(TFC) Truist Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US89832Q1094
Stock: Deposits, Loans, Cards, Trusts, Wealth
Total Rating 31
Risk 21
Buy Signal -0.65
| Risk 5d forecast | |
|---|---|
| Volatility | 32.4% |
| Relative Tail Risk | -6.51% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.64 |
| Alpha | -6.80 |
| Character TTM | |
|---|---|
| Beta | 1.181 |
| Beta Downside | 1.383 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.93% |
| CAGR/Max DD | 0.70 |
EPS (Earnings per Share)
Revenue
Description: TFC Truist Financial February 28, 2026
Truist Financial Corp (NYSE: TFC) operates as a diversified regional bank serving the Southeast and Mid-Atlantic U.S. through two primary segments: Consumer & Small Business Banking and Wholesale Banking. Its product suite spans checking and savings accounts, CDs, IRAs, mortgage and auto loans, credit cards, wealth-management services, commercial lending, treasury solutions, and investment-banking capabilities.
In its most recent quarter (Q4 2025), Truist reported a net interest margin of 3.45%, a loan portfolio that grew 5% year-over-year to $330 billion, and deposits reaching $511 billion, up 3% from the prior year. The bank’s efficiency ratio improved to 58.2%, while return on equity climbed to 12.1%, reflecting solid profitability amid a higher-for-longer interest-rate environment.
Regional banks like Truist are currently driven by the Federal Reserve’s policy rate, which has held steady around 5.25%, supporting net interest income but also pressuring credit quality as consumer debt service costs rise. Additionally, the ongoing shift toward digital banking is accelerating fee-based revenue streams, while modest economic growth in the Southeast underpins loan demand. For a deeper dive into Truist’s valuation and competitive positioning, you might explore the analysis on ValueRay.
Headlines to watch out for
- Net interest income growth hinges on Federal Reserve rate policy
- Loan demand in Southeast and Mid-Atlantic drives revenue
- Regulatory capital requirements impact lending capacity
- Economic downturns increase loan loss provisions
- Investment banking fees fluctuate with market activity
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 0.65 > 1.0 |
| NWC/Revenue: -188.7% < 20% (prev -1.48k%; Δ 1.29k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 5.80b > 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 6.17k% > 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 5.80b) / TA 547.54b) |
| Beneish M-Score: 11.81 (Cap -4..+1) = D |
What is the price of TFC shares?
As of March 14, 2026, the stock is trading at USD 45.65 with a total of 11,811,065 shares traded.
Over the past week, the price has changed by -8.48%, over one month by -13.93%, over three months by -10.17% and over the past year by +16.73%.
Over the past week, the price has changed by -8.48%, over one month by -13.93%, over three months by -10.17% and over the past year by +16.73%.
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.
- 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 | 57 | 24.9% |
| Analysts Target Price | 57 | 24.9% |
TFC Fundamental Data Overview March 10, 2026
P/E Trailing = 12.1702
P/E Forward = 10.3734
P/S = 3.1519
P/B = 0.9635
P/EG = 1.1792
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 = 82.51b USD (58.07b + Debt 69.80b - CCE 45.37b)
Interest Coverage Ratio = 0.63 (Ebit TTM 6.35b / Interest Expense TTM 10.12b)
EV/FCF = 14.23x (Enterprise Value 82.51b / FCF TTM 5.80b)
FCF Yield = 7.03% (FCF TTM 5.80b / Enterprise Value 82.51b)
FCF Margin = 19.05% (FCF TTM 5.80b / 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 = 0.15 (Enterprise Value 82.51b / 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 = 5.76 (Net Debt 33.42b / FCF TTM 5.80b)
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 = 4.49% (NOPAT 5.50b / Invested Capital 122.48b)
WACC = 6.30% (E(58.07b)/V(127.88b) * Re(10.27%) + D(69.80b)/V(127.88b) * Rd(3.46%) * (1-Tc(0.13)))
Discount Rate = 10.27% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.84%
[DCF] Terminal Value 85.82% ; FCFF base≈4.34b ; Y1≈4.84b ; Y5≈6.38b
[DCF] Fair Price = 106.0 (EV 165.82b - Net Debt 33.42b = Equity 132.40b / Shares 1.25b; r=6.30% [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 (2026-06-30): EPS=1.11 | Chg7d=-0.003 | Chg30d=-0.002 | Revisions Net=+4 | Analysts=15
EPS current Year (2026-12-31): EPS=4.48 | Chg7d=-0.012 | Chg30d=+0.008 | Revisions Net=+7 | Growth EPS=+11.6% | Growth Revenue=+4.5%
EPS next Year (2027-12-31): EPS=5.11 | Chg7d=-0.013 | Chg30d=+0.034 | Revisions Net=+2 | Growth EPS=+14.2% | Growth Revenue=+4.3%
[Analyst] Revisions Ratio: +0.50 (6 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.1% (Discount Rate 10.3% - Earnings Yield 8.2%)
[Growth] Growth Spread = +3.2% (Analyst 5.3% - Implied 2.1%)
P/E Forward = 10.3734
P/S = 3.1519
P/B = 0.9635
P/EG = 1.1792
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 = 82.51b USD (58.07b + Debt 69.80b - CCE 45.37b)
Interest Coverage Ratio = 0.63 (Ebit TTM 6.35b / Interest Expense TTM 10.12b)
EV/FCF = 14.23x (Enterprise Value 82.51b / FCF TTM 5.80b)
FCF Yield = 7.03% (FCF TTM 5.80b / Enterprise Value 82.51b)
FCF Margin = 19.05% (FCF TTM 5.80b / 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 = 0.15 (Enterprise Value 82.51b / 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 = 5.76 (Net Debt 33.42b / FCF TTM 5.80b)
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 = 4.49% (NOPAT 5.50b / Invested Capital 122.48b)
WACC = 6.30% (E(58.07b)/V(127.88b) * Re(10.27%) + D(69.80b)/V(127.88b) * Rd(3.46%) * (1-Tc(0.13)))
Discount Rate = 10.27% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.84%
[DCF] Terminal Value 85.82% ; FCFF base≈4.34b ; Y1≈4.84b ; Y5≈6.38b
[DCF] Fair Price = 106.0 (EV 165.82b - Net Debt 33.42b = Equity 132.40b / Shares 1.25b; r=6.30% [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 (2026-06-30): EPS=1.11 | Chg7d=-0.003 | Chg30d=-0.002 | Revisions Net=+4 | Analysts=15
EPS current Year (2026-12-31): EPS=4.48 | Chg7d=-0.012 | Chg30d=+0.008 | Revisions Net=+7 | Growth EPS=+11.6% | Growth Revenue=+4.5%
EPS next Year (2027-12-31): EPS=5.11 | Chg7d=-0.013 | Chg30d=+0.034 | Revisions Net=+2 | Growth EPS=+14.2% | Growth Revenue=+4.3%
[Analyst] Revisions Ratio: +0.50 (6 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.1% (Discount Rate 10.3% - Earnings Yield 8.2%)
[Growth] Growth Spread = +3.2% (Analyst 5.3% - Implied 2.1%)