Truist Financial Q3 业绩小幅不及预期，同时宣布77亿美元Lightstream贷款组合出售给Carlyle，盘前下跌约2%

Truist Financial ( TFC ) stock initially dropped ~2.5% in Thursday premarket trading after the Charlotte, North Carolina-based bank posted Q3 results that took a hit from the sale of Regional Acceptance Corp., or RAC, loans. By ~7:04 AM ET, it pared the dip to 0.4%. Separately, the compan y agreed to sell $7.7B of unsecured consumer loans, representing substantially all assets of Lightstream, Truist's unsecured lending platform, to Carlyle Group ( CG ), it said Thursday. That transaction is expected to generate $7.2B of net proceeds, reduce its net charge-offs by ~7 basis points annually, and create ~$850M, or 20 bps of CET1 capital. Truist ( TFC ) plans to use the proceeds to repay wholesale borrowings and will evaluate repositioning its available-for-sale securities to offset capital generated by the sale. The actions are designed to simplify the company and focus its resources, capital, and expenses on the businesses that are more important for its clients, it added. "We delivered a solid quarter while also taking decisive actions to better position Truist for the future," said President and CEO Mike Lyons. "These actions strengthen our risk, liquidity, and funding profile and create greater capacity to invest in our best businesses." For Q4, Truist ( TFC ) expects adjusted revenue growth of ~$5.35B, higher than the $5.26B consensus and reflecting a $125M reduction from the sale of Regional Acceptance Corp. loans. Noninterest expenses are projected to rise 2.5% from Q3’s $3.1B. Its net charge-off ratio is expected to improve to ~0.45% from 0.77% in Q3. The lender expects to buy back ~$1B of its shares in Q4 vs. the $1.2B it bought back in Q3. Q3 adjusted EPS of $1.16, trailing the average analyst estimate of $1.17, fell from $1.23 in Q2 and rose from $1.04 in last year’s Q3. Q3 adjusted revenue of $5.30B, missing the $5.36B consensus, decreased from $5.31B in the prior quarter and $5.24B in the year-ago period. Including the effect of the RAC loan sale, total revenue (TE) in  Q3 2026 came to $3.75B. Net interest income (TE) of $3.71B, topping the S&P CapIQ consensus of $3.70B, climbed from $3.67B in Q2 and $3.68B in Q3 2025. Noninterest income of $0.08B plunged from $1.64B in the previous quarter and $1.56B a year ago, reflecting the sale of the  Regional Acceptance Corporation loan sale. As a result, the Q3 2026 noninterest income fell short of the $1.65B S&P CapIQ consensus by a long shot. Q3 adjusted noninterest expense of $3.07B increased from $3.06B in Q2 and $3.01B in last year's Q3. Truist’s ( TFC ) adjusted preprovision net revenue was $2.24B vs. $2.26B in Q2 and $2.22B in Q3 2025. Provision for credit losses was a benefit of $253M vs. provisions of $395M in Q2 and $436M in last year’s Q3. Average total deposits of $410.7B climbed from $404.9B in the prior quarter. Average total loans and leases were $325.5B vs. $329.2B in the prior quarter. Conference call at 8:00 AM ET.