Truist announces redemption of senior notes due March 2027 [Accessibility Statement] Skip NavigationCHARLOTTE, N.C., Feb. 18, 2026 /PRNewswire/ -- Truist Financial Corporation (NYSE: TFC) today announced it will redeem all $1,250,000,000 principal amount outstanding of its fixed-to-floating rate senior notes due Mar. 2, 2027, (CUSIP 89788MAD4) on the redemption date of Mar. 2, 2026.The redemption price for the senior notes will be equal to 100% of the principal amount plus accrued and unpaid interest to, bu ...

格隆汇2月18日｜知名对冲基金阿帕卢萨资产管理公司(Appaloosa Management)创办人、美股传奇投资人 泰珀(David Tepper)最新提交的2025年第四季13F持股申报显示，他在季内调整投资组合配置，重点加码 美光与Meta，同时减持Whirlpool等，并新增韩国ETF，反映其在科技与景气循环类股之间进行再平衡。 该对冲基金季内增持美光100万股，将总持股推升至150万股，总市值约4.28亿美元；增持Meta 23万 股，将总持股提高至60万股，总市值约3.96亿美元。另一方面，该对冲基金减持Whirlpool 159万股，清 仓Fiserv与Truist Financial，分别卖出全部92.5万股与138.75万股。 来源：格隆汇APP ...

Truist Financial Corporation (NYSE:TFC) is one of the 10 Best Bank Stocks to Buy in 2026. On February 9, JPMorgan analyst Vivek Juneja raised his target price on Truist Financial by 10.7% to $57.00 (from $51.50) but maintained his Neutral rating on the stock. This target price change comes as JPMorgan updated its large-cap bank forecasts following the release of the 4th quarter results. The firm prefers bank stocks in this market cycle for five reasons. (1) Good economic trends, (2) Steady fundamentals, ...

Core Viewpoint - Truist Financial Corporation has announced the schedule for its 2027 earnings conference calls, indicating a structured approach to financial reporting and transparency for investors [1]. Group 1: Earnings Conference Call Schedule - The fourth quarter 2027 earnings call is scheduled for January 19, 2028, at 8 a.m. ET [1]. - The third quarter 2027 earnings call will take place on October 19, 2027, at 8 a.m. ET [1]. - The second quarter 2027 earnings call is set for July 16, 2027, at 9 a.m. ET [1]. - The first quarter 2027 earnings call is planned for April 16, 2027, at 8 a.m. ET [1]. Group 2: Company Overview - Truist Financial Corporation is a purpose-driven financial services company headquartered in Charlotte, North Carolina [1]. - The company has a total asset base of $548 billion as of December 31, 2025, positioning it as a top-10 commercial bank in the U.S. [1]. - Truist offers a wide range of financial products and services, including consumer and small business banking, commercial and corporate banking, investment banking, capital markets, wealth management, payments, and specialized lending [1].

Core Insights - JPMorgan is the largest U.S. bank with a diversified franchise across various banking sectors, while Truist Financial is a regional bank focusing on digital banking and client experience [1][2] Group 1: JPMorgan's Position - JPMorgan's balance sheet is highly asset-sensitive, with net interest income (NII) projected to grow over 7% to $103 billion in 2026 despite lower rates [3][28] - The bank plans to open over 500 new branches by 2027 and expand its digital banking presence in the EU, including a launch in Germany by mid-2026 [4][28] - Strategic acquisitions, including a larger stake in Brazil's C6 Bank and the purchase of First Republic Bank, are part of JPMorgan's growth strategy [5][28] - The company expects card service net charge-off (NCO) rates to be around 3.4% due to favorable delinquency trends [5] Group 2: Truist Financial's Strategy - Truist is less sensitive to interest rate cycles and is focusing on strengthening its balance sheet and enhancing non-interest revenue sources post-insurance divestiture [6][29] - The bank announced a growth plan to open 100 new branches and renovate over 300 locations by 2030, while investing in its business banking ecosystem [7][29] - Truist anticipates NII growth of 3-4% in 2026, driven by low single-digit loan and deposit growth and improved earning asset mix [9][10] Group 3: Financial Performance and Valuation - Over the past year, JPMorgan shares gained 12.5%, while Truist shares increased by 16.3% [11] - JPMorgan's forward price-to-earnings (P/E) ratio is 14.42X, compared to Truist's 11.88X, indicating JPMorgan is more expensive [14][16] - JPMorgan's return on equity (ROE) stands at 17.16%, significantly higher than Truist's 9.03%, reflecting better efficiency in generating profits [19][29] Group 4: Growth Projections - The Zacks Consensus Estimate projects JPMorgan's revenue growth of 5.1% for 2026 and 3.1% for 2027, with earnings expected to rise by 5.1% and 7.6% respectively [21][24] - For Truist, revenue growth is estimated at 4.8% for 2026 and 4.2% for 2027, with earnings projected to increase by 13.4% and 12.3% respectively [24][29]

Core Insights - Truist Financial Corporation has launched its first open banking integration, connecting with Mastercard's open finance technology to enhance consumer and small business clients' control over their financial data [1] Group 1: Open Banking Integration - The new API-based platform allows clients to securely access their financial data, promoting transparency, personalization, and control across various fintech applications [1] - Clients can connect to their preferred apps through direct connections to Mastercard's open finance platform, enabling secure, tokenized access without sharing usernames or passwords [1] Group 2: Client Empowerment - The open banking platform aims to empower clients and small business owners by providing personalized experiences and a comprehensive view of their financial health [1] - It offers secure data sharing, new opportunities for individuals with limited credit histories, and improved payment options [1] Group 3: Strategic Partnership - Truist has chosen Mastercard as its first direct API integration partner, ensuring clients have access to secure and trusted data-driven experiences [1] - The collaboration emphasizes the importance of trust and security in delivering seamless financial experiences to clients and businesses [1] Group 4: Company Overview - Truist Financial Corporation is a purpose-driven financial services company with total assets of $548 billion as of December 31, 2025, and has a strong market presence in high-growth U.S. markets [1]

Question-and-Answer SessionAnd at the risk of going off script, maybe -- so you took over the CFO role post merger a few years ago. Just give us a sense of when we think about before we get into 2026 and what the outlook looks like, just in terms of the evolution of management focus of the Truist franchise over the last couple of years, even during the time you've been CFO, if you could start there.Michael MaguireSenior EVP & CFO Sure. Yes, happy to. I think the evolution is a good way to put it, right? Bec ...

