← All forecasts · October 12–16, 2026

TFC / Q3 2026 (quarter ended September 30, 2026)

Truist

Reported 2026-10-16

Published forecast

Oct 12, 2026, 2:19 AM PDT

Opus 5.5 High in Shortcut

Shortcut

1.16

Shortcut normalized EPS

-1.2% vs Street*

Street

1.17

Street normalized EPS

Frozen October 11 snapshot

Real

1.16

Issuer adjusted diluted EPS

Shortcut win

Shortcut off by $0.00 · Street off by $0.01.

Uses adjusted diluted EPS of $1.16 ($0.56 GAAP), excluding RAC loan-sale impacts and AFS securities repositioning. The score compares published values; exact adjustment matching remains unverified.

Issuer earnings release ↗

USD per diluted share

Explore the model.

Open the assumptions and calculations behind this earnings forecast.

TFC reviewed earnings model
Open in Shortcut ↗Download XLSX ↓

Model note: RAC treatment has up to $0.284/share sensitivity. Some supporting allocations remain unresolved.

Behind the estimate.

The model forecasts $1.16 per diluted share for the quarter ended September 30, 2026.

Forecast and independent review: Opus 5.5 High in Shortcut.

Model assumptions and review notes
  • Modeled normalized EPS; comparability with the frozen Street definition remains unconfirmed. The score compares published values directly.
  • F01 normalized treatment of RAC recapture/costs: RAC-inclusive basis $1.4399 (+$0.2842/sh); costs-only-not-excluded +$0.0535/sh. Public scoring withheld.
  • F02 preferred dividends 114 vs ~85.8 implied by consensus fields: ~-$0.023/sh basis gap (assumption, not error).
  • F03 calibration prior 0.78 / pseudo-count 8 (S30 playbook not in extraction) and -0.35 judgmental override; no EPS dependency.
  • F05 average securities +1% driver: -$0.0063/sh if flat.
  • F07 RAC segment attribution unsourced: segment split only.
  • F08 share-count judgments: up to +/-$0.0026/sh (timing weight +/-0.10).
  • F10 post-cutoff retrieval without archived snapshots; publication dates all pre-cutoff.
  • 3Q26E check rows are construction identities (Cover C26 PASS = mapping completeness only).

On the record.

Reporting period
Q3 2026 (quarter ended September 30, 2026), ended 2026-09-30
Reporting basis
Normalized diluted EPS per common share, USD (issuer adjusted EPS excluding selected items: RAC reserve recapture $535m pretax / $410m after tax, RAC transaction costs $65m after tax, AFS repositioning loss assumed not executed in 3Q26). normalized treatment of RAC items unverified; public scoring withheld (Cover!B55, I23).
Published
Oct 12, 2026, 2:19 AM PDT
Model / effort
Opus 5.5 · High effort

Original forecasts, models and publication times remain on the record.

Research sources