Truist (TFC) Q4 2025 Earnings Call Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
0mins
Should l Buy TFC?
Source: NASDAQ.COM
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Analyst Views on TFC
Wall Street analysts forecast TFC stock price to rise
17 Analyst Rating
10 Buy
6 Hold
1 Sell
Moderate Buy
Current: 46.710
Low
50.00
Averages
55.93
High
64.00
Current: 46.710
Low
50.00
Averages
55.93
High
64.00
About TFC
Truist Financial Corporation is a financial services company. As a commercial bank, it offers a range of products and services through its wholesale and consumer businesses, including consumer and small business banking, commercial banking, corporate and investment banking, wealth management, payments, and specialized lending businesses. Its segments include Consumer and Small Business Banking (CSBB) and Wholesale Banking (WB). CSBB segment serves retail, premier, and small business clients, providing transaction, money market, savings, time deposits and payment services, credit cards, loans, and mortgages through digital banking, a network of community banking branches, ATMs, virtual service centers, and other channels. WB segment provides a comprehensive set of products, solutions, and advisory services to commercial, corporate, institutional and wealth clients. It also invests in certain affordable housing, new market tax credit, and renewable energy tax credit investments.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Analyst Cuts Schwab Price Target Amid Volatility
- Price Target Adjustment: Truist Securities analyst David Smith lowered Charles Schwab's price target from $122 to $120 per share while maintaining a buy rating; however, this led to a nearly 2% drop in share price, indicating investor sensitivity to short-term volatility.
- Earnings Forecast Increase: Despite expectations of lower trading revenue in the short term, Smith raised his earnings estimates for 2026 and 2027 to $5.95 and $7.30 per share respectively, reflecting confidence in the company's long-term profitability.
- Market Environment Analysis: The analyst noted that while the Iran war pressures the global economy, Schwab's diverse brokerage services are expected to provide stronger insulation against economic shocks, potentially positioning it as a significant player in the market.
- Investment Advice: Although Schwab is still viewed as a worthy investment, the Motley Fool analyst team did not include it in their current top ten stocks, advising investors to carefully consider market dynamics when making investment decisions.
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Analyst Cuts Charles Schwab Price Target Amid Market Volatility
- Price Target Cut: Analyst David Smith from Truist Securities lowered Charles Schwab's price target from $122 to $120 while maintaining a buy rating, leading to a nearly 2% drop in share price as investors reacted strongly to the news.
- Market Volatility Outlook: Smith anticipates short-term volatility in the securities markets that could impact client assets, yet he forecasts a recovery in the second half of the year, indicating a cautiously optimistic view on market conditions.
- Revenue Forecast Changes: Despite expecting lower revenue per trade through 2027, Smith raised his earnings estimates for 2026 and 2027 to $5.95 and $7.30 per share respectively, reflecting confidence in the company's future profitability.
- Economic Resilience: Smith believes that Schwab, with its diverse brokerage services, is better insulated against economic shocks than many perceive, positioning it as a significant player in the brokerage industry amidst global economic pressures.
See More
Market Volatility Amid Oil Price Concerns
- Market Bounce and Caution: Following President Trump's announcement of 'productive' talks between the U.S. and Russia, stocks surged on Monday; however, analysts warn that the market still faces new downward pressures, suggesting the rebound may merely be a 'dead cat bounce.'
- Impact of Economic Data: Analysts predict that any further declines in the stock market will primarily stem from economic data, particularly the 'stagflation' phenomenon of high inflation and low growth, which could lead to slow, gradual declines rather than violent swings.
- Oil Prices and Economic Resilience: Despite U.S. crude prices rising back to around $100 per barrel, Wells Fargo argues that the U.S. economy is better positioned to withstand oil shocks today, being a net exporter of fossil fuels and having historically low household energy expenditure percentages.
- Future Data Focus: Investors will closely monitor upcoming economic data, especially the March retail sales report, to gauge consumer behavior amid current economic turmoil, with market sentiment likely influenced by the duration of the ongoing conflict.
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Denial of Speculation: Citi has denied these acquisition reports, labeling them as "baseless speculation" and emphasizing its current strategy of organic growth and completing its transformation.
Market Reaction: The news of a potential acquisition led to a decline in Citi's stock, which fell by about 3%, reflecting bearish sentiment among retail investors.
Broader Implications: The potential acquisition could enhance Citi's deposit base and lending capacity, while also expanding its access to high-net-worth clients, indicating a strategic move to strengthen its market position.
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- Political Context: A deadline for peace talks between Iran and the U.S. is approaching, contributing to market volatility.
- Deadline Extension: The deadline for the peace talks has been extended, which may impact market reactions.
- Investor Sentiment: The combination of geopolitical tensions and market corrections is influencing investor sentiment.
See More
Wall Street's Latest Ratings: Apple and Dell Rated Buy
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Analyst Cuts Schwab Price Target Amid Volatility
- Price Target Adjustment: Truist Securities analyst David Smith lowered Charles Schwab's price target from $122 to $120 per share while maintaining a buy rating; however, this led to a nearly 2% drop in share price, indicating investor sensitivity to short-term volatility.
- Earnings Forecast Increase: Despite expectations of lower trading revenue in the short term, Smith raised his earnings estimates for 2026 and 2027 to $5.95 and $7.30 per share respectively, reflecting confidence in the company's long-term profitability.
- Market Environment Analysis: The analyst noted that while the Iran war pressures the global economy, Schwab's diverse brokerage services are expected to provide stronger insulation against economic shocks, potentially positioning it as a significant player in the market.
- Investment Advice: Although Schwab is still viewed as a worthy investment, the Motley Fool analyst team did not include it in their current top ten stocks, advising investors to carefully consider market dynamics when making investment decisions.
See More
Analyst Cuts Charles Schwab Price Target Amid Market Volatility
- Price Target Cut: Analyst David Smith from Truist Securities lowered Charles Schwab's price target from $122 to $120 while maintaining a buy rating, leading to a nearly 2% drop in share price as investors reacted strongly to the news.
- Market Volatility Outlook: Smith anticipates short-term volatility in the securities markets that could impact client assets, yet he forecasts a recovery in the second half of the year, indicating a cautiously optimistic view on market conditions.
- Revenue Forecast Changes: Despite expecting lower revenue per trade through 2027, Smith raised his earnings estimates for 2026 and 2027 to $5.95 and $7.30 per share respectively, reflecting confidence in the company's future profitability.
- Economic Resilience: Smith believes that Schwab, with its diverse brokerage services, is better insulated against economic shocks than many perceive, positioning it as a significant player in the brokerage industry amidst global economic pressures.
See More
Market Volatility Amid Oil Price Concerns
- Market Bounce and Caution: Following President Trump's announcement of 'productive' talks between the U.S. and Russia, stocks surged on Monday; however, analysts warn that the market still faces new downward pressures, suggesting the rebound may merely be a 'dead cat bounce.'
- Impact of Economic Data: Analysts predict that any further declines in the stock market will primarily stem from economic data, particularly the 'stagflation' phenomenon of high inflation and low growth, which could lead to slow, gradual declines rather than violent swings.
- Oil Prices and Economic Resilience: Despite U.S. crude prices rising back to around $100 per barrel, Wells Fargo argues that the U.S. economy is better positioned to withstand oil shocks today, being a net exporter of fossil fuels and having historically low household energy expenditure percentages.
- Future Data Focus: Investors will closely monitor upcoming economic data, especially the March retail sales report, to gauge consumer behavior amid current economic turmoil, with market sentiment likely influenced by the duration of the ongoing conflict.
See More
Citigroup Under Scrutiny as Bank Refutes Claims of Regional Lender Acquisition – C Shares Drop 3%
Citi Group's Potential Acquisition: Citi Group is reportedly considering acquiring U.S. regional banks with approximately $500 billion in assets, which could mark a significant shift from its focus on internal restructuring.
Denial of Speculation: Citi has denied these acquisition reports, labeling them as "baseless speculation" and emphasizing its current strategy of organic growth and completing its transformation.
Market Reaction: The news of a potential acquisition led to a decline in Citi's stock, which fell by about 3%, reflecting bearish sentiment among retail investors.
Broader Implications: The potential acquisition could enhance Citi's deposit base and lending capacity, while also expanding its access to high-net-worth clients, indicating a strategic move to strengthen its market position.
See More
Analysis and Outlook: Nasdaq Enters Correction Phase
- Market Status: The Nasdaq Composite has entered correction territory as of today.
- Political Context: A deadline for peace talks between Iran and the U.S. is approaching, contributing to market volatility.
- Deadline Extension: The deadline for the peace talks has been extended, which may impact market reactions.
- Investor Sentiment: The combination of geopolitical tensions and market corrections is influencing investor sentiment.
See More
Wall Street's Latest Ratings: Apple and Dell Rated Buy
- Apple and Dell Benefiting: Goldman Sachs reiterates Buy ratings for Apple (AAPL) and Dell (DELL), citing increased demand for PC hardware driven by the rise of open-source autonomous AI agents, which is expected to enhance their market performance.
- Abercrombie & Fitch Coverage Initiated: Needham initiates coverage on Abercrombie & Fitch (ANF) with a Buy rating and a $108 price target, believing that after a challenging FY25, the company's fundamentals are stabilizing, making it attractive for investors.
- Spotify Performance Outlook: Daiwa rates Spotify Technology (SPOT) as Outperform with a $535 price target, based on expectations of steady revenue growth, indicating confidence in its future development.
- Somnigroup International Upgrade: Jefferies upgrades Somnigroup International (SGI) from Hold to Buy, noting that SGI shares have fallen about 17% since the start of the Iran war, yet its valuation remains attractive, reflecting market confidence in its future growth potential.
See More
