Loading...
•
Mar 31
Truist Q1 2025 Earnings Report
Truist reported solid financial performance with strong asset quality and disciplined expense management in Q1 2025.
Key Takeaways
Truist delivered $1.2B in net income and maintained a solid capital position despite revenue pressure from lower interest income. EPS held steady at $0.87, supported by strong credit discipline, loan growth, and strategic capital returns.
Reported $1.2B in net income available to common shareholders
Diluted EPS of $0.87, with adjusted EPS also at $0.87
Returned $1.2B to shareholders, including $500M in share repurchases
Maintained strong credit and capital metrics with 11.3% CET1 ratio
Truist
Truist
Truist Revenue by Geographic Location
Revenue by Geographic Location
US Operations Revenue
CapyFin.com Forward Guidance
Truist expects modest revenue and expense growth for 2025, maintaining disciplined operating leverage amid a challenging interest rate environment.
Positive Outlook
- Adjusted revenue projected to grow 1.5–2.5% YoY
- Share repurchases may reach $750M in Q2 2025
- Capital and liquidity remain strong
- Expense growth expected to be ~1% YoY
- Net interest income projected to increase ~3% YoY
Challenges Ahead
- Lower investment banking and trading activity expected
- Medium-term rates lower than prior forecasts
- CET1 ratio dipped 20 bps sequentially
- Noninterest income slightly declined QoQ
- Digital engagement growth moderating