NYSE$TFC

Truist Financial Corp · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

Reported strong performance for the quarter, benefiting from stable asset quality and diverse noninterest-income generating businesses.

Truist Financial Corporation reported earnings for the third quarter of 2020 with a net income available to common shareholders of $1.1 billion, up 45.3 percent compared to the third quarter last year. Earnings per diluted common share were $0.79, a decrease of 16.8 percent compared with the same period last year.

  • Earnings per diluted common share were $0.79; adjusted diluted earnings per share were $0.97.
  • ROA was 0.91 percent; adjusted ROA was 1.11 percent.
  • ROCE was 6.87 percent; adjusted ROCE was 8.50 percent.
  • ROTCE was 13.31 percent; adjusted ROTCE was 16.08 percent.

Headline financials

Total Revenue

$5.57B

Previous: $3B+85.5%
EPS (adj)

$0.97

Previous: $0.96+1.0%
GAAP Efficiency Ratio

67.4%

No prior period
Adjusted Efficiency Ratio

57.3%

No prior period
Net Charge-Offs

$0.42

No prior period
CET1 Ratio

10.0%

No prior period
Capital Expenditures

$130M

No prior period
Free Cash Flow

$1.14B

Previous: $828M+37.8%
Net Income

$1.14B

Previous: $828M+37.8%
Operating Income

$3.16B

Previous: $1.72B+83.7%
Gross Profit

$5.15B

Previous: $2.89B+78.5%
Cash & Equivalents

$37.1B

Previous: $3.02B+1129.6%
Total Assets

$499B

Previous: $237B+110.8%
Stock-Based Comp

$104M

Previous: $39M+166.7%

Revenue & EPS history

Truist · Revenue · Quarterly

$5.57B

Q3 2020+85.5%vs Q3 2019
Beat estimate in 11 of 16 quarters(69%)
ActualEstimate

Forward guidance

Truist will update and resubmit its capital plan in early November 2020 to reflect changes in financial markets and the macroeconomic outlook.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2020

Historical avgQ3 2020

+0.3%

Avg return

Earnings day

-0.0%

Avg return

5 days after

+0.9%

Avg return

30 days after

51%

37 / 72 earnings

Positive

+9.8%

Q2 2009

Best reaction

-9.5%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2025+0.4%+3.1%-5.0%
Q1 2026+1.7%+3.1%-5.0%
Q3 2025+3.8%+6.1%+9.2%
Q2 2025+0.3%-1.4%+0.9%
Q1 2025-0.3%+0.9%+15.0%
Q3 2024-1.9%-2.6%+4.5%
Q2 2024+4.1%+4.7%-0.8%
Q1 2024+3.2%+8.9%+12.1%
Q4 2023+4.7%+2.9%+0.9%
Q3 2023-5.5%-4.1%+11.2%
Q2 2023-7.1%-8.5%-19.1%
Q1 2023-9.5%-12.5%-14.6%
Q4 2022+4.8%+5.7%+6.0%
Q3 2022-4.5%-6.6%+1.6%
Q2 2022+2.0%+2.2%+9.2%
Q1 2022-0.2%-3.4%-12.4%
Q4 2021-4.2%-8.8%-7.2%
Q3 2021+1.8%+5.3%+3.4%
Q2 2021-0.1%-0.7%+5.4%
Q1 2021-3.1%-6.6%+3.3%
Q4 2020-0.9%-2.7%+11.5%
Q3 2020-1.4%-0.3%+11.7%
Q2 2020-1.7%+0.9%+7.0%
Q1 2020+1.9%+6.2%+1.1%
Q4 2019-4.3%-1.3%-14.3%
Q3 2019+1.8%+1.2%+3.1%
Q2 2019-3.4%-7.8%-7.3%
Q1 2019+3.2%+4.0%+10.0%
Q4 2018-0.4%+1.1%-9.7%
Q3 2018+1.6%+4.6%+7.1%
Q2 2018+0.7%+0.1%+1.3%
Q1 2018-2.1%+1.6%+1.5%
Q4 2017-0.5%+2.2%-7.2%
Q3 2017+1.0%+1.9%-4.7%
Q2 2017+0.9%+2.2%-1.6%
Q1 2017-1.1%-2.8%-4.5%
Q4 2016+0.4%+0.3%-7.6%
Q3 2016+0.2%+0.9%+15.0%
Q2 2016+0.3%-0.9%+2.7%
Q1 2016-0.1%
Q4 2015+4.1%
Q3 2015+0.1%
Q2 2015-0.8%
Q1 2015-1.3%
Q4 2014+0.5%
Q3 2014+1.6%
Q2 2014-1.3%
Q1 2014+1.5%
Q4 2013-0.1%
Q3 2013-1.6%
Q2 2013-0.1%
Q4 2012+1.9%
Q1 2013-1.6%
Q4 2011+2.5%
Q3 2012-1.3%
Q2 2012+0.2%
Q1 2012-0.2%
Q3 2011-4.7%
Q2 2011-4.6%
Q1 2011-0.3%
Q4 2009-0.3%
Q4 2010-0.3%
Q3 2010+0.4%
Q2 2010+2.3%
Q1 2009+5.6%
Q1 2010+1.6%
Q4 2007-1.5%
Q3 2009+2.5%
Q3 2008+2.5%
Q2 2008+9.8%
Q4 2008+9.8%
Q2 2009+9.8%

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