth

The company reported total revenue of approximately $5.25 billion on a taxable-equivalent basis for the quarter. While this represents modest year-over-year growth, it was slightly below the consensus forecast that many analysts had projected before the release.

This result caused some investor caution, leading to movement in the company’s share price shortly after the announcement.

Net Interest Income Trends

A key driver of revenue for Truist remains its net interest income, which increased by more than 1.9% on a linked quarter basis due to rising loan balances and improved interest margins. This growth signifies a continued focus on lending operations and interest-bearing assets.

The net interest margin showed improvement relative to the prior quarter, indicating enhanced profitability from core banking operations despite broader market volatility.

Business Performance and Operational Factors

Loan and Deposit Growth

Average loans held for investment increased by more than $4.3 billion during the quarter, demonstrating expansion in both commercial and consumer segments. This rise reflects effective credit and lending strategies designed to support client demand for business and personal financing.

Deposits showed relative stability, with growth in lower-cost client deposits helping to offset reductions in higher-cost brokered deposits. This mix improvement has a positive impact on the company’s overall cost of funds.

Noninterest Income and Expense Management

Noninterest income, which includes fees from investment banking, trading, and other services, displayed mixed performance. While certain fee categories expanded, others experienced modest declines, resulting in slight overall contraction.

Noninterest expenses increased due mainly to the one-time legal accrual and higher personnel costs. However, when excluding these unusual items, operating costs showed positive underlying trends.

Strategic Actions and Shareholder Returns

Capital Return Initiatives

Throughout 2025, Truist continued its commitment to returning capital to shareholders. This includes both dividends and stock repurchases, which serve to reward long-term investors and reinforce confidence in the company’s financial position.

Particularly notable is the company’s authorization of a substantial new up to $10 billion common stock repurchase program, signaling management’s belief in the value of the company’s shares and its confidence in long-term growth prospects.

Future Guidance and Growth Outlook

Looking ahead, Truist has outlined its strategic financial targets for the full year 2026, including an expected revenue growth range and a focus on continued expansion of net interest income. The company aims to strike a balance between prudent risk management and revenue generation.

Additionally, Truist remains committed to enhancing operational efficiencies and investing in technologies that support client engagement and digital banking experiences.

Market and Share Price Reaction

After the earnings release, Truist’s stock experienced downward pressure in early market trading, reflecting investor reaction to the mixed financial results relative to consensus forecasts. Shares were seen trading below the closing prices prior to the announcement.

Market analysts highlighted that while the quarterly earnings and revenue may have missed expectations, the bank’s core fundamentals remain strong, supported by increasing loan balances and net interest growth. Investors are now focused on how these results align with future performance indicators.

About Truist Financial Corporation

Truist Financial Corporation is a U.S.-based financial services company formed through the merger of BB&T and SunTrust in 2019. Headquartered in Charlotte, North Carolina, Truist provides a wide range of banking and financial services including personal and business banking, commercial lending, wealth management, insurance, and investment banking services.

The company serves millions of clients across a broad geographic footprint in the United States, focusing on delivering value through strong customer relationships and community engagement.

Investor Access and Earnings Materials

Investors and interested parties can access the full earnings release, quarterly performance summary, investor presentation, and non-GAAP reconciliations by visiting Truist’s Investor Relations website. A replay of the earnings webcast will be available for a defined period following the live call.

This detailed financial information provides transparency into Truist’s performance, enabling shareholders and analysts to conduct comprehensive evaluations of the company’s quarterly outcomes.

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