Truist Financial (NYSE:TFC) Q4 2025 Earnings call January 21, 2026 08:00 AM ET Speaker0Greetings, ladies and gentlemen, and welcome to the Truist Financial Corporation Fourth Quarter 2025 Earnings Conference Call. Currently, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. As a reminder, this event is being recorded. It is now my pleasure to introduce your host, Mr. Brad Milsaps.Speaker1Thank you, Betsy, and good morning, everyone. Welcome ...

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Earnings Conference Call Bill Rogers – Chairman & CEO Fourth Quarter 2025 Earnings Conference Call Mike Maguire – CFO Bill Rogers - Chairman & CEO Mike Maguire - CFO January 21, 2026 January 21, 2026 Fourth Quarter 2024 Forward-looking statements From time to time we have made, and in the future will make, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or curr ...

Core Viewpoint - Truist Financial reported an increase in fourth-quarter profit, driven by higher interest income and fees from its investment banking operations [1] Group 1 - The rise in profit for Truist Financial was attributed to increased interest income [1] - Fees from investment banking businesses also contributed to the profit growth [1]

https://files.reportify.cc/media/production/TFC450e991246bbf219b97e99ad13c9be95.jpg Quarterly Performance Summary Truist Financial Corporation Fourth Quarter 2025 Ta b l e o f C o n t e n t s Q u a r t e rly P e rfo r m a n c e S u m m a r y T r uis t Fin a n cial C o r p o r a tio n | | | | | | | | | | | | | | | | | P a g e | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Fin | a | n | cial | | | Hig | | hlig ...

Core Viewpoint - Truist Financial Corporation reported its fourth quarter 2025 results, highlighting its financial performance and providing access to earnings call details for investors [1]. Group 1: Company Overview - Truist Financial Corporation is a purpose-driven financial services company focused on inspiring and building better lives and communities [2]. - The company is headquartered in Charlotte, North Carolina, and holds a leading market share in many high-growth markets in the U.S. [2]. - As of December 31, 2025, Truist has total assets of $548 billion, positioning it as a top-10 commercial bank [2]. Group 2: Services Offered - Truist offers a wide range of products and services through its wholesale and consumer businesses, including consumer and small business banking, commercial and corporate banking, investment banking and capital markets, wealth management, payments, and specialized lending [2].

Core Viewpoint - Truist Financial Corporation (TFC) is expected to report strong quarterly earnings, with significant year-over-year growth in earnings per share (EPS) and revenue, indicating positive market sentiment and growth prospects for the company [1][2][6] Financial Performance - TFC is projected to report EPS of $1.09 and revenue of approximately $5.32 billion for the upcoming quarter [1][6] - The anticipated EPS represents a 19.8% increase compared to the same period last year, driven by a 4.1% year-over-year revenue increase [2][6] - The consensus EPS estimate has been revised upward by 0.7% over the past 30 days, reflecting positive analyst sentiment [2][6] Income and Revenue Growth - TFC's net interest income (NII) is expected to rise by 3.2%, attributed to strong loan demand and reduced deposit costs [3] - Non-interest income is projected to grow by 6.5%, supported by stronger fee income across various segments [3] - Adjusted fourth-quarter revenues are anticipated to see a sequential growth of 1-2% [3] Loan Portfolio and Asset Growth - TFC's loan portfolio shows promising trends, with commercial and industrial loans comprising nearly half of total loans and leases [4] - Consumer loan demand, accounting for about 40% of total loans, remains solid [4] - The Zacks Consensus Estimate for TFC's average earning assets is set at $490.4 billion, reflecting a 3.7% increase [4] Market Valuation Metrics - TFC has a price-to-earnings (P/E) ratio of approximately 12.29 and a price-to-sales ratio of about 2.11 [5] - The enterprise value to sales ratio is around 3.23, while the enterprise value to operating cash flow ratio is approximately 25.01 [5] - Despite a debt-to-equity ratio of about 1.08, the current ratio is low at approximately 0.13, indicating potential liquidity concerns [5]

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Core Viewpoint - Truist Financial (TFC) is expected to report strong fourth-quarter and full-year 2025 results, driven by solid lending demand and net interest income (NII) growth despite recent Federal Reserve interest rate cuts [1][3][10]. Lending and Income Estimates - Demand for commercial and industrial (C&I) loans, which make up nearly 50% of TFC's total loans, was decent in the quarter, alongside solid consumer loan demand, which accounts for almost 40% [2]. - The Zacks Consensus Estimate for TFC's average earning assets is $490.4 billion, reflecting a 3.7% increase from the prior year [2]. - NII is projected to rise by 3.2% to $3.71 billion, supported by robust loan demand and lower deposit costs [3][10]. Non-Interest Income - The Zacks Consensus Estimate for non-interest income is $1.57 billion, indicating a 6.5% rise year-over-year, with significant contributions from various fee income segments [8][10]. - Service charges on deposits are estimated at $240.9 million, a 1.7% increase, while card and payment-related fees are expected to reach $231.1 million, showing marginal growth [5]. - Investment banking and trading income is projected to be $323.8 million, reflecting a year-over-year increase of 23.6% [7]. Mortgage Banking and Expenses - Mortgage banking income is expected to rise to $117.4 million, slightly up from the previous year, due to declining mortgage rates and decent refinancing activity [6]. - Non-interest expenses are anticipated to continue rising due to technology investments and inflationary pressures, with management expecting adjusted expenses to remain stable sequentially [9]. Asset Quality and Earnings Outlook - The consensus estimate for total non-accrual loans and leases is $1.87 billion, indicating a 30.6% year-over-year increase, while total non-performing assets are also expected to rise by 26.6% to $1.87 billion [11]. - The Zacks Consensus Estimate for TFC's earnings is $1.09 per share, reflecting a growth of 19.8% from the previous year, with sales projected at $5.27 billion, a 4.1% increase [14][15]. 2025 Outlook - Management anticipates revenue growth of 1.5-2.5% from adjusted revenues of $20.1 billion in 2024, with adjusted expenses expected to increase by about 1% [16].

Economic Policy and Market Impact - President Trump's upcoming speech is expected to outline economic priorities and policy initiatives, with a focus on tax policy changes, infrastructure spending, regulatory approaches, and trade policy, particularly regarding China [1][2] - The speech's timing amid earnings season and critical economic data releases creates a complex backdrop for market reactions, as political rhetoric and corporate results will compete for investor attention [1][2] Economic Data Releases - Thursday will see a significant convergence of economic data, including the Q3 GDP revision and the November Core PCE Price Index, both released at 8:30am, which could lead to market volatility as investors assess growth and inflation data simultaneously [4] - The GDP revision will provide insights into consumer spending, business investment, and net exports, while the Core PCE Price Index will be crucial for understanding inflation trends [4] Company Earnings Insights - Netflix's earnings report will be critical for understanding the streaming industry's economics, including subscriber growth sustainability and content investment returns, especially in light of competition from platforms like Disney+ and Amazon Prime Video [5] - Intel's earnings will be a key indicator of its manufacturing transformation and competitive positioning in the semiconductor market, while GE Aerospace's results will provide insights into commercial aviation demand and defense spending trends [7] - Johnson & Johnson's earnings will offer perspectives on pharmaceutical demand and healthcare spending trends, while Procter & Gamble's results will assess consumer resilience in personal care and household products [8]