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Jun 30, 2025
Truist Q2 2025 Earnings Report
Truist reported solid results with strong loan growth and share repurchases in Q2 2025.
Key Takeaways
Truist delivered $1.2 billion in net income, driven by strong loan growth and stable asset quality, while repurchasing $750 million in shares. Revenue and EPS showed steady growth.
Net income reached $1.2 billion with diluted EPS of $0.90
Revenue rose to $5.04 billion, up 1.8% sequentially
Strong loan growth of 2% linked-quarter with solid credit metrics
Repurchased $750 million of common stock, targeting $500 million in 3Q25
Revenue by Geographic Location
Forward Guidance
Truist expects modest revenue growth, continued expense discipline, and improved investment banking performance in 2H25.
Positive Outlook
- Adjusted revenue expected to rise 2.5%-3.5% in Q3 2025
- Expense growth targeted at ~1% in Q3 2025
- SCB expected to decline to 2.5% effective October 1, 2025
- Investment banking & trading positioned for recovery in 2H25
- Continued strong asset quality and credit discipline
Challenges Ahead
- CET1 ratio declined 30 bps vs Q1 2025 due to capital returns
- Higher personnel expenses driving adjusted noninterest expense growth
- Net interest margin remains relatively flat at 3.02%
- Lower investment banking and trading income in 2Q25
Historical Earnings Impact
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Avg. Return Before/After Earnings
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