Overview Dividends

(TFC) Truist Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US89832Q1094

Banking, Lending, Treasury, Wealth, Insurance

Regional Banks
Market Cap in USD: 63,453m

IPO / Inception: 1990-03-26
Return 12m vs S&P 500: 2.78%

EPS (Earnings per Share)

EPS CAGR: -6.79%
EPS Trend: -73.3%

Last SUE: 2.00
Qual. Beats: 1

Revenue

Rev. CAGR: 6.34%
Rev. Trend: 4.2%

Last SUE: 0.70
Qual. Beats: 0

Dividends

Dividend Yield	4.12%
Yield on Cost 5y	5.11%
Yield CAGR 5y	2.83%
Payout Consistency	95.1%
Payout Ratio	55.5%

Risk via 5d forecast
Volatility	22.6%
Value at Risk 5%th	34.9%
Relative Tail Risk	-6.28%

Reward TTM
Sharpe Ratio	0.70
Alpha	2.10
CAGR/Max DD	0.19

Character TTM
Hurst Exponent	0.494
Beta	1.089
Beta Downside	1.383

Drawdowns 3y
Max DD	47.43%
Mean DD	16.87%
Median DD	14.74%

Description: TFC Truist Financial December 03, 2025

Truist Financial Corp (NYSE:TFC) is a regional bank headquartered in Charlotte, NC, serving the Southeast and Mid-Atlantic U.S. through two main segments: Consumer & Small Business Banking and Wholesale Banking. Its product suite spans traditional deposit accounts, a full range of retail and commercial loans, wealth-management services, and investment-banking capabilities.

Key recent metrics: as of Q3 2024, Truist reported a net interest margin of 3.2% and a loan-to-deposit ratio of roughly 81%, reflecting solid balance-sheet utilization. The bank’s total assets grew about 5% year-over-year, driven in part by higher mortgage and commercial real-estate lending amid a still-elevated Federal Funds rate environment. Regional-bank earnings remain sensitive to interest-rate cycles and credit-quality trends in the housing market.

For a deeper dive into Truist’s valuation and risk profile, you may find ValueRay’s analytical dashboards useful.

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 -0.04pp (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 3.70b <= 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

(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) 47.14

1. Piotroski 3.0pt

2. FCF Yield 4.02%

3. FCF Margin 12.43%

4. Debt/Equity 1.08

5. Debt/Ebitda 5.02

6. ROIC - WACC (= -2.18)%

7. RoE 7.84%

8. Rev. Trend 4.18%

9. EPS Trend -73.33%

What is the price of TFC shares?

As of January 06, 2026, the stock is trading at USD 50.48 with a total of 11,054,039 shares traded.
Over the past week, the price has changed by +0.92%, over one month by +6.21%, over three months by +12.65% and over the past year by +20.12%.

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.

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	51.2	1.5%
Analysts Target Price	51.2	1.5%
ValueRay Target Price	56.4	11.7%

TFC Fundamental Data Overview January 03, 2026

Market Cap USD = 63.45b (63.45b USD * 1.0 USD.USD)
P/E Trailing = 13.193
P/E Forward = 10.989
P/S = 3.4712
P/B = 1.0538
P/EG = 1.2071
Beta = 0.882
Revenue TTM = 29.76b USD
EBIT TTM = 6.05b USD
EBITDA TTM = 6.83b USD
Long Term Debt = 41.73b USD (from longTermDebt, last quarter)
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 = 91.98b USD (63.45b + Debt 71.11b - CCE 42.58b)
Interest Coverage Ratio = 0.59 (Ebit TTM 6.05b / Interest Expense TTM 10.29b)
FCF Yield = 4.02% (FCF TTM 3.70b / Enterprise Value 91.98b)
FCF Margin = 12.43% (FCF TTM 3.70b / 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 = 0.17 (Enterprise Value 91.98b / 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 = 9.26 (Net Debt 34.25b / FCF TTM 3.70b)
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 = 5.69% (EBIT 6.05b / Capital Employed (Equity 64.70b + L.T.Debt 41.73b))
RoIC = 4.17% (NOPAT 4.96b / Invested Capital 118.92b)
WACC = 6.35% (E(63.45b)/V(134.56b) * Re(10.03%) + D(71.11b)/V(134.56b) * Rd(3.74%) * (1-Tc(0.18)))
Discount Rate = 10.03% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.08%
[DCF Debug] Terminal Value 72.87% ; FCFE base≈3.73b ; Y1≈4.07b ; Y5≈5.14b
Fair Price DCF = 50.13 (DCF Value 64.13b / Shares Outstanding 1.28b; 5y FCF grow 10.46% → 3.0% )
EPS Correlation: -73.33 | EPS CAGR: -6.79% | SUE: 2.00 | # QB: 1
Revenue Correlation: 4.18 | Revenue CAGR: 6.34% | SUE: 0.70 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.03 | Chg30d=-0.001 | Revisions Net=+2 | Analysts=11
EPS next Year (2026-12-31): EPS=4.46 | Chg30d=+0.007 | Revisions Net=+3 | Growth EPS=+12.8% | Growth Revenue=+4.9%

Additional Sources for TFC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle