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Truist Financial

TFC NYSE Diversified Banks Financials FY2016–FY2025

Truist Financial's revenue rose 53.0% to $20.3 billion in fiscal 2025. Net income was $5.3 billion, up 9.7%. Its return on equity was 8.2%, up from 7.9% a year earlier. Its efficiency ratio was 59.4%, down from 90.4% a year earlier. It paid out $5.2 billion in dividends and buybacks. The diluted share count fell 2.1%.

Last close · Oct 23, 2026

$48.44

0.0%
Value it Compare
Revenue Total sales reported in the income statement.
$20.3B
53.0% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
59.4%
31.0 pts
Net income Profit after all expenses, interest and tax.
$5.3B
9.6%
Return on equity Net income as a share of average shareholders' equity.
8.2%
0.4 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$63.1B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
11.1x
On $4.36 EPS (TTM)

What Truist Financial does

No business description yet.

Legal name
TRUIST FINANCIAL CORPORATION
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0000092230-26-000030
0000092230

Revenue and margins

Truist Financial had $20.3B of revenue in fiscal 2025, up 53.0% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 3.6% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Truist Financial returned $5.2B to shareholders in fiscal 2025. The diluted share count fell 2.1%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Truist Financial yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Earnings multiple

Value per share

—

Reference multiples: today 11.1x · peers 12.2x · sector 13.7x.

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $285.1B$321.6B$307.3B$301.5B$323.6B
Deposits $416.5B$413.5B$395.9B$390.5B$400.4B
Loans / deposits 68.5%77.8%77.6%77.2%80.8%
Total assets $541.2B$555.3B$535.3B$531.2B$547.5B
Shareholders' equity $69.3B$60.5B$59.3B$63.7B$65.2B
Goodwill $26.1B$23.2B$17.2B$17.1B$17.1B
Intangible assets $0.0M$0.0M$0.0M$0.0M$0.0M
Provision / loans −0.3%0.3%0.7%0.6%0.6%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$1.0M

