业务重组 - 公司在2024年1月1日进行了业务重组,将原有的业务分为CSBB(消费者和小企业银行)、WB(批发银行)和OT&C(其他、财资和公司)三大板块[14] - 公司于2024年1月1日进行了业务重组,包括CB&W部门更名为CSBB,C&CB部门更名为WB,财富管理业务从CSBB部门调整至WB部门[30] - 公司将业务活动进行了重组调整,包括CB&W部门更名为CSBB,C&CB部门更名为WB,财富管理业务从CSBB部门调整至WB部门[95] 资产负债情况 - 资产总额为5,198.53亿美元，较2023年12月31日的5,353.49亿美元下降[1] - 现金及银行存款为572.79亿美元，较2023年12月31日的502.3亿美元增加[1] - 贷款及租赁净额为3,008.84亿美元，较2023年12月31日的3,072.63亿美元下降[1] - 非计息存款为1,073.1亿美元，较2023年12月31日的1,116.24亿美元下降[1] - 计息存款为2,781.01亿美元，较2023年12月31日的2,842.41亿美元下降[1] - 公司总资产为676.06亿美元[148] - 公司交易资产总额为55.58亿美元[148] - 公司可供出售证券总额为559.69亿美元[148] - 公司贷款和租赁总额为14亿美元[148] - 公司贷款服务权公允价值为34.10亿美元[148] - 公司衍生资产总额为10.95亿美元[148] - 公司利息计息存款中的定期存款为0.43亿美元[148] - 公司短期借款中的卖空证券为20.41亿美元[148] - 公司衍生负债总额为27.39亿美元[148] - 公司总负债为48.23亿美元[148] 财务业绩 - 净利息收入为36.03亿美元，较2023年同期的74.7亿美元下降[2] - 非利息收入为13.8亿美元，较2023年同期的28.01亿美元下降[2] - 净收入为13.45亿美元，较2023年同期的28.6亿美元下降[2] - 每股基本收益为0.93美元，较2023年同期的1.99美元下降[2] - 每股摊薄收益为0.92美元，较2023年同期的1.98美元下降[2] - 公司在2024年上半年实现净利润21.22亿美元[24] - 公司在2023年上半年实现净利润28.60亿美元[24] - 公司在2024年上半年实现营业收入负145百万美元[24] - 公司在2023年上半年实现营业收入38.48亿美元[24] - 公司在2024年上半年出售TIH剩余股权,实现税后收益48.14亿美元[24] 证券投资 - 公司在2024年上半年AFS证券销售收到现金276.07亿美元[24] - 公司在2023年上半年AFS证券销售收到现金0.04亿美元[24] - 公司在2024年上半年AFS证券购买支付260.48亿美元[24] - 公司在2023年上半年AFS证券购买支付2.82亿美元[24] - 公司持有的可供出售和持有至到期证券包括国债、州政府债券、机构抵押贷款支持证券等[46] - 公司AFS证券和HTM证券的摊余成本、未实现损益和公允价值情况[47,49,50,51] - 公司AFS证券和HTM证券的未实现损失主要由市场利率变动而非信用质量导致，公司预计不会产生任何信用损失[52,53] - 公司在第二季度出售了270.7亿美元的较低收益投资证券，实现了51亿美元的税后损失，并将180.7亿美元的出售收益投资于较短期限、较高收益的证券[56] - 公司在第二季度和上半年确认了66.5亿美元的已实现损失，其中包括4.85亿美元的已终止套期收益[54,55] 贷款情况 - 公司贷款总额为3,056.92亿美元，其中商业贷款占1,564亿美元[59] - 商业贷款中信用等级为"通过"的占比95.3%，"关注"占1.8%，"次级"占2.6%，"不良"占0.3%[59] - 消费贷款中住房抵押贷款总额为543.44亿美元，其中30-89天逾期占1.3%，90天及以上逾期占0.7%，不良贷款占0.3%[59] - 消费贷款中信用卡贷款总额为49.88亿美元，其中30-89天逾期占1.6%，90天及以上逾期占1.0%[59] - 公司2024年上半年贷款总额较2023年末减少2%，主要是商业贷款和消费贷款的减少[59][60] - 公司2024年上半年贷款减值准备计提为11.35亿美元，较2023年末有所下降[59][60] - 公司2024年上半年不良贷款率为0.46%，较2023年末有所下降[59][60] - 公司2024年上半年政府担保贷款占比为0.12%，较2023年末有所下降[58][59] - 公司2024年上半年贷款组合中商业贷款占比51.2%，消费贷款占比48.8%[59] - 公司2024年上半年贷款组合中有息贷款占比99.9%，无息贷款占0.1%[59] - 公司2023年商业和工业贷款总额为1608.88亿美元，其中正常贷款占比83.6%[62] - 公司2023年商业房地产贷款总额为225.7亿美元，其中正常贷款占比88.1%[62] - 公司2023年住房抵押贷款总额为554.92亿美元，其中正常贷款占比97.7%[62] - 公司2023年间接汽车贷款总额为227.27亿美元，其

CHARLOTTE, N.C., Aug. 8, 2024 /PRNewswire/ -- Truist Financial Corporation (NYSE: TFC) today announced that Steve Hagerman will be its new chief information officer. Hagerman will join Truist on Oct. 28, reporting to Chairman & CEO Bill Rogers. Based at Truist headquarters in Charlotte, Hagerman will lead the enterprise technology team, shaping and executing a strategic vision for the bank's technology future, including key areas like data and analytics, AI, information security, technology transformation, ...

