Truist Financial’s fourth quarter results were met with a positive market reaction, as management credited broad-based loan growth and increased client acquisition for the company’s performance. CEO William Rogers Jr. emphasized that investment in digital capabilities and branch enhancements helped drive strong gains in both consumer and wholesale banking. Rogers also noted, “We generated 5% growth in average consumer and small business loans and 1% growth in average deposits,” with specialty lending platforms like Sheffield, Service Finance, and LightStream contributing meaningfully to the momentum.
Is now the time to buy TFC? Find out in our full research report (it’s free for active Edge members).
Truist Financial (TFC) Q4 CY2025 Highlights:
- Revenue: $5.30 billion vs analyst estimates of $5.32 billion (3.6% year-on-year growth, in line)
- Adjusted EPS: $1.12 vs analyst estimates of $1.09 (2.5% beat)
- Adjusted Operating Income: $1.81 billion vs analyst estimates of $2.27 billion (34.1% margin, 20.5% miss)
- Market Capitalization: $64.25 billion
While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.
Our Top 5 Analyst Questions From Truist Financial’s Q4 Earnings Call
- Ryan Nash (Goldman Sachs): Asked about the sustainability of loan growth across commercial and consumer areas. CEO William Rogers Jr. explained the company is focusing on high-quality, advice-driven business, with momentum expected in wholesale and specialty consumer lending.
- John Pancari (Evercore): Inquired about achieving the 15% return on tangible common equity (ROTCE) by 2027. Rogers detailed that growth will be fueled by payments, middle market expansion, and deeper client relationships, with capital levels held steady.
- Scott Siefers (Piper Sandler): Questioned the robustness of the share repurchase plan. CFO Mike Maguire stated the company intends to trend toward a 10% capital target, pacing buybacks at around $1 billion per quarter depending on balance sheet growth and economic backdrop.
- Ebrahim Poonawala (Bank of America): Sought clarity on deposit growth and mix as lending shifts toward wholesale. Rogers highlighted momentum in both wholesale and consumer deposits, supported by new client acquisitions and treasury management products.
- Mike Mayo (Wells Fargo): Pressed on whether Truist is investing enough for growth relative to peers. Rogers responded that current investments have doubled revenue momentum, with a focus on high-return markets, digital, and branch expansion.
Catalysts in Upcoming Quarters
In the coming quarters, our analysts will track (1) the pace and quality of loan and deposit growth—particularly in commercial and specialty lending, (2) the impact of new branch openings and digital adoption on client acquisition and deposit mix, and (3) progress in treasury management and payments fee growth. The company’s ability to maintain expense discipline while scaling digital and physical channels will be important to monitor as well.
Truist Financial currently trades at $50.47, up from $49.14 just before the earnings. Is the company at an inflection point that warrants a buy or sell? The answer lies in our full research report (it’s free).
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