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TFC-PI

Truist Financial Corporation

TFC-PI

Truist Financial Corporation • NYSE
$20.46 ▲ 1.54% (+0.31)
Market Cap $26.58 B
52w High $24.23
52w Low $20.01
Dividend Yield 1.28%
P/E 4.56
Volume 13.15K
Outstanding Shares 1.30B

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $7.173B ▼ $2.689B ▼ $1.297B ▲ 18.082% ▲ $1.05 ▲ $1.555B ▼
Q2-2025 $7.554B ▲ $2.986B ▲ $1.24B ▼ 16.415% ▼ $0.91 ▲ $1.725B ▼
Q1-2025 $7.38B ▼ $2.906B ▼ $1.261B ▼ 17.087% ▲ $0.88 ▼ $1.755B ▼
Q4-2024 $7.649B ▼ $3.035B ▲ $1.276B ▼ 16.682% ▼ $0.92 ▼ $1.791B ▼
Q3-2024 $7.835B $2.927B $1.442B 18.405% $1 $1.939B

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $42.583B ▼ $543.851B ▲ $478.205B ▼ $65.646B ▲
Q2-2025 $45.855B ▼ $543.833B ▲ $478.993B ▲ $64.84B ▲
Q1-2025 $46.468B ▲ $535.899B ▲ $471.264B ▲ $64.635B ▲
Q4-2024 $44.323B ▲ $531.176B ▲ $467.497B ▲ $63.679B ▼
Q3-2024 $43.741B $523.434B $457.738B $65.696B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $1.452B ▲ $1.265B ▲ $-16.295B ▼ $19.631B ▲ $4.601B ▲ $1.265B ▲
Q2-2025 $1.24B ▼ $914M ▲ $-7.705B ▼ $6.071B ▲ $-720M ▼ $914M ▲
Q1-2025 $1.261B ▼ $746M ▼ $-1.631B ▲ $3.288B ▼ $2.403B ▲ $746M ▼
Q4-2024 $1.276B ▼ $775M ▼ $-7.96B ▼ $7.313B ▲ $128M ▲ $775M ▼
Q3-2024 $1.442B $1.534B $-3.494B $721M $-1.239B $1.534B

Five-Year Company Overview

Income Statement

Income Statement Truist’s revenue has bounced around over the past few years, with a noticeable step down most recently compared with its peak. Profitability has been volatile: the bank moved from healthy profits in 2021–2022, to a loss in 2023, and back to profit in 2024. However, underlying operating results have been under pressure, with weaker core earnings than earlier in the period. This suggests the franchise is still sound but dealing with margin compression, credit costs, and merger- and restructuring-related effects. Overall, earnings power is intact but clearly going through a tougher, more volatile phase than a few years ago.

Balance Sheet

Balance Sheet The balance sheet is large and relatively stable, with total assets holding in a narrow range over the last five years. Cash and liquid assets have grown, which supports flexibility and resilience. Debt levels are significant but not out of line for a major regional bank, and shareholder equity remains solid, though slightly lower than just after the merger years. In simple terms, Truist still looks like a well-capitalized, fully scaled regional bank, but it is also meaningfully leveraged, so asset quality and risk management remain critical watchpoints.

Cash Flow

Cash Flow Truist’s cash generation from its core operations has been consistently positive, but it has weakened in the most recent year compared with earlier periods. Free cash flow has closely tracked operating cash flow, as the bank has kept capital spending modest. This pattern points to generally sound cash discipline, but the recent dip in operating cash flow mirrors the pressure seen in earnings. The bank still produces cash, yet the cushion is thinner than during its stronger years, leaving less room for error if conditions worsen.

Competitive Edge

Competitive Edge Truist holds a strong regional position, especially across the Southeast and Mid-Atlantic, with a broad mix of businesses spanning consumer banking, commercial banking, wealth, capital markets, and insurance. This diversification helps cushion downturns in any one area. Its scale, brand recognition, and entrenched branch presence create meaningful barriers to entry in its core markets. At the same time, it faces intense competition from national money-center banks, other large regionals, credit unions, and fintechs. Regulatory scrutiny for large banks adds another layer of complexity. Overall, Truist’s footprint and product breadth provide a solid competitive base, but the bank operates in a crowded and highly regulated arena where execution quality really matters.

Innovation and R&D

Innovation and R&D Truist is leaning heavily into technology and digital innovation as a core part of its strategy. The Innovation and Technology Center, the unified digital platform created after the BB&T–SunTrust merger, and tools like Truist Assist and Truist One View reflect a clear push to modernize client interactions and back-office processes. AI-driven capabilities—such as chatbots, fraud detection, and client sentiment analysis—are being used to personalize services and cut costs. Products like LightStream and enhanced premier banking offerings help differentiate the franchise. The opportunity is to convert these investments into faster growth and better efficiency; the risk is that costs run ahead of benefits, or that competitors move just as quickly.

Summary

Truist today looks like a mature, large regional bank with solid capital and liquidity, but facing earnings pressure and greater volatility than in its stronger years. Revenue has softened from prior highs, and profitability has been choppier, though the bank returned to positive net income after a loss year. Cash flows remain positive but less robust, echoing the strain on core operations. On the strategic side, Truist has real strengths: a leading position in attractive growth markets, a diversified business mix, and a serious commitment to digital innovation and client-centric design. The key questions going forward are whether management can translate its technology investments and regional scale into steadier, higher-quality earnings, and how well it can navigate credit, interest-rate, and competitive pressures in a challenging banking environment.