Decide at what price you'd be comfortable buying and we'll help you stay ready.
Truist's earnings are centered on net interest income, with fee and markets income providing a meaningful but more variable contribution. Its multi-year reported results show substantial variation in earnings and fee income, alongside a generally declining common share base.
Core net interest income remained broadly steady, but third-quarter reported earnings were sharply affected by the AFS securities repositioning and RAC loan-sale effects. This shows how portfolio actions can temporarily outweigh the underlying spread contribution without, on their own, establishing a change in the bank's core earnings model.
Whether noninterest income normalizes after the AFS repositioning and RAC sale while net interest income remains steady.
| Metric | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 6.3B | 6.5B | 6.7B | 7.3B | 13.8B | 13B | 14.3B | 14.5B | 14.1B | 14.4B | |
| 7.1B | 7.4B | 8.1B | 9.4B | 15.5B | 13.8B | 16.6B | 24.5B | 25.1B | 24.5B | |
| 745m | 839m | 1.4B | 2.1B | 1.7B | 768m | 2.3B | 9.9B | 11B | 10.1B | |
| 4.2B | 4.5B | 4.6B | 5.3B | 8.9B | 9.3B | 5.7B | 5.5B | (813m) | 5.9B | |
| 10.6B | 11B | 11.3B | 12.6B | 22.7B | 22.3B | 20B | 20B | 13.3B | 20.3B | |
| (572m) | (547m) | (566m) | (615m) | — | 813m | (777m) | (2.1B) | (1.9B) | (1.9B) | |
| (6.5B) | (7.2B) | (6.6B) | (7.9B) | (17.2B) | (15.1B) | (12.2B) | (18.7B) | (12B) | (12.1B) | |
| 3.5B | 3.3B | 4.1B | 4B | 5.5B | 8B | 7B | (765m) | (601m) | 6.3B | |
| (1.1B) | (954m) | (830m) | (782m) | (981m) | (1.6B) | (1.3B) | (738m) | 556m | (1B) | |
| 2.4B | 2.4B | 3.2B | 3.2B | 4.5B | 6.4B | 5.8B | (1.5B) | (45m) | 5.3B | |
| (16m) | (21m) | (20m) | (13m) | (10m) | 3m | — | — | — | — | |
| 2.3B | 2.2B | 3.1B | 3B | 4.2B | 6B | 5.9B | (1.5B) | 4.5B | 5B | |
| 2.77 | 2.73 | 3.90 | 3.71 | 3.08 | 4.47 | 4.42 | (1.09) | 3.35 | 3.82 |
Alpha Spread
Preferences
We rebuilt our DCF valuation models from the ground up and upgraded how Intrinsic Value is calculated. Alpha Spread now selects the method that best fits each company.
You can now see how the new methodology performed across thousands of stocks on our new Valuation Backtest page. We update the results at the end of every month.
New to Alpha Spread? Create free account
By using Alpha Spread you are agreeing to our Terms of Service and Privacy Policy.
Already have an account? Sign in
Stock intrinsic value is the real worth of a company's stock, based on its financial health and performance.
Instead of looking at the stock's current market price, which can change due to people's opinions and emotions, intrinsic value helps us understand if a stock is truly a good deal or not.
By focusing on the company's actual financial strength, like its earnings and debts, we can make better decisions about which stocks to buy and when.
Read more