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Dec 31, 2025
Truist Q4 2025 Earnings Report
Truist reported solid fourth quarter results with stable revenue and improved capital returns.
Key Takeaways
Truist delivered $5.3B in revenue and $1.29B in net income for Q4 2025, supported by higher net interest income and strong credit quality. The company repurchased $750M in stock and managed elevated expenses driven by legal and severance charges.
Revenue rose to $5.3B, driven by stronger net interest income.
Net income reached $1.29B, including legal and severance charges.
Repurchased $750M in common stock, highlighting capital return.
Maintained strong credit quality with a 0.57% net charge-off ratio.
Revenue by Geographic Location
Forward Guidance
In 2026, Truist expects modest revenue growth, continued investment in key areas, and increased capital returns.
Positive Outlook
- Revenue projected to grow 4% to 5% in FY26.
- Noninterest expense to increase only 1.25% to 2.25%.
- Net interest income expected to rise 3% to 4% YoY.
- Planned $4B in share repurchases for FY26.
- Effective tax rate expected to remain stable around 16.5%.
Challenges Ahead
- Legal settlement and severance drove higher Q4 expenses.
- Noninterest income declined slightly versus prior quarter.
- Provision for credit losses increased significantly QoQ.
- Net occupancy and other expenses remained elevated.
- Slight decline in CET1 ratio compared to previous year.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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