TFC Stock Analysis: Truist Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 63.231m USD | 12M Return: 20% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 404M
EPS Trend: 51.4%
Qual. Beats: 2
Rev. Trend: 18.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Truist Financial Corporation (TFC) is a Charlotte, North Carolina-based financial services company that provides banking and trust services across the Southeastern and Mid-Atlantic United States. Founded in 1872 and formerly known as BB&T Corporation before its December 2019 rebrand, the company operates through two reporting segments: Consumer and Small Business Banking, and Wholesale Banking.
Its deposit offerings include noninterest-bearing checking, interest-bearing checking, savings, money market accounts, certificates of deposit, and individual retirement accounts. Beyond core banking, Truist provides a broad suite of services spanning credit card lending, home equity and mortgage lending, asset management, investment brokerage, mobile/online banking, payment solutions, point-of-sale lending, and small business lending. On the wholesale side, it offers commercial lending, asset-based lending, floor plan lending, derivatives, institutional trust services, insurance premium finance, international banking, investment banking and capital markets, leasing, merchant services, mortgage warehouse lending, real estate lending, supply chain financing, and wealth management/private banking.
As a large-cap member of the GICS Regional Banks sub-industry, Truist fits the typical regional banking model of concentrating retail and commercial operations within a defined multi-state footprint, in contrast to money-center or super-regional banks with nationwide or global reach. Its dual-segment structure-pairing a traditional consumer/small business franchise with a capital markets and wholesale platform-reflects a common strategy among larger regional banks seeking to diversify fee-based income against spread-based retail banking.
- Net interest margin compresses on Fed rate cuts
- Commercial real estate exposure pressures credit costs higher
- Merger cost savings accelerate toward expense targets
| Net Income: 5.84b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.30 > 1.0 |
| NWC/Revenue: -1.40k% < 20% (prev -1.19k%; Δ -208.1% < -1%) |
| CFO/TA 0.01 > 3% & CFO 5.67b > Net Income 5.84b |
| Net Debt (65.2b) to EBITDA (7.51b): 8.68 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.24b) vs 12m ago -5.05% < -2% |
| Gross Margin: 64.02% > 18% (prev 59.72%; Δ 4.30% > 0.5%) |
| Asset Turnover: 5.55% > 50% (prev 5.59%; Δ -0.04% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBIT TTM 6.81b / Interest Expense TTM 9.67b) |
| A: -0.77 (Total Current Assets 4.71b - Total Current Liabilities 432b) / Total Assets 556b |
| B: 0.05 (Retained Earnings 27.7b / Total Assets 556b) |
| C: 0.01 (EBIT TTM 6.81b / Avg Total Assets 550b) |
| D: 0.13 (Book Value of Equity 64.1b / Total Liabilities 492b) |
| Altman-Z'' = -4.65 = D |
As of July 27, 2026, the stock is trading at USD 51.76 with a total of 5,033,341 shares traded. Over the past week, the price has changed by -1.41%, over one month by +2.52%, over three months by +2.10% and over the past year by +19.99%.
Current recommended Stop Loss: 49.60 (which is 4.2% or 1.8 ATR below the current price).
Truist Financial has received a consensus analysts rating of 3.74. Therefore, it is recommended to hold TFC.
- StrongBuy: 7
- Buy: 3
- Hold: 13
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 54.9 | 6% |
P/E Trailing = 11.8989
P/E Forward = 11.6686
P/S = 3.3231
P/B = 1.0658
P/EG = 1.2816
Revenue TTM = 30.5b USD
EBIT TTM = 6.81b USD
EBITDA TTM = 7.51b USD
Long Term Debt = 42.0b USD (from longTermDebt, last fiscal year)
Short Term Debt = 26.9b USD (from shortTermDebt, last quarter)
Debt = 69.9b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 65.2b USD (calculated: Debt 69.9b - CCE 4.71b)
Enterprise Value = 128b USD (63.2b + Debt 69.9b - CCE 4.71b)
Interest Coverage Ratio = 0.70 (Ebit TTM 6.81b / Interest Expense TTM 9.67b)
EV/FCF = 22.63x (Enterprise Value 128b / FCF TTM 5.67b)
FCF Yield = 4.42% (FCF TTM 5.67b / Enterprise Value 128b)
FCF Margin = 18.58% (FCF TTM 5.67b / Revenue TTM 30.5b)
Net Margin = 19.13% (Net Income TTM 5.84b / Revenue TTM 30.5b)
Gross Margin = 64.02% ((Revenue TTM 30.5b - Cost of Revenue TTM 11.0b) / Revenue TTM)
Gross Margin QoQ = 63.99% (prev 63.08%)
Tobins Q-Ratio = 0.23 (Enterprise Value 128b / Total Assets 556b)
Interest Expense / Debt = 13.85% (Interest Expense 9.67b / Debt 69.9b)
Taxrate = 14.19% (966.0m / 6.81b)
NOPAT = 5.84b (EBIT 6.81b * (1 - 14.19%))
Current Ratio = 0.01 (Total Current Assets 4.71b / Total Current Liabilities 432b)
Debt / Equity = 1.09 (Debt 69.9b / totalStockholderEquity, last quarter 64.1b)
Debt / EBITDA = 8.68 (Net Debt 65.2b / EBITDA 7.51b)
Debt / FCF = 11.49 (Net Debt 65.2b / FCF TTM 5.67b)
Total Stockholder Equity = 64.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.06% (Net Income 5.84b / Total Assets 556b)
RoE = 9.01% (Net Income TTM 5.84b / Total Stockholder Equity 64.8b)
RoCE = 6.38% (EBIT 6.81b / Capital Employed (Equity 64.8b + L.T.Debt 42.0b))
RoIC = 1.05% (NOPAT 5.84b / Invested Capital 554b)
WACC = 10.78% (E(63.2b)/V(133b) * Re(9.57%) + D(69.9b)/V(133b) * Rd(13.85%) * (1-Tc(0.14)))
Discount Rate = 9.57% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.65 | Cagr: -3.65%
[DCF] Terminal Value 70.52% ; FCFF base≈4.96b ; Y1≈5.69b ; Y5≈8.37b
[DCF] Fair Price = 18.75 (EV 88.1b - Net Debt 65.2b = Equity 22.9b / Shares 1.22b; r=10.78% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 51.44 | EPS CAGR: 4.65% | SUE: 3.88 | # QB: 2
Revenue Correlation: 18.58 | Revenue CAGR: 2.27% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.11 | Chg30d=-1.87% | Revisions=+0% | Analysts=14
EPS current Year (2026-12-31): EPS=4.60 | Chg30d=+1.45% | Revisions=-12% | GrowthEPS=+14.8% | GrowthRev=+3.7%
EPS next Year (2027-12-31): EPS=5.00 | Chg30d=-2.12% | Revisions=-17% | GrowthEPS=+8.7% | GrowthRev=+3.5%
[Analyst] Revisions Ratio: -15% (up=4, down=6)