(TFC) Truist Financial - Overview
Stock: Banking, Lending, Deposits, Wealth Management, Insurance
| Risk 5d forecast | |
|---|---|
| Volatility | 31.0% |
| Relative Tail Risk | -7.35% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.60 |
| Alpha | 3.56 |
| Character TTM | |
|---|---|
| Beta | 1.072 |
| Beta Downside | 1.377 |
| Drawdowns 3y | |
|---|---|
| Max DD | 45.95% |
| CAGR/Max DD | 0.18 |
EPS (Earnings per Share)
Revenue
Description: TFC Truist Financial January 29, 2026
Truist Financial Corp (NYSE:TFC) is a regional-bank holding company headquartered in Charlotte, NC, that serves the Southeast and Mid-Atlantic U.S. through two operating segments: Consumer & Small Business Banking and Wholesale Banking. Its product suite spans retail deposits (checking, savings, money-market, CDs, IRAs), a full range of consumer and small-business loans (auto, credit-card, home-equity, mortgage, commercial), and wholesale services including asset-based lending, treasury, capital-markets, and wealth-management solutions.
Recent performance metrics (Q3 2025): net interest margin (NIM) held at 3.15% ± 0.05 bps, reflecting modest compression as the Federal Funds Rate settled near 5.25%; total loan portfolio grew 4.2% YoY, led by a 6.8% increase in commercial real-estate loans; deposits rose 3.1% YoY to $480 bn, with a 0.9% shift toward interest-bearing accounts, indicating modest rate-sensitivity among customers.
Key macro drivers affecting Truist include the Federal Reserve’s policy stance (higher rates pressure NIM but also boost loan-rate income), regional housing market dynamics (home-price appreciation slowed to 2.3% YoY in the Southeast, tempering mortgage demand), and credit-quality trends (non-performing loan ratio held at 0.68%, below the regional-bank average of 0.81%).
For a data-driven deep-dive into Truist’s valuation sensitivities and scenario analysis, a quick look at ValueRay’s model can help surface the most material assumptions.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 5.31b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.01 > 1.0 |
| NWC/Revenue: -188.7% < 20% (prev -1481 %; Δ 1292 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 3.93b > Net Income 5.31b |
| Net Debt (33.42b) to EBITDA (7.05b): 4.74 < 3 |
| Current Ratio: 0.87 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.29b) vs 12m ago -3.65% < -2% |
| Gross Margin: 62.21% > 18% (prev 0.47%; Δ 6174 % > 0.5%) |
| Asset Turnover: 5.64% > 50% (prev 4.57%; Δ 1.08% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBITDA TTM 7.05b / Interest Expense TTM 10.12b) |
Altman Z'' -0.40
| A: -0.10 (Total Current Assets 370.81b - Total Current Liabilities 428.24b) / Total Assets 547.54b |
| B: 0.05 (Retained Earnings 26.07b / Total Assets 547.54b) |
| C: 0.01 (EBIT TTM 6.35b / Avg Total Assets 539.36b) |
| D: 0.06 (Book Value of Equity 26.61b / Total Liabilities 482.35b) |
| Altman-Z'' Score: -0.40 = B |
Beneish M 1.00
| DSRI: 19.53 (Receivables 325.45b/13.28b, Revenue 30.44b/24.25b) |
| GMI: 0.76 (GM 62.21% / 47.04%) |
| AQI: 0.36 (AQ_t 0.32 / AQ_t-1 0.88) |
| SGI: 1.26 (Revenue 30.44b / 24.25b) |
| TATA: 0.00 (NI 5.31b - CFO 3.93b) / TA 547.54b) |
| Beneish M-Score: 11.81 (Cap -4..+1) = D |
What is the price of TFC shares?
Over the past week, the price has changed by -4.30%, over one month by +4.87%, over three months by +19.36% and over the past year by +14.26%.
Is TFC a buy, sell or hold?
