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Truist Financial (TFC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 28, 2026 · Truist Financial (TFC) Q3 2026 earnings results →
Q3 2026 Revenue down 28% year over year to $3.7B · 18¢ of every $1 of revenue kept as net profit · operating margin 23.9%
Truist Financial made $3.7B in Q3 2026 (-28% Y/Y): Net interest income $3.7B, Noninterest income $84.0M. Operating margin 23.9%, net earnings $684M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 28, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $3.7B in Q3 2026, down 28% year over year and down 29% from the previous quarter. Net interest income was the largest line at 98% of revenue. Noninterest income lost $1.5B year over year (down 95%), 102% of the total change.
Operating profit was $0.90B, a 23.9% margin (down 9.6 points year over year). Total costs fell 17% while revenue fell 28%. Net earnings were $0.68B, down 49% year over year. The effective tax rate was 10.7%.
Operating cash flow was $1.8B (up 18% year over year), 221% of net income including minority interests. Working capital and other items added $1.0B.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 28, 2026 | $3.7B | -28% | 23.9% | $684M | $1.8B |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Truist Financial
Truist Financial Corporation is a purpose-driven financial services company committed to inspiring and building better lives and communities. Headquartered in Charlotte, North Carolina, Truist has leading market share in many of the high-growth markets in the U.S. and offers a wide range of products and services through its WB and CSBB operating segments, including consumer and small business banking, commercial and corporate banking, investment banking and capital markets, wealth management, payments, and specialized lending businesses. Refer to the “Segment Results” section in MD&A and “Note 21. Operating Segments” for additional information on the Company’s reportable segments.
In its own words, from its 10-K, filed Feb 24, 2026.
Truist Financial against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -28% against the peers' median +8%. Operating margin: 23.9% against the peers' median 32.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| HBAN Huntington Bancshares | Q3 2026 | $2.8B | +31% | 32.1% |
Source: Truist Financial 10-Q on SEC EDGAR · CIK 92230 · National Commercial Banks
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History
Every quarter: Q3 2026 results