Overview Dividends

(TFC) Truist Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US89832Q1094

Checking, Savings, Loans, Mortgages, Cards

TFC EPS (Earnings per Share)

EPS Growth (3Y CAGR): -7.15%
EPS Trend (3Y Correlation): -38.2%

TFC Revenue

Revenue Growth (3Y CAGR): -1.79%
Revenue Trend (3Y Correlation): -5.4%

Risk via 10d forecast
Volatility	27.9%
Value at Risk 5%th	42.4%
Relative Tail Risk	-7.71%

Reward TTM
Sharpe Ratio	0.03
Alpha	-13.27

Character TTM
Hurst Exponent	0.522
Beta	1.098
Beta Downside	1.418

Drawdowns 3y
Max DD	47.43%
Mean DD	17.12%
Median DD	14.74%

Description: TFC Truist Financial September 26, 2025

Truist Financial Corp (NYSE:TFC) is a full-service regional bank headquartered in Charlotte, NC, operating primarily in the Southeast and Mid-Atlantic United States. It offers a broad spectrum of deposit products-including non-interest-bearing and interest-bearing checking, savings, money-market accounts, CDs, and IRAs-alongside a wide array of lending and wealth-management services.

The firm is organized into two operating segments: Consumer & Small Business Banking, which handles retail deposits, credit cards, auto and mortgage lending, and small-business financing; and Wholesale Banking, which provides commercial loans, treasury services, asset-based lending, derivatives, investment banking, and private-banking solutions. This structure allows Truist to cross-sell across consumer and corporate client bases.

Recent quarterly data (Q2 2024) show a net interest margin of 3.45% and an efficiency ratio of 58%, both modestly better than the regional-bank average, reflecting cost-control initiatives and a favorable loan-to-deposit ratio of 77%. The bank’s return on equity (ROE) stood at 11.2%, indicating solid profitability relative to peers, while its loan growth of 5% YoY was driven largely by mortgage and commercial real-estate lending.

Key economic drivers for Truist include the Federal Reserve’s interest-rate policy, which directly impacts net interest income, and regional housing market dynamics that affect mortgage demand. Additionally, the competitive landscape among regional banks-especially the consolidation trend following the 2019 BB&T-SunTrust merger-creates both integration risk and scale-related opportunities.

For a deeper dive into Truist’s valuation metrics and scenario analysis, you might find ValueRay’s interactive tools useful for building a more data-driven investment thesis.

TFC Stock Overview

Market Cap in USD	57,720m
Sub-Industry	Regional Banks
IPO / Inception	1990-03-26
Return 12m vs S&P 500	-11.2%
Analyst Rating	3.74 of 5

TFC Dividends

Dividend Yield	3.44%
Yield on Cost 5y	4.01%
Yield CAGR 5y	3.68%
Payout Consistency	95.1%
Payout Ratio	55.5%

TFC Growth Ratios

CAGR 3y	5.40%
CAGR/Max DD Calmar Ratio	0.11
CAGR/Mean DD Pain Ratio	0.32
Current Volume	11445.1k
Average Volume	8580.7k

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (5.07b TTM) > 0 and > 6% of Revenue (6% = 1.79b TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.04pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1273 % (prev -1394 %; Δ 121.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 3.70b <= Net Income 5.07b (YES >=105%, WARN >=100%)

Net Debt (34.25b) to EBITDA (6.83b) ratio: 5.02 <= 3.0 (WARN <= 3.5)

Current Ratio 0.11 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (1.31b) change vs 12m ago -3.27% (target <= -2.0% for YES)

Gross Margin 59.38% (prev 47.73%; Δ 11.65pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.58% (prev 4.78%; Δ 0.80pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.59 (EBITDA TTM 6.83b / Interest Expense TTM 10.29b) >= 6 (WARN >= 3)

Altman Z'' -4.28

(A) -0.70 = (Total Current Assets 45.56b - Total Current Liabilities 424.28b) / Total Assets 543.85b

(B) 0.05 = Retained Earnings (Balance) 25.44b / Total Assets 543.85b

(D) 0.05 = Book Value of Equity 25.46b / Total Liabilities 478.20b

Total Rating: -4.28 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 49.13

1. Piotroski 3.0pt = -2.0

2. FCF Yield 4.29% = 2.15

3. FCF Margin 12.43% = 3.11

4. Debt/Equity 1.08 = 1.94

5. Debt/Ebitda 5.02 = -2.50

6. ROIC - WACC (= -1.53)% = -1.91

7. RoE 7.84% = 0.65

8. Rev. Trend -5.39% = -0.40

9. EPS Trend -38.15% = -1.91

What is the price of TFC shares?

As of November 15, 2025, the stock is trading at USD 45.33 with a total of 11,445,147 shares traded.
Over the past week, the price has changed by +3.00%, over one month by +5.54%, over three months by +1.16% and over the past year by +1.11%.

Is Truist Financial a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Truist Financial (NYSE:TFC) is currently (November 2025) a stock to sell. It has a ValueRay Fundamental Rating of 49.13 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TFC is around 42.62 USD . This means that TFC is currently overvalued and has a potential downside of -5.98%.

Is TFC a buy, sell or hold?

Truist Financial has received a consensus analysts rating of 3.74. Therefor, it is recommend to hold TFC.

Strong Buy: 7
Buy: 3
Hold: 13
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the TFC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	50.6	11.5%
Analysts Target Price	50.6	11.5%
ValueRay Target Price	46.4	2.3%

TFC Fundamental Data Overview November 11, 2025

Market Cap USD = 57.72b (57.72b USD * 1.0 USD.USD)
P/E Trailing = 12.0965
P/E Forward = 10.0705
P/S = 3.1575
P/B = 0.9662
P/EG = 1.1068
Beta = 0.886
Revenue TTM = 29.76b USD
EBIT TTM = 6.05b USD
EBITDA TTM = 6.83b USD
Long Term Debt = 34.96b USD (from longTermDebt, last fiscal year)
Short Term Debt = 29.38b USD (from shortTermDebt, last quarter)
Debt = 71.11b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 34.25b USD (from netDebt column, last quarter)
Enterprise Value = 86.24b USD (57.72b + Debt 71.11b - CCE 42.58b)
Interest Coverage Ratio = 0.59 (Ebit TTM 6.05b / Interest Expense TTM 10.29b)
FCF Yield = 4.29% (FCF TTM 3.70b / Enterprise Value 86.24b)
FCF Margin = 12.43% (FCF TTM 3.70b / Revenue TTM 29.76b)
Net Margin = 17.05% (Net Income TTM 5.07b / Revenue TTM 29.76b)
Gross Margin = 59.38% ((Revenue TTM 29.76b - Cost of Revenue TTM 12.09b) / Revenue TTM)
Gross Margin QoQ = 57.73% (prev 59.56%)
Tobins Q-Ratio = 0.16 (Enterprise Value 86.24b / Total Assets 543.85b)
Interest Expense / Debt = 3.74% (Interest Expense 2.66b / Debt 71.11b)
Taxrate = 18.02% (285.0m / 1.58b)
NOPAT = 4.96b (EBIT 6.05b * (1 - 18.02%))
Current Ratio = 0.11 (Total Current Assets 45.56b / Total Current Liabilities 424.28b)
Debt / Equity = 1.08 (Debt 71.11b / totalStockholderEquity, last quarter 65.65b)
Debt / EBITDA = 5.02 (Net Debt 34.25b / EBITDA 6.83b)
Debt / FCF = 9.26 (Net Debt 34.25b / FCF TTM 3.70b)
Total Stockholder Equity = 64.70b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.93% (Net Income 5.07b / Total Assets 543.85b)
RoE = 7.84% (Net Income TTM 5.07b / Total Stockholder Equity 64.70b)
RoCE = 6.07% (EBIT 6.05b / Capital Employed (Equity 64.70b + L.T.Debt 34.96b))
RoIC = 4.32% (NOPAT 4.96b / Invested Capital 114.95b)
WACC = 5.85% (E(57.72b)/V(128.82b) * Re(9.28%) + D(71.11b)/V(128.82b) * Rd(3.74%) * (1-Tc(0.18)))
Discount Rate = 9.28% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.08%
[DCF Debug] Terminal Value 75.31% ; FCFE base≈3.73b ; Y1≈4.07b ; Y5≈5.14b
Fair Price DCF = 56.20 (DCF Value 71.89b / Shares Outstanding 1.28b; 5y FCF grow 10.46% → 3.0% )
EPS Correlation: -38.15 | EPS CAGR: -7.15% | SUE: 2.00 | # QB: 1
Revenue Correlation: -5.39 | Revenue CAGR: -1.79% | SUE: 0.70 | # QB: 0

Additional Sources for TFC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle