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Sentiment · FY2026 Q2
What companies say about each other on earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“we are excited to have partnered with Truist to launch the Truist Business Premium Visa Infinite card, a premium credit card designed for small businesses with meaningful annual spend.”
Truist launched a premium small-business Visa Infinite card, becoming the first super regional to do so; a new premium card win for Truist's commercial franchise.
“refreshing our merchant relationship with Truist, which will now support businesses of all sizes across the bank's large footprint including 1,900 branches”
Fiserv refreshed its Clover merchant distribution relationship with Truist across the bank's 1,900 branches.
“However, we do have exposure to First Brands, but this exposure is fully reflected in our loan loss reserve and our updated and improved 2025 net charge-off guidance.”
Truist discloses direct exposure to distressed borrower First Brands, already reserved for, a read-through on the auto-parts supplier's bankruptcy hitting bank lenders.
“Truist does not have any exposure to Tricolor.”
Management confirms Truist has no exposure to Tricolor, the collapsed subprime auto lender at the center of recent regional-bank credit concerns.
“primarily due to lower investment banking and trading income and lower wealth management income due to the sale of Sterling Capital Management in July 2024”
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| John Pancari | Evercore ISI | 13 (15%) |
| Mike Mayo | Wells Fargo | 12 (42%) |
| Ken Usdin | Autonomous Research | 12 (0%) |
| Matt O'Connor | Deutsche Bank | 10 (20%) |
| Scott Siefers | Piper Sandler | 10 (0%) |
| Ebrahim Poonawala | Bank of America | 10 (20%) |
| Erika Najarian | UBS | 10 (10%) |
| Betsy Graseck | Morgan Stanley | 9 (0%) |
| Gerard Cassidy | RBC Capital Markets | 8 (0%) |
| Chris McGratty | KBW | 5 (0%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Evercore ISI | 1 | 13 (15%) |
| Morgan Stanley | 2 | 13 (15%) |
| Autonomous Research | 1 | 12 (0%) |
| Wells Fargo | 1 |
Truist's divestiture of its Sterling Capital Management asset-management business in July 2024 continues to weigh on year-over-year wealth management income comparisons.
| 12 (42%) |
| Deutsche Bank | 1 | 10 (20%) |
| Bank of America | 1 | 10 (20%) |
| Piper Sandler | 1 | 10 (0%) |
| UBS | 1 | 10 (10%) |
Truist delivered 25% EPS growth to $1.09 with 250 basis points of operating leverage, as investment banking produced its highest quarterly revenue since 2021. ROTCE improved 150 basis points year-over-year to 13.8% while the company announced a new long-term target of 16-18% over three to five years. Management refined FY2026 revenue to the low end of 4-5%, lowered NII growth to 2-3% on a no-cut rate outlook, but raised share repurchases to approximately $5 billion, leaving overall earnings expectations unchanged.
Margin | Capital Allocation | Competitive Dynamics | Revenue Growth | Credit | Demand | Cost Pressure | Innovation & R&D | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 6 | 2 | 5 | 2 | 3 | 2 | 1 | |
| 2025Q1 | 3 | 3 | 2 | 1 | 4 | 1 | 1 | |
| 2025Q2 | 5 | 1 | 2 | 3 | 1 | 2 | 3 | 2 |
| 2025Q3 | 6 | 1 | 1 | 2 | 7 | 3 | 1 | 1 |
| 2025Q4 | 7 | 2 | 1 | 3 | 3 | 3 | ||
| 2026Q1 | 8 | 1 | 4 | 4 | 1 | 3 | 1 | |
| 2026Q2 | 4 | 9 | 3 | 2 | 4 | 1 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | '26Q2 | |
|---|---|---|---|---|---|---|---|
| Margin | 6 | 3 | 5 | 6 | 7 | 8 | 4 |
| Capital Allocation | 2 | 3 | 1 | 1 | 2 | 1 | 9 |
| Competitive Dynamics | 5 | 2 | 2 | 1 | 1 | 4 | 3 |
| Revenue Growth | 2 | 1 | 3 | 2 | 3 | 4 | 2 |
| Credit | 4 | 1 | 7 | 1 | 4 | ||
| Demand | 3 | 1 | 2 | 3 | 3 | 3 | |
| Cost Pressure | 2 | 1 | 3 | 1 | 3 | 1 | |
| Innovation & R&D | 1 | 2 | 1 | 1 | 1 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
TFC Truist Financial | 6 | +0.8% | |
| CFG Citizens Financial Group | 9 | +6.3% | |
| FITB Fifth Third Bancorp | 8 | +38.0% | |
| HBAN Huntington Bancshares | 7 | +26.3% | |
| KEY KeyCorp | 9 | +1.1% | |
| MTB M&T Bank | 7 | +2.1% | |
| PNC PNC Financial Services | 9 | +21.4% | |
| RF Regions Financial Corporation | 5 | -2.1% | |
| USB U.S. Bancorp | 9 | +3.8% |