1 insider

Sold, 12 months

$2.7M

5 insiders

Of sales under plans

0%

$0.0M

DateInsiderTradeSharesPriceValueFiling
Sep 17, 2026 Michael P. LyonsPresident & CEO, Director Bought 21,000 $48.36 $1.0M Form 4
Jul 31, 2026 Donta L WilsonChief Consumer & SB BK Officer Sold 13,280 $51.85 $0.7M Form 4
Jul 23, 2026 Boyer K. David Jr.Director Sold 3,986 $50.70 $0.2M Form 4
Jul 20, 2026 William H Rogers JrChairman & CEO, Director Sold 13,250 $52.36 $0.7M Form 4
Feb 2, 2026 Cynthia B PowellCorp. Controller & CAO Sold 3,500 $52.49 $0.2M Form 4
Jan 26, 2026 Michael Baron MaguireChief Financial Officer Sold 13,000 $50.13 $0.7M Form 4
Nov 25, 2025 Boyer K. David Jr.Director Sold 5,160 $46.45 $0.2M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Truist Financial TFC $63.1B 53.0% — — — 11.1x —
PNC Financial Services PNC $88.9B 7.2% — — — 12.4x — Compare →
U.S. Bancorp USB $92.8B 4.4% — — — 11.9x — Compare →
Wells Fargo WFC $267.1B 1.7% — — — 12.0x — Compare →
Citigroup C $225.9B 5.6% — — — 17.3x — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $10.8B $11.3B $11.6B $12.6B $22.7B $22.3B $20.0B $20.0B $13.3B $20.3B
Net interest income $6.3B $6.5B $6.7B $7.3B $13.8B $13.0B $14.3B $14.5B $14.1B $14.4B
Noninterest income $4.5B $4.8B $4.9B $5.3B $8.9B $9.3B $5.7B $5.5B −$813M $5.9B
Noninterest expense $6.7B $7.4B $6.9B $7.9B $14.9B $15.1B $12.2B $18.7B $12.0B $12.1B
Provision for credit losses $572M $547M $566M $615M $2.3B −$813M $777M $2.1B $1.9B $1.9B
Pretax income $3.5B $3.3B $4.1B $4.0B $5.5B $8.0B $7.0B −$765M −$601M $6.3B
Income tax $1.1B $911M $803M $782M $981M $1.6B $1.3B $738M −$556M $1.0B
Net income $2.4B $2.4B $3.3B $3.2B $4.5B $6.4B $6.3B −$1.0B $4.8B $5.3B
Net income to common $2.3B $2.2B $3.1B $3.0B $4.2B $6.0B $5.9B −$1.5B $4.5B $5.0B
Diluted EPS $2.77 $2.74 $3.91 $3.71 $3.08 $4.47 $4.43 −$1.09 $3.36 $3.82
Diluted shares 0.81B 0.81B 0.78B 0.82B 1.36B 1.35B 1.34B 1.33B 1.33B 1.30B
Cash flow
Stock-based compensation $115M $132M $141M $165M $353M $320M $261M $298M $292M $317M
Share buybacks $520M $1.6B $1.2B $0.0M $0.0M $1.6B $250M $0.0M $1.0B $2.5B
Dividends paid $925M $1.0B $1.2B $1.3B $2.4B $2.5B $2.7B $2.8B $2.8B $2.7B
Dividends and buybacks $1.4B $2.6B $2.4B $1.3B $2.4B $4.1B $2.9B $2.8B $3.8B $5.2B
Balance sheet
Loans, net $141.8B $142.2B $147.5B $298.3B $293.9B $285.1B $321.6B $307.3B $301.5B $323.6B
Deposits $160.2B $157.4B $161.2B $334.7B $381.1B $416.5B $413.5B $395.9B $390.5B $400.4B
Goodwill $9.6B $9.6B $9.8B $24.2B $24.4B $26.1B $23.2B $17.2B $17.1B $17.1B
Intangible assets $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Total assets $219.3B $221.6B $225.7B $473.1B $509.2B $541.2B $555.3B $535.3B $531.2B $547.5B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $29.9B $29.7B $30.2B $66.6B $70.9B $69.3B $60.5B $59.3B $63.7B $65.2B
Margins
Net margin 22.6% 21.3% 28.2% 25.8% 19.8% 28.9% 31.4% −5.2% 36.5% 26.1%
Net interest share of revenue 58.6% 57.7% 57.8% 58.2% 60.9% 58.3% 71.7% 72.5% 106.1% 71.0%
Efficiency ratio 62.3% 65.8% 60.0% 63.1% 65.6% 67.8% 60.9% 93.3% 90.4% 59.4%
Returns
Return on equity 8.5% 8.1% 10.9% 6.7% 6.5% 9.2% 9.7% −1.8% 7.9% 8.2%
Return on assets 1.1% 1.1% 1.5% 0.9% 0.9% 1.2% 1.1% −0.2% 0.9% 1.0%
Return on tangible equity 11.6% 11.0% 15.2% 9.7% 9.4% 13.5% 14.7% −3.7% 10.1% 10.5%
Growth
Revenue growth 12.3% 4.9% 2.1% 8.7% 80.7% −1.8% −10.4% 0.3% −33.7% 53.0%
Net income growth 15.0% −1.1% 34.9% −0.6% 38.8% 43.3% −2.6% −116.7% — 9.7%
EPS growth 8.2% −1.1% 42.7% −5.1% −17.0% 45.1% −0.9% −124.6% — 13.7%
Share count change 7.5% −0.5% −3.4% 4.1% 66.6% −0.7% −0.8% −0.5% −0.1% −2.1%
Financial health
Loans / deposits 88.5% 90.4% 91.5% 89.1% 77.1% 68.5% 77.8% 77.6% 77.2% 80.8%
Provision / loans 0.4% 0.4% 0.4% 0.3% 0.8% −0.3% 0.3% 0.7% 0.6% 0.6%
Capital allocation
Stock comp / revenue 1.1% 1.2% 1.2% 1.3% 1.6% 1.4% 1.3% 1.5% 2.2% 1.6%

Source: SEC EDGAR XBRL filings (CIK 0000092230). Data updated October 9, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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