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Sep 30
Truist Q3 2025 Earnings Report
Truist reported strong results driven by loan growth, fee income, and disciplined expense management.
Key Takeaways
Truist delivered solid Q3 2025 financial performance with $5.24B in revenue and $1.35B in net income, supported by increased investment banking and wealth management income, and continued share repurchases.
Net income reached $1.35B with diluted EPS of $1.04
Revenue grew to $5.24B, supported by fee income and loan growth
Repurchased $500M in common stock during the quarter
CET1 ratio remained strong at 11.0%
Truist
Truist
Truist Revenue by Geographic Location
Revenue by Geographic Location
United States Revenue
CapyFin.com Forward Guidance
Truist expects moderate revenue growth and stable expenses in Q4 2025, with continued improvements in credit quality and share repurchase acceleration.
Positive Outlook
- Adjusted revenue expected to grow 1–2% in Q4
- Net interest income expected to increase ~2%
- Noninterest expenses expected to remain stable
- Targeting $750M in share repurchases for Q4
- Net charge-off ratio expected to improve to 55 bps for FY25
Challenges Ahead
- Deposit decline due to withdrawal of short-term M&A-related client deposits
- Continued pressure on net interest margin
- Slight increase in personnel expenses
- CET1 including AOCI decreased year-over-year
- Lower valuation on Visa-related derivatives impacted noninterest income