Truist金融 TFC
$49.38 −$0.46 (-0.92%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $49.29 -0.18%
开盘$49.24
昨收$49.84
当日区间$49.16 – $50.05
成交量5.76M
市值$59.18B
市盈率（TTM）12.7
股息率4.21%
基本面
最新报告季度：Q3, ended Sep 2026
营收$3.75B-27.8% YoY
净利润$799.00M-45.0% YoY
摊薄每股收益$0.56-46.2% YoY
自由现金流$1.76B+17.8% YoY
经营现金流$1.76B
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率25.1%
净资产收益率8.4%
资产收益率0.9%
负债/资产比率88.9%
现金及投资$45.47B
总负债$65.79B
净现金（净负债）-$20.32B
自由现金流/营收31.2%
营收构成
2026/Q3 季度
按业务线
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $3.75B | $5.27B | $5.15B | $20.32B | $5.25B |
| 净利息收入 | $3.66B | $3.62B | $3.60B | $14.42B | $3.70B |
| -利息收入 | $6.03B | $5.97B | $5.86B | $24.54B | $6.11B |
| -利息支出 | $2.37B | $2.35B | $2.26B | $10.12B | $2.41B |
| 非利息收入 | $84.00M | $1.64B | $1.55B | $5.90B | $1.55B |
| -手续费及佣金 | $987.00M | $964.00M | $959.00M | $3.64B | $918.00M |
| -投资银行业务利润 | $324.00M | $352.00M | $372.00M | $1.14B | $335.00M |
| -其他非利息收入 | $220.00M | $328.00M | $222.00M | $1.14B | $293.00M |
| -资产出售损益 | -$1.45B | $0.00 | $0.00 | -$19.00M | $0.00 |
| 信用损失准备 | $253.00M | -$395.00M | -$479.00M | -$1.89B | -$512.00M |
| 非利息支出 | $3.11B | $3.06B | $2.98B | $11.79B | $2.88B |
| 物业及设备费用 | $257.00M | $250.00M | $264.00M | $1.06B | $266.00M |
| 专业及外包服务费用 | $365.00M | $335.00M | $313.00M | $1.42B | $337.00M |
| 销售及管理费用 | $1.94B | $1.88B | $1.81B | $7.15B | $1.88B |
| -销售及营销费用 | $83.00M | $91.00M | $79.00M | $299.00M | $63.00M |
| -管理费用 | $1.85B | $1.79B | $1.73B | $6.85B | $1.82B |
| 折旧、摊销与折耗 | $62.00M | $63.00M | $64.00M | $290.00M | $70.00M |
| -折旧与摊销 | $62.00M | $63.00M | $64.00M | $290.00M | $70.00M |
| 其他非利息支出 | $485.00M | $524.00M | $536.00M | $1.87B | $330.00M |
| 税前利润 | $895.00M | $1.82B | $1.69B | $6.35B | $1.56B |
| 税费 | $96.00M | $262.00M | $209.00M | $1.04B | $210.00M |
| 净利润 | $799.00M | $1.55B | $1.48B | $5.31B | $1.35B |
| 持续经营利润 | $799.00M | $1.55B | $1.48B | $5.31B | $1.35B |
| 归属母公司净利润 | $799.00M | $1.55B | $1.48B | $5.31B | $1.35B |
| 优先股股息 | $115.00M | $34.00M | $104.00M | $333.00M | $65.00M |
| 归属普通股股东净利润 | $684.00M | $1.52B | $1.38B | $4.97B | $1.29B |
| 基本每股收益 | $0.57 | $1.24 | $1.10 | $3.87 | $1.02 |
| 摊薄每股收益 | $0.56 | $1.23 | $1.09 | $3.82 | $1.00 |
| 每股股息 | $0.52 | $0.52 | $0.52 | $2.08 | $0.52 |
| 其他收入（支出） | – | – | – | -$286.00M | -$193.00M |
| 特殊收益（费用） | – | – | – | -$286.00M | -$193.00M |
