Truist Financial TFC
$49.38 −$0.46 (-0.92%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $49.29 -0.18%
Open$49.24
Prev close$49.84
Day range$49.16 – $50.05
Volume5.76M
Market cap$59.18B
P/E (TTM)12.7
Dividend yield4.21%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$3.75B-27.8% YoY
Net profit$799.00M-45.0% YoY
Diluted EPS$0.56-46.2% YoY
Free cash flow$1.76B+17.8% YoY
Operating cash flow$1.76B
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin25.1%
Return on equity8.4%
Return on assets0.9%
Liabilities / assets88.9%
Cash & investments$45.47B
Total debt$65.79B
Net cash (debt)-$20.32B
Free cash flow / sales31.2%
Where the revenue comes from
Quarter 2026/Q3
By business line
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $3.75B | $5.27B | $5.15B | $20.32B | $5.25B |
| Net Interest Income | $3.66B | $3.62B | $3.60B | $14.42B | $3.70B |
| -Interest Income | $6.03B | $5.97B | $5.86B | $24.54B | $6.11B |
| -Interest Expense | $2.37B | $2.35B | $2.26B | $10.12B | $2.41B |
| Non-Interest Income | $84.00M | $1.64B | $1.55B | $5.90B | $1.55B |
| -Fees and Commissions | $987.00M | $964.00M | $959.00M | $3.64B | $918.00M |
| -Investment Banking Profit | $324.00M | $352.00M | $372.00M | $1.14B | $335.00M |
| -Other Non-Interest Income | $220.00M | $328.00M | $222.00M | $1.14B | $293.00M |
| -Gain Loss on Sale of Assets | -$1.45B | $0.00 | $0.00 | -$19.00M | $0.00 |
| Credit Losses Provision | $253.00M | -$395.00M | -$479.00M | -$1.89B | -$512.00M |
| Non-Interest Expense | $3.11B | $3.06B | $2.98B | $11.79B | $2.88B |
| Occupancy and Equipment | $257.00M | $250.00M | $264.00M | $1.06B | $266.00M |
| Professional Expense and Contract Services Expense | $365.00M | $335.00M | $313.00M | $1.42B | $337.00M |
| Selling and Admin Expenses | $1.94B | $1.88B | $1.81B | $7.15B | $1.88B |
| -Selling & Marketing Expense | $83.00M | $91.00M | $79.00M | $299.00M | $63.00M |
| -General & Admin Expense | $1.85B | $1.79B | $1.73B | $6.85B | $1.82B |
| Depreciation & Amortization & Depletion | $62.00M | $63.00M | $64.00M | $290.00M | $70.00M |
| -Depreciation & Amortization | $62.00M | $63.00M | $64.00M | $290.00M | $70.00M |
| Other Non-Interest Expenses | $485.00M | $524.00M | $536.00M | $1.87B | $330.00M |
| Pretax Profit | $895.00M | $1.82B | $1.69B | $6.35B | $1.56B |
| Tax | $96.00M | $262.00M | $209.00M | $1.04B | $210.00M |
| Net Profit | $799.00M | $1.55B | $1.48B | $5.31B | $1.35B |
| Profit from Continuing Operations | $799.00M | $1.55B | $1.48B | $5.31B | $1.35B |
| Net Income to Parent Company | $799.00M | $1.55B | $1.48B | $5.31B | $1.35B |
| Preferred Stock Dividends | $115.00M | $34.00M | $104.00M | $333.00M | $65.00M |
| Net Income to Common Stockholders | $684.00M | $1.52B | $1.38B | $4.97B | $1.29B |
| Basic EPS | $0.57 | $1.24 | $1.10 | $3.87 | $1.02 |
| Diluted EPS | $0.56 | $1.23 | $1.09 | $3.82 | $1.00 |
| Dividend Per Share | $0.52 | $0.52 | $0.52 | $2.08 | $0.52 |
| Other Income (Expense) | – | – | – | -$286.00M | -$193.00M |
| Special Income (Charges) | – | – | – | -$286.00M | -$193.00M |
| -Less:Restructuring and Mergern & Acquisition | – | – | – | $156.00M | $63.00M |
