For the quarter ended September 2025, Truist Financial Corporation (TFC) reported revenue of $5.19 billion, up 2% over the same period last year. EPS came in at $1.04, compared to $0.97 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $5.15 billion, representing a surprise of +0.7%. The company delivered an EPS surprise of +5.05%, with the consensus EPS estimate being $0.99.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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: $1.63 billion versus the five-analyst average estimate of $1.5 billion.
- 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): $46.70 versus $46.37 estimated by five analysts on average.
- Average balance - Total earning assets: $486.01 billion compared to the $484.99 billion average estimate based on five analysts.
- Efficiency ratio-unadjusted: 58.1% versus the four-analyst average estimate of 57.2%.
- Total nonaccrual loans and leases: $1.57 billion compared to the $1.49 billion average estimate based on four analysts.
- Tier 1 Leverage Ratio: 10.2% versus the three-analyst average estimate of 10.2%.
- Tier 1 Capital Ratio: 12.3% versus the three-analyst average estimate of 12.5%.
- Total Capital Ratio: 14.2% versus 14.7% estimated by two analysts on average.
- Total Noninterest Income: $1.56 billion versus the six-analyst average estimate of $1.48 billion.
- Net interest income (FTE): $3.68 billion versus the five-analyst average estimate of $3.71 billion.
View all Key Company Metrics for Truist Financial here>>>
Shares of Truist Financial have returned -10.8% over the past month versus the Zacks S&P 500 composite's +0.7% 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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Truist Financial Corporation (TFC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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