TFC Stock Analysis: Truist Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 58.308m USD | 12M Return: 15.8% | US89832Q1094 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 380M
EPS Trend: 88.5%
Qual. Beats: 0
Rev. Trend: 28.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 (NYSE: TFC) is a U.S. financial services company headquartered in Charlotte, North Carolina, that provides banking and trust services primarily across the Southeastern and Mid-Atlantic United States. The company operates through two main segments: Consumer and Small Business Banking, and Wholesale Banking, offering a broad range of deposit products (checking, savings, money market, CDs, IRAs) and lending services including mortgage, home equity, credit card, commercial, and small business lending. It also delivers wealth management, investment banking, capital markets, treasury, insurance premium finance, and merchant services. The company was founded in 1872 and was formerly known as BB&T Corporation before adopting the Truist name in December 2019, following the merger with SunTrust Banks.
As a Regional Bank under the GICS classification, Truist operates a geographically concentrated business model focused on retail and commercial banking within its core footprint, supplemented by wholesale and investment banking capabilities that compete with larger money-center banks. The combined BB&T–SunTrust merger created one of the largest U.S. regional banks by assets, with a dual-segment structure that separates consumer-facing activities from corporate and institutional services.
- Net interest margin compresses as Fed rate cuts pressure loan yields
- Commercial real estate loan losses elevate credit provisions
- Deposit growth in Southeast markets supports loan demand and funding stability
- Wealth management and insurance fees expand on higher AUM and client activity
| Net Income: 5.19b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.32 > 1.0 |
| NWC/Revenue: -28.43% < 20% (prev -1.21k%; Δ 1.18k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 5.80b > Net Income 5.19b |
| Net Debt (61.6b) to EBITDA (6.80b): 9.05 < 3 |
| Current Ratio: 0.34 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.23b) vs 12m ago -6.03% < -2% |
| Gross Margin: 65.26% > 18% (prev 60.08%; Δ 5.18% > 0.5%) |
| Asset Turnover: 5.24% > 50% (prev 5.59%; Δ -0.35% > 0%) |
| Interest Coverage Ratio: 0.64 > 6 (EBIT TTM 5.96b / Interest Expense TTM 9.38b) |
| A: -0.01 (Total Current Assets 4.23b - Total Current Liabilities 12.4b) / Total Assets 554b |
| B: 0.05 (Retained Earnings 27.7b / Total Assets 554b) |
| C: 0.01 (EBIT TTM 5.96b / Avg Total Assets 549b) |
| D: 0.12 (Book Value of Equity 61.5b / Total Liabilities 493b) |
| Altman-Z'' = 0.27 = B |
As of October 24, 2026, the stock is trading at USD 48.44 with a total of 6,657,383 shares traded. Over the past week, the price has changed by +2.91%, over one month by +3.06%, over three months by -4.45% and over the past year by +15.83%.
Current recommended Stop Loss: 47.10 (which is 2.8% or 1.4 ATR below the current price).
Truist Financial has received a consensus analysts rating of 3.36. Therefore, it is recommended to hold TFC.
- StrongBuy: 5
- Buy: 2
- Hold: 12
- Sell: 2
- StrongSell: 1
| Analysts Target Price | 53.4 | 10.2% |
P/E Trailing = 12.2072
P/E Forward = 9.5785
P/S = 3.1903
P/B = 1.0007
P/EG = 1.1007
Revenue TTM = 28.8b USD
EBIT TTM = 5.96b USD
EBITDA TTM = 6.80b USD
Long Term Debt = 42.0b USD (from longTermDebt, last fiscal year)
Short Term Debt = 12.4b USD (from shortTermDebt, last quarter)
Debt = 65.8b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 61.6b USD (calculated: Debt 65.8b - CCE 4.23b)
Enterprise Value = 120b USD (58.3b + Debt 65.8b - CCE 4.23b)
Interest Coverage Ratio = 0.64 (Ebit TTM 5.96b / Interest Expense TTM 9.38b)
EV/FCF = 20.68x (Enterprise Value 120b / FCF TTM 5.80b)
FCF Yield = 4.84% (FCF TTM 5.80b / Enterprise Value 120b)
FCF Margin = 20.13% (FCF TTM 5.80b / Revenue TTM 28.8b)
Net Margin = 18.01% (Net Income TTM 5.19b / Revenue TTM 28.8b)
Gross Margin = 65.26% ((Revenue TTM 28.8b - Cost of Revenue TTM 10.0b) / Revenue TTM)
Gross Margin QoQ = 65.42% (prev 63.99%)
Tobins Q-Ratio = 0.22 (Enterprise Value 120b / Total Assets 554b)
Interest Expense / Debt = 14.26% (Interest Expense 9.38b / Debt 65.8b)
Taxrate = 13.03% (777.0m / 5.96b)
NOPAT = 5.19b (EBIT 5.96b * (1 - 13.03%))
Current Ratio = 0.34 (Total Current Assets 4.23b / Total Current Liabilities 12.4b)
Debt / Equity = 1.07 (Debt 65.8b / totalStockholderEquity, last quarter 61.5b)
Debt / EBITDA = 9.05 (Net Debt 61.6b / EBITDA 6.80b)
Debt / FCF = 10.62 (Net Debt 61.6b / FCF TTM 5.80b)
Total Stockholder Equity = 63.7b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.94% (Net Income 5.19b / Total Assets 554b)
RoE = 8.14% (Net Income TTM 5.19b / Total Stockholder Equity 63.7b)
RoCE = 5.64% (EBIT 5.96b / Capital Employed (Equity 63.7b + L.T.Debt 42.0b))
RoIC = 0.94% (NOPAT 5.19b / Invested Capital 553b)
WACC = 10.66% (E(58.3b)/V(124b) * Re(8.69%) + D(65.8b)/V(124b) * Rd(14.26%) * (1-Tc(0.13)))
Discount Rate = 8.69% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.90 | Cagr: -3.80%
[DCF] Terminal Value 70.88% ; FCFF base≈5.07b ; Y1≈5.81b ; Y5≈8.55b
[DCF] Fair Price = 24.34 (EV 91.3b - Net Debt 61.6b = Equity 29.7b / Shares 1.22b; r=10.66% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 88.54 | EPS CAGR: 9.67% | SUE: -0.20 | # QB: 0
Revenue Correlation: 28.61 | Revenue CAGR: 3.47% | SUE: 0.29 | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.11 | Chg30d=-1.10% | Revisions=+0% | Analysts=11
EPS current Year (2026-12-31): EPS=4.23 | Chg30d=-8.93% | Revisions=-35% | GrowthEPS=+10.8% | GrowthRev=-0.6%
EPS next Year (2027-12-31): EPS=4.95 | Chg30d=-1.03% | Revisions=-6% | GrowthEPS=+16.8% | GrowthRev=+5.4%
[Analyst] Revisions Ratio: -18% (up=14, down=21)