| -减：重组及并购费用 | – | – | – | $156.00M | $63.00M |
| -减：资本性资产减值 | – | – | – | $0.00 | – |
| -减：其他特殊支出 | – | – | – | $130.00M | – |
| 终止经营净利润 | – | – | – | $0.00 | $0.00 |
| 少数股东权益 | – | – | – | $0.00 | $0.00 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $554.20B | $556.02B | $548.98B | $547.54B | $547.54B |
| 现金、现金等价物及联邦基金出售 | $49.38B | $43.72B | $40.24B | $39.58B | $39.58B |
| -现金及现金等价物 | $45.47B | $39.29B | $36.20B | $36.38B | $36.38B |
| -货币市场投资 | $3.90B | $4.43B | $4.05B | $3.20B | $3.20B |
| 证券投资 | $113.72B | $117.36B | $114.98B | $115.85B | $115.85B |
| -交易性证券 | $3.53B | $3.36B | $3.11B | $3.62B | $3.62B |
| -可供出售证券 | $57.03B | $63.01B | $60.69B | $60.28B | $60.28B |
| -持有至到期证券 | $48.67B | $46.35B | $46.44B | $47.19B | $47.19B |
| -短期投资 | $4.49B | $4.64B | $4.75B | $4.76B | $4.76B |
| 衍生资产 | $1.96B | $1.46B | $1.37B | $1.34B | $1.34B |
| 贷款净额 | $323.12B | $329.22B | $328.51B | $327.62B | $327.62B |
| -贷款总额 | $327.18B | $334.20B | $333.54B | $332.65B | $332.65B |
| -贷款及租赁损失准备 | $4.06B | $4.98B | $5.03B | $5.03B | $5.03B |
| 应收款 | $14.39B | $14.44B | $14.31B | $13.53B | $13.53B |
| -应收账款 | $1.75B | $1.67B | $2.12B | $1.62B | $1.62B |
| -其他应收款 | $12.64B | $12.77B | $12.19B | $11.91B | $11.91B |
| 固定资产净值 | $5.09B | $5.22B | $5.46B | $5.58B | $5.58B |
| -固定资产原值 | $5.09B | $5.22B | $5.46B | $8.25B | $8.25B |
| 商誉及其他无形资产 | $23.26B | $22.55B | $22.43B | $22.35B | $22.35B |
| -商誉 | $17.13B | $17.13B | $17.13B | $17.13B | $17.13B |
| -其他无形资产 | $6.13B | $5.42B | $5.30B | $5.23B | $5.23B |
| 预付资产 | $1.19B | $1.18B | $1.08B | $1.08B | $1.08B |
| 银行持有的寿险资产 | $8.71B | $8.63B | $8.57B | $8.52B | $8.52B |
| 联邦住房贷款银行股票 | $1.40B | $1.34B | $1.45B | $1.52B | $1.52B |
| 设定受益养老金 | $8.15B | $8.09B | $8.01B | $7.92B | $7.92B |
| 递延资产 | $2.80B | $1.79B | $1.42B | $1.51B | $1.51B |
| 其他资产 | $1.05B | $1.04B | $1.16B | $1.15B | $1.15B |
| 负债合计 | $492.72B | $491.93B | $484.76B | $482.35B | $482.35B |
| 存款合计 | $413.23B | $409.38B | $404.08B | $400.40B | $400.40B |
| 短期债务及融资租赁负债 | $12.42B | $26.89B | $27.44B | $22.34B | $22.34B |
| -一年内到期债务 | $12.42B | $26.89B | $27.44B | $22.34B | $22.34B |
| 长期债务及融资租赁负债 | $53.37B | $42.98B | $41.62B | $41.96B | $41.96B |
| -长期债务 | $53.37B | $42.98B | $41.62B | $41.96B | $41.96B |
| 其他负债 | $13.70B | $12.69B | $11.62B | $12.15B | $12.15B |
| 股东权益合计 | $61.47B | $64.10B | $64.21B | $65.19B | $65.19B |
