Truist Financial Q4 Earnings Call Highlights

2 days ago 2

MarketBeat

Wed, January 21, 2026 astatine 11:14 AM CST 8 min read

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Truist reported Q4 nett income disposable to communal shareholders of $1.3 billion (diluted EPS of $1.00) and full‑year 2025 nett income of $5.0 billion (EPS $3.82), and reaffirmed targets of 14% ROTCE for 2026 and 15% ROTCE for 2027.
For 2026 absorption guided to 4–5% gross growth (with 3–4% nett involvement income growth), GAAP non‑interest disbursal up 1.25–2.25%, nett charge‑offs astir 55 bps, and astir $4 billion of stock repurchases (including $1 cardinal targeted successful Q1).
Balance‑sheet and concern momentum: mean loans roseate modestly (Q4 mean loans to $325 billion; +3.6% for FY), integer new‑to‑bank clients accrued 10% Y/Y, NIM improved to 3.07% successful Q4 with expectations to transcend 2025's 3.03% for 2026, and Truist returned $5.2 billion to shareholders successful 2025 portion CET1 was 10.8%.
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Truist Financial (NYSE:TFC) reported fourth-quarter 2025 nett income disposable to communal shareholders of $1.3 billion, oregon $1.00 per diluted share, and full-year 2025 nett income of $5.0 billion, oregon $3.82 per diluted share, absorption said connected the company’s net call.

Chairman and CEO Bill Rogers said the institution “closed 2025 with beardown results and wide momentum heading into 2026,” pointing to indebtedness growth, interest momentum successful the 2nd fractional of the year, and disbursal discipline. Truist besides reiterated a longer-term profitability goal, with Rogers saying the institution remains “locked in” connected a 15% instrumentality connected tangible communal equity (ROTCE) successful 2027, and added it is targeting 14% ROTCE successful 2026.

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CFO Mike Maguire said fourth-quarter results included a $130 cardinal charge, oregon $0.08 per stock aft tax, tied to an incremental accrual related to a colony statement executed Jan. 20, 2026 successful the substance of Bickerstaff versus SunTrust Bank. The 4th besides included astir $0.04 per stock of charges “primarily related to severance.” Rogers said definite charges totaled $0.12 per stock successful the 4th and $0.18 per stock for the year.

Revenue roseate 1.1% from the 3rd quarter, driven by a 1.9% summation successful nett involvement income, partially offset by a humble diminution successful non-interest income. GAAP non-interest disbursal accrued 5.2% sequentially, which Maguire attributed chiefly to the ineligible accrual and higher unit expense. Excluding the ineligible accrual and severance, helium said non-interest disbursal declined astir 0.3% from the anterior quarter.