Additional $100,000 grant will help communities across the Carolinas recover from anticipated flooding CHARLOTTE, N.C., Aug. 7, 2024 /PRNewswire/ -- As storm Debby moves up the Southeastern coastline, Truist Foundation today announced it will donate an additional $100,000 to support relief and recovery efforts in impacted communities in South Carolina and North Carolina in anticipation of catastrophic flooding. Funds will be distributed to the Center for Disaster Philanthropy's Atlantic Hurricane Season Rec ...

With Quail Hollow Club set to host the PGA Championship in 2025, Truist Championship to be played at The Philadelphia Cricket Club next year and return to Charlotte in 2026 CHARLOTTE, N.C. and PONTE VEDRA BEACH, Fla., Aug. 6, 2024 /PRNewswire/ -- Truist Financial Corporation (NYSE: TFC), Quail Hollow Club and the PGA TOUR today announced a seven-year agreement for Truist to become title sponsor of the PGA TOUR's Charlotte, North Carolina, event — renamed the Truist Championship. The announcement was held at ...

Funds will help provide immediate relief, support long-term recovery efforts CHARLOTTE, N.C., Aug. 4, 2024 /PRNewswire/ -- As Tropical Storm Debby approaches the Florida coast, Truist Foundation today announced it will donate $100,000 to support relief and recovery efforts in impacted communities across the Southeast. The funds will be distributed to the Center for Disaster Philanthropy's Atlantic Hurricane Season Recovery Fund, the American Red Cross and United Way Worldwide. "Truist Foundation stands read ...

With support from Truist Foundation, Build Better Careers program will create pathways to high-growth jobs in banking and financial services for South Florida residents without a college degree FORT LAUDERDALE, Fla., July 30, 2024 /PRNewswire/ -- The Council for Adult and Experiential Learning (CAEL)—a national nonprofit organization dedicated to helping adult learners navigate the pathways between education and employment—today announced the expansion of an ambitious initiative designed to help South Flo ...

Investors with an interest in Banks - Major Regional stocks have likely encountered both Truist Financial Corporation (TFC) and The PNC Financial Services Group, Inc (PNC) . But which of these two stocks is more attractive to value investors? We'll need to take a closer look to find out.Everyone has their own methods for finding great value opportunities, but our model includes pairing an impressive grade in the Value category of our Style Scores system with a strong Zacks Rank. The Zacks Rank is a proven s ...

AUSTIN, Texas, July 29, 2024 /PRNewswire/ -- AppBrilliance, a pioneer in real-time payment solutions with its cutting-edge Money API™ platform, is leveraging a recent rule change by The Clearing House to expand use-cases for Real Time Payments (RTP) to closed-loop digital wallets in the US. Companies like Starbucks™, CVS™, Dunkin™', Chick-fil-A™ and many other successful businesses have long provided engaging customer payment experiences with their closed-loop wallets, but had to rely on funding those accou ...

文章核心观点 - 根据Zacks评级系统,Truist Financial Corporation (TFC)被评为Zacks Rank 2(买入),这主要反映了其盈利预测呈上升趋势,这是影响股价的最强大力量之一 [1][4] - Zacks评级系统通过跟踪分析师对公司当前及未来年度盈利预测的变化来评级,这比单纯的分析师评级更能反映公司的基本面变化 [2][3] - 盈利预测的变化是影响股价短期走势的最关键因素,因为机构投资者会根据盈利预测调整公司的估值,从而推动股价变动 [5][6] 根据目录分类总结 盈利预测变化对股价的影响 - 盈利预测的变化与股价走势高度相关,这是因为机构投资者会根据盈利预测调整公司估值,从而推动股价变动 [5] - Zacks评级系统能有效利用盈利预测变化这一强大力量,这也是其优于单纯的分析师评级的原因 [7] Zacks评级系统介绍 - Zacks评级系统根据4个与盈利预测相关的因素将股票划分为5个等级,其中前20%的股票被评为"买入"评级 [8] - Zacks Rank 1(强烈买入)股票过去平均年收益率达25% [8] Truist Financial公司情况 - Truist Financial 2024财年每股收益预计为3.53美元,同比下降1.7% [9] - 过去3个月内,分析师对Truist Financial的盈利预测不断上调,上调幅度达6.5% [10] - 被评为Zacks Rank 2(买入)意味着Truist Financial的盈利预测修正能力位于Zacks覆盖股票的前20%,有望在短期内跑赢大盘 [12]

Momentum investing revolves around the idea of following a stock's recent trend in either direction. In the 'long' context, investors will be essentially be "buying high, but hoping to sell even higher." With this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving that way. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.While many investors like to look for moment ...