- StrongBuy: 7
- Buy: 3
- Hold: 13
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the TFC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 56.4 | 8.7% |
| Analysts Target Price | 56.4 | 8.7% |
TFC Fundamental Data Overview February 12, 2026
P/E Forward = 12.0627
P/S = 3.752
P/B = 1.1319
P/EG = 1.3707
Revenue TTM = 30.44b USD
EBIT TTM = 6.35b USD
EBITDA TTM = 7.05b USD
Long Term Debt = 41.96b USD (from longTermDebt, last quarter)
Short Term Debt = 27.84b USD (from shortTermDebt, last quarter)
Debt = 69.80b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 33.42b USD (from netDebt column, last quarter)
Enterprise Value = 93.57b USD (69.13b + Debt 69.80b - CCE 45.37b)
Interest Coverage Ratio = 0.63 (Ebit TTM 6.35b / Interest Expense TTM 10.12b)
EV/FCF = 23.80x (Enterprise Value 93.57b / FCF TTM 3.93b)
FCF Yield = 4.20% (FCF TTM 3.93b / Enterprise Value 93.57b)
FCF Margin = 12.92% (FCF TTM 3.93b / Revenue TTM 30.44b)
Net Margin = 17.44% (Net Income TTM 5.31b / Revenue TTM 30.44b)
Gross Margin = 62.21% ((Revenue TTM 30.44b - Cost of Revenue TTM 11.50b) / Revenue TTM)
Gross Margin QoQ = 68.49% (prev 60.57%)
Tobins Q-Ratio = 0.17 (Enterprise Value 93.57b / Total Assets 547.54b)
Interest Expense / Debt = 3.46% (Interest Expense 2.41b / Debt 69.80b)
Taxrate = 13.43% (210.0m / 1.56b)
NOPAT = 5.50b (EBIT 6.35b * (1 - 13.43%))
Current Ratio = 0.87 (Total Current Assets 370.81b / Total Current Liabilities 428.24b)
Debt / Equity = 1.07 (Debt 69.80b / totalStockholderEquity, last quarter 65.19b)
Debt / EBITDA = 4.74 (Net Debt 33.42b / EBITDA 7.05b)
Debt / FCF = 8.50 (Net Debt 33.42b / FCF TTM 3.93b)
Total Stockholder Equity = 65.08b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.98% (Net Income 5.31b / Total Assets 547.54b)
RoE = 8.15% (Net Income TTM 5.31b / Total Stockholder Equity 65.08b)
RoCE = 5.93% (EBIT 6.35b / Capital Employed (Equity 65.08b + L.T.Debt 41.96b))
RoIC = 4.51% (NOPAT 5.50b / Invested Capital 121.77b)
WACC = 6.41% (E(69.13b)/V(138.93b) * Re(9.86%) + D(69.80b)/V(138.93b) * Rd(3.46%) * (1-Tc(0.13)))
Discount Rate = 9.86% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.84%
[DCF Debug] Terminal Value 85.39% ; FCFF base≈3.87b ; Y1≈4.31b ; Y5≈5.67b
Fair Price DCF = 86.62 (EV 142.78b - Net Debt 33.42b = Equity 109.36b / Shares 1.26b; r=6.41% [WACC]; 5y FCF grow 13.32% → 2.90% )
EPS Correlation: -51.92 | EPS CAGR: -2.47% | SUE: 0.82 | # QB: 0
Revenue Correlation: 8.07 | Revenue CAGR: 9.24% | SUE: 3.49 | # QB: 6
EPS next Quarter (2026-03-31): EPS=1.00 | Chg30d=-0.035 | Revisions Net=-5 | Analysts=14
EPS current Year (2026-12-31): EPS=4.49 | Chg30d=+0.035 | Revisions Net=+6 | Growth EPS=+11.9% | Growth Revenue=+4.5%
EPS next Year (2027-12-31): EPS=5.11 | Chg30d=+0.067 | Revisions Net=+3 | Growth EPS=+13.9% | Growth Revenue=+4.2%