(TFC) Truist Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 59.765m USD | Total Return: 19.2% in 12m
Banking, Loans, Mortgages, Wealth Management, Insurance Finance
Total Rating 37
Safety 45
Buy Signal -0.19
Banks - Regional
Industry Rotation: -9.8
Industry Rotation: -9.8
Market Cap:
59.8B
Avg Turnover: 355M
Avg Turnover: 355M
Risk 3d forecast
Volatility27.8%
VaR 5th Pctl4.79%
VaR vs Median4.53%
Reward TTM
Sharpe Ratio0.70
Rel. Str. IBD43
Rel. Str. Peer Group26.8
Character TTM
Beta1.077
Beta Downside1.185
Hurst Exponent0.649
Drawdowns 3y
Max DD26.93%
CAGR/Max DD0.85
CAGR/Mean DD3.25
EPS (Earnings per Share)
EPS CAGR: -2.53%
EPS Trend: -32.6%
EPS Trend: -32.6%
Last SUE: 1.67
Qual. Beats: 1
Qual. Beats: 1
Revenue
Rev. CAGR: 7.47%
Rev. Trend: 8.0%
Rev. Trend: 8.0%
Last SUE: 0.60
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: TFC Truist Financial
Truist Financial Corporation (NYSE: TFC) is a major regional financial services institution formed by the 2019 merger of BB&T and SunTrust. Headquartered in Charlotte, North Carolina, the firm operates primarily through two segments: Consumer and Small Business Banking and Wholesale Banking. Its service suite encompasses traditional retail deposits, mortgage lending, investment banking, and insurance premium finance across the Southeastern and Mid-Atlantic regions.
As a prominent player in the Regional Banks sub-industry, Truist utilizes a diversified revenue model that balances interest income from loans with non-interest income from wealth management and capital markets. Regional banks like Truist often face high sensitivity to net interest margin fluctuations dictated by Federal Reserve monetary policy. Investors can further examine these fundamental drivers by reviewing the detailed metrics available on ValueRay.
The companys operational history dates back to 1872, maintaining a significant physical and digital footprint to serve diverse client tiers. Its business model relies on integrated delivery of commercial and retail products, including specialized services such as asset-based lending and supply chain financing.
- Net interest margin fluctuations driven by Federal Reserve monetary policy shifts
- Operational efficiency gains from post-merger technology integration and branch consolidation
- Commercial loan growth tied to Southeastern United States economic performance
- Capital levels and buyback capacity following the sale of insurance brokerage unit
- Non-interest income stability from investment banking and wealth management fees
Piotroski VR‑10 (Strict)
3.0
| Net Income: 5.53b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.31 > 1.0 |
| NWC/Revenue: -75.98% < 20% (prev -1.53k%; Δ 1.45k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 5.67b > Net Income 5.53b |
| Net Debt (64.77b) to EBITDA (6.99b): 9.27 < 3 |
| Current Ratio: 0.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.27b) vs 12m ago -4.36% < -2% |
| Gross Margin: 62.92% > 18% (prev 0.48%; Δ 6.24k% > 0.5%) |
| Asset Turnover: 5.62% > 50% (prev 4.48%; Δ 1.14% > 0%) |
| Interest Coverage Ratio: 0.49 > 6 (EBITDA TTM 6.99b / Interest Expense TTM 9.89b) |
Altman Z''
0.00
| A: -0.04 (Total Current Assets 4.29b - Total Current Liabilities 27.44b) / Total Assets 548.98b |
| B: 0.05 (Retained Earnings 26.80b / Total Assets 548.98b) |
| C: 0.01 (EBIT TTM 4.81b / Avg Total Assets 542.44b) |
| D: 0.06 (Book Value of Equity 26.69b / Total Liabilities 484.76b) |
| Altman-Z'' Score: -0.00 = B |
Beneish M
-3.70
| DSRI: 0.12 (Receivables 2.12b/13.79b, Revenue 30.47b/24.00b) |
| GMI: 0.76 (GM 62.92% / 48.04%) |
| AQI: 1.13 (AQ_t 0.99 / AQ_t-1 0.87) |
| SGI: 1.27 (Revenue 30.47b / 24.00b) |
| TATA: -0.00 (NI 5.53b - CFO 5.67b) / TA 548.98b) |
| Beneish M-Score: -3.70 (Cap -4..+1) = AAA |
What is the price of TFC shares?
