Truist Financial Corporation is poised to announce its fiscal Q4 2025 earnings report, with analysts projecting a profit of $1.09 per share. This represents a significant increase of 19.8% compared to $0.91 per share from the same quarter last year. The upcoming announcement is particularly notable as Truist, formed in 2019 through the merger of BB&T and SunTrust, has consistently exceeded Wall Street’s earnings estimates in three of the last four quarters.
Headquartered in Charlotte, North Carolina, Truist operates as one of the largest regional financial services companies in the United States, boasting a market capitalization of $64.2 billion. The firm offers a comprehensive suite of services, including consumer and commercial banking, lending, wealth and asset management, insurance, and investment banking.
In the previous fiscal quarter, Truist reported earnings of $1.04 per share, surpassing analysts’ consensus estimate by 5.1%. For the entire fiscal year, expectations are high, with analysts forecasting earnings of $3.94 per share, reflecting a growth of 6.8% from $3.69 per share in fiscal 2024. Looking ahead, earnings per share are anticipated to rise by 13.2% year over year, reaching $4.46 in fiscal 2026.
Investors have reacted positively to recent developments, particularly following Truist’s announcement on December 10, 2025, to reduce its prime lending rate from 7% to 6.75%. This change signals a more favorable lending environment, which could enhance loan demand across both consumer and commercial sectors. Following the news, Truist shares rallied by more than 3%.
Analysts maintain a cautiously optimistic outlook on Truist’s stock, with an overall “Moderate Buy” rating. Among the 22 analysts covering the stock, seven recommend a “Strong Buy,” two suggest a “Moderate Buy,” while 12 advise a “Hold.” Only one analyst rates it as a “Strong Sell.” The average price target for Truist stands at $51.17, indicating a potential upside of 2.5% from current levels.
As Truist prepares for its earnings report, investors and analysts alike will be closely monitoring the results, which could further shape market sentiment and future expectations for the bank’s performance.
