Truist Financial Q4 Earnings Call Highlights

Financial Performance - Truist Financial reported fourth-quarter 2025 net income of $1.3 billion, or $1.00 per diluted share, and full-year 2025 net income of $5.0 billion, or $3.82 per diluted share [1] - The company aims for a 15% return on tangible common equity (ROTCE) by 2027 and targets 14% ROTCE for 2026 [2] Charges and Expenses - The fourth-quarter results included a $130 million charge, or $0.08 per share after tax, related to a settlement agreement, along with additional charges totaling $0.12 per share for the quarter and $0.18 per share for the year [3] - GAAP non-interest expense increased by 5.2% sequentially, primarily due to legal accrual and higher personnel expenses, although excluding these factors, non-interest expense declined by about 0.3% from the prior quarter [4] Business Segment Performance - Consumer and small business loans grew by 5% on average, with average deposits increasing by 1%, supported by indirect auto and specialty lending platforms [5] - Truist added 77,000 new digital clients in the fourth quarter, a 10% year-over-year increase, and reported a full-year digital production growth of 9% [6]