(TFC) Truist Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US89832Q1094
Stock:
Total Rating 42
Risk 36
Buy Signal 0.65
| Risk 5d forecast | |
|---|---|
| Volatility | 30.6% |
| Relative Tail Risk | -6.85% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.61 |
| Alpha | 0.54 |
| Character TTM | |
|---|---|
| Beta | 1.125 |
| Beta Downside | 1.721 |
| Drawdowns 3y | |
|---|---|
| Max DD | 43.32% |
| CAGR/Max DD | 0.23 |
EPS (Earnings per Share)
Revenue
Description: TFC Truist Financial
Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; automobile lending; credit card lending; consumer finance; home equity and mortgage lending; other direct retail lending; home mortgage lending; Investment brokerage services; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; and small business lending. In addition, it offers asset-based lending, commercial deposit and treasury services; commercial lending; floor plan lending; derivatives; institutional trust services; insurance premium finance; international banking; investment banking and capital markets services; leasing; merchant services; mortgage warehouse lending; real estate lending; supply chain financing; and wealth management/private banking. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.
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 0.17 > 1.0 |
| NWC/Revenue: -188.7% < 20% (prev -1481 %; Δ 1292 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 3.16b > 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 3.16b) / TA 547.54b) |
| Beneish M-Score: 11.81 (Cap -4..+1) = D |
What is the price of TFC shares?
As of February 28, 2026, the stock is trading at USD 51.50 with a total of 6,013,444 shares traded.
Over the past week, the price has changed by -0.54%, over one month by +3.65%, over three months by +12.50% and over the past year by +19.05%.
Over the past week, the price has changed by -0.54%, over one month by +3.65%, over three months by +12.50% and over the past year by +19.05%.
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 | 57.1 | 10.9% |
| Analysts Target Price | 57.1 | 10.9% |
TFC Fundamental Data Overview February 27, 2026
P/E Trailing = 13.2382
P/E Forward = 10.1626
P/S = 3.5111
P/B = 0.9925
P/EG = 1.9441
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 = 89.13b USD (64.69b + Debt 69.80b - CCE 45.37b)
Interest Coverage Ratio = 0.63 (Ebit TTM 6.35b / Interest Expense TTM 10.12b)
EV/FCF = 28.23x (Enterprise Value 89.13b / FCF TTM 3.16b)
FCF Yield = 3.54% (FCF TTM 3.16b / Enterprise Value 89.13b)
FCF Margin = 10.37% (FCF TTM 3.16b / 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 = 0.16 (Enterprise Value 89.13b / 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 = 10.59 (Net Debt 33.42b / FCF TTM 3.16b)
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 = 6.39% (E(64.69b)/V(134.49b) * Re(10.06%) + D(69.80b)/V(134.49b) * Rd(3.46%) * (1-Tc(0.13)))
Discount Rate = 10.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.84%
[DCF] Terminal Value 85.46% ; FCFF base≈2.76b ; Y1≈3.08b ; Y5≈4.05b
[DCF] Fair Price = 54.69 (EV 102.47b - Net Debt 33.42b = Equity 69.04b / Shares 1.26b; r=6.39% [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 | Chg7d=+0.000 | Chg30d=-0.035 | Revisions Net=-7 | Analysts=14
EPS current Year (2026-12-31): EPS=4.49 | Chg7d=-0.001 | Chg30d=+0.021 | Revisions Net=+7 | Growth EPS=+11.9% | Growth Revenue=+4.5%
EPS next Year (2027-12-31): EPS=5.13 | Chg7d=+0.013 | Chg30d=+0.048 | Revisions Net=+2 | Growth EPS=+14.2% | Growth Revenue=+4.3%
[Analyst] Revisions Ratio: -0.78 (1 Up / 8 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.5% (Discount Rate 10.1% - Earnings Yield 7.6%)
[Growth] Growth Spread = +2.2% (Analyst 4.7% - Implied 2.5%)
P/E Forward = 10.1626
P/S = 3.5111
P/B = 0.9925
P/EG = 1.9441
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 = 89.13b USD (64.69b + Debt 69.80b - CCE 45.37b)
Interest Coverage Ratio = 0.63 (Ebit TTM 6.35b / Interest Expense TTM 10.12b)
EV/FCF = 28.23x (Enterprise Value 89.13b / FCF TTM 3.16b)
FCF Yield = 3.54% (FCF TTM 3.16b / Enterprise Value 89.13b)
FCF Margin = 10.37% (FCF TTM 3.16b / 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 = 0.16 (Enterprise Value 89.13b / 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 = 10.59 (Net Debt 33.42b / FCF TTM 3.16b)
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 = 6.39% (E(64.69b)/V(134.49b) * Re(10.06%) + D(69.80b)/V(134.49b) * Rd(3.46%) * (1-Tc(0.13)))
Discount Rate = 10.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.84%
[DCF] Terminal Value 85.46% ; FCFF base≈2.76b ; Y1≈3.08b ; Y5≈4.05b
[DCF] Fair Price = 54.69 (EV 102.47b - Net Debt 33.42b = Equity 69.04b / Shares 1.26b; r=6.39% [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 | Chg7d=+0.000 | Chg30d=-0.035 | Revisions Net=-7 | Analysts=14
EPS current Year (2026-12-31): EPS=4.49 | Chg7d=-0.001 | Chg30d=+0.021 | Revisions Net=+7 | Growth EPS=+11.9% | Growth Revenue=+4.5%
EPS next Year (2027-12-31): EPS=5.13 | Chg7d=+0.013 | Chg30d=+0.048 | Revisions Net=+2 | Growth EPS=+14.2% | Growth Revenue=+4.3%
[Analyst] Revisions Ratio: -0.78 (1 Up / 8 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.5% (Discount Rate 10.1% - Earnings Yield 7.6%)
[Growth] Growth Spread = +2.2% (Analyst 4.7% - Implied 2.5%)