Compared to Estimates, Truist Financial (TFC) Q2 Earnings: A Look at Key Metrics

Core Insights - Truist Financial Corporation reported revenue of $4.99 billion for the quarter ended June 2025, reflecting a year-over-year increase of 0.4% and a slight revenue surprise of +0.1% over the Zacks Consensus Estimate of $4.98 billion [1] - The earnings per share (EPS) remained unchanged at $0.91 compared to the same quarter last year, with an EPS surprise of -1.09% against the consensus estimate of $0.92 [1] Financial Performance Metrics - Net interest margin was reported at 3%, aligning with the average estimate from six analysts [4] - Total nonperforming assets amounted to $1.32 billion, which is lower than the average estimate of $1.63 billion from five analysts [4] - Net charge-offs as a percentage of average loans and leases were 0.5%, better than the estimated 0.6% from five analysts [4] - Book Value Per Share (BVPS) was $45.70, exceeding the average estimate of $45.30 from five analysts [4] - Average balance of total earning assets reached $480.98 billion, surpassing the average estimate of $478.38 billion from five analysts [4] - Efficiency Ratio was reported at 59.9%, higher than the average estimate of 58.3% from four analysts [4] - Total nonaccrual loans and leases were $1.26 billion, below the average estimate of $1.56 billion from four analysts [4] - Tier 1 Leverage Ratio stood at 10.2%, slightly below the average estimate of 10.3% from three analysts [4] - Tier 1 Capital Ratio was reported at 12.3%, lower than the average estimate of 12.7% from three analysts [4] - Total Capital Ratio was 14.3%, compared to the average estimate of 14.9% from two analysts [4] - Total Noninterest Income was $1.4 billion, marginally below the average estimate of $1.41 billion from six analysts [4] - Net interest income (FTE) was reported at $3.64 billion, slightly above the average estimate of $3.63 billion from five analysts [4] Stock Performance - Truist Financial's shares have returned +13.1% over the past month, outperforming the Zacks S&P 500 composite's +5.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]