Truist Financial 2026 Conference Summary Company Overview - **Company**: Truist Financial (NYSE:TFC) - **Date**: February 11, 2026 - **Speaker**: Mike Maguire, Chief Financial Officer Key Points Company Evolution and Strategy - The management focus has evolved from a defensive posture post-merger to an offensive strategy aimed at becoming the leading regional bank in its markets [4][5] - Truist aims to accelerate earnings growth and improve profitability, with a positive company-wide attitude and momentum [6] Client Sentiment and Business Growth - Client sentiment is reported to be positive across both wholesale and consumer businesses, with indications of expansion [8] - Businesses have adapted to manage volatility effectively, leading to continued spending and saving among consumers [9][10] Financial Performance and Growth Expectations - Truist expects to achieve a 15% Return on Tangible Common Equity (ROTCE) by 2027, focusing on profitable growth and efficiency [15] - Loan growth is anticipated to be at twice the rate of the previous year, with a focus on maintaining high-quality growth [12][14] Deposit Growth Strategies - Deposit growth is a top priority, with positive momentum observed in the second half of the previous year [19] - Strategies include enhancing retail marketing, focusing on existing clients, and improving treasury management products [20][21] Net Interest Income (NII) and Margin Outlook - NII growth is expected to be driven by an improved funding mix and higher loan growth, with a target net interest margin (NIM) in the low 50s area [25][27] - The company anticipates a gradual increase in NIM, aiming for a level in the three-teens by the end of 2026 [28] Fee Income Growth - Fee income is projected to grow in the mid- to high-single digits, driven by strong performance in markets, treasury, and payments [35][36] - The wealth management segment is expected to grow faster than historical rates due to improved client engagement and service [37][38] Credit Quality and Risk Management - Truist is monitoring potential risks in commercial real estate and consumer discretionary sectors, with a cautious approach to lower-end consumer exposure [59][60] - The company feels well-reserved and does not anticipate significant changes in reserve levels in the near term [62] Regulatory Environment and Capital Management - Truist is well-positioned to adapt to evolving regulatory requirements, with a focus on capital optimization and maintaining a CET1 ratio around 10% by 2027 [33][54] - The company aims to balance organic growth, buybacks, and dividends, targeting a more sustainable payout ratio over time [54] Conclusion and Investor Takeaways - Truist is positioned to drive faster earnings growth with a clear strategic focus and confidence from leadership [66] - The company emphasizes its ability to deliver on profitability and growth targets, making it an attractive investment opportunity [66]

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Truist Financial 2026 Conference Summary Company Overview - **Company**: Truist Financial (NYSE:TFC) - **Industry**: Banking and Financial Services - **Date of Conference**: February 10, 2026 Key Points Leadership and Structure - **Leadership Journey**: Dontá Wilson, Chief Consumer and Small Banking Officer, shared his 30-year journey from intern to executive, emphasizing his experience in various banking roles, including commercial banking and corporate banking integration [6][10][18] - **Consumer and Small Business Banking Division**: This division serves 14 million clients through 1,900 branches and digital platforms, contributing 52% of the company's revenue with $212 billion in deposits [13][14] Financial Performance - **Deposit Growth**: Truist has achieved 10-year low-cost deposits, with 42% being checking accounts, and represents 43% of the balance sheet in lending [14][15] - **Premier Banking Strategy**: The premier banking segment is a major growth engine, with 60% of the deposit balance sheet from premier clients, yielding 6 times more profitability than mass retail clients [18][19] Digital Transformation - **Digital Engagement**: Truist emphasizes a digital-first approach, with 2.5 million clients signing in digitally daily. The company aims to enhance client experiences through AI-powered tools like Truist Assist and Truist Insights [25][26] - **Client Acquisition**: 40% of new clients come through digital channels, with an average age of 36 and an average income of $80,000, indicating a focus on future premier clients [27] Growth Strategies - **Performance Management**: The company is focused on performance management, accountability, and using real-time dashboards to track progress [22][24] - **Lending Portfolio**: Truist plans to dial up its consumer lending businesses, including Sheffield, Service Finance, and LightStream, which have high return on assets [48][49] Market Insights - **Consumer Behavior**: Observations indicate a K-shaped economy where upper-income consumers are spending more, while lower-income consumers face liquidity challenges. However, overall spending remains strong due to stable employment and rising wages [56][58] - **Credit Quality**: Truist has de-risked its portfolios, showing no signs of credit stress, and plans to focus on more accretive portfolios moving forward [52] Future Outlook - **2026 Priorities**: Key priorities include deepening relationships with premier clients, enhancing digital engagement, and maintaining credit discipline. The goal is to achieve a 15% Return on Tangible Common Equity (ROTCE) [63][64] - **Branch Strategy**: Truist plans to open 100 new branches in affluent markets and renovate existing branches to focus on advisory services rather than transactional banking [39][40] Conclusion - **Investor Focus**: Investors should watch for increasing client deposits, deepening relationships with premier clients, and sustained credit discipline as indicators of Truist's success in 2026 [64]