Truist Financial (TFC) Reports Q4 Earnings: What Key Metrics Have to Say

Core Insights - Truist Financial Corporation reported revenue of $5.25 billion for the quarter ended December 2025, reflecting a year-over-year increase of 3.7% [1] - The earnings per share (EPS) for the quarter was $1.12, up from $0.91 in the same quarter last year, surpassing the consensus estimate of $1.09 by 2.41% [1] Financial Performance Metrics - Net interest margin was reported at 3.1%, exceeding the average estimate of 3% by six analysts [4] - Total nonperforming assets amounted to $1.63 billion, lower than the average estimate of $1.87 billion based on five analysts [4] - Net charge-offs as a percentage of average loans and leases were 0.6%, matching the average estimate [4] - Book Value Per Share (BVPS) was $47.74, slightly above the estimated $47.43 [4] - Average balance of total earning assets was $484.6 billion, below the estimated $490.36 billion [4] - The efficiency ratio-unadjusted was 60.4%, higher than the average estimate of 56.1% [4] - Total nonaccrual loans and leases were reported at $1.58 billion, lower than the average estimate of $1.87 billion [4] - Tier 1 Leverage Ratio was 10%, slightly below the estimated 10.1% [4] - Tier 1 Capital Ratio was 11.9%, below the average estimate of 12.3% [4] - Total Capital Ratio was 13.8%, lower than the estimated 14.4% [4] - Total Noninterest Income was $1.55 billion, slightly below the average estimate of $1.57 billion [4] - Net interest income (FTE) was reported at $3.75 billion, matching the average estimate [4] Stock Performance - Truist Financial's shares have returned -2.7% over the past month, compared to a -0.4% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]