As of May 16, 2026, the stock is trading at USD 46.96 with a total of 6,502,413 shares traded.
Over the past week, the price has changed by -4.38%, over one month by -4.30%, over three months by -9.09% and over the past year by +19.20%.
Over the past week, the price has changed by -4.38%, over one month by -4.30%, over three months by -9.09% and over the past year by +19.20%.
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?
| Analysts Target Price | 55.7 | 18.6% |
Truist Financial (TFC) - Fundamental Data Overview
as of 13 May 2026
P/E Trailing = 11.8738 P/E Forward = 10.917
P/S = 3.2033
P/B = 1.0318
P/EG = 1.161
Revenue TTM = 30.47b USD
EBIT TTM = 4.81b USD
EBITDA TTM = 6.99b USD
Long Term Debt = 41.62b USD (from longTermDebt, last quarter)
Short Term Debt = 27.44b USD (from shortTermDebt, last quarter)
Debt = 69.06b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 64.77b USD (from netDebt column, last quarter)
Enterprise Value = 124.53b USD (59.76b + Debt 69.06b - CCE 4.29b)
Interest Coverage Ratio = 0.49 (Ebit TTM 4.81b / Interest Expense TTM 9.89b)
EV/FCF = 21.96x (Enterprise Value 124.53b / FCF TTM 5.67b)
FCF Yield = 4.55% (FCF TTM 5.67b / Enterprise Value 124.53b)
FCF Margin = 18.62% (FCF TTM 5.67b / Revenue TTM 30.47b)
Net Margin = 18.14% (Net Income TTM 5.53b / Revenue TTM 30.47b)
Gross Margin = 62.92% ((Revenue TTM 30.47b - Cost of Revenue TTM 11.30b) / Revenue TTM)
Gross Margin QoQ = 63.08% (prev 68.49%)
Tobins Q-Ratio = 0.23 (Enterprise Value 124.53b / Total Assets 548.98b)
Interest Expense / Debt = 3.27% (Interest Expense 2.26b / Debt 69.06b)
Taxrate = 12.37% (209.0m / 1.69b)
NOPAT = 4.22b (EBIT 4.81b * (1 - 12.37%))
Current Ratio = 0.16 (Total Current Assets 4.29b / Total Current Liabilities 27.44b)
Debt / Equity = 1.08 (Debt 69.06b / totalStockholderEquity, last quarter 64.21b)
Debt / EBITDA = 9.27 (Net Debt 64.77b / EBITDA 6.99b)
Debt / FCF = 11.42 (Net Debt 64.77b / FCF TTM 5.67b)
Total Stockholder Equity = 64.97b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.02% (Net Income 5.53b / Total Assets 548.98b)
RoE = 8.51% (Net Income TTM 5.53b / Total Stockholder Equity 64.97b)
RoCE = 4.52% (EBIT 4.81b / Capital Employed (Equity 64.97b + L.T.Debt 41.62b))
RoIC = 3.35% (NOPAT 4.22b / Invested Capital 125.94b)
WACC = 6.07% (E(59.76b)/V(128.83b) * Re(9.77%) + D(69.06b)/V(128.83b) * Rd(3.27%) * (1-Tc(0.12)))
Discount Rate = 9.77% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.55%
[DCF] Terminal Value 87.09% ; FCFF base≈4.96b ; Y1≈5.54b ; Y5≈7.30b
[DCF] Fair Price = 116.4 (EV 209.81b - Net Debt 64.77b = Equity 145.04b / Shares 1.25b; r=6.07% [WACC]; 5y FCF grow 13.32% → 3.0% )
EPS Correlation: -32.65 | EPS CAGR: -2.53% | SUE: 1.67 | # QB: 1
Revenue Correlation: 7.97 | Revenue CAGR: 7.47% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.08 | Chg30d=-2.93% | Revisions=-53% | Analysts=14
EPS next Quarter (2026-09-30): EPS=1.14 | Chg30d=-0.52% | Revisions=+11% | Analysts=14
EPS current Year (2026-12-31): EPS=4.55 | Chg30d=+1.41% | Revisions=+70% | GrowthEPS=+13.4% | GrowthRev=+3.8%
EPS next Year (2027-12-31): EPS=5.13 | Chg30d=+0.03% | Revisions=+26% | GrowthEPS=+12.8% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +70%