Truist Financial Corporation · TFC · Next earnings

Truist Financial Corporation reports Friday, Oct 16, 2026

TFC reports before market open with consensus EPS at $1.12 and revenue at $5.35B. Last quarter: Truist Q2 2026: EPS Beat on Fee Strength, ROTCE Hits 15.4%, Guidance Trimmed

Reports Before market open26 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $1.12 Calendar consensus
Consensus revenue $5.35B Calendar consensus
Report date Oct 16, 2026 Friday, date estimated
Session Before market open 26 days away

Where TFC left off: FY2026 Q2

Full report

Truist Q2 2026: EPS Beat on Fee Strength, ROTCE Hits 15.4%, Guidance Trimmed

EPS surprise +13.9% Reported $1.23 vs $1.08
Revenue surprise +1.4% Reported $5.31B vs $5.24B
Stock move -1.4% Event window
Subsequent drift +1.0% Up to 20 sessions

Full-year revenue growth guidance lowered to 3.5-4%. Non-interest income growth outlook raised to approximately 10% (from high-single-digit in Q1). Net interest income growth outlook of 2-3% from Q1 appears embedded in the reduced revenue range. The $5B share buyback target and full-year ROTCE target above 14% were both maintained.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Deposit mix shifting toward higher-rate products, increasing funding costs
  • Loan spread compression due to market conditions and portfolio reallocation
  • Reduced consumer loan production potentially weighing on net interest income
  • Swap exposure impacting loan yields and net interest margin
  • Execution risk around continued portfolio optimization and cost discipline

Questions analysts left open

  • Assumptions behind loan growth forecasts and impact of portfolio exits
  • Deposit cost expectations and the effect on net interest margin
  • Extent of loan spread compression and its impact on NII outlook
  • Timing and magnitude of swap re-pricing and related earnings impact
  • Capital allocation flexibility versus future shareholder returns

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Recent TFC quarters

All TFC earnings
-1.4%FY2026 Q2

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q2

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.