Truist Financial Corporation (TFC) Q3 FY2026 earnings

Reported results

• Net income available to common shareholders of $0.68 billion (GAAP); adjusted net income available to common shareholders of $1.42 billion (non-GAAP).
• Net interest income of $3.66 billion (GAAP) and net interest income - TE of $3.71 billion (non-GAAP), up 1.1% linked quarter.
• Noninterest income of $0.08 billion (GAAP); adjusted noninterest income of $1.60 billion (non-GAAP), down 2.9% linked quarter.
• Noninterest expense of $3.11 billion (GAAP); adjusted noninterest expense of $3.07 billion (non-GAAP), up 0.3% linked quarter.
• Adjusted ROTCE (non-GAAP) of 14.6%, compared to 15.4% in Q2 2026 and 13.6% in Q3 2025.
• End of period loans and leases HFI of $323.9 billion, down $5.9 billion linked quarter; end of period deposits of $413.2 billion, up $3.9 billion linked quarter.

Guidance

• Management remains confident in its ability to deliver against near- and long-term ROTCE targets.

Notes

Q3 2026 results include $1.4 billion pre-tax loss on AFS securities sales and $581 million pre-tax loan loss reserve recapture related to the RAC loan sale completed in Q3 2026. On October 14, 2026, Truist signed an agreement to sell $7.7 billion of unsecured consumer loans (LightStream platform) to Carlyle Group Inc. CET1 ratio is preliminary at 10.7% as of September 30, 2026.

Price and volatility reaction

The stock moved +1.1% on the print. No front-expiry chain was on file, so there is no straddle expected move.

Source

The figures above come from the earnings release the company filed with the SEC on 2026-10-16 (8-K, Item 2.02). Read the original filing on sec.gov.