Truist Financial (NYSE:TFC) Announces Earnings Results

Truist Financial (NYSE:TFC) posted its quarterly earnings data on Wednesday. The insurance provider reported $1.00 EPS for the quarter, missing analysts’ consensus estimates of $1.09 by ($0.09), Briefing.com reports. The business had revenue of $5.30 billion during the quarter, compared to analysts’ expectations of $5.32 billion. Truist Financial had a net margin of 17.09% and a return on equity of 9.03%. The firm’s quarterly revenue was up 3.6% compared to the same quarter last year. During the same quarter last year, the firm earned $0.91 earnings per share.

Here are the key takeaways from Truist Financial’s conference call:

• Truist reported Q4 net income available to common shareholders of $1.3 billion ($1.00 per diluted share) and FY2025 net income of $5.0 billion, but results included legal accruals and severance charges (~$0.12 per share in Q4 and ~$0.18 for the year) related to a settlement announced in January 2026.
• Management expects 3%–4% average loan growth in 2026 (primarily commercial-led), improving deposit mix and lower deposit costs, and guides net interest income up 3%–4% with full-year NIM above the 2025 average of 3.03%.
• Truist is guiding full-year 2026 revenue growth of 4%–5% and GAAP non-interest expense growth of 1.25%–2.25%, implying roughly 275 basis points of positive operating leverage as it pursues a 15% ROTCE target for 2027.
• Capital return will accelerate — the firm repurchased $750 million in Q4, authorized up to $10 billion in buybacks, and is targeting about $4 billion of repurchases in 2026 (roughly $1 billion in Q1), while managing CET1 near its ~10% planning level.
• Asset quality stayed stable with non-performing loans around 48 bps and an ALLL of ~1.53%, and management expects net charge-offs near ~55 bps in 2026, signaling steady credit conditions to monitor.

Truist Financial Stock Up 0.6%

TFC opened at $50.30 on Friday. The company has a debt-to-equity ratio of 0.70, a current ratio of 0.87 and a quick ratio of 0.86. The stock has a market capitalization of $64.35 billion, a price-to-earnings ratio of 13.20, a price-to-earnings-growth ratio of 0.95 and a beta of 0.89. Truist Financial has a 12 month low of $33.56 and a 12 month high of $51.51. The business has a 50-day moving average of $48.65 and a two-hundred day moving average of $46.14.

Truist Financial Announces Dividend

The firm also recently declared a quarterly dividend, which was paid on Monday, December 1st. Shareholders of record on Friday, November 14th were paid a dividend of $0.52 per share. This represents a $2.08 dividend on an annualized basis and a dividend yield of 4.1%. The ex-dividend date of this dividend was Friday, November 14th. Truist Financial’s dividend payout ratio is currently 55.91%.

Analysts Set New Price Targets

A number of analysts have commented on TFC shares. Piper Sandler increased their price objective on shares of Truist Financial from $50.00 to $53.00 and gave the company a “neutral” rating in a report on Thursday. TD Cowen upped their price target on Truist Financial from $59.00 to $60.00 and gave the company a “buy” rating in a research note on Thursday. Raymond James Financial lifted their target price on shares of Truist Financial from $50.00 to $56.00 and gave the company an “outperform” rating in a report on Wednesday, January 7th. Wall Street Zen downgraded Truist Financial from a “hold” rating to a “sell” rating in a research report on Saturday, November 8th. Finally, Robert W. Baird cut shares of Truist Financial from a “strong-buy” rating to a “hold” rating in a report on Thursday, December 11th. Six analysts have rated the stock with a Buy rating, seven have given a Hold rating and one has assigned a Sell rating to the stock. According to data from MarketBeat.com, the company has a consensus rating of “Hold” and an average target price of $53.20.

Insider Activity

In other news, Director K. David Jr. Boyer sold 5,160 shares of the stock in a transaction on Tuesday, November 25th. The shares were sold at an average price of $46.45, for a total value of $239,682.00. Following the completion of the sale, the director owned 10,153 shares of the company’s stock, valued at $471,606.85. This represents a 33.70% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available at this hyperlink. Insiders own 0.17% of the company’s stock.

