(TFC) Truist Financial - Ratings and Ratios
Banking, Lending, Investment, Deposit, Finance Services
TFC EPS (Earnings per Share)
TFC Revenue
Description: TFC Truist Financial
Truist Financial Corporation is a major financial services company operating in the Southeastern and Mid-Atlantic United States, offering a wide range of banking and trust services through its two main segments: Consumer and Small Business Banking, and Wholesale Banking.
The companys diverse product portfolio includes various deposit accounts, funding options, asset management services, lending products (such as automobile, credit card, and mortgage lending), and investment brokerage services. Additionally, it provides payment solutions, mobile/online banking, and wealth management/private banking services, catering to both individual and commercial clients.
From a performance perspective, key metrics to consider include the companys efficiency ratio, which indicates its ability to manage costs, and its net interest margin (NIM), reflecting its profitability from interest-earning assets. Truists return on equity (RoE) of 7.57% suggests a relatively stable return for shareholders. Furthermore, its forward price-to-earnings ratio of 11.61 implies a moderate valuation relative to expected earnings.
To further evaluate Truists financial health, one could examine its capital adequacy ratio, loan-to-deposit ratio, and asset quality metrics such as the non-performing assets (NPA) ratio and the allowance for loan losses (ALL) coverage ratio. These indicators can provide insights into the companys risk management and its ability to withstand potential economic downturns.
Given its market capitalization of approximately $59.8 billion, Truist Financial Corporation is a sizable player in the regional banking sector. Its position in the Southeastern and Mid-Atlantic United States provides a significant presence in a diverse economic region, potentially offering opportunities for growth and expansion.
TFC Stock Overview
| Market Cap in USD | 58,283m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1990-03-26 |
TFC Stock Ratings
| Growth Rating | 7.27% |
| Fundamental | 47.1% |
| Dividend Rating | 67.3% |
| Return 12m vs S&P 500 | -4.08% |
| Analyst Rating | 3.74 of 5 |
TFC Dividends
| Dividend Yield 12m | 4.79% |
| Yield on Cost 5y | 6.70% |
| Annual Growth 5y | 2.93% |
| Payout Consistency | 95.1% |
| Payout Ratio | 56.8% |
TFC Growth Ratios
| Growth Correlation 3m | 63.8% |
| Growth Correlation 12m | 9.1% |
| Growth Correlation 5y | -26.4% |
| CAGR 5y | 5.17% |
| CAGR/Max DD 3y | 0.11 |
| CAGR/Mean DD 3y | 0.35 |
| Sharpe Ratio 12m | -0.51 |
| Alpha | 0.02 |
| Beta | 0.743 |
| Volatility | 27.17% |
| Current Volume | 9131.8k |
| Average Volume 20d | 7389k |
| Stop Loss | 44 (-3%) |
| Signal | 0.55 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (5.22b TTM) > 0 and > 6% of Revenue (6% = 1.83b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -1.39pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1190 % (prev -1419 %; Δ 228.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 4.71b <= Net Income 5.22b (YES >=105%, WARN >=100%) |
| Net Debt (19.61b) to EBITDA (5.49b) ratio: 3.57 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.14 (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 -2.48% (target <= -2.0% for YES) |
| Gross Margin 59.72% (prev 47.19%; Δ 12.53pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.72% (prev 4.76%; Δ 0.96pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.46 (EBITDA TTM 5.49b / Interest Expense TTM 10.39b) >= 6 (WARN >= 3) |
Altman Z'' -4.11
| (A) -0.67 = (Total Current Assets 60.69b - Total Current Liabilities 422.75b) / Total Assets 543.83b |
| (B) 0.05 = Retained Earnings (Balance) 24.76b / Total Assets 543.83b |
| (C) 0.01 = EBIT TTM 4.80b / Avg Total Assets 531.84b |
| (D) 0.05 = Book Value of Equity 24.31b / Total Liabilities 478.99b |
| Total Rating: -4.11 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 47.05
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 5.40% = 2.70 |
| 3. FCF Margin 13.05% = 3.26 |
| 4. Debt/Equity 0.94 = 2.08 |
| 5. Debt/Ebitda 11.13 = -2.50 |
| 6. ROIC - WACC (= -2.58)% = -3.22 |
| 7. RoE 8.06% = 0.67 |
| 8. Rev. Trend -5.86% = -0.44 |
| 9. EPS Trend -69.96% = -3.50 |
What is the price of TFC shares?