| 股东权益 | $61.47B | $64.10B | $64.21B | $65.19B | $65.19B |
| 股本 | $11.40B | $11.52B | $11.15B | $11.23B | $11.23B |
| -普通股 | $5.99B | $6.11B | $6.23B | $6.31B | $6.31B |
| -优先股 | $5.41B | $5.41B | $4.92B | $4.92B | $4.92B |
| 资本公积 | $30.61B | $31.62B | $32.61B | $33.66B | $33.66B |
| 留存收益 | $27.73B | $27.68B | $26.80B | $26.07B | $26.07B |
| 不影响留存收益的损益 | -$8.27B | -$6.72B | -$6.34B | -$5.77B | -$5.77B |
| -累计折旧 | – | – | – | -$2.67B | -$2.67B |
| 联邦基金购入及回购协议下证券出售 | – | – | – | $3.10B | $3.10B |
| 衍生产品负债 | – | – | – | $2.19B | $2.19B |
| 交易性负债 | – | – | – | $209.00M | $209.00M |
| 少数股东权益 | – | – | – | $0.00 | $0.00 |
现金流量表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 经营活动现金流 | $1.76B | $1.04B | $679.00M | $5.74B | $2.58B |
| 持续经营经营活动现金流净额 | $1.76B | $1.04B | $679.00M | $5.74B | $2.58B |
| 持续经营净利润 | $799.00M | $1.55B | $1.48B | $5.31B | $1.35B |
| 持续经营损益 | $1.49B | -$402.00M | -$203.00M | $19.00M | $142.00M |
| 折旧、折耗与摊销 | $181.00M | $191.00M | $193.00M | $837.00M | $203.00M |
| 其他非现金项目 | -$1.16B | -$507.00M | -$388.00M | $532.00M | $103.00M |
| 营运资金变动 | $703.00M | -$191.00M | -$883.00M | -$2.85B | $268.00M |
| -贷款变动 | $928.00M | -$299.00M | -$277.00M | -$389.00M | $189.00M |
| -其他流动资产变动 | -$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 |
| 投资活动现金流净额 | $5.77B | -$2.87B | -$1.94B | -$17.76B | -$4.79B |
| 持续经营投资活动现金流净额 | $5.77B | -$2.87B | -$1.94B | -$17.76B | -$4.79B |
| 投资购置及出售净额 | $618.00M | -$1.49B | $94.00M | $8.45B | $1.72B |
| 贷款净收益 | $4.45B | -$1.02B | -$1.18B | -$24.06B | -$5.30B |
| 其他投资变动净额 | $175.00M | $15.00M | -$1.00M | -$1.51B | -$993.00M |
| 筹资活动现金流 | -$1.35B | $4.92B | $1.08B | $8.63B | $1.74B |
| 持续经营筹资活动现金流净额 | -$1.35B | $4.92B | $1.08B | $8.63B | $1.74B |
| 存款增减 | $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 |
| 普通股发行净额 | -$1.20B | -$1.20B | -$1.13B | -$2.50B | -$750.00M |
| 优先股发行净额 | $0.00 | – | – | -$1.00B | -$1.00B |
| 已付现金股利 | -$744.00M | -$670.00M | -$749.00M | -$3.00B | -$714.00M |
| 其他筹资活动净额 | -$5.00M | -$38.00M | -$74.00M | -$71.00M | -$13.00M |
| 期末现金余额 | $45.47B | $39.29B | $36.20B | $36.38B | $36.38B |
| 现金净变动 | $6.18B | $3.09B | -$180.00M | -$3.39B | -$475.00M |
| 期初现金余额 | $39.29B | $36.20B | $36.38B | $39.77B | $36.85B |
| 自由现金流 | $1.76B | $1.04B | $679.00M | $5.74B | $2.58B |
| 业务购买及出售净额 | – | – | – | $0.00 | $0.00 |
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