Institutional Investors Weigh In On Truist Financial

Several institutional investors and hedge funds have recently modified their holdings of TFC. Centaurus Financial Inc. increased its holdings in Truist Financial by 41.7% during the 3rd quarter. Centaurus Financial Inc. now owns 14,801 shares of the insurance provider’s stock worth $677,000 after purchasing an additional 4,353 shares during the last quarter. Sunbelt Securities Inc. lifted its position in Truist Financial by 128.6% in the 3rd quarter. Sunbelt Securities Inc. now owns 5,048 shares of the insurance provider’s stock valued at $231,000 after purchasing an additional 2,840 shares during the last quarter. Captrust Financial Advisors grew its position in Truist Financial by 0.9% in the 3rd quarter. Captrust Financial Advisors now owns 738,290 shares of the insurance provider’s stock worth $33,755,000 after purchasing an additional 6,313 shares during the last quarter. Coldstream Capital Management Inc. increased its stake in shares of Truist Financial by 17.8% in the third quarter. Coldstream Capital Management Inc. now owns 23,998 shares of the insurance provider’s stock valued at $1,097,000 after purchasing an additional 3,631 shares during the period. Finally, Advisory Services Network LLC boosted its position in shares of Truist Financial by 2.9% during the third quarter. Advisory Services Network LLC now owns 144,155 shares of the insurance provider’s stock worth $6,591,000 after buying an additional 4,069 shares during the period. Hedge funds and other institutional investors own 71.28% of the company’s stock.

Truist Financial announced that its Board of Directors has approved a share buyback plan on Tuesday, December 16th that allows the company to repurchase $10.00 billion in shares. This repurchase authorization allows the insurance provider to buy up to 15.7% of its shares through open market purchases. Shares repurchase plans are usually an indication that the company’s leadership believes its shares are undervalued.

Trending Headlines about Truist Financial

Here are the key news stories impacting Truist Financial this week:

• Positive Sentiment: TD Cowen raised its price target on TFC to $60 and maintained a “buy” rating, implying roughly ~19% upside from current levels — supportive analyst sentiment that can lift the stock. Benzinga
• Positive Sentiment: Some outlets report Truist delivered an adjusted Q4 EPS beat (reported $1.12 vs. the Zacks consensus $1.09), and year-over-year EPS improvement — this stronger-than-expected profitability on an adjusted basis is a near-term positive for shares. Zacks: Earnings Beat
• Neutral Sentiment: Truist posted its full Q4 release, slide deck and earnings call materials — useful for investors who want to dig into line-item trends (NII, fees, loan growth and provisioning). PR Newswire: Q4 Release
• Neutral Sentiment: Company updated Q1 and FY‑2026 revenue guidance with ranges slightly below consensus (Q1: ~$5.1–5.2B vs. consensus ~$5.2B; FY: $21.3–21.5B vs. ~$21.4B) — guidance is broadly in line but offers limited upside visibility. Slide Deck
• Negative Sentiment: Other reports show a weaker headline EPS (MarketBeat cited $1.00, missing estimates) and revenue slightly shy of expectations — conflicting presentations of GAAP vs. adjusted results can pressure sentiment. MarketBeat: Q4 Results
• Negative Sentiment: Analysts and coverage note rising operating expenses and higher credit provisions offsetting NII/fee gains, and commentary that growth is muted — Seeking Alpha highlighted a downgrade and skepticism that buybacks will offset slower underlying growth. Those factors are weighing on the stock. Seeking Alpha: Downgrade

Truist Financial Company Profile

Truist Financial Corporation is an American bank holding company that provides a broad range of financial services through its primary subsidiary, Truist Bank, and other operating units. The company offers traditional retail banking products and services such as deposit accounts, consumer and residential mortgage lending, and credit and debit card services. Truist also serves commercial clients with middle-market and corporate lending, treasury and payment solutions, and specialty finance products.

Beyond core banking, Truist operates wealth management, asset management, insurance and capital markets businesses.