Over the past week, the price has changed by +0.58%, over one month by +2.37%, over three months by +17.70% and over the past year by +13.69%.
Is Truist Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TFC is around 46.01 USD . This means that TFC is currently overvalued and has a potential downside of 1.39%.
Is TFC a buy, sell or hold?
- 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 | 48.7 | 7.4% |
| Analysts Target Price | 48.7 | 7.4% |
| ValueRay Target Price | 50.2 | 10.6% |
Last update: 2025-09-15 04:45
TFC Fundamental Data Overview
CCE Cash And Equivalents = 45.85b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 12.2493
P/E Forward = 10.1937
P/S = 3.2083
P/B = 0.989
P/EG = 1.9441
Beta = 0.857
Revenue TTM = 30.42b USD
EBIT TTM = 4.80b USD
EBITDA TTM = 5.49b USD
Long Term Debt = 44.43b USD (from longTermDebt, last quarter)
Short Term Debt = 16.63b USD (from shortTermDebt, last quarter)
Debt = 61.06b USD (Calculated: Short Term 16.63b + Long Term 44.43b)
Net Debt = 19.61b USD (from netDebt column, last quarter)
Enterprise Value = 73.49b USD (58.28b + Debt 61.06b - CCE 45.85b)
Interest Coverage Ratio = 0.46 (Ebit TTM 4.80b / Interest Expense TTM 10.39b)
FCF Yield = 5.40% (FCF TTM 3.97b / Enterprise Value 73.49b)
FCF Margin = 13.05% (FCF TTM 3.97b / Revenue TTM 30.42b)
Net Margin = 17.16% (Net Income TTM 5.22b / Revenue TTM 30.42b)
Gross Margin = 59.72% ((Revenue TTM 30.42b - Cost of Revenue TTM 12.25b) / Revenue TTM)
Tobins Q-Ratio = 3.02 (Enterprise Value 73.49b / Book Value Of Equity 24.31b)
Interest Expense / Debt = 4.20% (Interest Expense 2.57b / Debt 61.06b)
Taxrate = 18.04% (273.0m / 1.51b)
NOPAT = 3.93b (EBIT 4.80b * (1 - 18.04%))
Current Ratio = 0.14 (Total Current Assets 60.69b / Total Current Liabilities 422.75b)
Debt / Equity = 0.94 (Debt 61.06b / last Quarter total Stockholder Equity 64.84b)
Debt / EBITDA = 11.13 (Net Debt 19.61b / EBITDA 5.49b)
Debt / FCF = 15.38 (Debt 61.06b / FCF TTM 3.97b)
Total Stockholder Equity = 64.71b (last 4 quarters mean)
RoA = 0.96% (Net Income 5.22b, Total Assets 543.83b )
RoE = 8.06% (Net Income TTM 5.22b / Total Stockholder Equity 64.71b)
RoCE = 4.40% (Ebit 4.80b / (Equity 64.71b + L.T.Debt 44.43b))
RoIC = 3.46% (NOPAT 3.93b / Invested Capital 113.75b)
WACC = 6.04% (E(58.28b)/V(119.34b) * Re(8.75%)) + (D(61.06b)/V(119.34b) * Rd(4.20%) * (1-Tc(0.18)))
Shares Correlation 3-Years: -21.21 | Cagr: -0.22%
Discount Rate = 8.75% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 79.18% ; FCFE base≈6.79b ; Y1≈8.37b ; Y5≈14.28b
Fair Price DCF = 164.7 (DCF Value 212.40b / Shares Outstanding 1.29b; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -69.96 | EPS CAGR: -10.64% | SUE: -0.44 | # QB: 0
Revenue Correlation: -5.86 | Revenue CAGR: 9.76% | SUE: N/A | # QB: None
Additional Sources for TFC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle