(TFC) Truist Financial - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US89832Q1094
Banking, Lending, Treasury, Wealth, Insurance
Dividends
| Dividend Yield | 4.38% |
| Yield on Cost 5y | 5.49% |
| Yield CAGR 5y | 3.68% |
| Payout Consistency | 92.3% |
| Payout Ratio | 55.5% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 27.3% |
| Value at Risk 5%th | 41.5% |
| Relative Tail Risk | -7.54% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.26 |
| Alpha | -8.57 |
| CAGR/Max DD | 0.21 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.536 |
| Beta | 1.101 |
| Beta Downside | 1.415 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.43% |
| Mean DD | 16.91% |
| 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 |
| (C) 0.01 = EBIT TTM 6.05b / Avg Total Assets 533.64b |
| (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) 47.40
| 1. Piotroski 3.0pt |
| 2. FCF Yield 4.24% |
| 3. FCF Margin 12.43% |
| 4. Debt/Equity 1.08 |
| 5. Debt/Ebitda 5.02 |
| 6. ROIC - WACC (= -2.06)% |
| 7. RoE 7.84% |
| 8. Rev. Trend 4.18% |
| 9. EPS Trend -73.33% |
What is the price of TFC shares?
As of December 06, 2025, the stock is trading at USD 47.53 with a total of 5,196,687 shares traded.
Over the past week, the price has changed by +2.22%, over one month by +9.13%, over three months by +3.36% and over the past year by +5.74%.
Over the past week, the price has changed by +2.22%, over one month by +9.13%, over three months by +3.36% and over the past year by +5.74%.
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 | 50.6 | 6.4% |
| Analysts Target Price | 50.6 | 6.4% |
| ValueRay Target Price | 48.8 | 2.7% |
TFC Fundamental Data Overview November 24, 2025
Market Cap USD = 58.64b (58.64b USD * 1.0 USD.USD)
P/E Trailing = 12.193
P/E Forward = 10.1523
P/S = 3.2081
P/B = 0.9739
P/EG = 1.1156
Beta = 0.886
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 = 87.17b USD (58.64b + Debt 71.11b - CCE 42.58b)
Interest Coverage Ratio = 0.59 (Ebit TTM 6.05b / Interest Expense TTM 10.29b)
FCF Yield = 4.24% (FCF TTM 3.70b / Enterprise Value 87.17b)
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 = 0.16 (Enterprise Value 87.17b / 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 = 6.23% (E(58.64b)/V(129.75b) * Re(10.07%) + D(71.11b)/V(129.75b) * Rd(3.74%) * (1-Tc(0.18)))
Discount Rate = 10.07% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.08%
[DCF Debug] Terminal Value 72.75% ; FCFE base≈3.73b ; Y1≈4.07b ; Y5≈5.14b
Fair Price DCF = 49.85 (DCF Value 63.77b / 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=+0.004 | Revisions Net=+4 | Analysts=13
EPS next Year (2026-12-31): EPS=4.45 | Chg30d=+0.002 | Revisions Net=+9 | Growth EPS=+12.6% | Growth Revenue=+4.9%
P/E Trailing = 12.193
P/E Forward = 10.1523
P/S = 3.2081
P/B = 0.9739
P/EG = 1.1156
Beta = 0.886
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 = 87.17b USD (58.64b + Debt 71.11b - CCE 42.58b)
Interest Coverage Ratio = 0.59 (Ebit TTM 6.05b / Interest Expense TTM 10.29b)
FCF Yield = 4.24% (FCF TTM 3.70b / Enterprise Value 87.17b)
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 = 0.16 (Enterprise Value 87.17b / 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 = 6.23% (E(58.64b)/V(129.75b) * Re(10.07%) + D(71.11b)/V(129.75b) * Rd(3.74%) * (1-Tc(0.18)))
Discount Rate = 10.07% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.08%
[DCF Debug] Terminal Value 72.75% ; FCFE base≈3.73b ; Y1≈4.07b ; Y5≈5.14b
Fair Price DCF = 49.85 (DCF Value 63.77b / 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=+0.004 | Revisions Net=+4 | Analysts=13
EPS next Year (2026-12-31): EPS=4.45 | Chg30d=+0.002 | Revisions Net=+9 | Growth EPS=+12.6% | Growth Revenue=+4.9%
Additional Sources for TFC Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle