After weathering volatility in recent years, banks can now deploy excess capital, signaling confidence in their long-term growth prospects. That was the story shared by Truist executives during a third-quarter 2024 earnings call Thursday (Oct. 17). They said the bank "returned $1.2 billion of capital to our shareholders in the form of our common stock dividend and share repurchases completed during the quarter." The broader macroeconomic environment, marked by higher interest rates, inflationary pressures a ...

For the quarter ended September 2024, Truist Financial Corporation (TFC) reported revenue of $5.09 billion, down 10.4% over the same period last year. EPS came in at $0.97, compared to $0.84 in the year-ago quarter. The reported revenue represents a surprise of +0.69% over the Zacks Consensus Estimate of $5.05 billion. With the consensus EPS estimate being $0.89, the EPS surprise was +8.99%. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they comp ...

业绩总结 - 第三季度净收入为13.36亿美元，普通股股东可得净收入为13.07亿美元，GAAP稀释每股收益为0.99美元，调整后稀释每股收益为0.97美元[9] - 3Q24的收入为51.4亿美元，较2Q24增长2.4%，较3Q23增长4.3%[14] - 2024年第三季度的净收入为14.39亿美元，相较于2023年第三季度的11.09亿美元增长了29.0%[53] - 2024年9月30日的稀释每股收益（EPS）为0.99美元，较2023年9月30日的0.80美元增长了23.8%[51] - 2024年9月30日的调整后稀释每股收益（EPS）为0.97美元，较2023年9月30日的0.80美元增长了21.3%[51] 用户数据 - 消费者贷款生产环比增长3%，新开数字账户环比增长7%[10] - 批发贷款生产环比增长4%，但因利用率下降而受到抵消[10] - 客户满意度和保留率因体验和能力的改善而持续提升[10] 财务指标 - 整体效率比率为57.5%，调整后效率比率为55.2%[9] - 3Q24的净利差为3.12%，较2Q24上升10个基点[23] - 3Q24的非利息收入为14.83亿美元，较2Q24增加67亿美元，主要由于投资银行和交易收入的增长[24] - 3Q24的总非利息支出为29.27亿美元，较2Q24减少167百万美元，下降5.4%[26] - 2024年9月30日的非利息收入为1,483百万美元，较2023年9月30日的1,334百万美元增长了11.2%[52] 资本管理 - 核心一级资本比率为11.6%，包括其他综合收益的核心一级资本比率为9.9%[9] - 3Q24的CET1资本比率为11.6%[16] - 向股东返还了12亿美元的资本，其中包括10亿美元的普通股股息和5亿美元的股票回购[35] - 2024年第三季度的普通股东权益为590.23亿美元，较2023年第四季度的524.28亿美元增长了12.5%[54] 未来展望 - 公司设定中期目标为中位数的15%回报率[8] - 公司继续专注于增长机会，同时保持费用控制并投资基础设施和技术[8] 负面信息 - 3Q24的平均贷款余额为3180亿美元，较2Q24减少30亿美元，下降1.0%[18] - 3Q24的平均存款余额为4010亿美元，较2Q24减少37亿美元，下降1.0%[20] - 3Q24的信用损失准备金增加4400万美元，较2Q24上升14%[44]

Truist Financial's (TFC) third-quarter 2024 adjusted earnings of 97 cents per share handily surpassed the Zacks Consensus Estimate of 89 cents. The figure, also, jumped 21.3% year over year. Stay up-to-date with all quarterly releases: See ZacksEarnings Calendar. Results benefited from higher net interest income (NII) and non-interest income. Further, lower provisions and a decline in expenses acted as tailwinds. On the other hand, a fall in average loan and deposit balances was the undermining factor. Resu ...

Truist Financial Corporation (TFC) came out with quarterly earnings of $0.97 per share, beating the Zacks Consensus Estimate of $0.89 per share. This compares to earnings of $0.84 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of 8.99%. A quarter ago, it was expected that this company would post earnings of $0.84 per share when it actually produced earnings of $0.91, delivering a surprise of 8.33%. Over the last four quarters, ...

财务业绩 - 第三季度总收入为67.9亿美元，同比增长5.7%[1] - 净利润为18.3亿美元，同比增长3.4%[1] - 第三季度利息收入为64.07亿美元,较上年同期增长6.4%[3] - 第三季度拨备金为4.48亿美元,较上年同季度减少7.8%[3] - 第三季度非利息收入为14.83亿美元,较上年同期下降64.2%[3] - 第三季度每股收益(调整后)为0.97美元,较上年同期增长21.3%[3] - 第三季度资产回报率为1.10%,较上年同期提高0.13个百分点[3] - 第三季度股东权益回报率为9.1%,较上年同期下降0.7个百分点[3] - 2024年前三季度总利息收入为188.87亿美元，同比增长3.9%[5] - 2024年前三季度存款利息支出为59.94亿美元，同比增长33.0%[5] - 2024年前三季度信贷损失准备金计提13.99亿美元，同比减少9.0%[5] - 2024年前三季度非利息收入为-22.83亿美元，同比下降155.2%[5] - 2024年前三季度非利息支出为89.74亿美元，同比下降1.6%[5] - 2024年前三季度税前利润为-21.55亿美元，同比下降148.0%[5] - 2024年前三季度净利润为35.64亿美元，同比下降11.9%[5] - 2024年前三季度每股收益为2.44美元，同比下降12.5%[5] 资产负债情况 - 贷款总额为1,840亿美元，较上季度增长1.4%[1] - 存款总额为2,220亿美元，较上季度增长1.8%[1] - 不良贷款率为0.33%，较上季度下降0.02个百分点[1] - 核心资本充足率为10.1%，较上季度下降0.2个百分点[1] - 现金及银行存款为52.29亿美元[7] - 贷款及租赁总额为3,043.62亿美元[7] - 贷款损失准备为48.42亿美元[7] - 非计息存款为1,059.84亿美元[7] - 利息支票存款为1,094.93亿美元[7] - 定期存款为379.52亿美元[7] - 贷款和租赁总额为304.58亿美元，较上年同期增长6.41%[9] - 存款总额为278.26亿美元，较上年同期增长2.88%[9] - 商业和工业贷款余额为154.10亿美元，较上年同期增长6.41%[9] - 住房抵押贷款余额为54.00亿美元，较上年同期增长3.89%[9] - 贷款和租赁总额为307.2亿美元，净息差为3.01%[11] - 存款总额为387.1亿美元，平均利率为2.07%[11] - 商业和工业贷款平均余额为156.5亿美元，平均收益率为6.49%[11] - 住房抵押贷款平均余额为54.5亿美元，平均收益率为3.86%[11] - 间接自动贷款平均余额为22.2亿美元，平均收益率为6.94%[11] - 信用卡贷款平均余额为4.9亿美元，平均收益率为12.10%[11] - 其他消费贷款(包括学生贷款)平均余额为28.5亿美元，平均收益率为8.17%[11] 资产质量 - 不良贷款率为0.48%，较上年同期上升0.02个百分点[3] - 贷款损失准备占贷款比例为1.60%，较上年同期上升0.11个百分点[3] - 公司不良贷款和租赁占贷款和租赁总额的比例为0.48%，较上一季度上升2个百分点[15] - 公司不良资产占总资产的比例为0.29%，较上一季度上升1个百分点[15] - 公司贷款和租赁损失准备金占贷款和租赁总额的比例为1.60%，较上一季度上升3个百分点[15] - 公司贷款和租赁损失准备金与不良贷款和租赁的比率为3.3倍，较上一季度下降1%[15] - 公司净核销贷款占平均贷款和租赁的比率为0.59%，较上一季度上升12个百分点[16] - 公司贷款和租赁损失准备金与净核销贷款的比率为2.7倍，较上一季度下降0.4倍[16] - 公司30-89天逾期贷款和租赁占贷款和租赁总额的比例为0.58%，较上一季度下降1个百分点[15] - 第三季度信贷损失准备金余额为51.4亿美元[18] - 第三季度信贷损失准备金计提4.48亿美元[18] - 第三季度净冲销4.18亿美元[18] - 第三季度商业贷款和工业贷款的净冲销率为0.18%[19] - 第三季度商业房地产贷款的净冲销率为1.12%[19] - 第三季度间接自动贷款的净冲销率为1.89%[19] - 第三季度信用卡贷款的净冲销率为5.04%[19] - 第三季度总贷款和租赁的净冲销率为0.55%[19] 业务发展 - 计划在未来12个月内完成100家新分行的开设[1] - 正在研发新一代移动银行应用程序以提升客户体验[1] - 正在评估潜在的并购机会以拓展业务范围[1] - 预计2025年全年收入将增长8%-10%[1] - 公司2024年第三季度抵押贷款业务收入为1.06亿美元，其中住房抵押贷款收入为9800万美元，商业抵押贷款收入为800万美元[24] - 公司2024年第三季度住房抵押贷款服务组合总规模为2754.24亿美元

CHARLOTTE, N.C., Oct. 17, 2024 /PRNewswire/ -- Truist Financial Corporation (NYSE: TFC) reported its third quarter 2024 results today. Investors can access the live third quarter 2024 earnings call at 8 a.m. ET today by webcast or dial-in as follows: Webcast: app.webinar.net/qVga5Y8KdRw Dial-in: 1-877-883-0383, passcode 1322262 The earnings release, investor presentation, including an appendix reconciling non-GAAP disclosures, and Truist's Third Quarter 2024 Quarterly Performance Summary, which contains det ...

Truist Financial (TFC) is scheduled to announce third-quarter 2024 results on Oct. 17 before the opening bell. The overall lending scenario was decent in the quarter, given borrowers' expectations of rate cuts. Stay up-to-date with all quarterly releases: See Zacks Earnings Calendar. Per the Federal Reserve's latest data, demand for commercial and industrial (C&I) loans (accounting for roughly 50% of TFC's total loans and leases held for investment) rose during the third quarter. Meanwhile, consumer loan (a ...

Wall Street analysts forecast that Truist Financial Corporation (TFC) will report quarterly earnings of $0.89 per share in its upcoming release, pointing to a year-over-year increase of 6%. It is anticipated that revenues will amount to $5.05 billion, exhibiting a decline of 11% compared to the year-ago quarter. The current level reflects an upward revision of 0.4% in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively rea ...

Wall Street expects a year-over-year increase in earnings on lower revenues when Truist Financial Corporation (TFC) reports results for the quarter ended September 2024. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be relea ...