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Compared to Estimates, Truist Financial (TFC) Q2 Earnings: A Look at Key Metrics
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For the quarter ended June 2025, Truist Financial Corporation (TFC - Free Report) reported revenue of $4.99 billion, up 0.4% over the same period last year. EPS came in at $0.91, compared to $0.91 in the year-ago quarter.
The reported revenue represents a surprise of +0.1% over the Zacks Consensus Estimate of $4.98 billion. With the consensus EPS estimate being $0.92, the EPS surprise was -1.09%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Truist Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net interest margin: 3% versus 3% estimated by six analysts on average.
Total nonperforming assets: $1.32 billion compared to the $1.63 billion average estimate based on five analysts.
Net charge-offs as a percentage of average loans and leases: 0.5% versus 0.6% estimated by five analysts on average.
Book Value Per Share (BVPS): $45.70 compared to the $45.30 average estimate based on five analysts.
Average balance - Total earning assets: $480.98 billion versus the five-analyst average estimate of $478.38 billion.
Efficiency Ratio: 59.9% compared to the 58.3% average estimate based on four analysts.
Total nonaccrual loans and leases: $1.26 billion versus the four-analyst average estimate of $1.56 billion.
Tier 1 Leverage Ratio: 10.2% versus the three-analyst average estimate of 10.3%.
Tier 1 Capital Ratio: 12.3% compared to the 12.7% average estimate based on three analysts.
Total Capital Ratio: 14.3% compared to the 14.9% average estimate based on two analysts.
Total Noninterest Income: $1.4 billion compared to the $1.41 billion average estimate based on six analysts.
Net interest income (FTE): $3.64 billion versus the five-analyst average estimate of $3.63 billion.
Shares of Truist Financial have returned +13.1% over the past month versus the Zacks S&P 500 composite's +5.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Compared to Estimates, Truist Financial (TFC) Q2 Earnings: A Look at Key Metrics
For the quarter ended June 2025, Truist Financial Corporation (TFC - Free Report) reported revenue of $4.99 billion, up 0.4% over the same period last year. EPS came in at $0.91, compared to $0.91 in the year-ago quarter.
The reported revenue represents a surprise of +0.1% over the Zacks Consensus Estimate of $4.98 billion. With the consensus EPS estimate being $0.92, the EPS surprise was -1.09%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Truist Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Truist Financial here>>>
Shares of Truist Financial have returned +13.1% over the past month versus the Zacks S&P 500 composite's +5.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.