(TFC) Truist Financial - Ratings and Ratios
Checking, Savings, Loans, Mortgages, Cards
TFC EPS (Earnings per Share)
TFC Revenue
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 | 56,172m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1990-03-26 |
TFC Stock Ratings
| Growth Rating | 7.38% |
| Fundamental | 49.7% |
| Dividend Rating | 63.1% |
| Return 12m vs S&P 500 | -10.4% |
| Analyst Rating | 3.74 of 5 |
TFC Dividends
| Dividend Yield 12m | 4.69% |
| Yield on Cost 5y | 6.03% |
| Annual Growth 5y | 3.68% |
| Payout Consistency | 95.1% |
| Payout Ratio | 44.1% |
TFC Growth Ratios
| Growth Correlation 3m | -13.2% |
| Growth Correlation 12m | 9.4% |
| Growth Correlation 5y | -28.8% |
| CAGR 5y | 7.03% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.15 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.41 |
| Sharpe Ratio 12m | -0.76 |
| Alpha | -8.94 |
| Beta | 0.855 |
| Volatility | 30.76% |
| Current Volume | 7313.1k |
| Average Volume 20d | 8417.4k |
| Stop Loss | 43 (-3%) |
| Signal | 0.44 |
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 -1.37pp (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 3.97b <= 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 |
| (C) 0.01 = EBIT TTM 6.05b / Avg Total Assets 533.64b |
| (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) 49.66
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 4.69% = 2.34 |
| 3. FCF Margin 13.34% = 3.33 |
| 4. Debt/Equity 1.08 = 1.94 |
| 5. Debt/Ebitda 5.02 = -2.50 |
| 6. ROIC - WACC (= -1.44)% = -1.80 |
| 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?
Over the past week, the price has changed by +1.00%, over one month by -2.38%, over three months by +3.36% and over the past year by +8.77%.
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 42.15 USD . This means that TFC is currently overvalued and has a potential downside of -4.94%.
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 | 50.5 | 13.9% |
| Analysts Target Price | 50.5 | 13.9% |
| ValueRay Target Price | 45.8 | 3.4% |
TFC Fundamental Data Overview October 31, 2025
P/E Trailing = 11.7721
P/E Forward = 10.1626
P/S = 3.0728
P/B = 0.9925
P/EG = 1.9441
Beta = 0.855
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 = 84.69b USD (56.17b + Debt 71.11b - CCE 42.58b)
Interest Coverage Ratio = 0.59 (Ebit TTM 6.05b / Interest Expense TTM 10.29b)
FCF Yield = 4.69% (FCF TTM 3.97b / Enterprise Value 84.69b)
FCF Margin = 13.34% (FCF TTM 3.97b / 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 84.69b / 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 = 8.63 (Net Debt 34.25b / FCF TTM 3.97b)
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 = 5.76% (E(56.17b)/V(127.28b) * Re(9.17%) + D(71.11b)/V(127.28b) * Rd(3.74%) * (1-Tc(0.18)))
Discount Rate = 9.17% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.08%
[DCF Debug] Terminal Value 77.87% ; FCFE base≈6.79b ; Y1≈8.37b ; Y5≈14.28b
Fair Price DCF = 154.3 (DCF Value 197.44b / Shares Outstanding 1.28b; 5y FCF grow 25.0% → 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
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle