Strong EPS Growth
Basic EPS rose 25.0% year-over-year to $1.10 in Q1 FY2026 (from $0.88), and diluted EPS increased 25.3% to $1.09 (from $0.87), reflecting meaningful improvement in bottom-line profitability.
Source: 10-Q Income Statement Data
Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
AI Takeaway
TFC delivered strong Q1 FY2026 earnings with EPS rising 25% year-over-year to $1.10 (basic), though operating cash flow declined 9% and long-term debt surged nearly 30%, signaling balance sheet expansion amid tighter liquidity.
EPS (Diluted)
$1.09
+25.29% YoY
Source: SEC XBRL
Truist Financial (TFC) generated $679M of operating cash flow in Q1 FY2026, down 9.0% year over year. TFC's fiscal Q1 FY2026 corresponds to calendar Q1 2026.
Last 4 quarters: 4 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 1.23 | 1.09 | Beat +12.9% |
| Mar 2026This filing | 1.09 | 1.00 | Beat +8.6% |
| Dec 2025 | 1.12 | 1.11 | Beat +1.3% |
| Sep 2025 | 1.07 | 1.01 | Beat +6.1% |
Reported EPS of $1.09 versus the $1.00 analyst consensus — a +8.6% beat for Mar 2026.
Compiled by AI from this SEC filing
Basic EPS rose 25.0% year-over-year to $1.10 in Q1 FY2026 (from $0.88), and diluted EPS increased 25.3% to $1.09 (from $0.87), reflecting meaningful improvement in bottom-line profitability.
Source: 10-Q Income Statement Data
Total assets grew 2.4% year-over-year to approximately $549.0B, while total liabilities rose 2.9% to $484.8B, indicating the company is growing its asset base primarily through increased leverage.
Source: 10-Q Balance Sheet Data
Long-term debt jumped 29.9% year-over-year to $41.6B from $32.0B, a significant increase that warrants monitoring given the already elevated debt-to-equity ratio of approximately 7.55x.
Source: 10-Q Balance Sheet Data
Share repurchases more than doubled year-over-year, rising 126.8% to $1.13B in Q1 FY2026 from $500M in the prior-year period, demonstrating management's confidence in the stock but also consuming capital.
Source: 10-Q Cash Flow Statement Data
Operating cash flow fell 9.0% year-over-year to $679M from $746M, while financing cash flow dropped 67.2% to $1.08B, suggesting tighter near-term liquidity despite strong reported earnings.
Source: 10-Q Cash Flow Statement Data
Compiled by AI from this SEC filing · 2 high, 2 medium, 1 low
TFC's debt-to-equity ratio stands at approximately 7.55x, and long-term debt surged 29.9% year-over-year to $41.6B. This high leverage amplifies sensitivity to interest rate changes and could constrain financial flexibility in a tightening credit environment.
Source: 10-Q Balance Sheet Data
Operating cash flow declined 9.0% year-over-year to $679M despite strong EPS growth, suggesting a potential divergence between reported earnings and cash generation. Sustained weakness in cash conversion could pressure dividend sustainability and capital allocation.
Source: 10-Q Cash Flow Statement Data
Share repurchases surged 126.8% to $1.13B in Q1 FY2026, significantly exceeding operating cash flow of $679M for the period. This implies the company is funding buybacks through debt or other financing activities, which may not be sustainable long-term.
Source: 10-Q Cash Flow Statement Data
Total liabilities grew 2.9% year-over-year versus total asset growth of 2.4%, meaning the equity cushion is being gradually eroded. Stockholders' equity of $64.2B relative to $484.8B in liabilities leaves limited buffer against asset quality deterioration.
Source: 10-Q Balance Sheet Data
Investing cash outflows increased 18.8% year-over-year to -$1.94B, indicating accelerating capital deployment. If these investments do not generate adequate returns, they could weigh on future profitability and cash generation.
Source: 10-Q Cash Flow Statement Data
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
EPS (Basic) $ | 1.10 $ | 0.88 $ | +25.00% |
EPS (Diluted) $ | 1.09 $ | 0.87 $ | +25.29% |
Answers draw on this SEC filing and the data on this page
In Q2 FY2026, Truist Financial Corporation (TFC) delivered strong financial results with diluted EPS increasing 36.7% YoY to $1.23, supported by 17.4% growth in noninterest income and strong capital deployment including $1.2B in share repurchases.
TFC (Truist Financial) delivered strong FY2025 results with EPS growing 15.2% year-over-year to $3.87 (basic), driven by a 165.2% surge in operating cash flow to $5.74B, though long-term debt rose 20.0% and the high debt-to-equity ratio of 7.40 warrants monitoring.
Other companies in Diversified Banks