Truist Financial said net income available to common shareholders for Q3 2025 was $1.3 billion, up 0.9% compared with the prior year quarter, and diluted earnings per common share were $1.04, an increase of $0.05 or 5.1%. The annualized return on average assets was 1.06% and the annualized return on average common shareholders' equity was 9.0%.

1. 01

   Truist Financial said net income available to common shareholders for Q3 2025 was $1.3 billion, up 0.9% compared with the prior year quarter, and diluted earnings per common share were $1.04, an increase of $0.05 or 5.1%. The annualized return on average assets was 1.06% and the annualized return on average common shareholders' equity was 9.0%.

2. 02

   Truist Financial said taxable-equivalent net interest income for Q3 2025 was up $23 million or 0.6% compared with the prior year quarter, and net interest margin was 3.01%, down 11 basis points. The yield on the average total loan portfolio was 6.00%, down 41 basis points, which the company attributed to the impact of variable rate loans repricing.

3. 03

   Truist Financial returned $1.2 billion of capital to common shareholders during Q3 2025, consisting of $665 million in common stock dividends and $500 million in common share repurchases. As of September 30, 2025, $2.3 billion remained under the $5.0 billion common share repurchase authorization through the end of 2026.

4. 04

   The company said the provision for credit losses for Q3 2025 was $436 million compared with $448 million in the prior year quarter, and the net charge-off ratio was 48 basis points. The CET1 ratio as of September 30, 2025 was 11.0%, flat compared with June 30.

Key figures

Quarter ended September 30, 2025

Revenue

$6.3B

Net income

$1.5B

EPS

$1.04

Analysis scope · Management's discussion (MD&A)We analyzed excerpts of the Management's Discussion and Analysis (MD&A) section (with omissions). Other sections of the report, such as the notes to the financial statements and risk factors, were not reviewed.

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

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