What is Truist Financial's latest dividend and current dividend yield?

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What does Truist Financial do and what are its main business segments?

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- **Revenue Growth Acceleration**: Q3 revenue up 3.7% Q/Q, 2026 growth to more than double 2025's 1.5-2.5% range. 
- **AI-Driven Expansion**: 100 new branches with AI tech, 20,000+ new accounts Q3, 63% digital clients Gen Z/Millennials. 
- **Profit Target**: 15% ROTCE by 2027, supported by 10% CET1 capital target. 
- **Deposit Momentum**: Q4 deposit beta target mid-40%, $11B loans repricing at 7%. 
- **Credit Discipline**: NCOs 48bps (down 3bps Q/Q), NDFI portfolio 11% of loans with 50% in investment-grade REITs.

**【CEO Summary Section】**
- **Revenue Growth and Strategy**: Q3 net income of $1.3 billion ($1.04 EPS) driven by 3.7% linked-quarter revenue growth. Emphasis on AI-driven branch expansion, 100 new branches, and 300 renovations to enhance client engagement. 
- **2027 ROTCE Target**: Aims for 15% ROTCE by 2027, with 2026 revenue growth expected to more than double 2025's 1.5-2.5% range. 
- **Client Growth Metrics**: +20,000 new consumer/small business accounts Q3, 63% of digital clients Gen Z/Millennials. Consumer loans +2.5% Q/Q, wholesale loans +2.8% Q/Q. 
- **Capital Return**: $1.2B Q3 share buybacks, targeting $750M Q4. 

**【CFO Financial Commentary】**
- **Financial Highlights**: GAAP net income $1.3B ($1.04 EPS), noninterest income +9.9% Q/Q to $1.5B. NIM 3.01%, stable vs prior quarter. 
- **Expense Management**: Adjusted expenses +1% Q/Q, disciplined cost control. CET1 ratio 11%, targeting 10% by 2027. 
- **Interest Rate Outlook**: Anticipates mid-40% deposit beta in Q4, with $11B fixed rate loans repricing at ~7%. 
- **Asset Quality**: Net charge-offs 48bps (down 3bps Q/Q), NPLs 48bps of loans. 

**【Q&A Highlights】**
- **2026 Growth Path**: Revenue growth to more than double 2025 rate, driven by fee income (+5.1% Y/Y) and loan growth. Operating leverage to exceed 2025's 270bps improvement. 
- **Deposit Pricing**: Q4 deposit beta target mid-40%, benefiting from Fed rate cuts. 
- **Credit Quality**: NDFI portfolio 11% of loans, well diversified with 50% in REITs/asset securitization. First Brands exposure fully reserved. 
- **M&A Strategy**: Focused on organic growth, no plans for large acquisitions. 
- **AI Impact**: AI-driven chat function (Truist Assist) sees 7% YoY digital transaction growth, Gen Z/Millennial clients 63% of new digital users.

Truist Financial Corporation (TFC) Q3 2025 Earnings Call Transcript

- **Revenue Growth**: 2.1% QoQ driven by net interest income and noninterest income.
- **Loan Expansion**: 3.3% YoY growth, broad-based across consumer and wholesale segments.
- **Expense Management**: 1% growth target with positive operating leverage.
- **Capital Returns**: $750M repurchased in Q2, $500M planned for Q3.
- **Credit Quality**: Net charge-offs at 51 bps, nonperforming loans down 9 bps.
- **Digital Momentum**: 17% YoY digital account growth, 40% increase in financial management tool users.


**【CEO Summary Section】**
- Reported Q2 net income of $1.2 billion, or $0.90 per share, with restructuring charges and securities losses impacting EPS by $0.03.
- Loan growth of 3.3% year-over-year, driven by consumer segments (residential mortgage, indirect auto) and wholesale C&amp;I lending.
- Expense growth controlled at 1%, with $750 million of share repurchases and $1.4 billion total capital returned.
- Asset quality metrics improved, with nonperforming loans down 9 basis points and net charge-offs at 51 basis points.
- Digital innovation highlighted, including 17% year-over-year growth in digital account production and 40% increase in digital financial management tool users.

