For the quarter ended December 2025, Truist Financial Corporation (TFC) reported revenue of $5.25 billion, up 3.7% over the same period last year. EPS came in at $1.12, compared to $0.91 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $5.27 billion, representing a surprise of -0.41%. The company delivered an EPS surprise of +2.41%, with the consensus EPS estimate being $1.09.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 3.1% versus 3% estimated by six analysts on average.
- Total nonperforming assets: $1.63 billion compared to the $1.87 billion average estimate based on five analysts.
- Net charge-offs as a percentage of average loans and leases: 0.6% versus 0.6% estimated by five analysts on average.
- Book Value Per Share (BVPS): $47.74 versus $47.43 estimated by five analysts on average.
- Average balance - Total earning assets: $484.6 billion versus the five-analyst average estimate of $490.36 billion.
- Efficiency ratio-unadjusted: 60.4% compared to the 56.1% average estimate based on four analysts.
- Total nonaccrual loans and leases: $1.58 billion versus the four-analyst average estimate of $1.87 billion.
- Tier 1 Leverage Ratio: 10% versus 10.1% estimated by three analysts on average.
- Tier 1 Capital Ratio: 11.9% versus 12.3% estimated by three analysts on average.
- Total Capital Ratio: 13.8% versus the two-analyst average estimate of 14.4%.
- Total Noninterest Income: $1.55 billion compared to the $1.57 billion average estimate based on six analysts.
- Net interest income (FTE): $3.75 billion versus $3.75 billion estimated by five analysts on average.
View all Key Company Metrics for Truist Financial here>>>
Shares of Truist Financial have returned -2.7% over the past month versus the Zacks S&P 500 composite's -0.4% 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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Truist Financial Corporation (TFC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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