•
Dec 31, 2021

Truist Q4 2021 Earnings Report

Reported GAAP earnings and adjusted earnings reflecting loan and deposit growth, fee momentum, expense control, and capital deployment.

Key Takeaways

Truist Financial Corporation reported a net income available to common shareholders of $1.5 billion for Q4 2021, a 24% increase compared to the same period last year. Earnings per diluted common share were $1.13, up 26% compared to the prior year. Adjusted earnings per diluted share were $1.38, up 17% compared to the prior year.

Earnings per diluted common share for the fourth quarter of 2021 were $1.13.

Adjusted diluted earnings per share were $1.38 up $0.20 per share, or 17%, compared to fourth quarter 2020

Taxable-equivalent revenue for the fourth quarter of 2021 was $5.6 billion.

Noninterest expense for the fourth quarter of 2021 was $3.7 billion, down 2.5% compared to third quarter 2021 and 3.5% compared to fourth quarter 2020.

Total Revenue
$5.57B
Previous year: $5.65B
-1.5%
EPS
$1.38
Previous year: $1.18
+16.9%
Cash and Equivalents
$20.3B
Previous year: $18.9B
+7.6%
Free Cash Flow
$4.68B
Previous year: $2.31B
+102.6%
Total Assets
$541B
Previous year: $509B
+6.3%

Truist

Truist

Forward Guidance

Truist has much to look forward to in 2022. In February, we will complete our largest client conversion and will eliminate merger costs by year end. We have strong momentum heading into the year with an improving loan growth trajectory and growing fee income businesses. We will shift from an integration mindset to an operating mindset focused on executional excellence and growth, accelerate investments in our businesses, all underpinned by our unwavering purpose.

Positive Outlook

  • Completion of largest client conversion in February
  • Elimination of merger costs by year end
  • Improving loan growth trajectory
  • Growing fee income businesses
  • Shift from integration to operating mindset