**【CFO Financial Commentary】**
- Adjusted revenue increased 2.1% quarter-over-quarter, with net interest income up 2.3% and noninterest income up 1.8%.
- Average loans grew 2% QoQ, with consumer loans up 2.7% and wholesale C&amp;I loans up 1.6%.
- Deposit growth of 2.1% QoQ, but short-term client deposits skewed average rates.
- Net interest margin improved 1 basis point to 3.02%, with $27 billion in fixed rate assets repricing.
- Full year guidance: 1.5-2.5% revenue growth, 1% expense growth, and 55-60 basis points net charge-offs.
- Q3 outlook: 2.5-3.5% revenue growth, 2% net interest income growth, and $500 million share repurchases.

**【Q&A Highlights】**
- **Loan Growth Drivers**: New clients, digital onboarding, and expansion in middle market and payments.
- **Deposit Costs**: Beta decline to 33%, with potential stabilization post-rate cuts.
- **Fee Revenue Recovery**: Investment banking and trading improving in June, with pipeline confidence.
- **Expense Control**: 1% growth target maintained, with focus on incentive alignment.
- **Credit Quality**: Strong asset metrics, with CRE office portfolio down $500 million QoQ.
- **Capital Management**: CET1 ratio at 11%, with plans to glide to 10% target.


Truist Financial Corporation (TFC) Q2 2025 Earnings Call Transcript

- **Q1 Strong Execution**: $1.2B net income, 1.3% loan growth, 13% digital account growth despite macro headwinds.
- **Capital Aggressiveness**: $750M Q2 buybacks (up to $250M opportunistic) with CET1 >11%.
- **Cost Control**: 5.4% linked expense decline; 130bps efficiency ratio improvement.
- **Risk Management**: Stable asset quality (NCOs 60bps, NPLs 48bps) amid macro uncertainty.
- **Strategic Investments**: AI tools (Truist Client Pulse), Premier Banking (+23% deposit growth), and digital expansion targeting Millennials/Gen Z.

**【CEO Opening Remarks】**
- **Strategic Priorities**: Growth in Premier Banking, Middle Market, Payments, and Wealth; cost discipline; AI investment (e.g., Truist Client Pulse); risk management; and capital returns.
- **Q1 Performance**: 
  - Net income: $1.2B ($0.87/share)
  - Loans/deposits: +1.3% linked quarter (consumer loans), +0.6% (deposits)
  - Digital accounts: 195K new (13% YoY growth)
- **Capital Actions**: $500M Q1 buybacks; up to $750M Q2 buybacks with $250M opportunistic increase.
- **Outlook**: Flat IB/trading; 1.5-2.5% revenue growth vs. prior 3-3.5%.

**【CFO Financial Details】**
- **Revenue**: $4.9B Q1, -3.2% linked due to lower NII (-2.4%) and non-interest income (-5.3%).
- **Expenses**: -5.4% linked to $2.9B, driven by cost control.
- **NII Guidance**: +3% YoY vs. prior +4%, due to curve flattening.
- **Asset Quality**: Stable NCOs (60bps), NPLs (48bps), and ALLL (1.58%).
- **Capital**: CET1 11.3%, down 20bps vs. prior quarter.

**【Q&A Highlights】**
1. **Buyback Strategy**: Opportunistic at current share price while maintaining strong capital (CET1 >11%).
2. **Deposit Costs**: 1.79% Q1, 43% beta to rate cuts; managing CD maturities and DDA mix.
3. **Loan Growth**: Driven by consumer (mortgage, auto) and C&I; pipelines remain strong despite macro uncertainty.
4. **IB/Trading**: Flat YoY outlook due to delayed client activity; Truist's advice-driven model positions for recovery.
5. **Competition**: Southeast remains competitive but Truist maintains share via client focus and digital innovation.

Truist Financial (TFC)-17 Apr 25-2025 Q1 Earnings call transcript

- **Revenue Growth**: 2024 adjusted revenue $20.1B, 2025 guided 3-3.5% growth
- **Investment Banking Dominance**: 2024 revenue up 46%, 2025 mid-single-digit growth
- **Market Expansion Success**: 25+ bankers added in NJ/PA/TX, 2024 loan production $3.5B
- **Capital Strength**: CET1 11.5%, 2025 targeting 10%+ long-term
- **Operational Efficiency**: 1.5% expense growth vs. 3.5% revenue, 150-200bp leverage

**【CEO Summary Section】**
- Reported Q4 net income of $1.2 billion, with full-year adjusted net income of $5 billion.
- 2024 strategic highlights include: 
  - 46% growth in investment banking and trading revenue
  - 0.4% decline in annual noninterest expenses
  - $725 million community recovery commitment post-Hurricane Helene
- 2025 priorities: talent acquisition, client relationship deepening, market expansion (NJ, PA, TX), tech investment, and cost discipline.

