Truist三季度调整后每股收益1.16美元、同比增12% 完成55亿美元车贷组合出售
Truist Financial（纽交所代码：TFC）10月16日公布2026年第三季度业绩：调整后每股收益1.16美元，同比增长12%，略低于市场一致预期的1.17美元；季度总收入53.0亿美元，同比增长1.3%，略低于预期的53.5亿美元。调整后有形普通股权益回报率（ROTCE）同比提升100个基点至14.6%；管理层表示，存款增长、财富管理表现与费用控制达到或超过预期。
资产负债表调整是本季度的主线。Truist已完成55亿美元RAC车贷组合的出售，并同意出售77亿美元LightStream贷款组合，以降低信用风险和批发融资需求。管理层称，两笔交易预计将改善资本效率、有形账面价值以及未来的每股收益与ROTCE，但会使近期净利息收入承压。受低回报贷款收缩和还款增加影响，三季度平均贷款环比下降1.1%，投行业务收入也因市场波动有所递延。公司预计第四季度净利息收入为36.5亿至37亿美元，其中包括RAC出售带来的约1.25亿美元影响。
首席执行官莱昂斯（Mike Lyons）阐述了以关系型零售与批发银行为核心的战略，涵盖网点、数字渠道、支付、司库管理、财富管理和商业贷款等能力。公司正开展全行范围的审查，将资本与费用向战略业务重新配置，进一步细节预计2027年初公布。Truist重申2027年ROTCE达到15%、长期升至16%至18%的目标，并计划在第四季度回购约10亿美元股票。（GSM据Truist财报及业绩电话会信息）
Truist Q3 Adjusted EPS Rises 12% to $1.16 as Bank Completes $5.5 Billion Auto-Loan Sale
Truist Financial (NYSE: TFC) on October 16 reported third-quarter 2026 results, with adjusted earnings per share of $1.16, up 12% from a year earlier but a penny below the consensus estimate of $1.17. Total revenue was $5.30 billion, up 1.3% year over year and slightly below expectations of $5.35 billion. Adjusted return on tangible common equity improved 100 basis points year over year to 14.6%, and management said deposit growth, wealth management performance and expense control met or exceeded expectations.
Balance-sheet reshaping was the quarter's main theme. Truist completed the $5.5 billion sale of its RAC auto-loan portfolio and agreed to sell $7.7 billion of LightStream loans, moves intended to reduce credit risk and wholesale funding needs. Management said the transactions should improve capital efficiency, tangible book value and future EPS and ROTCE, although they will reduce near-term net interest income. Average loans declined 1.1% sequentially as the bank reduced lower-return lending and saw higher paydowns, and investment banking revenue was delayed by market volatility. The bank expects fourth-quarter net interest income of $3.65 billion to $3.7 billion, including a roughly $125 million impact from the RAC sale.
CEO Mike Lyons outlined a strategy centered on relationship-based consumer and wholesale banking, spanning branches, digital channels, payments, treasury management, wealth and commercial lending. Truist is conducting a company-wide review to redirect capital and expenses toward strategic businesses, with further details expected in early 2027. The bank reiterated its target of 15% ROTCE in 2027 and 16% to 18% over the long term, and plans roughly $1 billion of share repurchases in the fourth quarter. (GSM, based on Truist's earnings release and conference call)
发布：GSM·美国（发布链接）
图片来源：图：北卡罗来纳州夏洛特市中心天际线，其中包括Truist总部大楼Truist Center。图片来源：Kiran891，Wikimedia Commons，CC BY-SA 4.0。Photo: The downtown Charlotte, North Carolina skyline, including Truist Center, the bank's headquarters tower. Source: Kiran891, via Wikimedia Commons, CC BY-SA 4.0.
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