(TFC) Truist Financial - Ratings and Ratios

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

Banking, Lending, Treasury, Wealth, Insurance

Stock: Regional Banks
Age 35.8y

MCap 64,833m
Avg Vol 7.31M (367M USD)

Beta 1.079
Volatility 22.95%

EPS (Earnings per Share)

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

Last SUE: 2.00
Qual. Beats: 1

Revenue

Rev. CAGR: 8.90%
Rev. Trend: 5.9%

Last SUE: 0.93
Qual. Beats: 5

Dividends

Dividend Yield	4.81%
Yield on Cost 5y	5.15%
Yield CAGR 5y	2.83%
Payout Consistency	95.1%
Payout Ratio	55.5%

Risk via 5d forecast
Volatility	23.0%
Value at Risk 5%th	35.3%
Relative Tail Risk	-6.63%

Reward TTM
Sharpe Ratio	0.54
Alpha	-3.58
CAGR/Max DD	0.14

Character TTM
Hurst Exponent	0.552
Beta	1.079
Beta Downside	1.358

Drawdowns 3y
Max DD	47.43%
Mean DD	16.89%
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 (5.23b TTM) > 0 and > 6% of Revenue (6% = 1.83b TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.00pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1209 % (prev -1394 %; Δ 185.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 3.93b <= Net Income 5.23b (YES >=105%, WARN >=100%)

Net Debt (34.25b) to EBITDA (7.21b) ratio: 4.75 <= 3.0 (WARN <= 3.5)

Current Ratio 0.13 (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 60.08% (prev 47.73%; Δ 12.35pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.70% (prev 4.78%; Δ 0.92pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.62 (EBITDA TTM 7.21b / Interest Expense TTM 10.29b) >= 6 (WARN >= 3)

Altman Z'' -4.15

(A) -0.68 = (Total Current Assets 56.34b - 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: -4.15 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 47.84

1. Piotroski 3.0pt

2. FCF Yield 4.16%

3. FCF Margin 12.92%

4. Debt/Equity 1.08

5. Debt/Ebitda 4.75

6. ROIC - WACC (= -1.89)%

7. RoE 8.08%

8. Rev. Trend 5.93%

9. EPS Trend -73.33%

What is the price of TFC shares?

As of January 20, 2026, the stock is trading at USD 49.99 with a total of 8,259,129 shares traded.
Over the past week, the price has changed by -0.30%, over one month by -0.18%, over three months by +16.39% and over the past year by +9.54%.

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	55.1	10.2%
Analysts Target Price	55.1	10.2%
ValueRay Target Price	56.1	12.2%

TFC Fundamental Data Overview January 17, 2026

P/E Trailing = 13.4799
P/E Forward = 11.1235
P/S = 3.5467
P/B = 1.0671
P/EG = 1.2223
Revenue TTM = 30.43b USD
EBIT TTM = 6.34b USD
EBITDA TTM = 7.21b 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 = 94.59b USD (64.83b + Debt 71.11b - CCE 41.35b)
Interest Coverage Ratio = 0.62 (Ebit TTM 6.34b / Interest Expense TTM 10.29b)
EV/FCF = 24.06x (Enterprise Value 94.59b / FCF TTM 3.93b)
FCF Yield = 4.16% (FCF TTM 3.93b / Enterprise Value 94.59b)
FCF Margin = 12.92% (FCF TTM 3.93b / Revenue TTM 30.43b)
Net Margin = 17.19% (Net Income TTM 5.23b / Revenue TTM 30.43b)
Gross Margin = 60.08% ((Revenue TTM 30.43b - Cost of Revenue TTM 12.15b) / Revenue TTM)
Gross Margin QoQ = 60.57% (prev 59.56%)
Tobins Q-Ratio = 0.17 (Enterprise Value 94.59b / Total Assets 543.85b)
Interest Expense / Debt = 3.74% (Interest Expense 2.66b / Debt 71.11b)
Taxrate = 16.41% (285.0m / 1.74b)
NOPAT = 5.30b (EBIT 6.34b * (1 - 16.41%))
Current Ratio = 0.13 (Total Current Assets 56.34b / Total Current Liabilities 424.28b)
Debt / Equity = 1.08 (Debt 71.11b / totalStockholderEquity, last quarter 65.65b)
Debt / EBITDA = 4.75 (Net Debt 34.25b / EBITDA 7.21b)
Debt / FCF = 8.71 (Net Debt 34.25b / FCF TTM 3.93b)
Total Stockholder Equity = 64.70b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.98% (Net Income 5.23b / Total Assets 543.85b)
RoE = 8.08% (Net Income TTM 5.23b / Total Stockholder Equity 64.70b)
RoCE = 5.96% (EBIT 6.34b / Capital Employed (Equity 64.70b + L.T.Debt 41.73b))
RoIC = 4.46% (NOPAT 5.30b / Invested Capital 118.92b)
WACC = 6.35% (E(64.83b)/V(135.94b) * Re(9.89%) + D(71.11b)/V(135.94b) * Rd(3.74%) * (1-Tc(0.16)))
Discount Rate = 9.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.08%
[DCF Debug] Terminal Value 85.62% ; FCFF base≈3.87b ; Y1≈4.31b ; Y5≈5.67b
Fair Price DCF = 86.79 (EV 145.27b - Net Debt 34.25b = Equity 111.02b / Shares 1.28b; r=6.35% [WACC]; 5y FCF grow 13.32% → 2.90% )
EPS Correlation: -73.33 | EPS CAGR: -6.79% | SUE: 2.00 | # QB: 1
Revenue Correlation: 5.93 | Revenue CAGR: 8.90% | SUE: 0.93 | # QB: 5
EPS next Quarter (2026-03-31): EPS=1.04 | Chg30d=+0.005 | Revisions Net=+0 | Analysts=12
EPS next Year (2026-12-31): EPS=4.45 | Chg30d=+0.005 | Revisions Net=+7 | Growth EPS=+12.5% | Growth Revenue=+4.6%

Additional Sources for TFC Stock

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