| -Less:Impairment of Capital Assets | – | – | – | $0.00 | – |
| -Less:Other Special Charges | – | – | – | $130.00M | – |
| Net Income from Discontinuous Operations | – | – | – | $0.00 | $0.00 |
| Minority Interests | – | – | – | $0.00 | $0.00 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $554.20B | $556.02B | $548.98B | $547.54B | $547.54B |
| Cash, Cash Equivalents & Federal Funds Sold | $49.38B | $43.72B | $40.24B | $39.58B | $39.58B |
| -Cash and Cash Equivalents | $45.47B | $39.29B | $36.20B | $36.38B | $36.38B |
| -Money Market Investments | $3.90B | $4.43B | $4.05B | $3.20B | $3.20B |
| Securities Investment | $113.72B | $117.36B | $114.98B | $115.85B | $115.85B |
| -Trading Securities | $3.53B | $3.36B | $3.11B | $3.62B | $3.62B |
| -Available for Sale Securities | $57.03B | $63.01B | $60.69B | $60.28B | $60.28B |
| -Held to Maturity Securities | $48.67B | $46.35B | $46.44B | $47.19B | $47.19B |
| -Short Term Investments | $4.49B | $4.64B | $4.75B | $4.76B | $4.76B |
| Derivative Assets | $1.96B | $1.46B | $1.37B | $1.34B | $1.34B |
| Net Loan | $323.12B | $329.22B | $328.51B | $327.62B | $327.62B |
| -Gross Loan | $327.18B | $334.20B | $333.54B | $332.65B | $332.65B |
| -Allowance for Loans and Lease Losses | $4.06B | $4.98B | $5.03B | $5.03B | $5.03B |
| Receivables | $14.39B | $14.44B | $14.31B | $13.53B | $13.53B |
| -Accounts Receivable | $1.75B | $1.67B | $2.12B | $1.62B | $1.62B |
| -Other Receivables | $12.64B | $12.77B | $12.19B | $11.91B | $11.91B |
| Net PPE | $5.09B | $5.22B | $5.46B | $5.58B | $5.58B |
| -Gross PPE | $5.09B | $5.22B | $5.46B | $8.25B | $8.25B |
| Goodwill and Other Intangible Assets | $23.26B | $22.55B | $22.43B | $22.35B | $22.35B |
| -Goodwill | $17.13B | $17.13B | $17.13B | $17.13B | $17.13B |
| -Other Intangible Assets | $6.13B | $5.42B | $5.30B | $5.23B | $5.23B |
| Prepaid Assets | $1.19B | $1.18B | $1.08B | $1.08B | $1.08B |
| Bank-Owned Life Insurance | $8.71B | $8.63B | $8.57B | $8.52B | $8.52B |
| Federal Home Loan Bank Stock | $1.40B | $1.34B | $1.45B | $1.52B | $1.52B |
| Defined Pension Benefit | $8.15B | $8.09B | $8.01B | $7.92B | $7.92B |
| Deferred Assets | $2.80B | $1.79B | $1.42B | $1.51B | $1.51B |
| Other Assets | $1.05B | $1.04B | $1.16B | $1.15B | $1.15B |
| Total Liabilities | $492.72B | $491.93B | $484.76B | $482.35B | $482.35B |
| Total Deposits | $413.23B | $409.38B | $404.08B | $400.40B | $400.40B |
| Short-Term Debt and Capital Lease Obligation | $12.42B | $26.89B | $27.44B | $22.34B | $22.34B |
| -Current Debt | $12.42B | $26.89B | $27.44B | $22.34B | $22.34B |
| Long Term Debt and Capital Lease Obligation | $53.37B | $42.98B | $41.62B | $41.96B | $41.96B |
| -Long Term Debt | $53.37B | $42.98B | $41.62B | $41.96B | $41.96B |
| Other Liabilities | $13.70B | $12.69B | $11.62B | $12.15B | $12.15B |
| Total Equity | $61.47B | $64.10B | $64.21B | $65.19B | $65.19B |
| Stockholders' Equity | $61.47B | $64.10B | $64.21B | $65.19B | $65.19B |
| Capital Stock | $11.40B | $11.52B | $11.15B | $11.23B | $11.23B |
| -Common Stock | $5.99B | $6.11B | $6.23B | $6.31B | $6.31B |
| -Preferred Stock | $5.41B | $5.41B | $4.92B | $4.92B | $4.92B |
| Additional Paid-In Capital | $30.61B | $31.62B | $32.61B | $33.66B | $33.66B |
| Retained Earnings | $27.73B | $27.68B | $26.80B | $26.07B | $26.07B |
| Gains/Losses Not Affecting Retained Earnings | -$8.27B | -$6.72B | -$6.34B | -$5.77B | -$5.77B |
| -Accumulated Depreciation | – | – | – | -$2.67B | -$2.67B |
| Federal Funds Purchased and Securities Sold Under Agreement to Repurchase | – | – | – | $3.10B | $3.10B |
| Derivative Product Liabilities | – | – | – | $2.19B | $2.19B |
| Trading Liabilities | – | – | – | $209.00M | $209.00M |
| Minority Interests | – | – | – | $0.00 | $0.00 |
Cash flow
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Operating Cash Flow | $1.76B | $1.04B | $679.00M | $5.74B | $2.58B |
| Net cash flow from continuing operations | $1.76B | $1.04B | $679.00M | $5.74B | $2.58B |
| Net Income from Continuing Operations | $799.00M | $1.55B | $1.48B | $5.31B | $1.35B |
| Gain/Loss from Continuing Operations | $1.49B | -$402.00M | -$203.00M | $19.00M | $142.00M |
| Depreciation & Depletion & Amortization | $181.00M | $191.00M | $193.00M | $837.00M | $203.00M |
| Other Non-Cash Items | -$1.16B | -$507.00M | -$388.00M | $532.00M | $103.00M |
| Change in Working Capital | $703.00M | -$191.00M | -$883.00M | -$2.85B | $268.00M |
| -Change in Loans | $928.00M | -$299.00M | -$277.00M | -$389.00M | $189.00M |
| -Change in Other Current Assets | -$60.00M | -$84.00M | -$85.00M | -$949.00M | -$780.00M |
| -Change in Other Working Capital | -$165.00M | $192.00M | -$521.00M | -$1.51B | $859.00M |
| Net cash flow from investing | $5.77B | -$2.87B | -$1.94B | -$17.76B | -$4.79B |
| Net Cash Flow from Continuing Investing Activities | $5.77B | -$2.87B | -$1.94B | -$17.76B | -$4.79B |
| Net Investment Purchase and Sale | $618.00M | -$1.49B | $94.00M | $8.45B | $1.72B |
| Net Income from Loans | $4.45B | -$1.02B | -$1.18B | -$24.06B | -$5.30B |
| Net Other Investing Changes | $175.00M | $15.00M | -$1.00M | -$1.51B | -$993.00M |
| Financing Cash Flow | -$1.35B | $4.92B | $1.08B | $8.63B | $1.74B |
| Net Cash Flow from Continuing Financing Activities | -$1.35B | $4.92B | $1.08B | $8.63B | $1.74B |
| Increase/Decrease in Deposit | $3.85B | $5.30B | $3.68B | $9.87B | $5.49B |
| Net Issuance Payments of Debt | -$3.26B | $1.04B | -$648.00M | $5.33B | -$1.28B |
| Net Common Stock Issuance | -$1.20B | -$1.20B | -$1.13B | -$2.50B | -$750.00M |
| Net Preferred Stock Issuance | $0.00 | – | – | -$1.00B | -$1.00B |
| Cash Dividends Paid | -$744.00M | -$670.00M | -$749.00M | -$3.00B | -$714.00M |
| Net Other Financing Activities | -$5.00M | -$38.00M | -$74.00M | -$71.00M | -$13.00M |
| Ending Cash Balance | $45.47B | $39.29B | $36.20B | $36.38B | $36.38B |
| Net Change in Cash | $6.18B | $3.09B | -$180.00M | -$3.39B | -$475.00M |
| Beginning Cash Balance | $39.29B | $36.20B | $36.38B | $39.77B | $36.85B |
| Free Cash Flow | $1.76B | $1.04B | $679.00M | $5.74B | $2.58B |
| Net Business Purchase and Sale | – | – | – | $0.00 | $0.00 |
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