**【CFO Financial Commentary】**
- Q4 GAAP net income: $1.2 billion; full-year GAAP net income: $4.5 billion
- 2025 guidance: 
  - Revenue growth 3-3.5% (vs. 2024 adjusted $20.1 billion)
  - Net interest income driven by low single-digit loan growth and fixed rate repricing
  - Adjusted expenses to increase 1.5%, with 150-200bp positive operating leverage
- CET1 ratio: 11.5% at year-end, targeting 10%+ long-term

**【Q&A Key Themes】**
- **Loan Growth**: 1.1% Q4 end-period growth, 2025 outlook for low single-digit expansion
- **Market Expansion**: Organic growth in NJ, PA, TX via team additions (e.g., 25+ bankers in 2024)
- **Capital Management**: $500M quarterly share buybacks, CET1 at 11.5% vs. 10.1% AOCI-adjusted
- **Investment Banking**: 2024 revenue up 46%, 2025 mid-single-digit growth expected
- **Interest Rate Sensitivity**: 40% deposit beta, 2025 fixed rate loan repricing ($42B maturing at 6.36% yield)

Truist Financial (TFC)-17 Jan 25-2024 Q4 Earnings call transcript

Truist Financial (TFC)-17 Oct 24-2024 Q3 Earnings call transcript

Truist Financial (TFC)-22 Jul 24-2024 Q2 Earnings call transcript

Truist Financial Corporation (TFC) Q1 2024 Earnings Call Transcript

Truist Financial (TFC)-18 Jan 24-2023 Q4 Earnings call transcript

Truist Financial (TFC)-19 Oct 23-2023 Q3 Earnings call transcript

Truist Financial (TFC)-20 Jul 23-2023 Q2 Earnings call transcript

Truist Financial (TFC)-20 Apr 23-2023 Q1 Earnings call transcript

Truist Financial (TFC)-19 Jan 23-2022 Q4 Earnings call transcript

Truist Financial (TFC)-18 Oct 22-2022 Q3 Earnings call transcript

Truist Financial (TFC)-19 Jul 22-2022 Q2 Earnings call transcript

Truist Financial (TFC)-19 Apr 22-2022 Q1 Earnings call transcript

Truist Financial (TFC)-18 Jan 22-2021 Q4 Earnings call transcript

Truist Financial (TFC)-15 Oct 21-2021 Q3 Earnings call transcript

Truist Financial (TFC)-15 Jul 21-2021 Q2 Earnings call transcript

Truist Financial (TFC)-15 Apr 21-2021 Q1 Earnings call transcript

Truist Financial (TFC)-21 Jan 21-2020 Q4 Earnings call transcript

Truist Financial (TFC)-15 Oct 20-2020 Q3 Earnings call transcript

Truist Financial (TFC)-16 Jul 20-2020 Q2 Earnings call transcript

Truist Financial (TFC)-20 Apr 20-2020 Q1 Earnings call transcript

Truist Financial (TFC)-30 Jan 20-2019 Q4 Earnings call transcript

Truist Financial (TFC)-17 Oct 19-2019 Q3 Earnings call transcript

Truist Financial (TFC)-18 Jul 19-2019 Q2 Earnings call transcript

Truist Financial (TFC)-18 Apr 19-2019 Q1 Earnings call transcript

Truist Financial (TFC)-17 Jan 19-2018 Q4 Earnings call transcript

Truist Financial (TFC)-18 Oct 18-2018 Q3 Earnings call transcript

Truist Financial (TFC)-19 Jul 18-2018 Q2 Earnings call transcript

Truist Financial (TFC)-20 Apr 18-2018 Q1 Earnings call transcript

Truist Financial (TFC)-18 Jan 18-2017 Q4 Earnings call transcript

Truist Financial (TFC)-19 Oct 17-2017 Q3 Earnings call transcript

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