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TFC-PR

Truist Financial Corporation

TFC-PR

Truist Financial Corporation • NYSE
$19.03 ▼ -0.47% (-0.09)
Market Cap $24.72 B
52w High $21.18
52w Low $18.41
Dividend Yield 1.19%
P/E 4.25
Volume 37.19K
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 been fairly steady over the past few years, but the quality of its earnings has clearly come under pressure. After strong profitability earlier in the period, operating results recently slipped into loss territory, which signals higher costs, margin pressure, or credit and restructuring impacts weighing on core banking income. Even so, the company returned to a solid overall profit in the most recent year after a rare loss, showing resilience and the ability to absorb shocks. The pattern overall suggests a bank that still has meaningful earning power, but one that is working through a tougher profitability phase than it enjoyed just a few years ago.

Balance Sheet

Balance Sheet The balance sheet looks large, stable, and broadly steady over time. Total assets have hovered in a relatively narrow range, which implies the bank is not aggressively shrinking or expanding its footprint. Cash levels have grown compared with earlier years, giving Truist more flexibility and liquidity. Debt has stayed fairly consistent, and shareholders’ equity has held up reasonably well, dipping at times but not showing signs of structural erosion. Overall, the picture is of a sizable regional bank with a generally solid capital base, though not without the usual sensitivity to the broader interest rate and credit environment.

Cash Flow

Cash Flow Cash generation has been positive throughout the period, but it has become more volatile. A couple of years ago, operating cash flow was very strong; more recently it has stepped down noticeably, mirroring the pressure seen in earnings. Free cash flow broadly tracks operating cash flow, as Truist does not spend heavily on traditional physical capital investments. This lighter investment need is typical for a bank, but the swings in cash inflow underline that Truist’s cash strength depends heavily on the same forces affecting its income statement: funding costs, loan demand, credit quality, and integration or restructuring actions.

Competitive Edge

Competitive Edge Truist is one of the larger U.S. regional banks, with strong positions in fast‑growing southeastern markets and a broad mix of businesses. It stands out by combining bread‑and‑butter banking with a sizable insurance brokerage arm, which provides fee income that does not depend directly on interest rates. The bank benefits from scale, brand recognition, and deep relationships across retail, commercial, and wealth clients. Its “touch plus technology” strategy is aimed at blending personal service with modern digital tools, which can be a differentiator versus both smaller community banks and purely digital competitors. That said, Truist still competes in a crowded space against national money‑center banks and nimble fintechs, so ongoing execution on technology and client service is critical.

Innovation and R&D

Innovation and R&D While Truist does not do classic laboratory-style R&D, it invests heavily in technology and digital innovation. The company’s T3 strategy focuses on combining human advice with strong mobile and online experiences. It has been consolidating legacy systems from the BB&T and SunTrust merger into unified platforms, while using data analytics and artificial intelligence to personalize insights and product offers. The bank is active in open banking and API connections, allowing customers to link with third‑party fintech apps, and it continues to build out digital lending (through platforms like LightStream), real‑time payments capabilities, and fintech partnerships. These efforts are meant to deepen customer relationships, lower operating costs, and keep Truist relevant as banking increasingly moves online.

Summary

Putting it all together, Truist is a large, diversified regional bank that has moved from a period of strong, stable profitability into a more challenging phase marked by thinner margins and lower operating earnings, yet with a return to overall profitability in the most recent year. Its balance sheet appears broadly sound and stable, with ample assets, growing liquidity, and a generally steady equity base, while cash flows remain positive but more uneven than before. Competitively, Truist benefits from scale, a strong southeastern footprint, a valuable insurance business, and a clear focus on digital transformation. Its ongoing technology and innovation investments are aimed at reinforcing this position but also introduce execution risk, especially as it finishes integrating systems and navigates interest rate and credit cycles. For stakeholders in TFC-PR, the key themes to watch are Truist’s ability to restore and sustain healthier operating profitability, maintain strong capital and liquidity, and continue turning its digital and innovation strategy into durable, more predictable earnings.